For interest to go up, economy must be good. For economy to be good, US and china need to be good. WIth US and China having good economy, there will be demand for stuff. With US and China struggling, where is the demand? Hence interest rates cannot go up. Just my two cent.

Anyone knows what will happen if FD plan has fully matured?

1) auto renew to latest plans
2) just become stagnant with 0% interest
3) continue last interest rate in old plan

Any idea?

BR full liao.. cannot put all in one basket.. so guess hlb my target now.

HL bank Biz Flexi FD5 Step-Up 180 Days Boost your returns up to 4.50% p.a. min 50k

starts on 18 April 2016 and ends on 30 June 2016 Business Flexi FD Account

T&C https://www.hlb.com.my/main/assets/files/pr...p-up-tnc-en.pdf

Effective Stepup Interest Rates 4.10%

Also have AmBank 2/3 years 4.6/4.5%. BR 2 years 4.55%
Look into your crystal ball for next year ! 

u cannot uplift for placement you did today (i.e. no same-day uplift).

try tomorrow.

The trick is not to talk to teller. There will be an officer in charge of FD, talk to him. If fail talk to the ABM or BM.

Disappointed today after checking the MBB Gia-i 7th month interest. Instead of getting 4.5%, only 4% !! Same as the 1st 6 months ! 

cybpsych, please check yours that is coming soon.

Wah ! Property tycoon !
Shxx, unless they make a mistake, which is not likely. Have been looking fwd to the 4.5%, even the 6% for 11 and 12th mth. Now, looks not that promising. 

May want to pull out now. Losing some interest as some banks was offering higher rate when I placed it back in Oct 5th. 

Hahaha, lets see first. May talk to them or wait till next month. Luckily did not put too much into it. 30+k only.

No way. I was one of the first when they started the promo around Oct last year. That time normal GIA-i was not introduced yet. Anyway let the funding exec to call me. She is the one in charge of fd in Maybank branch.

go to another branch of hlb BM call HQ and give me 4.3% @ 6 months. so i put it in hlb but at another branch. exactly 7 digits top up some.

OK, was told that they were surprised that it was 4% instead of 4.5% for 7th month onwards. I told them that other states in Malaysia they are getting 4.5% for 7th month onwards. The officer told me they have highlighted this to the IT dept.

Thanks to those responded on getting 4.5% earlier today. 

So it is always good to check the monthly interest credited into account. 

Old?? So this rate is no longer applicable?

FD rates are decreasing day to day.

Hi guys, just jump into this thread bandwagon, usually what are the minimum for putting FD?

True indeed, my excel file also shows the same. Most FDs maturing this year (1 year placement for 2015) range from 4.1-4.2 with the exception of SCB 4.5, OCBC 4.5 and CIMB 4.3 as what you posted. I am still happy with 4.3 for 12m though the trend now looks like more promo for shorter than 12m terms.

Is this PIDM protected?

I have a question for those who make FD placement with personal cheque. When would your current account be debited? On the day you make the placement itself or only after the cheque is cleared (no longer floating)? I wonder what happens to the money when it is floating (usually 2 working days). Is it with the payer account, the payee account, the payee bank or with Bank Negara Malaysia? Thanks.