I wud opined 4% for 12 mths FD is competitive right now

I mentioned before I would be happy with 4% FD promo, even will settle for 3.95%. Though I miss the days of 4.5/4.6% FD promo. 

From what I understand, if the amount is BIG, they are willing to give special rates, probably an addition 0.05-0.1%

Good question!!! Here's my take.

It is quite possible that both Mamamia and his friend, and Starry got what the program credits them. How can?  

I put it to you that Starry got 3.6% because the program was not yet updated to 3.55% on 20 November.  

However Mamamia and his friend were too late in the month on 25 November. By that time the server had been updated to 3.55% backdated effective 15 November.  

Of course, I do not expect Maybank to go back and cut what was already creditted and shown in Starry CASA account on 20 November.

So here is another case of good days and bad days for placing FD to consider depending whether trend is up or down!!!  

From what I understand, if the amount is BIG, they are willing to give special rates, probably an addition 0.05-0.1%

As what Cookie mentioned. But I'm assuming you're doing it off the counter. GIRO/IBG/IBFT/RENTAS (all within 1 business working day process).
I did rentas for about 5.30 plus 6% i think, can't recall. nominal amount. But if you're doing all online, just instant transfer it, and done.  lol
Bankers cheque also should be 5-6 bucks too.. but it takes like 2 days float to clear... or take out cash lol

The transaction time is 6am to 12 noon. Next Tuesday is the last Tuesday offer on 4.15%  unless HL bank extends it. Another alternative is through Maxis One Club 4.2%. Limit rm50k per person

Called MBSB Damansara.

9 mths - 4%  (min 30k)
12 mths - 4.05% (min 30k)
12 mths - 4.10% (min 100k)

Called MBSB Damansara.

9 mths - 4%  (min 30k)
12 mths - 4.05% (min 30k)
12 mths - 4.10% (min 100k)

Called MBSB Damansara.

9 mths - 4%  (min 30k)
12 mths - 4.05% (min 30k)
12 mths - 4.10% (min 100k)

As mentioned by another forumer and myself, can check via M2U:

Account & Banking > Fixed Deposits & Mudarabah IA > View my accounts > General Investment Account-i (GIA-i) > check the cert with 12 months, it will show the % with exclamation mark

What I can see only this for all of the certs > Rate as declared on maturity date

What I can see only this for all of the certs > Rate as declared on maturity date

mine also showing same as yours "Rate as declared on maturity date"

duno what to place , any new promo out yet?
wait n wait
4.5% ada?

duno what to place , any new promo out yet?
wait n wait
4.5% ada?