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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

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

3 months - 3.60% p.a.

Terms & Conditions

user posted image

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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

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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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Joined: Mar 2009

*
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
TSAh SiAnG
post Jul 2 2016, 05:21 PM

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Deal Hunter This thread discuss about Fixed Deposit Rates and not fiction nor imaginary stories of yours.

Unless you have FACTS to contribute, stop posting such stories of yours. This thread is not your blog.

Thank you.
TSAh SiAnG
post Jul 3 2016, 09:49 AM

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QUOTE(cherroy @ Jun 25 2016, 10:17 PM)
Please post at economy thread if wish to discuss more about macro economy issues.

This is pure FD, FD interest rate thread.

Ty.
*
Deal Hunter For Interbank Giro(IBG) & Interbank Fund Tranfer(IBFT) discussion, please proceed to this thread https://forum.lowyat.net/topic/1985221 and not here.

This thread is strictly for Fixed Deposit Rates discussion. Thank you.

This post has been edited by Ah SiAnG: Jul 3 2016, 10:05 AM
TSAh SiAnG
post Jul 6 2016, 04:31 PM

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» Click to show Spoiler - click again to hide... «


In future please use multi-quote for 2 or more posts at one go, to avoid from being considered spamming.

Please read this Forum's FAQ and adhere to it --> https://forum.lowyat.net/index.php?act=faq&article=10
TSAh SiAnG
post Aug 1 2016, 07:27 PM

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TOMEI-R In future please use multi-quote for 2 or more posts at one go, to avoid from being considered spamming.

Please read this Forum's FAQ and adhere to it --> https://forum.lowyat.net/index.php?act=faq&article=10
TSAh SiAnG
post Aug 6 2016, 02:43 PM

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QUOTE(bbgoat @ Aug 6 2016, 01:24 PM)
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 !  doh.gif

Can those with that promo please confirm their monthly interest ? hmm.gif
*
I got 4.5%p.a. this month as well thumbsup.gif
TSAh SiAnG
post Aug 6 2016, 04:20 PM

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QUOTE(cklimm @ Aug 6 2016, 03:18 PM)
seems like my Maybank step up FDs are safe  thumbup.gif
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QUOTE(bbgoat @ Aug 6 2016, 04:11 PM)
OK, thanks for the replies !  notworthy.gif

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

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.  biggrin.gif
*
Yes, I am glad that they honored their rate despite the drop in OPR rclxms.gif

Please confirm if you are able to do the manual adjustment biggrin.gif
TSAh SiAnG
post Aug 20 2016, 07:53 PM

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Thread closed.

Please proceed to Fixed Deposit Rates In Malaysia V. No.14 thumbup.gif thumbup.gif

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