as expected.. and by that time many will withdraw their fd

aud or amanah or ut for certain ppl

Under Mbb merdeka promotion.
*Should there be any Overnight Policy Rate (OPR) change, the offer rates may be revised.

What is the meaning ?
They able to change the currently rates if we already placed an account?
or the rates on board ?

Bangkok bank 4.1% still the highest for straight forward 12m FD, but not many ppl seems interested. Is it due to far distance or long waiting time to process ?

Take how many hours ?

have any promotion for BR?1 yr only 3.7%....faint

Anyway, I think good to spread out FD to 5 yrs, 3, 2 and 1 yrs tenure. 

Already have spread out to 1,2,3 yrs tenure. 5 yrs one just one FD, need to allocate more. Kind of late now. 

Hahaha, your post and my edited post clash with each other. 

From what i read and gather, look like 3.95% and 4.05% per year are the most attractive FD interest rate  ..... so the winners go to
HL Bank and Affin Bank...... any objections......
question should we banks that has very less branches or no PIDM .....

at last a decent efd
3.95%p.a by HLB
https://www.hlb.com.my/main/promotion/20160...e-fixed-deposit

that's the purpose of marketing materials in any product.
anyway, just ask them the average rate of the package "Kadar Purata" will do. instead of manipulating the "rollover" terminology.

at the end, it is just a FD.

I was too positive early of the year, and waited for fd 5%. Now I feel the pain😥😥😥

4.5% pun x jumpa  

Bank Rakyat not protected by PIDM and now negative publicity

Is that why they offer such high interest rates?

Would they have problems with the current bad publicity?

Ya, I have ignored on PIDM. Except trying not to put too much eggs in one basket. 

Hard to say. Depends on individual and the conditions. But definitely not all eggs in one basket. 

so what is your portfolio like? may i know.... how many % in equity, FD, property, PNB funds....