See if I can weasle a 4.2.  Last year one of the mbb girls offered me 4.5 eventho it was stated 4.2 last year

Is the hlb e-fd 3.95% 12 month ,good and trustable ? Did anyone just placed it ?

Juz placed my 1st fd in hlb..3.95% only...now not a good time to place fd..looking for 2nd bank currently..btw, hlb staff recommended some sort of insurance and savings with interest 5-8%...beneficial eh?

Yes, do spread the risk by spreading in few accounts & placements..
If possible, in multi type asset class too

Try bangkok bank 4.1% pa

Y u placed with HL as Maybank GIA-i offer 3.58% with flexibility to withdraw anytime?

Seems like very grateful to see "4" at this moment.
Except RHB offering 4%, Affin is 4.05%, Bangkok Bank is 4.1% 

During my last visit to Affin, staff informed that the 4.05 is very popular, quota may finish soon

I find it hassle need to do FPX for the online placement.

Last year at that time, liquidity was tighter hence banks need to offer better FD rate to attract deposit.

Since after that BNM lowering down the SRR frm 4% to 3.5%, whereby banks have extra a few ten of billion, promo deposit rate start to trend down, couple with July OPR cut of 0.25%, which sent promo FD rate now to below 4%.

Banks won't "suddenly" reduce rate one simply, they have their own reason.

Economy data, financial data (loan growth rate, LDR etc ) BNM policy are providing indicator how FD rate is heading.

Maybank GIA @ 3.60%, effective from 16 September 2016 to 15 October 2016

Anyone received call from Maybank regarding a cashback campaign for saving account? They told me i will get rm50 cashback if i save rm3000 for 6 months..

the new klibor cimb fund.
sold out dy. only rm40mil allocation.

Klibor structured investment, is a structured product.
It is not a FD.

Klibor = Kuala Lumpur Interbank rate.

It is the interest rate for interbank borrowing, which fluctuate based on market liquidity and BNM's OPR.

If the Klibor is behaving within the structured product "prediction" (as in the clause of the structured product), you get paid that interest rate or return as the structured stated.
While if Klibor is behaving out of range, you may get zero interest, but you will get back the capital (capital guaranteed generally) when it matured (if it is 5 years, then you need to wait for 5 years, but you may get zero interest for 5 years if the Klibor move out of range.

Please be reminded, it is not a FD, so if interested further can open up a new specific topic talk on Klibor structured investment, so that we don't deviate from this FD topic.

I am planning to put in now and uplift in the next few days just to experiment. Most likely will still be 3.6% but if maintained up to 12 months , then of course will be 4.1%.

normal e-GIA, you will still entitled to the interest pro-rated when you uplift prematurely

Not sure about the promo type, I do not have the amount to test

Awaiting ppl to confirm

And note that eGIA is not under PIDM protection (so capital not guarantee), so it is not really comparable to FD

I have place fd with UOB today at 4% for 12m. Alliance also have 4% for 12m with min placement of 50k