PB eFD Campaign

Please be informed that Public Bank is launching a PB eFixed Deposit (PB eFD) Campaign starting from 19 March to 30 June 2018.

Click here for the Campaign’s Terms and Conditions.

Tenure	Promotional Interest Rates (% p.a.)
3-Month	3.40
6-Month	3.45
9-Month	3.50
12-Month	3.60
15-Month	3.65

Interest is calculated to the actual number of days and will be credited into the Designated CASA on a monthly basis.

Yes, very low. Better to put in BR for 5 years to get 4.55 pa.

For info who might interested.
Maybank current campaign is average up 4.1% for 10 months. Need fresh fund.

My parents placed fd under the rhb promotion. they chose 4.25% for 10 mths, but they are regular rhb customers so they already hv CASA.

That is weird. Joint names? Maybe their system slow 2day. Last time when my parents place, i check 5mins later, alrdy reflected in online banking.

RHB gives the same functionality to their OTC fd as e-fd once it is reflected in their system/ customer accounts.

RHB gives the same functionality to their OTC fd as e-fd once it is reflected in their system/ customer accounts.

Sorry, my promo OTC fd will only mature in Nov. I did try uplifting it early using rhbnow, but i dint proceed to the last step yet (last step requires the phone OTP)

Thanks for letting me know we cannot uplift OTC fd using rhbnow.

IINM, public bank efd  minimum is 1k only

I asked AM Bank about 4.5% for 3 years, they said no such 4.5% promo..?
Only 4.4% for 1 year is available.

Just went to Bank Islam and thinking to open one saving account to get ready for RENTAS tomorrow, but was informed
by Bank Islam that the maximum FD placement for 4.65% was RM 250K.

The female customer service asked me a lot of questions like: my house value, my car value, how much money I have, and many personal questions.

Bank Islam just called me, they said they received "approval" from HQ for me to place FD tomorrow.
But I have to give them a photostat copy of my FD cert as supporting document which is going to withdraw to convert to Banker's check tomorrow.

But now I am thinking maybe I place in AM Bank instead..
No mood in Bank Islam already 

would they be less nosy if <100k?

got many lahhh cimb got, maybank got, bsn got, bank rakyat also got!
but if i got children i will open acc for maybank, bsn or alliance bank
its the save one to saving

long story short,

FD is just to make sure you keep your money there in case someone wants to borrow 2 million bucks and bank itself only has total cash of 1.5 mil only.
Ensuring that they can lend more than they actually have.
Interest from loans =4%, interest to your FD = 4%, but the former is compounded, latter is simple interest.

as for investment programs, it will depend on how well they perform, heck you might even lose money, but if things are good, you get more than FD.
either way, to play safe, just FD all the way.

Any news to beat the following FD promo rates?

12 mths. AMB 4.4%. Minimum 10k AF any fund - fresh, renewal, existing funds.
Interest paid on maturity. For seniors, can opt for interest paid monthly.

24 mths. Bank Islam step promo - average effective rate 4.65%. Minimum 50k FF only. Step interest paid every 3 months.

36 mths. AMB 4.5%. Minimum 100k FF only. Interest paid every 6 months. For seniors, can opt for interest paid monthly.

Children FD also offer various gifts which may also include free money. Some parents even try to collect from various banks around before closing up to the best interest bearing or one with best future reward on school results and other facilities. Children FD  is a very different kind of promo and strategies when compared to what oldies, joint FD and promo FDs discussed here and have a wide variety.

just did yesterday OTC RHB 4.38%, 15M (i)

Not shown as red

Based on my experience, OTC FD can be uplifted online for both OCBC & UOB.
It is not worth it at all. Leaving the dividend in ASB would yield a much higher compounded return than any savings account in the market in Malaysia. Go through all the hassle to withdraw from ASB to get lower interest. Ridiculous!  
There are other banks that provide similar benefits. One example is UOB. I see there are many newbies suddenly flooding this thread and other thread recommending Alliance Save Plus Account. I suspect some might be Alliance Bank's staff or agents trying to promote their products online. They keep telling you about how good the account is without going into the details about how to qualify for the high interest rate & free charges.