Fixed Deposit Rates In Malaysia V. No.12, Strictly for FD Discussion Only
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 Mar 15 2016, 09:43 AM
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#1
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Junior Member
418 posts Joined: Jan 2015 
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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!! The FREE trolley bag is subjected to a minimum placement of RM70,000, right? |
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Mar 15 2016, 07:02 PM
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#2
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Junior Member
418 posts Joined: Jan 2015
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QUOTE(TOMEI-R @ Mar 15 2016, 06:51 PM) Offer still open? I think currently Public Bank's 4.1% + 4.5% (6M + 6M) is the best offer.Seems so... looks like no more 4.5% anymore. |
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Mar 15 2016, 08:15 PM
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#3
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Junior Member
418 posts Joined: Jan 2015
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QUOTE(yygo @ Mar 15 2016, 07:30 PM) not really. sama dengan cimb, ocbc 15 mth 4.3%. Thanks.Mine maturing tomorrow with OCBC. Going to transfer to Public Bank. |
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Mar 16 2016, 08:58 AM
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#4
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Junior Member
418 posts Joined: Jan 2015
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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. Are you sure that the step-up promo is subject to change if OPR changes?I don't think so. |
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Mar 16 2016, 02:40 PM
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#5
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Junior Member
418 posts Joined: Jan 2015
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QUOTE(CalvinCLK @ Mar 16 2016, 09:28 AM) Why don't think so? Yes, you are right! I just went to PBB & the brochure mentioned about it. When I asked the bank officer, he said so far they never revise the offer rates even though the T&C states otherwise. This is from the TnC. (3+3+3 PBB Step Up) [attachmentid=6175749] Edited: Looking for 6+6 TnC... Here you go: [attachmentid=6175759] I am not sure about other step-up promo. Perhaps some can share. But there's reasons why more banks start to offer step-up promo. Like some members here said, OPR might be adjusted lower coming MPC meeting. Anyway, I have done placement with PBB & MBB's step-up FD rates before & so far they honour the offer rates. Hopefully they don't revise when the OPR changes. |
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Mar 16 2016, 03:58 PM
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#6
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Junior Member
418 posts Joined: Jan 2015
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QUOTE(CalvinCLK @ Mar 16 2016, 03:16 PM) Need to see how far back does the officer mean. OPR went up since early 2010, it was good for them not to revise the offer rates, unless he's referring to crisis time where OPR was adjusted downward from 3.50% to 2.00% which I don't have the details about any promo that time. Not saying that you should not take up the offer, but just need to be mindful that they have the rights to revise rates should OPR changes. Cheers Thanks. Appreciate your comments & clarifications   |
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Mar 18 2016, 03:56 PM
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#7
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Junior Member
418 posts Joined: Jan 2015
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QUOTE(nbi @ Mar 18 2016, 03:15 PM) pb FD maturity banker cheque costs 68sen if no name change. OCBC charged 53 cents only whereas MayBank is FOC ..... both cases if no name change. |
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Mar 18 2016, 06:47 PM
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#8
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Junior Member
418 posts Joined: Jan 2015
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QUOTE(yygo @ Mar 18 2016, 06:14 PM) maybank also 53 cents, bro! Not my case. They didn't charge me a single cent ;-) |
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Mar 18 2016, 07:16 PM
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#9
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Junior Member
418 posts Joined: Jan 2015
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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. I just checked my FD maturity withdrawal with Public Bank in Jan 2016 .... also free! |
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Mar 18 2016, 08:18 PM
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#10
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Junior Member
418 posts Joined: Jan 2015
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QUOTE(yygo @ Mar 18 2016, 08:10 PM) 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. 55 but I dun think it has to do with age.are u senior citizen? 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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Mar 18 2016, 08:48 PM
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#11
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Junior Member
418 posts Joined: Jan 2015
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QUOTE(yygo @ Mar 18 2016, 08:28 PM) i tot u said ocbc u paid 53 cents in earlier post? mbb free Sorry, my mistake .... it's 53 cents.   Just did the withdrawal on Wednesday. |
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Mar 18 2016, 11:22 PM
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#12
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Junior Member
418 posts Joined: Jan 2015
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QUOTE(yygo @ Mar 18 2016, 09:51 PM) u mean maybank 53 cents or ocbc 53 cents? OCBC charging 53 cents for Banker's Cheque. |
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Mar 31 2016, 03:34 PM
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#13
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Junior Member
418 posts Joined: Jan 2015
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QUOTE(cybpsych @ Mar 2 2016, 12:36 PM) are you sure? LOL! Out of the blue, today received a Condotti 20 trolley bag from OCBC for FD placement on Jan 2016. During placement, was told by Relationship Manager that the quota for the free trolley bag has been filled up so I wasn't eligible!  Attached thumbnail(s) 
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Apr 2 2016, 07:03 AM
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#14
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Junior Member
418 posts Joined: Jan 2015
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QUOTE(gsc @ Apr 2 2016, 02:02 AM) Thanks for the compilation...public bank step up, first 6 month 4.1, second 6 month 4.5, effective 4.3% For 12 months. Interest paid into saving account after 6 months. Any idea when the Public Bank step-up promo ending? Thanks.Goat year big goat fund... |
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Apr 2 2016, 02:56 PM
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#15
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Junior Member
418 posts Joined: Jan 2015
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QUOTE(wil-i-am @ Apr 2 2016, 11:36 AM) Until 30/4 Thanks. That is great news as I have other FD maturing on 27/April. |
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Apr 2 2016, 10:23 PM
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#16
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Junior Member
418 posts Joined: Jan 2015
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QUOTE(gsc @ Apr 2 2016, 02:02 AM) Thanks for the compilation...public bank step up, first 6 month 4.1, second 6 month 4.5, effective 4.3% For 12 months. Interest paid into saving account after 6 months. Any idea when the Public Bank step-up promo ending? Thanks.Goat year big goat fund... |
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Apr 2 2016, 10:24 PM
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#17
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Junior Member
418 posts Joined: Jan 2015
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QUOTE(gsc @ Apr 2 2016, 05:08 PM) Other member has replied...30 April. Minimum is rm20k. Need saving account for crediting interest after 6 months Thanks! I dunno why my post was repeated again I already have an existing FD & Saving Account with PBB. This post has been edited by Pinnacle1295: Apr 2 2016, 10:40 PM |
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May 1 2016, 07:57 PM
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#18
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Junior Member
418 posts Joined: Jan 2015
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QUOTE(Human Nature @ Apr 30 2016, 12:28 PM) For the OCBC 4.3% 15m min 70k for luggage bag under Save My Bonus campaign, I did placement on 21-Jan-16 & was told by my Relationship Manager that the luggage bag offer already out-of-stock.Have any of you receive the bag or any SMS as per above? Mine is already 3 weeks. Out of the blue, I received a couriered Condotti 20 trolley bag on 31-Mar-16!! Real surprised ;-) Attached thumbnail(s) 
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