Fixed Deposit Rates In Malaysia V. No.11, Strictly for FD Discussion Only
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 Feb 17 2016, 01:30 PM
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Junior Member
636 posts Joined: Jul 2012 
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QUOTE(cybpsych @ Feb 17 2016, 07:04 AM) in M2U lor, when u place eFD. great, just noticed the monthly interest credit to my current account (PMA).monthly profit payment frequency is the only option available anyway    |
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Feb 17 2016, 10:42 PM
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Senior Member
1,590 posts Joined: Nov 2006 
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QUOTE(cherroy @ Feb 17 2016, 09:13 AM) Depend on cashflow situation. But FD may not a good option. Money market fund or some current account that have interest is better option, whereby you can access the money at any time (for current account), or just 2/3 business day with money market fund. OD rate is way higher than FD rate. QUOTE(Bonescythe @ Feb 17 2016, 10:26 AM) Since your situation is capital want to use for business rolling, yet you want to have some interest while capital not employed thanks for all the adviceIf your capital is larger than 50k Then you can go to bank and open a swift acc. Daily interest crediting on your capital (i think is 2% pa, minimum 50k onward, and top up in 10k in stages) Meaning, 50k, 60k 70k 80k.. if you put 65k, it is counted as 60k x2% p.a. interest. The bank i mention is HLB. Need assistance can inform me, but i dun benefit from anything, just helping out only. Sorry for OT since not FD. Just proposing based on your needs |
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Feb 18 2016, 12:29 AM
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Junior Member
68 posts Joined: Feb 2016
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Went to Affin today but staff said 4.5% promo rate has reached its quota
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Feb 18 2016, 08:44 AM
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Junior Member
229 posts Joined: Aug 2010 From: Selangor 
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QUOTE(cocopuffs @ Feb 18 2016, 12:29 AM) Went to Affin today but staff said 4.5% promo rate has reached its quota wow so fast. I went to HLIB instead. 6 mths 4.5% |
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Feb 18 2016, 08:51 AM
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Senior Member
895 posts Joined: Dec 2013
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QUOTE(cocopuffs @ Feb 18 2016, 12:29 AM) Went to Affin today but staff said 4.5% promo rate has reached its quota not first time affin reach quota within short time. their quota on the low side in the past. |
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Feb 18 2016, 09:46 AM
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Senior Member
10,001 posts Joined: May 2013
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QUOTE(cocopuffs @ Feb 18 2016, 12:29 AM) Went to Affin today but staff said 4.5% promo rate has reached its quota Did they intro any new promo? |
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Feb 18 2016, 10:56 AM
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Senior Member
1,770 posts Joined: Dec 2010 From: ~Where White Knights in Shining Armour Unite~
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Okay, seems like HLB 4.5% for 6 months is best for now.
Gotta go!! |
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Feb 18 2016, 02:19 PM
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Senior Member
4,342 posts Joined: Apr 2010 From: The place that i call home :p 
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QUOTE(GloryKnight @ Feb 18 2016, 10:56 AM) Okay, seems like HLB 4.5% for 6 months is best for now. someone post about HLB quota full already..... i also interested if not full.... Gotta go!!  |
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Feb 18 2016, 02:32 PM
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All Stars
24,333 posts Joined: Feb 2011
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QUOTE(cwhong @ Feb 18 2016, 02:19 PM) someone post about HLB quota full already..... i also interested if not full.... I think normal is full but not the Islamic one. If you are OK with an Islamic FD. |
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Feb 18 2016, 03:09 PM
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Senior Member
895 posts Joined: Dec 2013
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QUOTE(cwhong @ Feb 18 2016, 02:19 PM) someone post about HLB quota full already..... i also interested if not full.... the one full is affin.  hl one is islamic fd. |
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Feb 18 2016, 04:42 PM
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Junior Member
83 posts Joined: Dec 2008
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just ask for Affin 4% 12month
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Feb 18 2016, 04:55 PM
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Senior Member
895 posts Joined: Dec 2013
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QUOTE(liamlain @ Feb 18 2016, 04:42 PM) just ask for Affin 4% 12month u mean u placed fd at 4% 12 mth with affin?  so affin 12 mth promo is 4% now |
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Feb 18 2016, 05:59 PM
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Junior Member
83 posts Joined: Dec 2008
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QUOTE(yygo @ Feb 18 2016, 04:55 PM) u mean u placed fd at 4% 12 mth with affin? branch manager offer 4% for me so affin 12 mth promo is 4% now |
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Feb 18 2016, 06:06 PM
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Senior Member
895 posts Joined: Dec 2013
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QUOTE(liamlain @ Feb 18 2016, 05:59 PM) branch manager offer 4% for me oic. their board rate 3.7% 12 mth. so big amt? |
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Feb 18 2016, 06:33 PM
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Junior Member
283 posts Joined: Aug 2008 From: Malacca
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QUOTE(GloryKnight @ Feb 18 2016, 10:56 AM) Okay, seems like HLB 4.5% for 6 months is best for now. How about BSN 4.75% for 5 years? Will FD rate going to go any higher in this 5 years?Gotta go!! |
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Feb 18 2016, 07:38 PM
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Newbie
35 posts Joined: May 2011
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Hi, i'm new in this FD thread. I want to ask what is the best offer now for 1 month FD? just wanna park my funds there cause next month only need use, size approx 20K, can put more a bit to fit promo geh. Thanks in advance
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Feb 18 2016, 08:18 PM
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Senior Member
895 posts Joined: Dec 2013
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QUOTE(IamNOT @ Feb 18 2016, 06:33 PM) How about BSN 4.75% for 5 years? Will FD rate going to go any higher in this 5 years? no one can tell for the 5 years. even 1 year oso cannot be sure. |
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Feb 18 2016, 09:47 PM
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Senior Member
3,902 posts Joined: Jul 2007
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QUOTE(kaemon @ Feb 18 2016, 07:38 PM) Hi, i'm new in this FD thread. I want to ask what is the best offer now for 1 month FD? just wanna park my funds there cause next month only need use, size approx 20K, can put more a bit to fit promo geh. Thanks in advance CIMB i got 3.7% for either 1 mth or 2 mths.got people reported not all branches have it, personally i know pandah indah n menara hap seng got. |
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Feb 18 2016, 10:54 PM
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Junior Member
47 posts Joined: Dec 2013 From: Kuala Lumpur
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To which account the GIA e-FD interest will be paid to monthly? The saving account or the FD account itself?
Means we transfer a sum from the savings to GIA e-FD & no need walk in to the bank to personally do it? Thanks |
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Feb 18 2016, 11:25 PM
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Senior Member
3,902 posts Joined: Jul 2007
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QUOTE(~HL~ @ Feb 18 2016, 11:04 PM) Dear sifu-sifu, can help us to ask ur uncle?My uncle was boasting about this where his company sometimes allocate 1.5M - 3M to a very VERY short term kind of FD , like one day to three days ONLY from UOB Bank that earns him 5% interest rates. Which, he said it's better than putting those money in savings account. May I know what kind of funds/FD is that from UOB? that's higher than most, if not, everyone in here is getting for much longer tenure. |
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