Sorry I don't have the deadline for the promos.

Yes. Select 2 mths,d 4% is paid mthly, so it feels like 1mth fd

Maybe rhb?

Cz I had bad exp v rhb for their way

any news on march fd promo? now looks best one bsn 1 yr 4.5%, br 2yrs 4.55% then rhb 1 yr 4.45%.

Hi I'm new to FD. Since BSN/AFFIN/PBB are offering 4.5% p.a. Any difference i need to take note while choosing between them? Eg: open savings account is mandatory?

I manage to place 3 month FD with HLB. I was told the 6 month is still available as well.

So is it specific to the branch you tried only that no longer available? Which branch is this?

take the one convenient to you.

Thanks~! So all this promotion FD rate are only applicable at the bank branch right? For online E-FD still using the standard 3.3 p.a ?

Yes. efd ranges from 3.1-3.3

fyi.
cimb rates. (need to ask for promo rates).
1 mth 3.7%.
3 mth 4.2%.

Yes. That's true. However there are banks which offer promo rates efd like alliance, and usually cimb. Not sure if Mach 4.5% still got or not.

One forumer posted that he put into maybank GIA-i FD and get 4%. Haven't test it yet.

On to your question which bank to choose,

Depends on waiting time, easy to find parking and how much parking fees. Take bsn for eg, be prepare to wait min 1 hour to open a FD account. Waiting period in BSN is insane.

I used to go for affin as the bank have no customer (very fast) and they always have the highest promo rates (now, it seems that other bank managed to beat their promo)

This post has been edited by Ramjade: Feb 29 2016, 05:03 PM

Attached thumbnail(s)

just deposited for HLB 4.5% for 6 months FD, they just give me a paper after i deposited, can i withdraw the money at any branch after maturity?

the counter girl told me it will be renewed automatically? therefore i must withdraw on maturity date? if not it will be renewed and i cannt withdraw?

the interest payment method i choose add on to principal, but on the FD paper the selling price = my principal * 0.045 * 6 / 12, it does nt seem to increase the interest i can earn??

Most bank also auto renew, Just withdraw lo the rate of auto renew usually based on board rate. Late one or two days burn the interest

wait for march FD promo..... huhu :z

i want to ask about the interest rate calculation... is there any difference due to the leap year?

i can't seem to calculate and get the right interest based on the FDs i have... somehow just slightly off...

Hehe.. Must be big amount lor

For leap year, you have 366 days, so the interest calculation is: (no. of days) X (p.a. interest rate)/366

I went on 29 Feb to HLB branch and was told 4.5% 6 months promo no longer available.

as above.

i'm lazy to recalculate the interest for 2015's placement which matures in 2016

for any placement in 2016, i'd just use 366 days instead.