This post has been edited by BoomChaCha: Feb 23 2016, 09:32 AM
Fixed Deposit Rates In Malaysia V. No.12, Strictly for FD Discussion Only
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 Feb 22 2016, 10:25 PM
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#1
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UOB New FD Promo:
This post has been edited by BoomChaCha: Feb 23 2016, 09:32 AM |
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Mar 4 2016, 01:36 AM
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#2
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QUOTE(Gen-X @ Mar 2 2016, 04:44 PM) Update for Maybank until end of March Captain..4% effective interest rate for 3 months. 1st & 2nd month 3.6% and 3rd month 4.8%  Minimum deposit for Alliance Bank FD is RM 50K... 
But your blog mentioned RM 25K wor.. http://genxgenygenz.com/fixed-deposit/ QUOTE(guy3288 @ Mar 3 2016, 10:54 PM) that important point needs highlight. 100% agree with Tan Sri Small FD eg RM1000, rate difference not important, 3.45% or 4.5% nothing much to lose.. However i was quite annoyed by those who pretend to speak your mind earlier, saying if you already have tens of millions in FD, you wont bother be it FD rate 3.45% or 4.55% That is kind of silly. An additional RM10,000 in interest return in a year is nothing? The more millions they have in FD the more they must pay attention to the rate. 3.45% or 4.5% can give additional RM100,000 a year! if people have the attitude already have millions , wont bother value of RM10,000 i doubt they have reached there, by own effort. Its good that you didn t come out sounding like what they have said ..  QUOTE(kopifan @ Mar 3 2016, 08:42 PM) ok tq. i saw the RHB offering FD/CMD-i 4.45% for 12 months. The FD is conventional FD right. I am not interested in the Islamic Commodity Murabahah one Maybank 12m effective 4.38% pa Any idea if this is a step up type? Looks like the highest straight forward conventional FD are by 1) BSN 12m (4.5%) 2) Alliance 3-9m (4.35%) but needs 50k 3) OCBC 15m (4.3%) QUOTE(adele123 @ Mar 3 2016, 10:35 PM) Actually conventional and islamic same same la. Both applicable to rhb. Miss Adele is right, RHB is No 2 now..#2 should be rhb, no? Just need casa for interest crediting. 1) BSN 12m (4.5%) 2) RHB 12m (4.45%) 3) Alliance 3-9m (4.35%) but needs 50k 4) OCBC 15m (4.3%) This post has been edited by BoomChaCha: Mar 4 2016, 01:48 AM |
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Mar 15 2016, 10:40 AM
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#3
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QUOTE(familyfirst @ Mar 15 2016, 09:07 AM) I also prefer maintain. Top up 10k to existing maturing fund at OCBC and renewed at 4.3% for 15 mths. Register for free luggage bag again. Will be my 3rd bag, LOL!! I placed my FD at 4.3% rate for 6 months during last year December,am I eligible to get the free trolley bag? How to register to get this free trolley bag? Thanks |
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Mar 15 2016, 06:16 PM
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#4
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QUOTE(familyfirst @ Mar 15 2016, 11:56 AM) Dunno Dec valid mou cos if not mistaken start from Jan. Ok.. Thanks Nevertheless go to OCBC website and register. I clicked it from ocbc facebook page that brings you to the website.  |
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Mar 16 2016, 11:27 AM
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#5
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Just went to RHB bank, was told currently no FD promo
is available at this moment. |
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Mar 18 2016, 05:11 PM
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#6
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First time ever received a call from MBSB for FD promo:
(1) 1 year: 4.18% (2) 6 months: 4.08% (3) 3 months: 3.88% Minimum FD deposit: RM 10K |
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Mar 21 2016, 11:43 AM
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#7
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UOB FD Promo, minimum RM 10K, need fresh fund,
no need to open saving account. Valid until end of March (1) 12 months: 4.5% (2) 10 months: 4.18% (3) 5 months: 4.05% (4) 11 Months: 4.245% ---> this needs to open saving account This post has been edited by BoomChaCha: Mar 21 2016, 11:44 AM |
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Mar 21 2016, 12:20 PM
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#8
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It took more than 8 minutes to transfer a call from RHB call center to
a RHB branch...  RHB right now does not have any FD promo.. According to RHB, maybe need to wait until April to see if any FD promo or not.. |
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Mar 23 2016, 10:02 AM
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#9
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QUOTE(msa9696 @ Mar 21 2016, 12:35 PM) Thank you very much for the updated info. My FD matures tomorrow and the timing could not be better. You are welcome.. I might overlook this and end up going for much lower FD promo without your updated info  I just placed this UOB FD yesterday, a tradition & simple FD, interest will pay upon maturity, no need to open a saving account. According to UOB, this promo has started since last Friday.. QUOTE(netbuzzchin @ Mar 21 2016, 03:03 PM) Thank you for the great information. Unfortunately my FD matured on early of April.... You are welcome..  I hope UOB can extend this promo QUOTE(lowya @ Mar 21 2016, 03:20 PM) i have already banned this one with their bad corporate culture/practice across the board.  QUOTE(michaelho @ Mar 21 2016, 09:57 PM) Why la my area no UOB ???????????????????????? My area also has no UOB.. RHB SME FD / CMDI Deposit Campaign (This FD promo is for company only, not for personal) Valid from 15 Feb until 30 April. Min RM 50K (1) 3 months: 4.05% (2) 6 months: 4.30% |
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Mar 24 2016, 01:36 PM
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#10
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QUOTE(msa9696 @ Mar 23 2016, 09:42 PM) No need open savings account so you just deposit and get the cert? That day the girl kept insisting that I must open a savings account and they must issue an ATM card and online pin to me. I keep asking the reasons and they said now is the standard practice. I told them not all banks required and she insist. So I have no choice but just to open. Opening account took me 45 min but then processing FD at counter only like 5 min. If opening account not necessary then I'm going to write in to them asking why the inconsistency. No, no need to open a saving account.Yes, I just went to the counter to place this FD and then got the FD receipt within 10 minutes. In fact, I do not have a saving account in UOB. Ha ha..  I think the UOB girl wanted to make incentive lah... Why need to open a saving account? Unless if the interest needs to credit to the saving account. Next time happen like this again, you can say you want to talk to the Branch Manager to confirm... Hong Leong FD Special Offer but need to deposit to Saving Plan With one free luggage bag.. 
This post has been edited by BoomChaCha: Mar 24 2016, 01:40 PM |
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Mar 26 2016, 01:19 AM
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#11
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QUOTE(gchowyh @ Mar 25 2016, 07:19 PM) You were lucky at SCB, my RM bluffed me said there is a promo FD & ended up talking to me about Prudential! Ha Ha.. This is very funny... |
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Mar 28 2016, 09:11 PM
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#12
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Just received a phone call from Standard Chartered Bank about Get Premier Member program:
(1) Introduce 1 person to deposit min RM 250K to FD at normal board rate, introducer will get one 32" LED TV (2) Introduce 2 persons to deposit min RM 250K respectively to FD at board normal rate, introducer will get one 48" LED TV (3) Introduce 3 persons to deposit min RM 250K respectively to FD at board normal rate, introducer will get one 55" LED TV FD tenure is 6 months. All depositors will get one mini Ipad for free... I forgot to ask the brand of the TV.. Standard Chartered Bank does not have FD promotion now..  This post has been edited by BoomChaCha: Mar 28 2016, 09:16 PM |
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Mar 29 2016, 09:44 PM
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#13
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QUOTE(gchowyh @ Mar 26 2016, 01:52 AM) Worst part is she intro this SCB/Prudential agent who has been working in uptown for 5 years & said I have been putting into FD promos since she started working there (I really cannot remember if it has been that long). Probably everyone has changed except her, ha! Ha ha.. Gary.. This is quite funny.. Anyway, will try to avoid SCB unless their rates are irresistable Prudential agents are always like to chase after you.. Ha Ha.. QUOTE(yygo @ Mar 29 2016, 05:24 PM) u think less by rm100 pipu will buy? Yes. Somebody will buy it since can save RM 100.  tats mentality of a kiddo. who want to join pb of bank, then have the hassle of selling the items later on.  If with un-opened box, can give a receipt for warranty claim then can sell faster and can also sell for a better price.. QUOTE(Ramjade @ Mar 29 2016, 06:08 PM) You don't hang out in Garage sale much do you? I hang out, I saw with my own eyes people buying higher than normal apple price. Why do you think scalper exist? Also, some people willing to buy 2nd hand ipads. I sold my brand new Medklin purifier for RM 400 (market price was around RM 550 if I remember correctly) without a receipt Unker boom is a kiddo? I remember he took the FD promo with medklin air purifier and sold it off. He make quite a profit combining both interest and sales of the air purifier. He definitely have >RM250k. The last I checked, he is no kiddo. given to the buyer because I misplaced the receipt. This buyer sent her young wife to collect it from me in a shell station...  But unfortunately nothing else was happened.. Lazada is selling the cheapest Samsung 32" LED TV UA32J4003 for RM 699, if SCB is giving this same model, the I think can resell it in between RM 500 to RM 600. Last time I think around 3 years ago, I sold one Philips 42" LCD TV (gift from SCB) with original receipt for RM 1300.00, but market price at that time for this TV was RM 1600 in Tesco. The buyer did not even open the box to check since the TV box was wrapped in plastic rope by the Philips factory. QUOTE(msa9696 @ Mar 29 2016, 05:46 PM) Sent a nasty e-mail to UOB on different treatments, why some customers not required to open savings account but some required. Eventually they called me and confidently said that this is the policy across all their branches and asked me to provide them the branch which did not comply, they will investigate and revert. I eventually just tell them to close the case and not pursue further Bro.. I really think some UOB staffs mislead customer to open saving account in order to make incentives.For me, I have placed FD with UOB for about 5 years but my UOB branch has never asked me to open a saving account. But never mind lah... you have the option to close the saving account in few months later. QUOTE(ljf123 @ Mar 29 2016, 05:54 PM) which branch you went bro UOB 4.5% for 1 year is still available meh..?  thinking to go uob tomorrow for 4.5% fd, btw interest can pay by month?  |
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Mar 29 2016, 10:40 PM
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#14
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QUOTE(yygo @ Mar 29 2016, 10:17 PM) unker boom, u got to teach the kiddo the price to sell. Ha Ha.. If everybody is like you, mudah, lelong, lowyat trading site will close shop loh... i personally will not buy without receipt or even from kiddo. no receipt, difficulty to claim warranty. they always ask for receipt. Some buyers will buy if can save some money even without a receipt. QUOTE(poor man @ Mar 29 2016, 10:27 PM) Last time I think around 3 years ago, I sold one Philips 42" LCD TV (gift from SCB) with original receipt for RM 1300.00, but market price at that time for this TV was RM 1600 in Tesco. I forgot already, but I think most likely it was mudah..The buyer did not even open the box to check since the TV box was wrapped in plastic rope by the Philips factory. Bro.. I really think some UOB staffs mislead customer to open saving account in order to make incentives. For me, I have placed FD with UOB for about 5 years but my UOB branch has never asked me to open a saving account. where you sell tv ? mudah.my? leong ? i have free gift to sell.my free gift also no receipt.... No receipt never mind provided the price is good... Tomorrow I will call UOB to see if 4.5% is still available or not.. QUOTE(Ramjade @ Mar 29 2016, 10:36 PM) Just sell via lowyat garage sale. FOC. No need to pay any fees. To sell faster is mudah.Lowyat garage are mostly students and young men. Lelong got more matured people. Mudah & lelong are also FOC... I hope RHB will come out with a new attractive FD promo in April.. This post has been edited by BoomChaCha: Mar 29 2016, 10:46 PM |
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Mar 29 2016, 11:08 PM
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#15
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QUOTE(poor man @ Mar 29 2016, 10:45 PM) my gift is ipad...how much can sell?? 100% can sell.. ipad air 2 have people want buy or no ? I sent you lazada and mudah links for your reference. I am afraid the moderator will come to scold about this off topic discussion.. QUOTE(msa9696 @ Mar 29 2016, 10:48 PM) Ya I also don't want to argue with them, just frustrated not because of the ATM fee but because it's time consuming opening an account. Oh....no.. you paid for the ATM card..? I feel the instructions to branch inconsistent too, because I was outright rejected by the teller then only I went to the personal banker to open account That is very bad of the two UOB staffs...  I suspect the teller "pakat" with the personal banker to share incentives.. If I were you, I would probably to claim the ATM card money back.. QUOTE(msa9696 @ Mar 29 2016, 10:49 PM) Went to Puchong branch, interest payment upon maturity. When was the last time your placed your UOB FD 4.5% in Puchong??This post has been edited by BoomChaCha: Mar 29 2016, 11:24 PM |
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Mar 29 2016, 11:16 PM
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#16
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QUOTE(Ramjade @ Mar 29 2016, 11:08 PM) People will always buy if the price is right or if they really want something. Simple supply and demand. Certain electronic item, no receipt, still ok. Like ipad as long as box is seal, price is less than apple Malaysia, can buy cause if one knows how to use ipad, one knows how to make the ipad last min 5 years. I got mine from Apple Malaysia at RM200 off.  Now Apple Malaysia cover the hole already. Stuff like air purifier, TV, better have receipt for claiming warranty. Those are stuff that can spoil. As long as you priced your ipad cheaper than Apple Malaysia and the box is still seal, DO NOT OPEN THE BOX TO CHECK THE IPAD you will have a buyer. Give RM100 price cut, good enough. For student, RM100 is a lot unless they are the type ask money from parents. Sorry for being OT. Agree, but if can provide together with an original receipt that will be perfect..and can sell faster too.. QUOTE(Ramjade @ Mar 29 2016, 11:08 PM) Btw, unker BoomChaCha all this FD with gift like air purifier/TV, will you be given receipt for claiming warranty? Yes...Those free electrical gift items from FD promo were attached with one A4 size document (some thing like delivery note) for warranty claim lah.. This post has been edited by BoomChaCha: Mar 29 2016, 11:23 PM |
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Mar 29 2016, 11:41 PM
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#17
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QUOTE(ljf123 @ Mar 29 2016, 11:30 PM) ya, just called them today, available in all branches Oh.. Thank You..  I hope this UOB promo will available until 30th.. QUOTE(Ramjade @ Mar 29 2016, 11:31 PM) If interest < sales of items + interest, better take the gift and sell them like what unker boom did. By choosing the free gift and selling it, his effective interest rate shot up drastically. I remembered he showed the calculations for it. However, don't get bluff by bank like how PB try to bluff customer by giving a free Galaxy Note (not sure which version). Turn out even with the Galaxy Note, effective interest rate is lower than other banks. (if put FD same amount, still got leftovers after using interest given by banks - extra I think RM1k) Oh man..    However, if interest > total sales + interest, better take FD with the higher interest. calculation? No lah..But I can only tell you that the TV & Medklin were my extra net profits on top of FD interest QUOTE(HarpArtist @ Mar 29 2016, 11:36 PM) yes dear, i got the gist of what u are saying some posts ago. You only meet the buyer during your free time.what i am saying is i would never consider sale of items as profit as i actually have to get up and work, to get it sold and profit realised, as opposed to getting interest into my account. why do i say that? because instead of wasting time selling i could be working and earning much more than the sale... This post has been edited by BoomChaCha: Mar 29 2016, 11:44 PM |
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Mar 29 2016, 11:47 PM
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#18
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2,490 posts Joined: Sep 2011
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QUOTE(wodenus @ Mar 29 2016, 11:44 PM) No sign of this on the website though, is it a "preferred customer" kind of rate? Sometimes Banks will not put FD promo on websites.This UOB FD promo 4.5% for one year is for everybody, minimum RM 10K. This post has been edited by BoomChaCha: Mar 29 2016, 11:49 PM |
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Mar 30 2016, 11:05 AM
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#19
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QUOTE(yygo @ Mar 30 2016, 08:16 AM) unker boom, i placed it yesterday. still avail till 31st march. Thanks.. Hopefully it is still available until 31th.. QUOTE(yygo @ Mar 30 2016, 08:16 AM) yup, tis is for kiddo with time to spare n some exceptions like some unker (make sure heart is ok Risk is for yourself only; but not for me.. ). get yourself excited unker! still some risk involved, unker boom!  |
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Mar 30 2016, 11:22 AM
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#20
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QUOTE(yygo @ Mar 30 2016, 11:13 AM) unker boom, for a hnwi why bother with the risk? u have high blood pressue, take care! If everybody is thinking like you, ebay close shop already.. You take care too.. |
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