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 Fixed Deposit Rates In Malaysia V. No.14, Strictly for FD Discussion Only

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faradie
post Dec 5 2016, 10:45 PM

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I understand that AMB, after some absence, is in with a short promo starting today for next 5 days. It's 3.8% for 7 months and 4% for 21 months but min. deposit is $100,000. I did not check personally but heard from somone so do check direct if interested
faradie
post Dec 6 2016, 06:32 AM

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QUOTE(eelynsoon @ Dec 6 2016, 02:16 AM)
I dont think so. I just went over to hlb today and asked about this promo the customer service told me it is no longer available. The current promo is 3.8% ..
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Just completed transaction today
faradie
post Dec 7 2016, 06:24 PM

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QUOTE(cocolala @ Dec 7 2016, 12:48 PM)
Not sure whether anyone update this before:
Ocbc 3.95% 13 months RM10k fresh fund until 12/12/16
Existing FD matured during this period will auto renew to this rate only for premier customer.
Existing FD matured after this period can top up RM10k if there's any new promo rate.
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The 3.95% promo will end this Friday 9 Dec 2016
faradie
post Dec 16 2016, 03:44 PM

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QUOTE(kinwawa @ Dec 16 2016, 10:35 AM)
Maybank GIA still full? Anybody managed to get promo rate lately?
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According to their terms and conditions PDF file, the GIA for 12 and 6 mths is valid till 15 Feb 2017. I did my GIA placement online a few days ago.
faradie
post Dec 16 2016, 04:06 PM

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QUOTE(stup1degg @ Dec 16 2016, 03:55 PM)
i just make placement for GIA 12 and GIA 6 yesterday, but it dint show the special rate. how you?

i see other ppl placement will show the campaign, but mine one don have

MINE
[attachmentid=8265423]

ACTUALLY WILL LIKE THIS
[attachmentid=8265431]
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My placement also did not show the rate as per your attachment. Better to check with the bank then. Can you also do so and confirm if the rate is ok? I shall revert asap aw well
faradie
post Dec 16 2016, 04:24 PM

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QUOTE(faradie @ Dec 16 2016, 04:06 PM)
My placement also did not show the rate as per your attachment. Better to check with the bank then. Can you also do so and confirm if the rate is ok? I shall revert asap aw well
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I understand fm MBB that this promo cannot be done online but only OTC so I hv uplifted it and hope to be able to place it next week.

faradie
post Dec 16 2016, 06:58 PM

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QUOTE(gchowyh @ Dec 16 2016, 06:23 PM)
If you place online, you must be able to see the exclamation mark in the details of your placement which when you mouseover you can see the stepup rates. If you don't see it means you will get just normal rates

What I read earlier in this forum is quota has finished for this month so have to wait for 1 January for new quota.
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Thank you. Tat's why this forum is more reliable than the bank itself as we are forced to learn through trial and error. This bank reflects our country's work culture.

faradie
post Dec 16 2016, 10:09 PM

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QUOTE(ManutdGiggs @ Dec 16 2016, 09:48 PM)
Haiz kinda true hor. So far I haven't met a truly gd RM. Can't deny the fact there r few gd RMs along the way but just not up to expectation.

9/10 r just cow dung-ing all the way. When I dun buy their products (which I hav actually haven't bot any b4) they ll start to ignore me.

Anw back to fd. Uob and ocbc oso lower their interest hor. But so far no news bout opr goin down hor. Haiz haiz haiz.
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I know OCBC is now 3.85% but what did UOB quote pls?
faradie
post Dec 16 2016, 10:15 PM

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QUOTE(tonytyk @ Dec 16 2016, 09:34 PM)
What is the normal rate? Is it 3.6%, which is the same rate for GIA for the 1st few months. If one intend to place for few months, any difference in rates?
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Not 100% certain but the GIA rate before the end of the present promo was 3.55% for 12 mths. No info for rate for 6 mths
faradie
post Dec 18 2016, 05:33 PM

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QUOTE(chidori @ Dec 18 2016, 05:15 PM)
Waiting for updates from you guys : )
I placed the GIA online but also dont have the exclamation mark.

By the way, is the interest calculated daily or monthly?
Mine was placed for 12 months, just wondering I should uplift it next month since it's already 2 weeks now.
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I was advised by MB that what you have is at the original GIA which is 3.55% for 12 mths. The promo for 4.1% can only be done OTC. You can uplift it online if u r not happy with the rate and the bank will pay you some interest for the short period that u hv placed. The interest is calculated daily so you don't hv to wait for the period to be 1 month.
faradie
post Dec 21 2016, 12:48 PM

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QUOTE(Nom-el @ Dec 21 2016, 12:25 PM)
OCBC 12 months - 4%
Monthly interest
Min 10k fresh fund
Valid until 31/12/2016

Source
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See I have to check with my RM from OCBC. Since I get news faster here than from my RM, I wonder why the bank employs her for as she is obviously not looking after me!

This post has been edited by faradie: Dec 21 2016, 12:48 PM
faradie
post Dec 21 2016, 02:21 PM

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QUOTE(LostAndFound @ Dec 21 2016, 01:35 PM)
RM isn't updated on FD at all, because bank doesn't earn as much from those products. I'm sure your RM will be best updated on those products which profit the bank. RM is employed by bank not by you =)
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Therefore since RM treats customers as less important than the bank they work for why do banks employ RMs for premier customers?

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