HSBC is also offering 4.88% FD for 3 mths
https://sp.hsbc.com.my/premierdualoffer?WAB...H_PWS_MAIN_DUAL

CIMB automatically set FD maturity date fall on working day during FD placement.

just done mine in last minutes..but tmr heard has better one..haha, uplift day after opening, any charges/fine?

Yes, HSBC need to apply CC to get 4.88% offer. I can't find the offer from CB, do you mind sending me a link in regards to the promo? Thanks in advance.

i just put in 400K to HSBC, 4.88%.

need to apply credit card HOWEVER if your credit card application failed due to any reason such as no support document or income payslip, the FD will still proceed.

yes, hence i use 2 diff names.

Does BSN pays for the extra non-working days interest too? TQ Sifu 

I'm a Citigold customer too. My RM never calls me maybe because she knows I only like really low risk investment. Do you need fresh funds to apply for 4.88%?

Is Ambank reliable in regards to FD? Thanks in advance.

Thanks Sifu   Another thing is do you think you can clarify whether Ambank pay interest for non-working days?
According to this forum page 1 -
"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"
But when I ask Ambank they said they pay interest for non-working days . Sorry I'm just confuse regarding this 

Where does it say that CB gives 4.88% too? Any catch like HSBC that needs CC application (probably gonna cut that card when they mail it lol).

Good morning bbgoat I can't decide between Ambank 4.08% 8mths FD and MBSB 4.1 12mths, do you think you can give me some advice on this? Thanks

Just got message that HSBC offer 4 year non callable range actual FRNID

Minimum 65k principal protected if carried to maturity.paid quarterly with klibor range 0~3.9%

Anyone done such as alternative for FD? Is there such topic or threads?

March FD promo, call and info from banks TODAY:

UOB: Min 10k
1 year 4%
8 mth 3.8%
4 mth 3.68%

OCBC: Min 10k
MiFD 12 mth 4% with monthly interest
Normal FD 12 mth 3.95% interest on maturity

AmBank:
Normal customer 8 mth 3.68%
For their PB: 8 mth 4.08% min 50k, no monthly interest
For aged 49+, 5 yrs 4.35%, min 10k, monthly interest

RHB:
For PB, 12 mth 4.05% min 50k, existing fund can also

HL:
Conventional 6 mth FD roll over 3.8%; new fund 3.9% (this seems to contradict one forummer's input)
100k and above 6 mth 4.05%
Islamic 12 mth FD roll over 3.85%, if top up 10k 3.95%, new fund 4%

Tomorrow another round of FD merry go round. Also going for CB FD/UT combo of 9.99% and pure FD of 4.88% !

for all from all ambank branches? i understood that is for priority banking customer and need to seek HQ approval to get that rate

Thanks for your excellent effort. I am not aware of CitiGold promo. It started in March? UT FD bundled sounds attractive.

CIMB RM called to inform new promo

12 months 4.15%
min 10k fresh fund

Not sure if it's just for PB customers.
For non PB customers, can still try asking; esp if you have bigger amount to place.
Previously,managed to get PB promo rates for relatives who are non PB customers .

Very unlikely BNM will follow FED because our economy is not performing well. Last year inflation was up due to GST. This year inflation will continue worsen due to weak ringgit. We are seeing a cost push inflation and Malaysia economy is moving towards the down turn phase, increasing  the OPR will worsen the economy further.

US reported high oil inventory and this will affect  the oil prices and hurt the country revenues.  To stimulate the economy, government is depending on China on its fscal policy as government has no excess money on spending.
BNM has to play with the OPR on its monetary policy to spur growth. Increasing the OPR will reduce the money supply in the market and will drive down the economy. Personnaly I think the OPR will remain throughout in the next 6 months.

if Malaysia economy can recover in 2-3 years with GDP climbing up and with a demand pull inflation, then only a big increase in OPR is possible. There are also other external factors which will affect the OPR. Ringgit exchange rate, BREXIT effects (BNM reacted to it when British voted BREXIT), South China Sea tension, Trump economic policy, global economy etc.
Ideally 36 months at 4.35% is good to lock in but now Am offer is 60 months. Nobody has the crystall ball. If one perceives the economy will not be doing well in the next 5 years, 4.35% is a good rate.

CB is having housing loan promotions and they need the fixed deposit fund to bridge the gap.

Placed fd in CIMB at 4.15% 12 mth. For their pb only. More info later.