Ask the counter staff when u withdraw the FD. I got it when I asked them about it. 
Yes ! 
If u have about 250k, get the instant interest then put in for another 12 mth promo. 

If lesser FD amt, put in to earn interest for normal FD or whatever. 

U plan to place with them?

the advance interest how they calculate ? is there a time period ?

Yeah, KFH offer better rate but not as convenient. Maybank is just next door and feel more secure then KFH 

Was planning to withdraw my FD from Affin Bank and park it under Maybank today, however the counter lady told me they introduced new rate last Friday. 4.5% for 12 months. Renewed my FD with them and got that rate.

okay.  so far the 4.5% FD is available at Affin Bangsar, Cheras & Subang Jaya any others branch offer this "special" rate

Bank:Hong Leong Bank
Branch/Location: -
Date of Report: 26/05/2016
Effective Interest/Profit Rate:4.3% for 6-month FD
Promo Period (if any): 19 May - 30 Sep 2016
Minimum Placement:10k fresh fund
Other Requirements: - Only for Seniors (Senior Savers Flexi Fixed Deposit Promotion)
Website/T&C (if any): https://www.hlb.com.my/main/assets/files/pr...ings-tnc-en.pdf

Seems like HLB has the best 1 month FD with PIDM at the moment
3.3%pa, min 10, online placement only

Affin bank Shaftbury cyberjaya have the 4.5% fd promo as well.

It must be a huge deposit to get a thermos

Just rec'd call from Affin BM
They offer 12 mths FD @ 5% with min RM20k subject to T&C