For CIMB, placed FD with Jalan P. Ramlee branch last week, ~50k.

managed to nego 4% for 3 mths.
not display anywhere, didn't ask the min to qualify for this.

its technically an investment fund. so its not protected by PIDM like FD. Its more like a very high interest SA now

This post has been edited by WhitE LighteR: Apr 15 2016, 02:34 PM

read up about GIA (General Investment Account), Islamic Banking, PIDM, etc.

Nom-el explained this nicely before (quoted above), and i keeps quoting his from time to time

note: I paragraphed his original sentence for reading clarity

hlb 3m 4.2% pa ended?

This post has been edited by nbi: Apr 15 2016, 03:32 PM

https://www.hlb.com.my/main/promotion/20160...otion-extension

Wow, today u guys active talking more on MBB's GIA-i.

I was in BR to renew my FD to 1 yr 4.28%. The gifts promised have not been received by the Penang branch yet. So yygo and sandkoh has to be patient until next week. You guys asking to see the gifts.

Found out more info on BR's FD. If FD is matured, we have up to 2 weeks to renew it to new promo rate, instead of auto renew to board rate (provided the promo rate is still running at that time). We can even top up cash say 2 weeks later to the matured FD and get the current promo rate. There may be some intricacies in this situation. Anyway that was what I was told today. The FD will back date to the original maturity date.

That shows BR's flexibility !

One more thing about nego rate. 50k can start nego though 100k will have better chance. For 5 yrs, we could try to ask for 4.7% or 4.8%. I think guy3288 may be interested in this.

This post has been edited by bbgoat: Apr 15 2016, 06:33 PM

Yup, someone mentioned previously that can nego for:
(1) FD amount RM 50K and above: extra 0.05%
(2) FD amount RM 100K and above: extra 0.10% (maximum)

I am using this number as a guidance

Ya, your humble one is the one that mentioned this few years back. Not sure if I mentioned 0.1% is the max as I did get 0.15% at that time.

But this is not a definite rule as the 0.1% can be broken depending on the sum of money involved. The recent 4.5% is the example.

Haha maybe time has changed and BR upped their game. I am hoping they will have another round of promotion in May/June. I will be happy if they can offer 4.3 for 12m at least.

The current 4.28% min 25k will end on 30th April. But beware as officially they said there is no nego on promo rate. So meaning we have to nego based on board rate 1yr 4.1%. A bit tricky there.

This post has been edited by bbgoat: Apr 15 2016, 07:33 PM

“Alliance 12 Months Fixed Deposit Campaign” 12 April 2016 to 30 June 2016

12 months 3.90% p.a. minimum of RM10,000 in Fixed Deposit (FD)

t&c

https://www.alliancebank.com.my/ABMB/media/...-months-3-9.pdf

This post has been edited by poor man: Apr 15 2016, 07:54 PM


Attached thumbnail(s)

Dipping below 4.0%? I pray others banks don't follow suit

pbe bank Monthly Interest Payment for Fixed Deposit

Please be informed that with effect from 15 April 2016, the Bank is offering Monthly Interest Payment option for all available tenures of PLUS Fixed Deposit and PB Golden 50 PLUS Fixed Deposit.


https://www.pbebank.com/Annoucements.aspx?qid=306#q306
https://www.pbebank.com/pdf/Announcements/m...nterest-fd.aspx
https://www.pbebank.com/Personal-Banking/Ba...it-Account.aspx
https://www.pbebank.com/Personal-Banking/Ba...it-Account.aspx

why so low ah now.. before april we are still getting 4.5% p.a. min 10k,

seems like bnm is on track to a step cut in interests rate?

Banks r betting BNM will reduce OPR on 19/5?

if like that drop liao lo no more 4.5%? i believe back few months back mach offer 4.5% and BSN did it too

oreidy has sign about 2 month back. even mbsb 4.18%. oni uob has this late march for short time.

so 4.5%

This post has been edited by yygo: Apr 16 2016, 10:04 AM

lol i have br so no worries

just want put extra money earn this few months into mbb or hlb again hmm...

o, br, 4.5%?