Took BR 2.8 % promo FD for 2 years with monthly payment. Can just fund nasi lemak or roti kosong with teh at stall for next two years.

10k, yes

Still the 2.6% 12m and 2.8% 24m promo.
Just slighy better than their 2.58% 11m a year ago.

for principal of 100k , can i go bank and ask for higher rates?

few weeks back, it was bundle fd:casa placement. forgotten the rates, not interested with it 

you dont want to consider money market fund KDI? I am using it for now
while waiting for FD rate to go above 3%

here's the list

Bank Rakyat promos
12m @ 2.6%, 24m @ 2.8% OTC can choose monthly payment of profit or on maturity.

Affin Bank Invikta OTC promos
12m @ 2.55% for 50k < 250k, @ 2.6% for 250k up.
profit on maturity.

18m @ 2.58% for 50k < 250k, @ 2.63% for 250k up.
profit payable 6 monthly.

24m @ 2.63% for 50k < 250k, @ 2.68% for 250k up.
profit payable 6 monthly.

28m @ 2.65% for 50k < 250k, @ 2.68% for 250k up.
profit payable 6 monthly.

38m @ 2.78% for 50k < 250k, @ 2.78% for 250k up.
profit payable 6 monthly.

Hong Leong Bank eFD, efD-i promos thru FPX, min 10k

3m @ 2.15%
6m @ 2.25%
12m @ 2.35%
18m @ 2.50%
24m @ 2.75%

Hong Leong Investment Account-i (TIA no pidm)

3m @ 2.25%
6m @ 2.35%
12m @ 2.50%

Ambank - no promo news out yet besides old 70 FD:30 CASA promo still running.

Cimb CIRA based on 3M klibor?
Profit 4.28% seems good, but 5 yr  period if missed 1 yr become 3.4%,  missed 2 yrs =2.6%.
3% daily interest feels better now, anytime  can move out

I may still go with MBSB 6 mth 2.45% eff rate. Looks decent. Also is a renewal one in MBSB, troublesome to move around.

FD promo rates today

AFFIN promos due to end on 10 May 2022, min 10k.
3m 2.10, 6m and 9m 2.35, 12m 2.50, 18m 2.58, 24m and 28m 2.63, 38m 2.73.

AFFIN Invikta promos due to end on 10 May 2022, min 50k.
3m 2.20, 6m and 9m 2.40, 12m 2.55, 18m 2.63, 24m and 28m 2.68, 38m 2.78.

AMBANK promo from 1 April to 30 June 2022.
For min 10k, 12m 3.40 bundle 70:30. Interest paid normally on maturity, but monthly for FD Plus (50 yrs+).

BANK RAKYAT promo 12m 2.60, 24m 2.80. Can opt for profit paid monthly.

HONG LEONG FPX promo 3m 2.15, 6m 2.25, 12m 2.35, 18m 2.50, 24m 2.75.

HONG LEONG Term Investment Acct-i promo (no pidm) 3m 2.25, 6m 2.35, 12m 2.55. Internet placing from money in existing CASA thru HLConnect.

MBSB promo bundle 70:30. 6m 3.48, 9m 3.55, 12m 3.72, 18m 4.01.

OCBC no promo according to call centre.

UOB promo from 1 to 30 April 2022. Min 10k, 12m 2.45, interest paid monthly.

I just done my new fd  this morning in Ambank , effective rate is 2.77% 😊 higher then other bank

I am a long time citibank customer, tbh 3.5% sounds too good to be true. I managed to get 2.7% for 1 year fresh fund FD via approval, I thought that was the best rate in Feb 2022?

Anyway the process of converting to UOB is lengthy, that said even if converted it should not have any changes to your current credit card or bank account. I suspect those existing products will be phased into UOB products and slowly transit from there. A few years process that should not have any inconvenience to the customer. That said don't bomb me if this is not the case.

FD rates have been rather pathetic the last few years.
while still keeping fair sum for liquidity, have also largely diversify into coupon based on shares lately.

just received promo blast from hlb 2.75% for 24months.

anyone can point me in the right thread for coupon discussion thread. don't seem to find it anyway.

thanks.

IMHO FD for 2 years duration should be paying 3% in current outlook

i am personally venturing into structured coupons based on shares. knock in knock out thingy. coupon % ranges 6-12%.

Really standby the bullet already.   

Even the OPR really increase, wonder take how long for bank FD rate to follow.

the board rate should change immediately after next working day. No?

On Thursday 5 May, BR still at existing OTC promo rates till July 7 at 2.8% for 2 years and 2.6% for 1 year, minimum 10k.
BNM looks like huge supporter of cheap loans, so surprise if up the OPR.
Likely it comes down to what the banks think they need to do themselves about the FD promo rates as against the FD board rates.
So just hope for good news although feel quite pessismistic about whose interests override others at MOF or BNM.

MY BR FD dilemma wont come so fast yet, another 1 yr+ thank god.

Now maturing only the lowly HLB TIA 2.35% ,
next few months the HLB TIA so so only 2.58% maturing..
parking at 3% no problem.

300k ada but must consider the hassle. also not yet read T&C..If say that rate for  1year sure must go

I calculated if going for this hassle can gain extra RM307 in 2 months compared to  KDI  

extra RM307 not bad ,but  would SCB  be  so generous throwing that at us without strings......

10k at 2.3%, total interest over 9 months = 172.50  daily interest = 0.63 per day loss.

If there is newer Fd rate at 2.55% for 9 months also, total interest = 191.25

191.25-172.50 = 18.75 difference vs daily loss of interest 0.63 if uplift prematurely.