I am with you on this ! Where possible, I always ask for monthly interest.

If can move out the 2.5k in CASA immediately (say days later), then the 4.15% FD is a good deal. Then the return is much better than UOB's 3.95%.

But is there a tie up of the 2.5k with the FD tenure ?

Today checked HL interest for step-up FD (placed Oct 1 2015) with second step-up of 4.3%. No change in the step-up rate. Another 2 mths for the 4.3% then 4.7% for last 3 mths !

This post has been edited by bbgoat: Aug 3 2016, 12:47 PM

Their branches also limited. For Penang, only 1 branch in the mainland side, not a single one on the island.

Even Johor has 2 branches, Penang only one.

In fact, never heard of them until read from here.

This post has been edited by bbgoat: Aug 3 2016, 05:22 PM

Hahaha, it did not have branch in Penang island. Seldom go over to the mainland side.

Most promotion need OTC. Can use bankers cheque, OTC ibg/Rentas. Online transfer also can but some banks have its own rules.

Some of the people here dare to carry 100k cash. But it does depends on people.

This post has been edited by bbgoat: Aug 4 2016, 09:57 AM

Yes, boss ?

Did not receive any call from CIMB. Checked CIMB online just now and still showed the Klibor investment.

Since Jan 2012 placement, have been getting the 5.2% every 3 months. But was worried that may get zero later.

So, effective date of the cancellation ? You have moved it out for 4% FD, in CIMB ?

Mine start Jan 3 2012, end Jan 3 2022, 10 years !

But they recalled an earlier one that pay out higher, I think about 5.6%. But regret that I signed up this 10 year one.

Anyway will be glad that they pull out this one. I think last time they sent out a letter about the recall.

Putting it in FD of <4% is no issue for me. Except if they have recalled it earlier, then can get the 4.5% FD ...................

This post has been edited by bbgoat: Aug 5 2016, 08:47 PM

Anyway, thanks for the heads up.

Please Google the Klibor and u can find more details. It is NOT FD.

This post has been edited by bbgoat: Aug 5 2016, 10:30 PM

Our Captain Gen-X in May said he stopped blogging. Just found out he re-started again in his Facebook page.

Most important of all is the FD update. Please see below link, last update yesterday:

https://genxgenygenz.com/fixed-deposit/

Please la, come back here and post for all ! Kind of miss his long articles ...................

This post has been edited by bbgoat: Aug 6 2016, 08:33 AM

For my previous MBB GIA-i which has 12 mth eff rate of 4.5%, today's interest crediting is about 3.85% only !

It was supposed to be 4.5% but as most of u know, I am getting 4% due to MBB's error. Now the 4% is not there !

That shows GIA-i profit not guaranteed and can be adjusted before maturity.

There goes the average of 4.5% yearly interest !

Can those with that promo please confirm their monthly interest ?

Add: For those that read this at later time. It looks like it is due to the recent change of 3.75% for GIA-i interest. Read more posts below.

This post has been edited by bbgoat: Aug 6 2016, 04:22 PM

OK, thanks for the replies !

Oh, thanks ! It is a consolation that the 4.5% is still safe !

OK, as u all probably know, my GIA-i interest is screwed up. Now thinking back, it could go along with the 3.75% payout change recently (for current GIA-i since Jan 2016). So it becomes between the 4% and 3.75% depending on when the change happens.

So will have to wait for the manual adjustment by MBB branch, which can be over next one week or so.

This post has been edited by bbgoat: Aug 6 2016, 04:12 PM

After my complain to MBB branch, they will do the manual adjustment for me days later (after the 5th of the month). They have been doing this for last 3 months. So this month will wait for next few days.

I was getting a shock when I checked this afternoon. But after the replies realized that likely to be related to the recent change to 3.75%. My GIA-i in Oct 2015 has been taged to normal GIA-i !

Will let u guys know after the manual adjustment by MBB's staff.

This post has been edited by bbgoat: Aug 6 2016, 04:26 PM

Likely to be their new board rate for 5 yrs:

http://www.bankrakyat.com.my/term-deposit-i-account

New 1 yr board rate is kind of low now at 3.7% vs 4.1% just weeks ago.

This post has been edited by bbgoat: Aug 6 2016, 09:18 PM

Affin 15 mth, 4.05%. See package 1:

Ya, package 1 is straight FD. 15 mth 4.05% is a good deal to me vs the 3.95% 12 mth by other banks. Considering BNM may reduce rate again later in the year.

This post has been edited by bbgoat: Aug 7 2016, 08:45 AM

No bullet. Wait for the USD plan as u know it. FD action after that.

But the 4.05% looks like the best deal for now.

Not here. Discussed in another thread. Not related to FD.

The below blog was by one of the forummer here, Nom-el. He just updated it today on FD promo's:

http://ringgitstretch.blogspot.my/

This post has been edited by bbgoat: Aug 8 2016, 09:42 PM

BR 4.3% for 5 yrs. Can nego if >50k.