Everyone has their own planning la..simple fd rate dun talk and discuss until so deep la please.

For me, I will placed 6 months fd first, I foresee next year opr will be at 3.5%, ok no need to argue. If I'm wrong means wrong, everyone has their own view ok? Good luck and enjoy everyone, heng ong huat!!

Kinda....

See how desperate the branch is...

Case on case basis ya....

Those smaller banks easier to negotiate the rate...
As long u got the $$$ & fulfill the requirements... More $$$ is better.... Don't go to HQ and ask... Go to branch which have lesser people...

And the one I replied is for promotion FD rate for Invikta customer.... U ask nicely & nego.. can get that too....even not  Invikta customer...

Affin Bank FD promotion rate FOR INVIKTA CUSTOMER:

ONLY FOR CONVENTIONAL FD ACCOUNT

4months 3.05%p.a.
6 months 3.40%p.a.
9 months 3.40%p.a.
12 months 3.50%p.a.

Minimum placement amount RM50K

Promotion period from 9 September 2022 until 30 September 2022

*rate subject to changes from time to time, will update again if there is any

*Invikta FD rate only applicable placement over the counter, not applicable for online FD placement

Affin Bank
FD Promotion- Over The Counter Placement
Campaign Period: 10 SEPT 2022 - 30 SEPT 2022



Ivikta Customer (Min: RM50,000)
4-months: 3.05%pa
6-months: 3.15%pa
9-months: 3.40%pa
12-months: 3.50%pa
18-months: 3.50%pa
24-months: 3.35%pa

This 4.8% is too good. Too bad I am current Citigold and my RM refuses to apply for waiver to get 4.8%...

Will end this month end.

6 months FD is not a very long holding period, and very good deal with monthly interest

This needs a good timing to get this 4.8% if:
(1) have enough fund RM 1 million
(2) if only have RM 500K, manage to find another FD depositor that can put in another RM 500K
(3) new to Citigold customer

i am surprised you go for 2.25% when we have KDI upto 3.5% 1st 50k,
even  lowest i get beyond 200k is still 2.5%
dont like KDI still got Versa 3.2% or more soon

That MBSB 4.05% is for 18 months.. too long with now interest keep going up..
I placed the 12 month @ 3.9% but few weeks back
now  better keep in KDi wait..
2)what  do u mean,? why cant put separate name?
FD on single name  any time can.

Is not per name max RM500k, is per account.

for this if you want  joint name than u need 4 persons
it wont accept if you try open 2 accounts eg  1)A/B and 2)B/A

if  have 4 names then can  put RM2 million @4.8%

long no update. i thought i saw someone looking for it.
this is rough reference, please share more / correct info. i will amend.

Just some silly question....

For those who have funds in FD, you guys doesnt have any flexi loan account? isn't it more worth it to park at flexi loan account since the interest rate is confirmed higher then FD.... of course unless u have 0 loan then......

If full Flexi loan, no charges for withdrawal. All my housing loans are full Flexi and can withdraw anytime without restriction and charges

Dear Ambank Customers,

Ambank *ISLAMIC TD-i & CONVENTIONAL FD*

*1 month @ 3.38% p.a*
*2 month @ 3.50% p.a*
*3 month @ 3.75% p.a*
*4 month @ 3.85% p.a*
*6 months @ 4.0% p.a*
*12 months @ 4.10% p.a*
*15 month @ 4.30% p.a*
*18 month @ 4.50% p.a*

Offer validity:
*2 Dec 2022 - 31 Dec 2022*

1. *Applicable for Islamic TDi / Conventional FD & FRESH FUNDS
2. Placement criteria : min RM 10k CASA balance is COMPULSORY
3. Applicable for *TD-i / FD > RM10k only*
4. Applicable for SPB & Retail SME

OTC for now rite? those who placed alredi.... just wanna ask.... interest can opt for mthly?

yes  RM1 M is monthly 4k,
with PBB they keep your money 6 months later only give u 24k

now  me in dilemma, ealier plan to get PBB RCB Reward RM800 for 1M

now BR can give same rate and monthly interest
may just forego that RM800 if PBB refuse to  pay  monthly interest.

no link only whatsapp info

PBB will require full 2 years maturity only will releasing the full interests, if we calculated by annual effective interest paid, theirs is 4.6%