To be fair,
considered that 1 year other bank promo at 3.95%, while this 6 months 3.88% and interest credited monthly, seems reasonable enough offering.

Mbb - 3.65% / 3 month / min 25k for non fresh fund
3.75% / 3 month / min 25k for fresh fund

Hlb - 3.75% / min 10k / fresh fund, and forget to ask tenure haha

move to other quadrant instead fd.

Malaysia's economy grows 4.0 pct on-year in Q2 as slowdown drags on (slowest pace in nearly seven years)
http://www.cnbc.com/2016/08/12/malaysias-e...n-drags-on.html

another OPR cut coming soon

Which is where? Need advise as I am stuck as well.

Hlb - 3.8% min 10k with fresh fund 6mths counter told

Anyone saw their actual flyers given..?

Told by counter staff at HL 6 mth 3.8%, 12 mth 3.95% both at 10k fresh funds minimum effective 5-8-2016 until further notice. No flyer yet on last Friday when do survey.

This post has been edited by Deal Hunter: Aug 12 2016, 05:40 PM

I do not agree that Public Bank's FD rate is not competitive. In fact, it is offering above average rate for its board rate. Its FD board rate is higher than Maybank, CIMB & the foreign banks.

Check out the link below for the comparison.
Latest FD Board Rates

If I am not mistaken, the latest promotion from Public Bank at 3.88% p.a. is the highest at the moment for 6-months FD (excluding those special deals for Premier customers).

The savings account interest rate on the on the other hand is pathetic. Although the previous promotion for its savings account was very good (5% bonus one) which is better than many short-term FD promos.

I am talking about previous track record of Pubic Bank. For now, Both affin bank, rhb, bangkok bank wins over Public bank.

hate these type of misleading ads..

anyway, dividen yields are more attractive than FD now.

yae, they offer peanut, its an insult to our financial intelliigence.

am bank fd promo 19 July 2016 until 31 August 2016 (
Offer 1 - “Fixed Deposit / Term Deposit (FD/TD) Promotion 3 months @ 3.60%p.a.”
T&C http://www.ambank.com.my/ambank/SiteAssets...on3m3.60TnC.pdf


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U refer to dividend stock or Reits?

Damn it the unit trust thing. Many old people don't know shit about UT but the bank try to persuade them to buy by 8.18 word.

Which is absolutely unethic. Partial information that lead to loses sometimes.... Not only ambank I think. Others banks doing the same.

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

The best one now is still a mere 4% 12months?

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

No comment on ethical.

if everyone knows how to earn
- from business then no one will be in equities
- from equities then no one will be in UT
- etc...

Matter of financial education in each individual.

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.