Guys, for the BR 4.38% FD placement, need to open saving account with ATM card?
Fixed Deposit Rates In Malaysia V. No.13, Strictly for FD Discussion Only
|
|
 Jul 27 2016, 08:30 AM
Return to original view | Post
#1
|
 
Junior Member
145 posts Joined: Dec 2013  
|
|
Quote|
|
|
|
|
Jul 27 2016, 08:41 AM
Return to original view | Post
#2
|
|
Junior Member
145 posts Joined: Dec 2013
|
QUOTE(bbgoat @ Jul 27 2016, 08:33 AM) U can opt not to open SA. Get the interest only on maturity add to principal amt. Thanks for the info!    Prefer no SA/ATM, save rm8.. hahaha.. |
|
|
Jul 27 2016, 05:36 PM
Return to original view | Post
#3
|
|
Junior Member
145 posts Joined: Dec 2013
|
Opened my first FD with BR today and received 1 gift pen too. First time receiving gift from FD placement
 By the way, I saw BR board rate for 12 months FD at 4.1%. Which is surprisingly high compared to other banks. Of course, this one no PIDM lah.. |
|
|
Jul 27 2016, 07:46 PM
Return to original view | Post
#4
|
|
Junior Member
145 posts Joined: Dec 2013
|
QUOTE(wil-i-am @ Jul 27 2016, 06:44 PM) PIDM is irrelevant as it serve as mental comfort Yea. But there are some ppl worry about it..haha..First time at BR, I find their service pretty fast |
|
|
Jul 27 2016, 07:52 PM
Return to original view | Post
#5
|
|
Junior Member
145 posts Joined: Dec 2013
|
QUOTE(bbgoat @ Jul 27 2016, 08:32 AM)  Fast fast go leh, before the 4.38% goes away .......................  I am referring to the current GIA-i of 3.75% interest. The previous eff rate 4.5% one, yet to see. Have to see the Aug mth payout, any change.  |
|
|
Jul 28 2016, 10:40 PM
Return to original view | Post
#6
|
|
Junior Member
145 posts Joined: Dec 2013
|
QUOTE(wil-i-am @ Jul 28 2016, 09:46 PM) Perhaps u can snap a photo n whatsapp me When i placed mine yesterday at BR, I was also given the options of monthly credit or credit during maturity. I chose to receive the interest upon maturity because dont want to open SA. |
|
|
|
|
|
Jul 29 2016, 04:52 PM
Return to original view | Post
#7
|
|
Junior Member
145 posts Joined: Dec 2013
|
QUOTE(guy3288 @ Jul 29 2016, 02:21 PM) In a forumn like this where people are reacting to a slight drop in FD rate If I am getting RM200k annual interest, i will definitely opt for monthly interest credit. Unfortunately I dont have RM4.5mil to put at BR. Haha..and scurrying to get that few decimal % extra, i am surprised you guys ignore the power of compounding effect not to mention loss of opportunity etc happily leaving the interest to maturity......... Banks would be most happy to have more of you. Say the annual interest is RM200k, monthly is RM16+k and you leave that to the banks to enjoy for 6 - 12 months......Now imagine banks have millions of that............sikit sikit can add up to alot. Also no BR branch that is convenient for me. The nearest branch that I put I need to drive over plus parking over there is a problem too. Seldom deal with BR, so I see no point of having SA with them too. Guess its depend on individual needs lah |
|
|
Jul 29 2016, 04:58 PM
Return to original view | Post
#8
|
|
Junior Member
145 posts Joined: Dec 2013
|
QUOTE(killallmods @ Jul 29 2016, 04:37 PM) I'm fully aware that current rate is 3.75. if i select 12 months does this mean i have locked in the current rate? or is there possibility for the rates to reduce and affect me personally? You will not be able to lock in the 3.75% rate with the GIA FD. If OPR revised, the rate will be affected because the interest is calculated on daily basis and you can withdrawl let say 3 months after your 12 month GIA FD placement and Maybank still pay you full interest for the 3 months.For my case, the unchanged 4.5% interest I am getting is from the GIA promo that I put last time. So far they still honor the step up rate as per promo. |
|
|
Jul 29 2016, 10:04 PM
Return to original view | Post
#9
|
|
Junior Member
145 posts Joined: Dec 2013
|
QUOTE(Ramjade @ Jul 29 2016, 05:04 PM) How about eGIA-i? Eg put for 12months, first 3 months at 3.75%. If 4th month onwards drop, so how? 4-12 months at lower rate? Yeap.. at least from my calculation. Parked some over there early july and uplifted end of july. |
|
|
Aug 8 2016, 06:11 PM
Return to original view | Post
#10
|
|
Junior Member
145 posts Joined: Dec 2013
|
|
|
|
Aug 9 2016, 10:09 AM
Return to original view | Post
#11
|
|
Junior Member
145 posts Joined: Dec 2013
|
QUOTE(David3700 @ Aug 8 2016, 06:45 PM) To RHB : 3.9% not so solid la.....haha Yea, RHB FD has not been competitive recently. Always lower than other banks. All my FD with them "run away" already. hahaha.. |
|
Topic ClosedOptions
|
| Change to: |  0.0888sec
 0.65
 7 queries
 GZIP Disabled
Time is now: 16th December 2025 - 04:39 PM |
All Rights Reserved © 2002- 2025 Vijandren Ramadass (~unite against racism~)
Powered by Invision Power Board © 2025 IPS, Inc.