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 Fixed Deposit Rates In Malaysia V. No.12, Strictly for FD Discussion Only

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yygo
post Mar 14 2016, 08:04 PM

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QUOTE(nbi @ Mar 14 2016, 07:35 PM)
That's problem. hv to ask. who knows.

anyway, opened bsn 5 years fd at 4.75% pa. lazy to move around.
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bro, ask means tell them u got fd matured on sat/sun/public holiday. open mouth saja. devil.gif
yygo
post Mar 15 2016, 10:02 AM

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QUOTE(Pinnacle1295 @ Mar 15 2016, 09:43 AM)
The FREE trolley bag is subjected to a minimum placement of RM70,000, right?
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rite!

QUOTE(JULIA! CAN I KILL U? @ Mar 15 2016, 09:57 AM)
Dear all rclxms.gif ,

This is a Latest FD Promo from Bank Rakyat 2016.. Check This Out!!

Promo : PROMOSI MENGHARGAI PELANGGAN 2016
Product : TERM DEPOSIT-i ACCOUNT (individual)
Rate : 4.28% FOR 12 MONTH
Min Deposit : RM25k

Campaign Period : 16 March - 30 April 2016

Any enquiry pls call Rakyat Xclusive Call Centre at 03-26173800. HAV A NICE DAY!  thumbup.gif
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as unkle goat reported yesterday. thx for confirmation on the min amount. rclxms.gif
yygo
post Mar 15 2016, 05:08 PM

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QUOTE(nbi @ Mar 15 2016, 02:36 PM)
claimed back the weekend interests from pb. wink.gif
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some sa said dun give free money to banks. why not. open mulut and get back the interest. laugh.gif
yygo
post Mar 15 2016, 06:00 PM

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QUOTE(sevendogz @ Mar 15 2016, 05:45 PM)
just manage to open FD at Alliance bank today using bankers cheque
was told today is the last day for their 3-9months FD promotion at 4.35
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sign that whatever 1 year >4.3% FD deal over. sweat.gif left 4.3% as highest for 1 year fd rate.



This post has been edited by yygo: Mar 15 2016, 06:01 PM
yygo
post Mar 15 2016, 07:30 PM

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QUOTE(Pinnacle1295 @ Mar 15 2016, 07:02 PM)
I think currently Public Bank's 4.1% + 4.5% (6M + 6M) is the best offer.
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not really. sama dengan cimb, ocbc 15 mth 4.3%.
yygo
post Mar 15 2016, 10:26 PM

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QUOTE(hurtedheart @ Mar 15 2016, 07:51 PM)
Just got to know from LYN that one could request the interest for weekend to be paid if the maturity date falls on a weekend.. Well I wonder if I still can claim back the weekend interest for a FD which matured last year on a weekend which I have uplifted it last year..
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devil.gif too late la.

by the way, not all banks pay interest for fd matured over non working days.
yygo
post Mar 16 2016, 08:46 AM

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QUOTE(CalvinCLK @ Mar 16 2016, 08:41 AM)
Those step-up promo is subject to change if OPR changes. So better lock up full tenure at fixed rate.
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good n bad. good point if change mind, after 6 months, take out and still boleh dapat 4.1%.
yygo
post Mar 16 2016, 08:57 AM

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QUOTE(Belphegor @ Mar 16 2016, 08:50 AM)
Eh, I thought BSN's offer still valid for freshies?
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it was reported by one forummer that bsn stopped the offer. some banks have quota for the deposit amount. so they could end it earlier. or end it as no one else is offering that high. devil.gif

u can always try and let us know if that was not true.
yygo
post Mar 16 2016, 10:57 AM

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QUOTE(elea88 @ Mar 16 2016, 10:51 AM)
just called BSN. no more 4.5% offer. Quota is full.
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thx

gone are the days of 1 year 4.5%. bruce.gif dr bones 5% ................ cry.gif

This post has been edited by yygo: Mar 16 2016, 10:57 AM
yygo
post Mar 16 2016, 01:16 PM

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QUOTE(spurswong @ Mar 16 2016, 01:02 PM)
Yes, just left and will be heading to Alliance 4.35% for 9 months.
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someone said tat one also no more. let us know if still available.
yygo
post Mar 16 2016, 02:25 PM

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QUOTE(hurtedheart @ Mar 16 2016, 01:20 PM)
haha, because I just got to know it could be claimed after reading the posts here..too late for me..
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stay tuned for more fd revelations here. devil.gif tongue.gif
yygo
post Mar 17 2016, 03:25 PM

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QUOTE(wjchay @ Mar 17 2016, 03:08 PM)
For those who complained about bsn, I would like to share that I just found a branch at pertama complex. Took me 10min to find the branch in the complex. However, my withdrawal transaction took just 5 min.

There was only 1 other customer.

And I'm not sure it's with mentioning that the tellers are chatty, friendly.
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fd withdrawal or from sa?
yygo
post Mar 17 2016, 03:36 PM

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QUOTE(wjchay @ Mar 17 2016, 03:33 PM)
Withdrawal from one of those sspn scheme where I could win a Mercedes but after donkey years nothing.
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ha ha ha, lots of pipu in tat trap. anyway fast service oso from tat branch.
yygo
post Mar 18 2016, 10:26 AM

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QUOTE(Angelodeath @ Mar 18 2016, 10:10 AM)
any other great deals atm? newbie here and wanted to go for alliance @ 4.35 (3-9mnths)

smile.gif
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tat one no more.
yygo
post Mar 18 2016, 06:14 PM

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QUOTE(Pinnacle1295 @ Mar 18 2016, 03:56 PM)
OCBC charged 53 cents only whereas MayBank is FOC ..... both cases if no name change.
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maybank also 53 cents, bro!


QUOTE(nbi @ Mar 18 2016, 04:29 PM)
hlb fd "subject to cheque clearance" term

will the effective fd duration less cheque clearance days? consequently, lesser effective interests.

eg, cheque clearance 2days, then effective duration for a 3m fd is (3m - 2).
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not true! bruce.gif it just said in case the personal cheque bounced. std wording for all banks!

fd start date not affected by tat clause. devil.gif

This post has been edited by yygo: Mar 18 2016, 06:15 PM
yygo
post Mar 18 2016, 08:10 PM

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QUOTE(starry @ Mar 18 2016, 07:01 PM)
HLB banker cheque is FOC for senior citizens.
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really? for 50, 55, or 65 years old? not without respect, we know the senior citizen age wise are defined differently from age 50 to 65.

QUOTE(Pinnacle1295 @ Mar 18 2016, 07:16 PM)
I just checked my FD maturity withdrawal with Public Bank in Jan 2016 .... also free!
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are u senior citizen?
yygo
post Mar 18 2016, 08:28 PM

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QUOTE(Pinnacle1295 @ Mar 18 2016, 08:18 PM)
55 but I dun think it has to do with age.

In the case of MayBank, the teller told me that if I request 1pc of Banker's Cheque for the 100% amount then it is FREE. If partial of the whole amount, then chargeable.

As for Public Bank, I requested 10% to be credited to my S/A & the balance 90% in a single BC .... and it is FREE.

As for OCBC, so far I only request for 100% in a single BC which is FREE. Other than 100% then I am not too sure whether it is chargeable or not.

Whatever it is, I am not too picky even if it is chargeable.
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i tot u said ocbc u paid 53 cents in earlier post? mbb free hmm.gif
yygo
post Mar 18 2016, 08:43 PM

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QUOTE(Bonescythe @ Mar 18 2016, 08:42 PM)
Myr so strong... looks like my 5% dream is very thin already..
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wahaha, 5%, in the dreams.............. bangwall.gif bangwall.gif
yygo
post Mar 18 2016, 09:51 PM

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QUOTE(Pinnacle1295 @ Mar 18 2016, 08:48 PM)
Sorry, my mistake .... it's 53 cents.  doh.gif
Just did the withdrawal on Wednesday.
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u mean maybank 53 cents or ocbc 53 cents? rclxub.gif rclxub.gif
yygo
post Mar 19 2016, 08:52 AM

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QUOTE(wil-i-am @ Mar 18 2016, 11:23 PM)
Their newspaper advertisement is aggressive too
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even mbsb is giving 12 mth 4.18%. does not bode well for the 5% tat big bones is dreaming of. but mbsb cannot fight with others with 4.3% promo. devil.gif

QUOTE(alexanderclz @ Mar 18 2016, 11:24 PM)
we can only conclude that different banks of different branches charge different individual differently for banker's cheque. hq can say 1 thing, but branches doing another thing.
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good point and quite true. devil.gif

QUOTE(sms2u @ Mar 19 2016, 03:02 AM)
Are u sure hlb will minus 2 days interest?

I thought that statement is just to tell the FD is valid if the cheque clear.
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rite. i said tat yesterday. thumbup.gif

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