Isn't all banks are like that? Go customer service counter, take no, then wait your turn and then go to the counter? Of course priority banking different story.

It was in his blog. You don't need to transfer money out. Just sign some forms. You get 4.1% instead of the 4.2%

This post has been edited by Ramjade: Mar 30 2016, 01:16 PM

tun, most banks just go to 1 counter to place fd. no 2 counters. ask others please. u onli familiar with wat 1,2 or 3 banks??

your statements are not logical and misleading. RM can give better rates, yet 4.1%. u should say board rate is lower.

oso, captain said sometimes he get higher rate of 4.5%!!!

This post has been edited by yygo: Mar 30 2016, 01:22 PM

For me, personal experience HLB, SCB, Affin, cimb, maybank all take no from customer service counter first, then wait your turn to be call to the counter.

Oh, you misunderstood me. What I meant is that FD will not be renew at board rates but will be renew at say 4.1% upon maturity. Promo rates is 4.2% but RM help to get 4.1%. I think when he was offered 4.1%, he took it cause no need to go to another bank again. Not sure which post already.

This post has been edited by Ramjade: Mar 30 2016, 01:27 PM

oh boy oh boy. taking number from counter not counted. wat about taking from a machine? u seems to have a lot to learn. uob for fd, in customer service, fill up forms etc. then go to counter to place fd. same for affin. not customer service to get no. in 1 sec, i tot u are retxxxxx.

i dun think i got u wrong. it was wat your statement means. maybe it was your english.

u got it all wrong. captain got 4.5%. he was just saying if promo rate 4.2%, u may get 4.1% (for all other souls). tat is wat he was saying. how come your memory is so "super good"? quoting from your good memory? do check out and correct me.

This post has been edited by yygo: Mar 30 2016, 01:39 PM

cimb forever asking buy UT even upon walk in. wait for cheque to be cashed also get invited to table for tea and UT salesgirl comes.

bro, now u know how smart is this tun?

what u said about captain is the same with what i have seen.

thank you. i was about to say what use is a RM who nego LOWER rates...was going to call uob and ask them what is this policy hahaha

that kiddo has problem to express himself. got to forgive that kiddo.

so i am not the onli one tat interpret his statement "wrongly".

poor me, have to remind him few times then he realized the issue. but still pretend pretend some more.

No, hlb mv.....just press for no, upstairs to counter, 10 min, done.

tat kiddo still has lots to learn.

Hi Guru's of the FD universe, i have about 50-75k saving. Looking to for a good deal in FD. Can please tell me which is currently the best rate in town ? which bank & any hidden clauses.

Thank in Advance

UOB 4.5% till this week Friday.

UOB 12 mth 4.5% till 31st March, tomorrow Thursday.

Public Bank revised the T&Cs for their FD/TD Promo, the key difference is the promo rate is fixed, no longer subject to OPR changes. So, no need to worry the rate will be lower for subsequent rollovers should the OPR change.

PB Step Up FD Campaign Revised T&C
PB FD Xtra Campaign Revised T&C

That will remove the psychological obstacle that some of us have on PBB's FD. Thanks for the info !

Maybank new step up min 25k 6mths effective rate 4.25%.

just called MBB regarding their e-FD campaign on fresh funds. Apparently, even money in MBB Savings Acc are considered fresh funds as long as it is not withdrawn from existing MBB FD.

how to know which i entited? I do saw board rate as well lol

If you sum up the % for each month and then divide by 12, u get 4.31%/month average. Basically they want to lock down your money for first 6 months and only award the high interest at the final.