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> Fixed Deposit Rates In Malaysia V. No.15, Strictly for FD Discussion Only

Ah SiAnG
post Dec 21 2016, 09:38 PM, updated 2 months ago

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Previous Thread

Original FD Thread
Fixed Deposit Rates in Malaysia v2
Fixed Deposit Rates in Malaysia v3
Fixed Deposit Rates in Malaysia v4
Fixed Deposit Rates in Malaysia v5
Fixed Deposit Rates in Malaysia v6.1
Fixed Deposit Rates in Malaysia v7
Fixed Deposit Rates in Malaysia v8
Fixed Deposit Rates in Malaysia v9
Fixed Deposit Rates in Malaysia v10
Fixed Deposit Rates in Malaysia v11
Fixed Deposit Rates in Malaysia v12
Fixed Deposit Rates in Malaysia v13
Fixed Deposit Rates in Malaysia v14

Notice / Disclaimer:-
Call & Visit the respective banks for confirmation & latest promotion.
We are not liable to any misinformation which might cause any financial or opportunity loss (which include FD rates & any others information).

Malaysia Major Commercial Banks and Foreign Banks Fixed Deposit / Time Deposit Rates as at 3 March 2018.

Bank 1 month 3 months 6 months 12 months Remarks
Affin Bank 3.25% 3.30% 3.40 4.05%
Alliance Bank 3.20% 3.25% 3.30% 3.35% FD Gold 12 months 3.45% (Interest paid monthly)
AmBank 3.15% 3.20% 3.30% 3.35%
Citibank 2.90% 2.90% 2.95% 2.95%
CIMB Bank 3.20% 3.25% 3.30% 3.35%
Hong Leong Bank 3.05% 3.10% 3.15% 3.15%
HSBC Bank 2.85% 3.00% 3.00% 3.15%
Maybank 3.15% 3.20% 3.30% 3.35%
OCBC Bank 2.90% 3.00% 3.15% 3.25%
RHB Bank 3.20% 3.25% 3.30% 3.35%
Public Bank 3.20% 3.25% 3.30% 3.35% PB Golden 50 Plus 12 months 3.45%
Standard Chartered Bank 2.90% 3.05% 3.15% 3.25%
UOB Bank 2.95% 3.05% 3.15% 3.25%


Fixed / Time Deposit and Savings Account Promotions 2019.
Please call the nearest bank to reconfirm the rates (go to the bank website for bank contact number where you can also get the contact number of the branch nearest to you) before going to the bank to check if promotions are still valid.

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Alliance Bank. Minimum Fresh Fund RM30K

Terms & Conditions

user posted image
user posted image
user posted image

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Bangkok Bank. Minimum Fresh Fund RM5K. Valid until 12 February 2019

3 months - 3.85% p.a.
6 months - 3.90% p.a.
9 months - 3.90% p.a.
12 months - 4.20% p.a.


user posted image

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Hong Leong Bank Berhad’s FD Promotion (For Astro subscribers only). Minimum Fresh Fund RM10K. Valid until 28 February 2019

Terms and Conditions

user posted image

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Hong Leong Bank Berhad’s CNY FD Promotion. Minimum Fresh Fund RM10K. Valid until 28 February 2019

eFixed Deposit/-i Terms & Conditions | Fixed Deposit Terms & Conditions | Fixed Deposit/-i Terms & Conditions

user posted image

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RHB Islamic 5 Months CMD-i Promotion 2019. Minimum Fresh Fund RM10K. Valid until 28 February 2019

CMD‑i TenurePromotional Rate
5 months4.25% p.a

Terms And Conditions

user posted image

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3 Months e-CMD-i Promotion 2019. Minimum Fresh Fund RM5K. Valid until 31 March 2019

3 months - 4.00% p.a.

Terms And Conditions

Attached Image

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OCBC Fixed Deposit Deals. Minimum Fresh Fund RM10K. Valid until 19 February 2019

12 months - 4.15% p.a.

Terms & Conditions (OCBC Fixed Deposit Deal) | Terms & Conditions (OCBC Al-Amin Fixed Deposit Deal) | Terms & Conditions (OCBC Fixed Deposit Deal with Mi FD/Mi FD-i) | Terms & Conditions (OCBC Fixed Deposit Deal with Mi FD-i)

This post has been edited by Ah SiAnG: Jan 29 2019, 10:10 PM
Ah SiAnG
post Dec 21 2016, 09:39 PM

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Report from Members:-

QUOTE(cybpsych @ Jan 1 2019, 11:28 AM)
user posted image

AFFIN BANK: Chinese New Year (CNY) Triple Prosperity Campaign 2019
Campaign Period : 1 January – 31 May 2019

May the new spring brings you Triple Prosperity of up to 4.55% p.a. with “Prosperous Angpow Packet” Giveaways and “Prosperous Umbrella” gift.

http://www.affinonline.com/AFFINONLINE/med...019_TnC_ENG.pdf
read the t&c thoroughly...
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QUOTE(cybpsych @ Jan 22 2019, 09:50 PM)
QUOTE(Wong Kit yew @ Jan 23 2019, 09:20 PM)
Chinese New Year Eve Fixed Deposit Promo
Only on 4 February 2019 With minimum deposit placement of RM1,000.
Valid for one day, 4th February 2019.
2 months   3.98%

https://www.ocbc.com.my/personal-banking/ac...9waAo-GEALw_wcB
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QUOTE(Wong Kit yew @ Jan 22 2019, 02:55 PM)
user posted image
Bank of China, Bukit Indah, JB.
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QUOTE(WinterDays @ Jan 18 2019, 04:34 PM)
QUOTE(Wong Kit yew @ Jan 12 2019, 09:42 PM)
QUOTE(Wong Kit yew @ Jan 9 2019, 08:51 AM)
user posted image
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QUOTE(Wong Kit yew @ Jan 9 2019, 09:37 AM)
user posted image
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QUOTE(cybpsych @ Jan 8 2019, 07:43 AM)
user posted image

Chinese New Year Campaign "Double Happiness" [ Maybank ]
Campaign Period: 2 January – 28 February 2019

Movement and form come together, turning inspiration to reality on the canvas of life. With Maybank at your side, enjoy harmonious pairings that usher in good fortune.

Customer Eligibility Criteria
This Campaign is open to all new and existing Maybank Privilege, Maybank Premier and Maybank Private customers.

Deposit Participating Products
Conventional Fixed Deposit
General Investment Account-i


user posted image
Note: Should there be an Overnight Policy Rate (OPR) change, the offer rates may be revised.

The campaign rates are valid from 2 January until 28 February 2019 or upon reaching the campaign limit, whichever is earlier.


Click here for Conventional Fixed Deposit CNY Campaign Terms and Conditions
Click here  for General Investment Account-i CNY Campaign Terms and Conditions
Click here  for Investment CNY Campaign Terms and Conditions
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QUOTE(dannyw @ Jan 8 2019, 08:19 AM)
HLB eFD extended till 28 Feb 2019

user posted image

3 months, 4.18% p.a.
6 months, 4.28% p.a.
https://www.hlb.com.my/en/personal-banking/...fd-i-promo.html
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QUOTE(lamode @ Jan 6 2019, 12:04 PM)
QUOTE(cybpsych @ Dec 28 2018, 09:47 PM)
PB eFD Campaign
- 28 December 2018

Please be informed that the Campaign Period of “PB eFixed Deposit (PB eFD)” has been extended to 31 March 2019.

Click here for the revised Terms and Conditions.

PB Special2 FD / TD-i Campaign
- 28 December 2018

Please be informed that the Campaign Period of “PB Special2 Fixed Deposit / Term Deposit-i” has been extended to 31 January 2019.

Click herefor the revised Terms and Conditions.
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QUOTE(cybpsych @ Jan 31 2019, 07:29 AM)
PB Special2 FD / TD-i Campaign
- 31 January 2019

Please be informed that the Campaign Period of “PB Special2 Fixed Deposit / Term Deposit-i” has been extended to 31 March 2019.

The promotional profit rates for Term Deposit-i under the “PB Special2 Fixed Deposit / Term Deposit-i” Campaign will be revised with effect from 1 February 2019.

6-Month 4.00% p.a. | 12-Month 4.20% p.a.

Click here for the revised Terms and Conditions in English.
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This post has been edited by Ah SiAnG: Feb 1 2019, 07:53 PM
Ah SiAnG
post Dec 21 2016, 09:39 PM

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Report from Members:-

QUOTE(Wong Kit yew @ Jan 31 2019, 03:36 PM)
user posted image
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QUOTE(kb2005 @ Feb 1 2019, 12:08 PM)
HSBC 4.28%.

user posted image
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QUOTE(cybpsych @ Feb 8 2019, 05:49 PM)
QUOTE(cybpsych @ Feb 8 2019, 07:12 PM)
Campaign Period: 25 January 2019 to 31 March 2019

Note:
Terms and Conditions apply
Minimum deposit of RM10,000
First come first serve basis for first RM300 million
Fresh funds required
Fresh funds are defined as funds that are not derived from any existing account(s) with ABMB or its subsidiaries. It must not be funds transferred from any existing Savings/Current/Fixed Deposit/Foreign Currency Account(s) of ABMB or in the form of cheques, cashier’s orders or demand drafts issued by ABMB.

user posted image
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BANK RAKYAT - NOT Eligible for PIDM

If you are willing to go deposit with a non PIDM member, then check out Bank Rakyat Deposit Account -i which is based on Islamic Principles and like all Islamic banks' products, the profit rate cannot be guaranteed.

Thanks to all members who highlighted that deposit more than RM5K with BR is now eligible for monthly dividend. However, please note that many members here reported that their monthly dividends were not be credited monthly but they have to call up BR staff to have it done manually every month!!!
Special thanks to bbgoat for reporting the tenure to be eligible for monthly dividend:-

QUOTE
Was in BR again today. Asked the question. For monthly interest the FD has to be min 6 months.


eFD or eTD.Contributed by Nom-el

QUOTE
Banks that offer true eFD (can do placement & uplift online)
i) AmBank
ii) AmBank Islamic - Minimum Fund for 1 month = RM1,000, Rate: 3.15%p.a.
iii) RHB
iv) Maybank
v) CIMB
vi) Alliance Bank
vii) Hong Leong
viii) UOB
ix) OCBC

Banks that offer online FD placement (cannot uplift online)
i) Affin
ii) Public Bank
iii) Citibank - contributed by bbgoat

I think HSBC can do online placement too but not sure if can uplift online or not. Confirm by cklimm placement only and cannot uplift.


Contributed by ikanbilis
QUOTE
For HSBC eFD, no need go branch for uplifting. You can do the uplifting through phone banking. Tested it myself yesterday for my pre-mature eFD. Everything is done within minutes for me to giro the money to another bank.


Bank Rakyat introduces Xclusive membership card - New added by okuribito on 20 November

user posted image

Banks that pay interest for non-working days
OCBC
Bank Rakyat
UOB
May Bank (Need to remind May bank staff to add interest)
Affin Bank - updated by cybpscyh on 12 Dec 2014
Alliance Bank
Kuwait Finance House

Banks that do not pay interest for non-working days(after FD maturity date eg Saturday, Sunday & Public Holidays)
Am Bank
RHB
Standard & Chartered Bank

Bank that non-voluntary credit interest unless appeal
Public Bank (Need to complain to BNM then only pay interest)

New IBG Transfer Timing - Updated by gchowyh on 16 December 2014

user posted image

List Of Banks With Survivorship Clause - Updated by magika on 16 November 2014
1. OCBC
2. RHB
3. Alliance
4. Ambank
5. Cimb
6. Hlb
7. Affin
8. MBB

user posted image

A simple FD calculator to help you - by Human Nature on 13 January 2015
http://www.miniwebtool.com/fixed-deposit-calculator/

This post has been edited by Ah SiAnG: Feb 8 2019, 08:45 PM
Deal Hunter
post Dec 21 2016, 09:49 PM

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ALL THE PROMOS BELOW EXPIRED - KEPT FOR COMPARISON RECORD ONLY AGAINST NEW RATES

Ranked List of over-the-counter placement 12 months tenor FD promos with monthly payment of interest into specified savings account

Rank No - Company - Interest Rate p.a. - Minimum Principal per placement - Target Closing Date for Promo - Comments

1) MBSB - 4.10% - 100k - ufn (until further notice)

2) Bank Rakyat - 4.08% - 10k - 23 Feb 2017 (start 23 Jan 2017 Chinese New Year Promo - to end very soon)

3) Alliance - 4.05% - 50k - 31 March 2017 - for senior depositor 40 yrs old and above, FDGOLD (OVER & REPLACED)
Alliance - 4.05% - 500k - 31 March 2017 - FDGold for senior depositor 40 years and above (revise added on 22 Feb 2017)

4) OCBC - 4.00% - 10k - 28 Feb 2017 (entry added on 22 Feb 2017)

5) Hong Leong - 3.75% - 10k - ufn - Islamic FD (OVER & REPLACED)
Hong Leong - 3.80% - 10k - ufn - conventional and Islamic (revise added on 24 Feb 2017)


REVISED Wednesday 18 January 2017
REVISED Wednesday 22 February 2017
REVISED Friday 24 February 2017
FINAL REVISION Thursday 25 May 2017.

This post has been edited by Deal Hunter: May 25 2017, 06:51 PM
giko
post Dec 21 2016, 09:53 PM

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Congrats on V15,

Merry Xmas, &

a Happy New Year smile.gif
nexona88
post Dec 21 2016, 10:02 PM

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From: REality

Check in to new V15 rclxms.gif

Hope the FD rate could be higher later on..
cappuccino vs latte
post Dec 21 2016, 10:09 PM

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QUOTE(dEviLs @ Dec 21 2016, 04:12 PM)
a different type of FD acc..and i already had conventional & islamic fd acc before this
and of cos SA for the interest crediting
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just wondering whether BSA without annual fee allowable?
bbgoat
post Dec 21 2016, 10:31 PM

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Congrates on V15 ! thumbup.gif

I am looking for FD promo's. guy3288 posted on below which seems to be good rate for me for the 9 mth one:

"MBSB negotiated rate 4.15% 6month min 50k, 4.2% 9 month min 200k"

Hoping that Jan will have even better FD promo ! rclxms.gif
raptar_eric
post Dec 21 2016, 11:57 PM

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congrats on v15!!!

mbb e-gia still available for 6 months (min 10k) @ 3.9%
benlaw
post Dec 22 2016, 12:11 AM

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QUOTE(raptar_eric @ Dec 21 2016, 11:57 PM)
congrats on v15!!!

mbb e-gia still available for 6 months (min 10k) @ 3.9%
*
mbb egia can do it online?
anyone can advice how to apply for 6 month?
raptar_eric
post Dec 22 2016, 12:20 AM

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QUOTE(benlaw @ Dec 22 2016, 12:11 AM)
mbb egia can do it online?
anyone can advice how to apply for 6 month?
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yes can... login to mb2u, click on fixed deposit, under gia, apply and key in your amount (min 10k for promo), and choose 6 months... then click in info you will see an exclamation mark (!) beside, and it will show the rate wink.gif
benlaw
post Dec 22 2016, 12:28 AM

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QUOTE(raptar_eric @ Dec 22 2016, 12:20 AM)
yes can... login to mb2u, click on fixed deposit, under gia, apply and key in your amount (min 10k for promo), and choose 6 months... then click in info you will see an exclamation mark (!) beside, and it will show the rate wink.gif
*
got mention need to credit back to principal account upon mature?
I remember got 1 step need to choose corectly
raptar_eric
post Dec 22 2016, 12:29 AM

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QUOTE(benlaw @ Dec 22 2016, 12:28 AM)
got mention need to credit back to principal account upon mature?
I remember got 1 step need to choose corectly
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nope either will do
jdachum
post Dec 22 2016, 12:34 AM

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I see that those with better rates are 12-months tenure. Is it advisable to put 12 months? Or try to put shorter term first and wait next year Jan or Feb?
VinceCheong
post Dec 22 2016, 03:16 AM

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Actually, at what point in time do we start a whole new thread version? biggrin.gif
kevyeoh
post Dec 22 2016, 07:53 AM

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https://www.pbebank.com/Personal-Banking/Pr...ers-Reward.aspx

Hi all... the above promo is not fixed deposit right? When I read the T&C ... looks like only savings account or current account... in that case put in FD more worth right ?
the99percent1
post Dec 22 2016, 08:19 AM

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This time last year, there were plenty going for 4.5%. Whats going on?
sandkoh
post Dec 22 2016, 08:48 AM

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QUOTE(kevyeoh @ Dec 22 2016, 07:53 AM)
https://www.pbebank.com/Personal-Banking/Pr...ers-Reward.aspx

Hi all... the above promo is not fixed deposit right? When I read the T&C ... looks like only savings account or current account... in that case put in FD more worth right ?
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only for casa placement. better put $$ in fd.

QUOTE(the99percent1 @ Dec 22 2016, 08:19 AM)
This time last year, there were plenty going for 4.5%. Whats going on?
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bro, opr drop leh.
dEviLs
post Dec 22 2016, 09:01 AM

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QUOTE(cappuccino vs latte @ Dec 21 2016, 10:09 PM)
just wondering whether BSA without annual fee allowable?
*
i am not too sure as i already had one account with them..
aeiou228
post Dec 22 2016, 09:14 AM

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QUOTE(VinceCheong @ Dec 22 2016, 03:16 AM)
Actually, at what point in time do we start a whole new thread version? biggrin.gif
*
Used to be 2500 posts but now it no longer need to observe such rules.
I would suggest a new thread for each calendar year.
If the thread is too active, can always break it down to two i.e. FD rates in Malaysia 2017 1H and FD rates in Malaysia 2017 2H.



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