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 Fixed Deposit Rates In Malaysia V. No.12, Strictly for FD Discussion Only

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SUSlowya
post Mar 21 2016, 03:20 PM

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QUOTE(BoomChaCha @ Mar 21 2016, 12:20 PM)
It took more than 8 minutes to transfer a call from RHB call center to
a RHB branch...  doh.gif

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..
*
i have already banned this one with their bad corporate culture/practice across the board.
SUSlowya
post Apr 27 2016, 04:28 PM

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those who think using laptop bag is secure, should rethink to use giant plastic bag instead for lesser risk lol.
SUSlowya
post Apr 29 2016, 11:18 AM

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QUOTE(BoomChaCha @ Apr 29 2016, 10:51 AM)

Better to put money in a courier company's non transparent shipping bag, then put the
non transparent shipping bag in a Giant plastic bag..
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with built-in gps chip and alarm triggering system. laugh.gif
SUSlowya
post May 2 2016, 07:49 PM

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a quick check, which is the highest effective FD rate (any duration, less than 5 years) currently?

This post has been edited by lowya: May 2 2016, 07:52 PM
SUSlowya
post May 2 2016, 08:08 PM

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QUOTE(Ramjade @ May 2 2016, 07:58 PM)
4.3% p.a if I am not mistaken.
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so low nowadays, used to get 4.6%

Q2/16 Inflation Rate 3.3, so if 4.3 highest, left with 1% peanut only.

really need to get higher interest than FD these days.

QUOTE(wil-i-am @ May 2 2016, 08:00 PM)
U can read page 1 for further info
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any better rate than public bank 4.3% pa for 12mths?

no 4.5% out there? 4.4%?
SUSlowya
post May 3 2016, 08:47 AM

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QUOTE(Ah SiAnG @ Feb 21 2016, 02:48 PM)

List Of Banks With Survivorship Clause - Updated by magika on 16 November 2014
1. OCBC
2. RHB
3. Alliance
4. Ambank
5. Cimb
6. Hlb
7. Affin
8. MBB
what does Survivorship clause said?

Ppb dont have?
SUSlowya
post May 3 2016, 06:22 PM

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QUOTE(SubangSales @ May 3 2016, 05:20 PM)
hey have you guys tried. withdraw from savings cash from ATM immediately put in FD

considered fresh funds - even if same bank?
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i wish to know the same.

any above 4.25% package now?
SUSlowya
post May 4 2016, 11:55 PM

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QUOTE(cybpsych @ May 4 2016, 06:52 PM)
user posted image

yes, Maybank eFixed Deposit Flexi Campaign has been extended to 13 May 2016 (previously 30 April 2016)

thumbup.gif
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whats the effective p.a. rate?
SUSlowya
post May 5 2016, 03:59 PM

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any affin bank promo?
SUSlowya
post May 5 2016, 08:15 PM

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QUOTE(twinkle5129 @ May 5 2016, 05:31 PM)
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.
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i am clueless what is that all about, fd shd be easy to understand.
SUSlowya
post May 8 2016, 08:03 AM

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QUOTE(ikanbilis @ May 8 2016, 04:20 AM)
This is currently the best 12-month deposit in town. Effective rate up to 4.43%. Better hurry up, the campaign limit is only RM155m rclxms.gif

.
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dont mind explain how u get 4.43% effective?

if that is the case, how come they didnt mention inside the pdf?
SUSlowya
post May 11 2016, 10:28 PM

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QUOTE(ikanbilis @ May 8 2016, 04:20 AM)
This is currently the best 12-month deposit in town. Effective rate up to 4.43%. Better hurry up, the campaign limit is only RM155m rclxms.gif

.
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anyone go for the KFH 4.43%?

any min requirement? any gifts?
SUSlowya
post May 17 2016, 05:50 PM

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QUOTE(zdongdongz @ May 17 2016, 02:11 PM)
just been to maybank and saw the same promo of Profit Now Account-i 4.23% p.a for 9 months tenure. looks quite good...

Let say u place 1 mil, u will get rm31725 instant profit (1 mil x 4.23% x 9/12)
If u reinvest the rm31275, u will get rm1006 instant profit again (rm31275 x 4.23% x 9/12)
So, effective rate is 4.36% p.a [((rm31725+rm1006)/(9/12)) /1 mil x 100%]
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What is the minimum sum required for Maybank Profit Now Account-i 4.23% (4.36% effective)?
SUSlowya
post May 18 2016, 07:57 PM

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QUOTE(mingfei2u @ May 18 2016, 03:29 PM)
why don't place your FD in Bank Rakyat 4.5% without any T&C???
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i suppose u mean effective 4.5% p.a.?

min sum? any gift? any hidden clause?
SUSlowya
post May 20 2016, 11:02 AM

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QUOTE(cklimm @ May 18 2016, 11:15 PM)
The iPod made its way home! Combined with RM 645 interest, this RM180 iPod effectively boosted the profit rate to 5.5%. Min 15k for this promo
They cut, we leave. They will increase rate when they run out of $
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i am confused, this is BSN counter deal or RinggitPlus online deal?
SUSlowya
post May 20 2016, 11:10 AM

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QUOTE(bbgoat @ May 20 2016, 09:06 AM)
This reminds me to call MBB. They confirmed that for 7th month, I still get 4%.  shakehead.gif They said will ask their IT to fix it, if not will need to manually key in the extra interest to me.  This type of problem also can exist in MBB.  doh.gif
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i think this is serious, if u ask they fix, for those customer who didnt ask, they happily 'absorb' your profit. Very serious if bank has this type of unethical practice.
SUSlowya
post May 20 2016, 07:11 PM

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Please note the BSN free ipod promo is over, in case someone wasted time asking like i did today.
SUSlowya
post May 22 2016, 09:02 AM

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QUOTE(bbgoat @ May 22 2016, 08:56 AM)
I think the 4.5% not likely to come back so soon. All depends on next 3-6 months situation. I will be happy with 4.3-4.4% for 12 mth FD, for now.  biggrin.gif
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Looks like its better the accept 4.4% than continue waiting.. which 4.4% do u recommend?
SUSlowya
post May 24 2016, 11:22 AM

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QUOTE(cybpsych @ May 24 2016, 10:44 AM)
we should enforce a standardized reporting template for posters to post fd info  vmad.gif

example:

Bank:
Branch/Location:
Date of Report/Placement:
Effective Interest/Profit Rate:
Promo Period (if any):
Minimum Placement:
Other Requirements: such as CASA, UT-linked, etc etc
Website/T&C (if any):
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+1
SUSlowya
post May 26 2016, 02:54 PM

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QUOTE(cklimm @ May 26 2016, 12:19 PM)
No such luck in Affin Kepong, they offers min10k 4.3% for 13 months, 5k in casa. bangwall.gif
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Pass by Affin Serdang, no such promo. So what do we have here? branch manager own promotion?

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