Anybody heard of OCBC 360 account..
Offering 4.1% interest for SAVINGS account, provided you do the following 3 tasks:

1. Deposit - Deposit at least RM500 per month [1.2%]
2. Pay - Use OCBC internet banking to pay 3 bills per month (can also use to pay OCBC CC) [1.2%]
3. Spend - Use OCBC Credit Card, and spend RM500 per month [1.2%]
4. Normal balance in savings account [0.5%]

Very achievable all these tasks... And the most attractive feature in this OCBC 360 account, they can arrange the OCBC staffs to come to you to set up the account (office or home). They will bring along the thumb print machine to meet you...

Also, to complete the account set up, you can transfer online the minimum money into the savings account, to complete set up the account. So do not need to worry anyone can con your money..

Is there any reason u must combine?

Nothing. Just curious that if it's possible to combine.

Most analysts see another OPR cut in November
http://www.nst.com.my/news/2016/09/171396/...pr-cut-november

Need to review existing portfolios n lock-in gud rates prior to Nov

If banks start cutting promo rates in September how before your FD matured, what are you going ro do?

Banks dun simply rock the boat

If banks start cutting promo rates in September how before your FD matured, what are you going ro do?

Eh, last year banks which offer 4.5% suddenly reduce from 4.5%. No warning.  When they did that, other banks also start cutting down their promo rates.

Generally Banks will increase/decrease int rate in response to events (in tis case OPR up/down)

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Funds that are transferred or withdrawn from any existing Maybank Current or Savings or Fixed Deposit account and re-deposited (whether part or all of the amounts withdrawn) into the Fixed Deposit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



RATES FOR NON-FRESH FUNDS



*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:



*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)

just a quick update.

MBB, 9months 3.88% min 10k fresh fund

They will credit both principal plus int into CASA

Cimb 3 month 3.9%
For preferred 4.0% for 3 month

Eh, last year banks which offer 4.5% suddenly reduce from 4.5%. No warning.  When they did that, other banks also start cutting down their promo rates.

so that means only after 15 months. 
my Public bank FD credit interest every 6 month

Latest fd promotion from cimb ?