looks like for
1) straight (i.e. fixed rate, instead of those effective rate due to x mth @ x% + y mth @ y% and subject to adjustment as OPR revised) and
2) conventional (i.e. pure fixed/time deposit, and not linked to any investment be it business, equity, unit trust, commodity murabahah) and
3) over the counter FD (i.e. not eFD)

the best rate in town r
1) Bank Simpanan (12m@4.5% non-PIDM member but 100% guaranteed by government. Heard a/c opening for new depositor a bit slow?)
2) RHB (12m@4.45%)
3) Alliance Bank (3-9m@4.35% but need RM50k)
4) OCBC (15m@4.3%)
5) CIMB (12m@4.3%)

Any better option please advise tq

How about this? Worth to invest or not?

Actually i saw this promo when i passby the bank yesterday. Will check this few day what is the T&C for this offer.

guys, please la, 5 years, 10 years ago, history. 
bsn advertising in chinese newspaper. hopefully really changing and rebranding. can give a try later. 4.5% 1 year good rate.

taikor, management need to institute changes, get pipu to change. u cannot expect a company to change by changing all employee, do u?

u really old school.  mgm guru will not be needed any more. mgm responsible for changes/improvements. just like mas airline need a change. do they change all new staff? new ceo, new idea, new thinking.
anyway, lets see first. i may try bsn later.

wat to say?

blame your luck. see below:

ouch...penang area so far so good! ...
i already manage to open 3 FD slips with 4.5% per annum. High interest and short waiting time, what more can i ask...

the "-6%" makes it sarcastic 

seems like its difficult for a leopard to change spots.... same people running it, how to change?

Which will effectively lower the effective interest rates.

Hi...

I wanna ask something regarding FD. Nearly 5 years ago, I was asked by an EON bank staff to put down RM3K as an FD as a requirement for me to apply a housing loan. After that, i totally forgot all about it, until last week when I register HLB Connect internet banking. When I browse through all my accounts, I stumbled upon the aforementioned FD. Please refer attachment:
[attachmentid=6145864]
I dunno a thing about FD. My wild guess is, when it reached the maturity date, I can take all the accumulated amount. Is it correct?

Thanks for info.

I definitely gonna ask about it. Thanks
Which brings up another question: What cert? Cannot use this screenshot meh?

Yeah, I'm so gonna dig up all my 2011 papers tonight

For those who complained about bsn, I would like to share that I just found a branch at pertama complex. Took me 10min to find the branch in the complex. However, my withdrawal transaction took just 5 min.

There was only 1 other customer.

And I'm not sure it's with mentioning that the tellers are chatty, friendly.

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.

i thought the campaign start on yesterday,so i accidentally placed on yesterday...but just now i uplift and re-placement again and i checked my FD account...it shown "i"beside my FD detail,and it stated that the campaign rate...so i guess even we uplift our current FD and replace,we still can enjoy the campaign rate

during CNY i put.. 4.5% they gave me hampers pen and they will call me once they have dinner.. can eat for free lor.. but i didnt go for it last year.. i got this info also from the thread here.. so em.. not consider as regular

now got extra money .. so thinking put into hlb or mbb lo... dont want to put all in one basket

FD rate is high??

difficult to find bank promo 6 m fd good rates. 12m better

Not as high as 2/3 months ago. With the Ringgit strengtening a bit, hope that all is good from here.