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 Fixed Deposit Rates In Malaysia V. No.11, Strictly for FD Discussion Only

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babysiew
post Feb 1 2016, 10:14 AM

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Hi guys, best rate right now would be OCBC? Appreciate advice. Thanks

OCBC Bank Fixed Deposit Deals. Minimum Fresh Fund RM10K. Valid until 30 April 2016 - Contributed by cybpsych

T&C Fixed Deposit Deals | T&C Fixed Deposit-i Deals

9 months - 4.15%p.a.
15 months - 4.30%p.a.
babysiew
post Feb 1 2016, 10:15 AM

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I miss the PBB promo sad.gif
babysiew
post Feb 1 2016, 10:36 AM

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sorry to say i dont really have much confidence in affin or bsn or rhb... sorry if i offended anyone, just personal preference... biggrin.gif
babysiew
post Feb 1 2016, 10:40 AM

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PIDM protection is given by a GOVERNMENT body right? biggrin.gif
babysiew
post Feb 1 2016, 10:51 AM

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QUOTE(bbgoat @ Feb 1 2016, 10:51 AM)
yes I know tat. I am just trying to be sarcastic biggrin.gif
babysiew
post Feb 1 2016, 11:24 AM

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ya for PBB, i open an account with rm250 deposit...

what abt ocbc ya? i dont have ocbc acct but interested to put fd there

babysiew
post Feb 1 2016, 12:24 PM

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QUOTE(cybpsych @ Feb 1 2016, 12:09 PM)
ocbc's initial deposit RM200, min holding balance RM20
*
same with PBB also. withholding rm20. most prob will go ocbc. another stupid question, just to confirm the calculation, 15 mths 4.3% means placement RMxx,xxx x 4.3% = interest per annum, so divided by 12 then x 15 to get the interest earned? thx
babysiew
post Feb 1 2016, 01:43 PM

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Yup correct. Thx!
babysiew
post Feb 1 2016, 02:34 PM

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just checked OCBC. Min RM70k, not RM10k as mentioned here

http://www.ocbc.com.my/personal-banking/ac...mpaigncode=NYNY

rechecked the T&C. Min RM10k. RM70k is to get the trolley bag biggrin.gif

This post has been edited by babysiew: Feb 1 2016, 02:36 PM
babysiew
post Feb 2 2016, 11:37 AM

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aiyah just move on la... dont cyber bully... happy cny and happy keeping more money into FD. HUAT ah!
babysiew
post Feb 2 2016, 11:45 AM

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FD a bit hard to huat ah but still better than nothing! HUAT ah! biggrin.gif
babysiew
post Feb 2 2016, 01:46 PM

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hlb has good offer? i go after cny to ocbc. right now too near cny and banks will be so crowded!
babysiew
post Feb 2 2016, 02:28 PM

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good offers ended 31/1/2016 or 31/12/2015. Sad
babysiew
post Feb 2 2016, 04:00 PM

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QUOTE(LNYC @ Feb 2 2016, 03:52 PM)
i called to hong leong last friday. the 6months 4.5% fd promo extended till 5th feb. min fresh fund 10k
*
wow this is better than ocbc 4.3% for 15 mths right?
babysiew
post Feb 2 2016, 04:14 PM

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like that ocbc better haha... i very lazy to make a new fd for a short period

my pbb just died and the rate is not nice now
babysiew
post Feb 3 2016, 08:59 AM

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thats why i dont dare to put in bsn. lousy service. government protected means not protected la. and 5 yrs is too long for me lol
babysiew
post Feb 3 2016, 10:53 AM

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QUOTE(BoomChaCha @ Feb 3 2016, 10:50 AM)
Just called to Affin Bank to confirm this FD promo:

4.5% for 12 months
minimum placement RM 10K
Interest will pay upon FD maturity
Valid until 29 Feb 2016

  thumbup.gif
*
is affin bank ok so far ah?
babysiew
post Feb 3 2016, 10:57 AM

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QUOTE(BoomChaCha @ Feb 3 2016, 10:55 AM)
Yes, so far okay..  thumbup.gif
*
then affin rate is the best so far...
babysiew
post Feb 3 2016, 11:03 AM

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QUOTE(cybpsych @ Feb 3 2016, 11:00 AM)
Affin is stable. i've got a 2yr FD with them, and family put some eggs there too.

traditionally, Affin doesnt compete direct, but once a while they do offer attractive rate that's a notch above others (e.g. now). good strategy, imo.
*
great. first time with affin. always with pbb but the rate drops so much. so looking for new options and bumped into this thread. lifesaver! biggrin.gif
babysiew
post Feb 3 2016, 12:02 PM

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I also curious haha tongue.gif

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