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 Fixed Deposit Rates In Malaysia V. No.13, Strictly for FD Discussion Only

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TSAh SiAnG
post Jun 1 2016, 05:34 PM, updated 10y ago

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Previous Thread

Original FD Thread
Fixed Deposit Rates in Malaysia v2
Fixed Deposit Rates in Malaysia v3
Fixed Deposit Rates in Malaysia v4
Fixed Deposit Rates in Malaysia v5
Fixed Deposit Rates in Malaysia v6.1
Fixed Deposit Rates in Malaysia v7
Fixed Deposit Rates in Malaysia v8
Fixed Deposit Rates in Malaysia v9
Fixed Deposit Rates in Malaysia v10
Fixed Deposit Rates in Malaysia v11
Fixed Deposit Rates in Malaysia v12

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).

Malaysia Major Commercial Banks and Foreign Banks Fixed Deposit / Time Deposit Rates as at 6 August 2016.

Bank 1 month 3 months 6 months 12 months Remarks
Affin Bank 3.00% 3.05% 3.15% 3.45%
Alliance Bank 3.05% 3.05% 3.10% 3.15% FD Gold 12 months 3.25% (Interest paid monthly)
AmBank 2.95% 3.00% 3.05% 3.15%
Citibank 2.70% 2.75% 2.75% 2.85%
CIMB Bank 2.95% 3.00% 3.05% 3.10%
Hong Leong Bank 2.80% 2.85% 2.90% 2.90%
HSBC Bank 2.75% 2.85% 2.85% 2.90%
Maybank 2.95% 3.00% 3.05% 3.10%
OCBC Bank 2.65% 2.75% 2.85% 3.00%
RHB Bank 3.00% 3.05% 3.10% 3.05%
Public Bank 2.95% 3.00% 3.05% 3.10% PB Golden 50 Plus 12 months 3.20%
Standard Chartered Bank 2.70% 2.85% 2.90% 3.00%
UOB Bank 2.70% 2.80% 2.90% 3.00%


Fixed / Time Deposit and Savings Account Promotions 2016.
Please call the nearest bank to reconfirm the rates (go to the bank website for bank contact number where you can also get the contact number of the branch nearest to you) before going to the bank to check if promotions are still valid.

*
Alliance Bank "e-Alliance Term Deposit-i". Minimum Fresh Fund RM25K. Valid until 31st August 2016

3 months - 3.50% p.a.

Terms & Conditions

user posted image

*
AmBank FD/TD Promotion. Minimum Fresh Fund RM20K. Valid until 31st August 2016

3 months - 3.60% p.a.

Terms & Conditions

user posted image

*
Bangkok Bank. Valid until 31st October 2016

4 months - 3.80%p.a.
7 months - 4.00%p.a.
10 months - 4.05%p.a.
12 months - 4.10%p.a.


user posted image

*
Hong Leong Islamic Bank Berhad "Online Fixed Deposit-i Promotion". Minimum Fresh Fund RM10K. Valid until 31st August 2016

1, 2 & 3 months - 3.40% p.a.

Terms & Conditions (Eng) | Terms & Conditions (BM)

user posted image

*
Maybank ‘FD/IFD-i JOY 3' Campaign. Minimum Fresh Fund RM25K. Valid until 26th August 2016

3 months - 3.65% p.a. - Fresh Funds
3 months - 3.50% p.a. - Non-Fresh Funds

QUOTE(cybpsych @ Jul 28 2016, 12:33 PM)
user posted image

Maybank ‘FD/IFD-i JOY 3' Campaign [ Maybank ]

Enjoy amazing rates with a minimum fresh deposit of RM25,000 for Individual and RM50,000 for SME/Business Banking customers in a single certificate on our 3 months Fixed Deposit.

Offer is open to all Maybank customers and is applicable for Conventional and Islamic Fixed Deposit placement made over the counter only at any Maybank branch in Malaysia.

The campaign is valid from now till 26th August 2016 or upon reaching the overall limit, whichever is earlier. *Should there be an Overnight Policy Rate change, the offer rates may be revised.
Campaign Rate is as follows:

user posted image
How can you do the placement?

Please visit any Maybank Branches for more details and if you are existing Premier Wealth Centre customers, please contact your Relationship Managers.

Terms and conditions apply.
*
*
Maybank ‘FD/IFD-I SUPER 6' Campaign. Minimum Fresh Fund RM10K. Valid until 26th August 2016

6 months - 3.85% p.a. - Fresh Funds
6 months - 3.65% p.a. - Non-Fresh Funds

QUOTE(cybpsych @ Aug 1 2016, 12:04 PM)
user posted image

The Launch of "FD/IFD-I SUPER 6" [ Maybank ]
Campaign Period: 25 July - 26 August 2016

Enjoy superb rates with a minimum fresh deposit of RM10,000 for Individual or RM25,000 for SME/Business Banking customers in a single certificate.

Offer is open to Maybank / Maybank Islamic customers and is applicable for Conventional and Islamic Fixed Deposit placement of fresh funds and non-fresh funds made over the counter only, at any Maybank or Maybank Islamic branch in Malaysia. The campaign is valid from now till 26th August 2016 or upon reaching the overall limit, whichever is earlier. *Should there be an Overnight Policy Rate change, the campaign rates may be revised.

Definition

Fresh Funds for this campaign is defined as:
Clearing Cheques from other Banks or Funds newly transferred into customer's Current or Savings Account with Maybank.

Non-Fresh Funds for this campaign is defined as:
Funds that are transferred or withdrawn from any existing Maybank Current or Savings or Fixed Deposit account and re-deposited (whether part or all of the amounts withdrawn) into the Fixed Deposit account within the campaign period.

user posted image

*Should there be any Overnight Policy Rate (OPR) change, the offer rates may be revised.

Terms and Conditions apply
*
This post has been edited by Ah SiAnG: Aug 20 2016, 11:22 AM
TSAh SiAnG
post Jun 1 2016, 05:35 PM

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*
Maybank Fixed Deposit (FD) Merdeka 59 (5 months) Campaign & Maybank Fixed Deposit (FD) Merdeka 59 (3+3+3) Campaign. Minimum Fresh Fund RM10K. Valid until 15th September 2016

5 months - 3.70% p.a. - Fresh Funds
5 months - 3.60% p.a. - Non-Fresh Funds

9 months - 3.88% p.a.

QUOTE(cybpsych @ Aug 19 2016, 10:48 PM)
user posted image

Maybank Fixed Deposit (FD) Merdeka 59 (5 months) Campaign
18 August 2016 - 15 September 2016

Enjoy superb rates with a minimum fresh deposit of RM10,000 for Individual or RM25,000 for SME/Business Banking customers in a single certificate.

Offer is open to Maybank / Maybank Islamic customers and is applicable for Conventional and Islamic Fixed Deposit placement of fresh funds and non-fresh funds (dual pricing) made over the counter only, at any Maybank or Maybank Islamic branch in Malaysia. The campaign is valid from now till 15th September 2016 or upon reaching the overall limit, whichever is earlier.

Definition
I. Fresh Funds for this campaign is defined as:
Clearing Cheques from other Banks or Funds newly transferred into customer's Current or Savings Account with Maybank.

II. Non-Fresh Funds for this campaign is defined as:
Funds that are transferred or withdrawn from any existing Maybank Current or Savings or Fixed Deposit account and re-deposited (whether part or all of the amounts withdrawn) into the Fixed Deposit account within the campaign period.

Campaign Rates are as follows:

RATES FOR FRESH FUNDS

user posted image

RATES FOR NON-FRESH FUNDS

user posted image

*Should there be any Overnight Policy Rate (OPR) change, the offer rates may be revised.

Click here for Terms and Conditions (Conventional)
Click here for Terms and Conditions (Islamic)
Maybank Fixed Deposit (FD) Merdeka 59 (3+3+3) Campaign
18 August 2016 - 15 September 2016

Enjoy fabulous rates with a minimum fresh deposit of RM10,000 for Individual or RM25,000 for SME/Business Banking customers in a single certificate.

Offer is open to Maybank / Maybank Islamic customers and is applicable for Conventional and Islamic Fixed Deposit placement of fresh funds made over the counter only, at any Maybank or Maybank Islamic branch in Malaysia. The campaign is valid from now till 15th September 2016 or upon reaching the overall limit, whichever is earlier.

Campaign Rates are as follows:

user posted image

*Should there be any Overnight Policy Rate (OPR) change, the offer rates may be revised.

Click here for Terms and Conditions (Conventional)
Click here for Terms and Conditions (Islamic)
*
*
Public Bank FD and TD-i. Minimum Fresh Fund RM10K. Valid until 15th September 2016

6 months - 3.88% p.a.

T&C

user posted image

*
OCBC & OCBC Al-Amin Fixed Deposit Deal II. Minimum Fresh Fund RM10K. Valid until 31st August 2016

Fixed Deposit-i (“FD-i“)

8 months - 3.85% p.a.
12 months - 3.95% p.a.

Fixed Deposit (“FD”)

8 months - 3.80% p.a.
12 months - 3.90% p.a.

OCBC Fixed Deposit Deal II | OCBC Al-Amin Fixed Deposit Deal II

user posted image

*
RHB Term Deposit. Minimum Fresh Fund RM10K. Valid until 31st October 2016

6 months - 3.70% p.a.
9 months - 3.90% p.a.

RHB Islamic CMD-i Promotion T&C (Eng) | RHB Islamic CMD-i Promotion T&C (BM)

RHB Bank Fixed Deposit (FD) Promotion T&C (Eng) | RHB Bank Fixed Deposit (FD) Promotion T&C (BM)

user posted image

*
Bank Muamalat "Wang Besar 3 Campaign". Valid until 14th August 2016

3 months - 3.98% p.a. - Fresh Funds RM3K - < RM1 mil
3 months - 4.01% p.a. - Fresh Funds ≥ RM1 mil

Terms & Conditions (Eng) | Terms & Conditions (BM)

user posted image

This post has been edited by Ah SiAnG: Aug 20 2016, 11:22 AM
TSAh SiAnG
post Jun 1 2016, 05:35 PM

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*
BANK RAKYAT - NOT Eligible for PIDM

If you are willing to go deposit with a non PIDM member, then check out Bank Rakyat Deposit Account -i which is based on Islamic Principles and like all Islamic banks' products, the profit rate cannot be guaranteed.

Thanks to all members who highlighted that deposit more than RM5K with BR is now eligible for monthly dividend. However, please note that many members here reported that their monthly dividends were not be credited monthly but they have to call up BR staff to have it done manually every month!!!
Special thanks to bbgoat for reporting the tenure to be eligible for monthly dividend:-

QUOTE
Was in BR again today. Asked the question. For monthly interest the FD has to be min 6 months.


eFD or eTD.Contributed by Nom-el

QUOTE
Banks that offer true eFD (can do placement & uplift online)
i) AmBank
ii) AmBank Islamic - Minimum Fund for 1 month = RM1,000, Rate: 3.15%p.a.
iii) RHB
iv) Maybank
v) CIMB
vi) Alliance Bank
vii) Hong Leong
viii) UOB
ix) OCBC

Banks that offer online FD placement (cannot uplift online)
i) Affin
ii) Public Bank
iii) Citibank - contributed by bbgoat

I think HSBC can do online placement too but not sure if can uplift online or not. Confirm by cklimm placement only and cannot uplift.


Contributed by ikanbilis
QUOTE
For HSBC eFD, no need go branch for uplifting. You can do the uplifting through phone banking. Tested it myself yesterday for my pre-mature eFD. Everything is done within minutes for me to giro the money to another bank.


Bank Rakyat introduces Xclusive membership card - New added by okuribito on 20 November

user posted image

Banks that pay interest for non-working days
OCBC
Bank Rakyat
UOB
May Bank (Need to remind May bank staff to add interest)
Affin Bank - updated by cybpscyh on 12 Dec 2014
Alliance Bank
Kuwait Finance House

Banks that do not pay interest for non-working days(after FD maturity date eg Saturday, Sunday & Public Holidays)
Am Bank
RHB
Standard & Chartered Bank

Bank that non-voluntary credit interest unless appeal
Public Bank (Need to complain to BNM then only pay interest)

New IBG Transfer Timing - Updated by gchowyh on 16 December 2014

user posted image

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

user posted image

A simple FD calculator to help you - by Human Nature on 13 January 2015
http://www.miniwebtool.com/fixed-deposit-calculator/

This post has been edited by Ah SiAnG: Aug 6 2016, 08:41 PM
dEviLs
post Jun 1 2016, 05:58 PM

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Congrats on new version rclxms.gif

by the way my earlier post not compiled in your first post

Bank:Hong Leong Bank
Branch/Location: -
Date of Report: 26/05/2016
Effective Interest/Profit Rate:4.3% for 6-month FD
Promo Period (if any): 19 May - 30 Sep 2016
Minimum Placement:10k fresh fund
Other Requirements: - Only for Seniors (Senior Savers Flexi Fixed Deposit Promotion)
Website/T&C (if any): https://www.hlb.com.my/main/assets/files/pr...ings-tnc-en.pdf
matow
post Jun 1 2016, 06:01 PM

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Checking in on Version No.13 rclxms.gif rclxms.gif rclxm9.gif rclxm9.gif Congratulations!!
esy
post Jun 1 2016, 06:44 PM

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... rclxms.gif rclxms.gif rclxms.gif ...
ikanbilis
post Jun 1 2016, 07:13 PM

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Congratulations! Best thread in town.
nexona88
post Jun 1 2016, 08:52 PM

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check in V13 rclxm9.gif Congratulations!!
wil-i-am
post Jun 1 2016, 09:33 PM

10k Club
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Hope m not too late to say Hello
tonytyk
post Jun 1 2016, 09:58 PM

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Congrats
TC-Titan
post Jun 1 2016, 10:28 PM

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Eh, I thought PBB eFD can do upliftment online?
cklimm
post Jun 1 2016, 11:09 PM

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QUOTE(TC-Titan @ Jun 1 2016, 10:28 PM)
Eh, I thought PBB eFD can do upliftment online?
*
What does they want you to do?
kaemon
post Jun 2 2016, 12:13 AM

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gratz on v13, wish all the sifu2 prosperity for the infos and advices all this while
kochin
post Jun 2 2016, 08:20 AM

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looking forward to 5% p.a. within 2016. yippee!!!
HarpArtist
post Jun 2 2016, 08:45 AM

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QUOTE(kochin @ Jun 2 2016, 08:20 AM)
looking forward to 5% p.a. within 2016. yippee!!!
*
dream on brows.gif
bbgoat
post Jun 2 2016, 08:59 AM

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QUOTE(TC-Titan @ Jun 1 2016, 10:28 PM)
Eh, I thought PBB eFD can do upliftment online?
*
6 years ago I did eFD placement with PBB. Still have to collect the FD cert from the branch later. Cannot uplift online, only placement. So is yours placed some time ago ? Recently they seemed to have upgraded their eFD, so not sure for the last 1 year eFD placement. biggrin.gif
TC-Titan
post Jun 2 2016, 09:44 AM

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QUOTE(bbgoat @ Jun 2 2016, 08:59 AM)
6 years ago I did eFD placement with PBB. Still have to collect the FD cert from the branch later. Cannot uplift online, only placement. So is yours placed some time ago ? Recently they seemed to have upgraded their eFD, so not sure for the last 1 year eFD placement.  biggrin.gif
*
Can boss, unless I got the uplift definition wrong haha

QUOTE
PB eFD is open to existing PBe individual customers aged 18 years and above and sole proprietors who has an existing conventional personal Current Account or Savings Account (CASA).
NO FD Receipt will be issued for a PB eFD placement.
Your PB eFD placement will be effective from the date of application.
PB eFD transactions are available between 6 a.m. - 12 midnight
Tenure available : 1 - 24, 36, 48 and 60 months
Minimum Deposit Amount : RM1,000
Interest Payment Mode:
Tenure Interest Payment Mode
1 to 12 months 
Credit into account* monthly; or 
Credit into account* upon maturity; or 
Add on to principal upon maturity 
13 - 24, 36, 48 and 60 months 
Credit into account* monthly
* Conventional personal CASA (Designated CASA) which is the source of fund for the PB eFD placement.

Selection or change of interest payment mode is not applicable for 13 - 24, 36, 48 and 60 months PB eFD as only one option available for the said tenures i.e. credit into account monthly.
PB eFD can be withdrawn on the same day of placement. However, both placement and withdrawal transactions for the particular day will not be reflected in the PB eFD quarterly statement.
In respect of PB eFD tenures of 1, 2 or 3 months, no interest will be paid on PB eFDs withdrawn prior to maturity.
In respect of PB eFD tenures exceeding 3 months, no interest will be paid on PB eFDs uplifted before the completion of 3 months. For PB eFDs uplifted prematurely, after the completion of 3 months, interest will be calculated and paid at half (1/2) of the original contracted rate for each completed month.
If the interest payment mode selected is "credit into account monthly", the interest due for a premature withdrawal transaction may be in a negative (-) amount due to the claw back of the monthly interest that has already been credited into a Current Account or Savings Account. The clawed back interest will be deducted from the principal upon premature withdrawal.
Partial withdrawal for PB eFD is not allowed.



5p3ak
post Jun 2 2016, 09:59 AM

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QUOTE(HarpArtist @ Jun 2 2016, 08:45 AM)
dream on brows.gif
*
ok sad.gif

maybe 5% too much, 4.7% can or not? hmm.gif
bbgoat
post Jun 2 2016, 10:01 AM

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QUOTE(TC-Titan @ Jun 1 2016, 10:28 PM)
Eh, I thought PBB eFD can do upliftment online?
*
QUOTE(TC-Titan @ Jun 2 2016, 09:44 AM)
Can boss, unless I got the uplift definition wrong haha
*
So as I said, PBB has updated their eFD service recently.

If u already know can uplift, why still ask this question ? dry.gif tongue.gif

This post has been edited by bbgoat: Jun 2 2016, 10:02 AM
TC-Titan
post Jun 2 2016, 10:08 AM

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QUOTE(bbgoat @ Jun 2 2016, 10:01 AM)
So as I said, PBB has updated their eFD service recently.

If u already know can uplift, why still ask this question ?  dry.gif  tongue.gif
*
Coz I saw the following at the first post, which I thought wasn't true on the PBB eFD. So must ask to see if my understanding is wrong versus the sifus here lo. wink.gif

QUOTE

Banks that offer true eFD (can do placement & uplift online)
i) AmBank
ii) AmBank Islamic - Minimum Fund for 1 month = RM1,000, Rate: 3.15%p.a.
iii) RHB
iv) Maybank
v) CIMB
vi) Alliance Bank
vii) Hong Leong
viii) UOB
ix) OCBC

Banks that offer online FD placement (cannot uplift online)
i) Affin
ii) Public Bank
iii) Citibank - contributed by bbgoat



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