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

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donhay
post Mar 8 2019, 03:22 PM

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I have Hong Leong Bank promo FD started last month, for 6 months and 12 months.

In my hong leong connect, i saw the interest said credit into account, if it after it have mature the interest credit into my bank account and not monthly interest credit into my bank account?

This post has been edited by donhay: Mar 8 2019, 03:22 PM
dudester
post Mar 8 2019, 03:30 PM

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QUOTE(donhay @ Mar 8 2019, 03:22 PM)
I have Hong Leong Bank promo FD started last month, for 6 months and 12 months.

In my hong leong connect, i saw the interest said credit into account, if it after it have mature the interest credit into my bank account and not monthly interest credit into my bank account?
*
From HL terms and condition.
10. Eligible Customers are required to nominate a CASA / CASA-i maintained with HLB / HLISB under the individual name of the
Eligible Customers (“Nominated CASA / CASA-i”) for the purpose of crediting the interest / profit earned under this Promotion.
The interest / profit earned will be credited into the Eligible Customers’ Nominated CASA / CASA-i every 6 months and/or at
maturity. For tenures of 6 months or less, interest / profit is paid at maturity.

https://www.hlb.com.my/content/dam/hlb/my/i...romo-tnc-en.pdf
Wong Kit yew
post Mar 8 2019, 11:27 PM

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Placed an FD in Bank Rakyat today. Some gifts were given by them. Although they are not very valuable, I still very happy for having to receive them.

user posted image
ckinsg
post Mar 9 2019, 11:22 AM

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Ambank islamic 4.3% 12 months. Do I need to open casa acc?
pengembara.jalan
post Mar 9 2019, 12:15 PM

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QUOTE(hammerjit @ Mar 5 2019, 10:43 AM)
Update 5 Mar 2019

OCBC
4.20% 12-mth FD/i Min RM10K . End date 31/3/2019
4.00% 6-mth FD/-i Min RM10K . End date 31/3/2019
4.30% 12-mths for additional fresh fund RM30K topup to exisitng funds in OCBC. (@kmarc)

Bank Islam
Go 7
4.65% 24-mth. Min RM 50k. End date 30 June 2019 (@enriquelee). 2 options available, profit credited every 3mths or profit rollover every 3 months (@neil888)
Tawarruq
4.20% 3 mths. Min RM 5K. End date 30 June 2019 (@Wong Kit yew) -- New added
4.40% 6 mths. Min RM 5K. End date 30 June 2019 (@Wong Kit yew) -- New added

RHB
4.38% 12-mth. Min RM10k. OTC. End date 18/3/2019 (@enriquelee)

HLB
4.50% 3-mth tenure for Astro Subscriber (@a.lifehacks)
4.20% 6-mths eFD/-i. Min RM10K. End date 30 Apr 2019 (@cybpsych)

MBSB
4.48% 12-mth. Min RM28,888. End date 31/5/2019 (@dudester)
4.18% 6-mth. Min RM18,888. End date 31/5/2019 (@dudester)
4.08% 3-mth. Min RM8.888. End date 31/5/2019 (@dudester)
4.55% 24-mth. Min RM100K. Monthly interest. Must open current/SA account for new customer. (@hammerjit)

Affin Bank
4.05% 12-mth
4.25% 15to60-mth (@Wong Kit yew)
4.49% 18-mth (20k to 200k). Islamic. Every 6months interest deposit. For 5k or 10k required for CASA will get 4.55% (@Gary1981)

Ambank
4.28% 8-mths (@jack2)
4.25% 12-mth Conventional.
4.30% 12-mth Islamic (@boomchacha)

UOB
4.2% 12-mths. Min RM10K. Monthly interest. End date 31/3/2019 (@boomchacha)
4.15% 7-mths. Min RM10K. Monthly interest. End date 31/3/2019 (@boomchacha)
4.00% 4-mths. Min RM10K. Monthly interest. End date 31/3/2019 (@boomchacha)
If you do not want monthly interest or if you do not want to open a saving account, then ask for Islamic FD

Alliance Bank
4.20% 3-mth. Min RM 10K (@cybpsych)

CIMB Bank
4.20% 12-mths (@syhuang)

Bank Rakyat
4.60% 60-mth. Min RM5k. Monthly interest (@Wong Kit yew)
** Guys - Just update this info as and when you have new findings for now I have removed those promo which have ended.
*
Thanks for such complete info. For Bank Islam & Affin Bank, any T&C to get the 4.49 & 4.4% respectively? Couldn’t find and info fr bank’s website. Issit a nationwide promo?
guy3288
post Mar 9 2019, 01:42 PM

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QUOTE(cklimm @ Mar 5 2019, 02:51 PM)
Gosh, is that a Lego? Kids sure like it
*
Not lego.just a file bag
VinceCheong
post Mar 9 2019, 05:56 PM

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Okies, I just received a WhatsApp message from CIMB regarding some FD/i promo.

CODE
Fixed Deposit/i promo rate effective 11 Mac 2019 until further notice
💱💱💱💱💱💱💱💱

Conventional
1month @ 3.25%p.a↔
2months @ 3.35%p.a↔
3months @ 3.80%p.a↔
6months @ 4.10%p.a↔
12months @ 4.00%p.a↔

Islamic
1month @ 3.25%p.a↔
2months @ 3.35%p.a↔
3months @ 4.00%p.a↔
[B]6months @ 4. 40%p.a⬆[/B]
12months @ 4.00%p.a⬇

the rate subject for changes from time to time


Only the 6-mth caught my attention. I can't confirm if it's only available for PB customers, or is it for all. But looks like they need some funds for their islamic business side.
hammerjit
post Mar 9 2019, 09:10 PM

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QUOTE(pengembara.jalan @ Mar 9 2019, 12:15 PM)
Thanks for such complete info. For Bank Islam & Affin Bank, any T&C to get the 4.49 & 4.4% respectively? Couldn’t find and info fr bank’s website. Issit a nationwide promo?
*
Maybe you can refer to this
https://www.bbazaar.my/fixed-deposit/bank-i...posit-rate.html

And this

https://www.bbazaar.my/fixed-deposit/affinb...-promotion.html
cybpsych
post Mar 10 2019, 08:51 AM

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QUOTE(WinterDays @ Jan 18 2019, 04:34 PM)
QUOTE(Wong Kit yew @ Feb 4 2019, 10:12 AM)
I think currently Ambank has the promotion for eFD

8 months 4.28%
Minimum 10k. Until 28 Feb.

https://www.ambank.com.my/ambank/SiteAssets...neCNYeFDTnC.pdf

user posted image
*
extended to 30 Apr 2019 thumbsup.gif

user posted image
BoomChaCha
post Mar 10 2019, 04:53 PM

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I had received CIMB SMS a weeks ago, then I went to CIMB branch to find out more info about it 2 days ago.
Here is what I found out:

For new CIMB preferred customer only.

Minimum placement RM 200K for 3 months
- use 75% to 25% ratio: RM 150K put in FD to earn 6%, balance RM 50K put in preferred current account that will earn interest based on tiers.
Total placement is RM 200K (RM 150K + RM 50K)

Maximum FD placement is RM 500K for 3 months.
- use 75% to 25% ratio: RM 500K put in FD to earn 6%, put another RM 125K in preferred current account that will earn interest based on tiers.
Effective rate for this total placement RM 625K (RM 500K + RM 125K) is approximately 4.9x%

If we want to accumulate funds from various banks:
A CIMB staff said defferent deposit from various bank checks must be put in this promo at a time on the same day.
But RM said different deposit from various bank checks can be put in this promo within 3 days.
Don't know who is correct? confused.gif But I think the staff should be correct..

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This post has been edited by BoomChaCha: Mar 10 2019, 05:05 PM
bbgoat
post Mar 11 2019, 12:08 PM

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CIMB RM sent update:

6 mth Islamic FD 4.4%
12 mth Islamic n conventional 4.0%

min 10k.
BoomChaCha
post Mar 11 2019, 12:11 PM

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Update 11 Mar 2019

OCBC
4.20% 12-mth FD/i Min RM10K . End date 31/3/2019
4.00% 6-mth FD/-i Min RM10K . End date 31/3/2019
4.30% 12-mths for additional fresh fund RM30K topup to exisitng funds in OCBC. (@kmarc)

Bank Islam
Go 7
4.65% 24-mth. Min RM 50k. End date 30 June 2019 (@enriquelee). 2 options available, profit credited every 3mths or profit rollover every 3 months (@neil888)
Tawarruq
4.20% 3 mths. Min RM 5K. End date 30 June 2019 (@Wong Kit yew)
4.40% 6 mths. Min RM 5K. End date 30 June 2019 (@Wong Kit yew)

RHB
4.38% 12-mth. Min RM10k. OTC. End date 18/3/2019 (@enriquelee)

HLB
4.50% 3-mth tenure for Astro Subscriber (@a.lifehacks)
4.20% 6-mths eFD/-i. Min RM10K. End date 30 Apr 2019 (@cybpsych)

MBSB
4.48% 12-mth. Min RM28,888. End date 31/5/2019 (@dudester)
4.18% 6-mth. Min RM18,888. End date 31/5/2019 (@dudester)
4.08% 3-mth. Min RM8.888. End date 31/5/2019 (@dudester)
4.55% 24-mth. Min RM100K. Monthly interest. Must open current/SA account for new customer. (@hammerjit)

Affin Bank
4.05% 12-mth
4.25% 15to60-mth (@Wong Kit yew)
4.49% 18-mth (20k to 200k). Islamic. Every 6months interest deposit. For 5k or 10k required for CASA will get 4.55% (@Gary1981)

Ambank
4.28% 8-mths (@jack2)
4.25% 12-mth Conventional.
4.30% 12-mth Islamic (@boomchacha)
4.1% 6-mth (@boomchacha) - New added
3.9% 3-mth (@boomchacha) - New added
3.4% 1-mth (@boomchacha) - New added

UOB
4.2% 12-mths. Min RM10K. Monthly interest. End date 31/3/2019 (@boomchacha)
4.15% 7-mths. Min RM10K. Monthly interest. End date 31/3/2019 (@boomchacha)
4.00% 4-mths. Min RM10K. Monthly interest. End date 31/3/2019 (@boomchacha)
If you do not want monthly interest or if you do not want to open a saving account, then ask for Islamic FD

Alliance Bank

4.20% 3-mth. Min RM 10K (@cybpsych)

CIMB Bank
4.20% 12-mths (@syhuang)
4.4% 6-mth Islamic, min RM10K - New added
4.0% 12-mth Islamic & conventional, min RM10K - New added


Bank Rakyat
4.60% 60-mth. Min RM5k. Monthly interest (@Wong Kit yew)

HSBC
4.28% 6-mths. Min: RM10K. Max fresh fund RM100K. For new/existing HSBC Advance Customers Only. End date 31 December 2019 (@a.lifehacks)


** Guys - Just update this info as and when you have new findings for now I have removed those promo which have ended.

This post has been edited by BoomChaCha: Mar 11 2019, 12:18 PM
ericlks91
post Mar 11 2019, 12:20 PM

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QUOTE(bbgoat @ Mar 11 2019, 12:08 PM)
CIMB RM sent update:

6 mth Islamic FD 4.4%
12 mth Islamic n conventional 4.0%

min 10k.
*
Can u ask if only for preferred customer though? If yes then many people here walk in will be a waste of time.
bbgoat
post Mar 11 2019, 02:01 PM

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QUOTE(ericlks91 @ Mar 11 2019, 12:20 PM)
Can u ask if only for preferred customer though? If yes then many people here walk in will be a waste of time.
*
RM replied non Preferred can get one time but must be fresh fund

Preferred renewal also can get that rate.

But only the 6 mth one is attractive 4.4%, 12 mth one not competitive.
ericlks91
post Mar 11 2019, 02:14 PM

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QUOTE(bbgoat @ Mar 11 2019, 02:01 PM)
RM replied non Preferred can get one time but must be fresh fund

Preferred renewal also can get that rate.

But only the 6 mth one is attractive 4.4%, 12 mth one not competitive.
*
Thanks! Yup the 12 months one can go for other banks. 6 months not too bad. It used to be 4.5.
cybpsych
post Mar 11 2019, 08:51 PM

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Fixed Deposit (FD) Hooray Campaign [ MBB ]
Campaign Period: 1 March 2019 to 31 March 2019

Hooray for higher FD/IFD-i rates up to 3.95% p.a. for 4 months!

This promotion is open to new & existing Maybank customers and is applicable for Conventional Fixed Deposit (FD) and Islamic Fixed Deposit (IFD-i) with 4 months tenure with minimum deposit placement of RM10,000 for Individual or RM25,000 for Small Medium Enterprise, Sole Proprietorship, Partnership, Clubs, Societies, Associations & Business Banking Customers of the Bank.

The campaign period is valid from 1 March 2019 to 31 March 2019 or upon reaching the campaign limit, whichever is earlier.

Tier 1 Rate
Tenure: 4 Months
Campaign Rate*: 3.95% p.a.

Over the Counter (OTC)
Fresh Funds placement
Interest / Profit crediting to Maybank CASA / Daily Fund-i Account

eFD/eIFD-i via Maybank2u
Interest / Profit crediting to Maybank CASA / Daily Fund-i Account

eFD/eIFD-i mode of placement:
Maybank2u (for new and existing FD/IFD-i customers)
Maybank2u Mobile Application (existing FD/IFD-i customers only)
Any ‘Modification' made to existing eFD will not be entitled for eFD Campaign Rate.

Tier 2 Rate

Tenure: 4 Months
Campaign Rate*: 3.85% p.a.

Over the Counter (OTC) Only
Non-Fresh Funds placement
Interest/ Profit crediting to Maybank CASA / Daily Fund-i Account


Click here for FD Hooray Terms & Conditions (Conventional)

Click here for IFD-i Hooray Terms & Conditions (Islamic)

Click here for the Process Flow to View eFD Campaign Rate

This post has been edited by cybpsych: Mar 11 2019, 08:51 PM
syaaron
post Mar 12 2019, 01:15 PM

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QUOTE(bbgoat @ Mar 11 2019, 12:08 PM)
CIMB RM sent update:

6 mth Islamic FD 4.4%
12 mth Islamic n conventional 4.0%

min 10k.
*
Hi, any info 6 mth 4.4% until when ?


Currently having a FD with Maybank matured on 22March Friday, just to confirm can I withdraw the first time in the morning ? If I remember correctly, should be can right ?
Wong Kit yew
post Mar 12 2019, 02:12 PM

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Maybank 4 months FD allows old fun to get the rate of 3.95% by topping up some money. It was told by my colleague who placed an FD yesterday.
LoTek
post Mar 12 2019, 03:51 PM

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QUOTE(Wong Kit yew @ Mar 12 2019, 02:12 PM)
Maybank 4 months FD allows old fun to get the rate of 3.95% by topping up some money. It was told by my colleague who placed an FD yesterday.
*
any particular reason that he stick with tiger bank even with that low rate?
Wong Kit yew
post Mar 12 2019, 04:40 PM

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QUOTE(LoTek @ Mar 12 2019, 03:51 PM)
any particular reason that he stick with tiger bank even with that low rate?
*
She prefers short-term FD for the emergency use of money. And also scare of losing interest for placing longer duration.

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