Hello Adele 123
Too bad that Maybank 4+4 FD ..finished liaw

I am interested on this Maybank new promo compaign ..

What is it called .. !!!

Where can I get more information ..
Thank you.

Folks I asked at KLCC maybank today and apparently the 2 month FD promo is no longer available.

Only the 12 month 4.22 that's been previously informed.

EDIT:
I asked at maybank ampang park and they still have the 2 month promo but only for Islamic FD. Gaah always trust but verify !

as above.

i'm lazy to recalculate the interest for 2015's placement which matures in 2016 

for any placement in 2016, i'd just use 366 days instead.

I am looking for conventional over the counter FD (i.e. not eFD etc etc) with following features
1) straight forward rate (don't want those effective rate as a result of step up, roll-over, what + what type because save me hassle in case the real rate differs from the published effective rate)
2) any that is not subject to downward revision as a result of revised OPR? Not sure this is available since OPR is bank negara rate
3) PIDM insured
4) tenure >=12 months (+/- 3 months can consider)
5) no requirement to park a stipulated funds in another a/c like CASA etc

Which bank has the best promo rate currently that fulfil the above? Tq

unker genx said rhb has 12 mth 4.38%? or another bank? dun think so.

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%)

For the maybank 4.22%, can only apply through counter?

because currently im encounter an investment opportunity which are considered as safe as FD and paying 10% p.a return but it have an investment duration for 5 years.. tats why im here for discussion 

I see...well, i think i should take it seriously this time and consult with the bank, due to the fact that i dunno anything on how an FD works. Last time i just concentrate on wanting to make my loan approved only.

Anyhow, thanks for the info guys. Lotsa thanks

Without SA... how to transfer 6-figure amount from another bank?... use banker cheque?

Actually it's the counter staff who said cannot and I need to open savings. So I went to PB. The PB said must and also must get ATM card. It's the hassle of going through all this and wasted 45 min, of course also paying the ATM card charges though it's minimal.

Now who are you to instruct me? Look at the Disclaimer at Page 1 carefully:-

Notice / Disclaimer:-
Call & Visit the respective banks for confirmation & latest promotion.
We are not liable to any misinformation which might cause any financial or opportunity loss (which include FD rates & any others information).

As to Nom-el methods, you can just refer to his blog. I will only provide information about Fixed Deposit Rates/Promos as per the topic.

Miss Adele.. I believe what you said was a true story..
But actually you can do it on the spot, no need to wait until the next day, so that you will not lose 1 day interest..

I think now the new trend is that some banks allow FD depositors to top-up new fund to renew matured FD rather than
need fresh fund from another bank..I hope all banks can practice this convenience way  :thumbsup:

I was wondering does OCBC allow to top-up..?

yes rhb klcc. maybe their branch very good fd deposits...which i doubt since its always empty (compared to cimb and mbb)

If you want the interest to be credited in, you need to get a CASA. However, you can still make the placement without CASA. The interest for every 6 months will be shown at your FD account (OCBC portal). I didn't ask whether can withdraw directly as cash or not.

Interest/ profit payment will only be made at maturity of the promotional FD/FD-i tenure.

Affin staff is promoting 1:1 stuff.
FD  1yr promo only-5% : SIS (15yrs)- (saving + protection) guarantee annual income- interest up to 5.5% -non guarantee.

I'm clueless with this type of saving.

Even I'd think 100k would barely get myself onto their radar LOL, but I'm speaking from a hypothetical standpoint anyways LOL What I'm interested about is how much of a spread (from the original listed rates) are banks actually willing to increase, is it a mere 0.2~0.4% or can it be as high up as 1% or even more? LOL. Short terms la, like 1-mth/3-mth breaks and compared to 1 year.