Yikes... it irks me out when seeing people going high and low trying to save anything lower than rm 1..

Really tak boleh tahan.

Focusing to save from an operation cost of rm 100k will be more feasible to spend your time on than spending time cracking head on how to save rm1 and lesser, wad more to say, rm 0.25 (your fd case) or rm 0.11 (your ibg case)

Maybe you are still a student for now, got many time... haha.

It will come a time when u realize these are really wasting time.. haha..

Sorry if i oT.. but i really tak boleh tahan..

some pipu need to learn time is money. use time to make more money but not cents.

that  important point needs highlight.
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 ..

Latest from CIMB, 100k for FD 4.68%, another 100k in CIMB preferred current acc, free 24k fish and 1 year cimb preferred membership
read T/C http://www.cimbbank.com.my/content/dam/cim...mb-fd-final.pdf

but the effective rate gonna me measly

bro, read the t & c.
serious?  

Nazir Razak

tat one not pure fd.

ut bundled can give high rates. we are interested on eff rate. so tat one by cimb 4.68% not the highest yet. some even saying 8,9, 10%.

Just pumped 10k into it.. really lots of t&c..  maybank cannot guarantee the returns right?

on paper, you are half right. principal and returns not guaranteed.

More risk.. more return.. of course Maybank dont put the conditions for nothing...depends on your risk tolerance.

And lose out 0.85%/0.75% interest (maybank normal efd is 3.15% and Islamic efd is 3.25%)?

HLB now 3m@4.2%?!?! 4.5% offer over end of Feb i think

Went to BSN to make placement for the FD Promotion Rate @ 4.5%. No basic bank account needed, just open a FD account with interest payable on maturity. I guess I was lucky 'cos the whole process only took me 30 minutes.

Payment was done by personal cheque, effective date of the FD is 3 days later ie 14/03/2016. Checked this with the bank officer, this is 'cos FD will become effective only after cheque clearance, it this normal for those who has make same placement with BSN ?

Btw, was told by the bank officer that today is the last day for promotion rate 4.5%, new promotion rate 4.3% applicable from next week.

bro, br still has 2 yrs 4.55%, min 50k.

also most banks (almost all!!) give start date same as date of cheque (personal or banker's cheque). only bsn seems to have start date 2 or 3 days later!!

The FREE trolley bag is subjected to a minimum placement of RM70,000, right?

sign that whatever 1 year >4.3% FD deal over.   left 4.3% as highest for 1 year fd rate.

Hi all, a newbie here to ask question...

After reading the thread, was wondering if we using a banker's check for FD, what is the payee name to write on the banker's check if you don't have a account for the new bank?

Thanks in advance!

typical service in BSN. that's why I really dislike doing any banking transaction there 

many govt departments are better ... than this

What was the answer at that time:
"5 minutes later got an answer"

You can ask for multiple gifts. The Cross pens seems to be a premium gift. Ask for other gifts that I stated earlier. The Parker used to have 2 types, one cheapo and another one more expensive but I think the Cross pen is better quality.  They may not give unless the deposit amount is higher. Hard to say, just ask ! 

Affin Bank FD Promo, valid until August 2016

(1) 3 months: 3.85%
(2) 6 months: 3.95%
(3) 9 months: 4.00%
(4) 12 months: 4.2%
(5) 13 months: 4.3%

Minimum FD deposit RM 10K

Each FD promo needs to put additional RM 5K to saving account and earmark
to follow FD tenure. 

Will get a gift, something like Micro Fiber Mop

I always heard people saying that... no matter is motorcycle bang car or car bang motorcycle. the fault will be always on the car and not on the motorcycle.. is it true??

Just happened to me recently (like Tuesday) and now I suspect he wants to sue. Anyone got more experience on the suing nonsense? Can claim against insurance or not?

Work on it, the time will come, soon ! 

So far I observed at least 3 branches got that carpet.
I have just sent in my application but they asked me what rate I want so I put 4.5% then.
I am not much better, I just asked BR Uptown branch for free gifts & they only mentioned got towel & sun shade.
Will try another branch

We need to spread money in few banks, so it will be "fresh" funds when the FD matures. That's why I only will see 6 months promo FDs, easier for me to swap over.
Economy won't be anytime better, at least for the next few years. So FD rate will remain higher than normal.

yes 4.5% for 6 or 3 months hard to see.. only 4.2% from hlb i see from their site..

well anything banks offer more than 4.2% for 3-6 months?

guess next month will drop again?