Public Bank will be launching their FD Promotion tomorrow （12/08/2016）but rate unknown till tomorrow.

Let's see whether they are offering better rate than Affin & Bangkok Bank, if not, I shall lock for 15 mths with Affin.

they have to retain their losing capital after opc cut.

before opr cut, better offers were promoted by other banks. i believe that more or less the Cash were moved out from pbb. banks always need more cash (capital) to maintain their current status and many other usages. fd is just a part of programme to accumulate / to retent their cash.

BR is not covered by PIDM

Today terminated 6 of MBB GIA-i acct and moved out the eggs. The GIA-i paid interest 3.75% other than those earlier than July 15th (or so, not exactly sure of the date), getting 4%. The MBB GIA-i is really good for temporary funds, received RM300 from this one in <1 month. 

Used RENTAS. MBB must have the most expensive RENTAS now as it cost me RM9.54.  Most banks is about RM5.30.
Anyway received in CB just minutes later ! When I step out from MBB received SMS notification from CB that funds deposited into my account ! FAST ! 

for 30k, do you think i should go for current best Affin 15mths (4.05%),  Bangkok 12mths (4.1%) or wait a bit for the merdeka promo if there is any.

For Rm30k? Need to go through so much trouble?

Affin would be the better choice....more branches for your convenience.

Do you mean by the "Inefficiency"?

which affin provide drinks lo~~ada sate??  

i wanna go camp there

hate these type of misleading ads..

anyway, dividen yields are more attractive than FD now.

Now FD rates are so horrible. Dumping into housing loans instead. 

Well, i will choose bond funds in those case, bond fares better than equities nowadays

Still remember those days in 2009-10? Even 3% promo was celebrated like god sent.
To my portfolio, yes

so many people sulk on fd interest rate. pampered by 4.5% rate.

back in oct 2014, after opr increase, fd promo 3.87% to 4%. now the 3.95% and 4.05% by affin still not bad.

wait until another reduction of opr, that will be bad.

Yes. But you only earn half the promised interest. Eg you are suppose to get 4.5%, but because you uplift even a day earlier, you only get 2.25%

Just placed CIMB FD 12 months 3.9%

Anymore good deals better the following ?
Merdeka is round the corner already....

OCBC/UOB/HLB : 3.95 %
Affin : 4.05/4.15/4.25 %
Bangkok Bank : 4.1 %

Maybank GIA is now 3.58%.

FD just matured today!

Should I go for Affin Bank's 4.25% or wait for Merdeka promo?