Fixed Deposit Rates In Malaysia V. No.15, Strictly for FD Discussion Only
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 Mar 20 2017, 10:09 PM
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Junior Member
454 posts Joined: Nov 2010 From: SEA 
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QUOTE(aeiou228 @ Mar 20 2017, 04:42 PM) Pbb latest step up FD promo. Effective from today. great. applicable for conventional and Islamic.2 steps. 3.99%. [attachmentid=8615558] 3 steps. [attachmentid=8615599] Can withdraw without penalty upon completion of each step.  |
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Mar 21 2017, 02:01 AM
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#1282
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Senior Member
1,624 posts Joined: Apr 2011
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QUOTE(bbgoat @ Mar 19 2017, 09:08 AM) Never placed any foreign FD before. Wow, 1% penalty for the NZ FD ! UT service charge is 3%. The return has to be x + 3%. Citigold FD/UT investment bundle is good, better than the OCBC one that I took up last Nov. Sales charge also lower. In January I placed FD with MBSB at 4.2% 9 and 12 mths FD. Can call them to nego the rates first. For larger sums should be easy to get 4.1%. For even larger (>100k), try for higher rate. I don't think their 5 yrs rate (though not sure current offer) are competitive or worth put in at current atmosphere.  Ambank has bundle offer with ASNB-V. FD 8.88% for 3 months. End 31 March. 8 months FD 4.08% promo till 30 Apr |
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Mar 21 2017, 02:03 AM
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#1283
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Senior Member
1,624 posts Joined: Apr 2011
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QUOTE(kit2 @ Mar 19 2017, 10:26 AM) can uplift online or withdraw from a different branch? Counter placement has to withdraw from counter. Any branch. |
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Mar 21 2017, 11:13 AM
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All Stars
65,264 posts Joined: Jan 2003
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QUOTE(ecVk @ Mar 16 2017, 01:04 PM) Currently Maybank is giving 4+4(rollover)+4(rollover) FD with a FD effective rate of 3.88%. Is it a good FD promo to place with?  Maybank FD/IFD-i Triple Bonus Campaign (4 + 4 + 4 months) [ MBB | T&Cs (Conventional) | T&Cs (Islamic) ] Enjoy great rates with a minimum fresh deposit of RM10,000 for Individual or RM25,000 for SME/Business Banking customers in a single certificate. Offer is open to Maybank / Maybank Islamic customers and is applicable for Conventional and Islamic Fixed Deposit placement of fresh funds made over the counter only, at any Maybank or Maybank Islamic branch in Malaysia. The campaign is valid from now till 12 April 2017 or upon reaching the overall limit, whichever is earlier. FD/IFD-i Triple Bonus Campaign Rates  *Should there be any Overnight Policy Rate (OPR) change, the offer rates may be revised. |
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Mar 21 2017, 03:07 PM
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Senior Member
1,216 posts Joined: Mar 2009 From: Cut Throat Land
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My FD Int Calculations seems like off a bit.
Placed FD 4% HLB, RM30K monthly interest credit to CASA My calculation (RM30,000 X 4%) = RM1,200 / 12months should be Int RM100.00 per month but today end of one month got, RM92.05 How to calculate, sifus? |
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Mar 21 2017, 03:12 PM
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Senior Member
1,616 posts Joined: Jul 2016
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QUOTE(duckaton @ Mar 21 2017, 03:07 PM) My FD Int Calculations seems like off a bit. 30000 x 4% / 365 x 28= 92.05Placed FD 4% HLB, RM30K monthly interest credit to CASA My calculation (RM30,000 X 4%) = RM1,200 / 12months should be Int RM100.00 per month but today end of one month got, RM92.05 How to calculate, sifus? Based on days calculation... This post has been edited by Cookie101: Mar 21 2017, 03:13 PM |
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Mar 21 2017, 03:17 PM
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Senior Member
1,216 posts Joined: Mar 2009 From: Cut Throat Land
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QUOTE(Cookie101 @ Mar 21 2017, 03:12 PM) 30000 x 4% / 365 x 28= 92.05 Me very noob Based on days calculation...  Thank you for explaning.  |
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Mar 21 2017, 08:23 PM
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Senior Member
6,614 posts Joined: Mar 2011
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QUOTE(gsc @ Mar 21 2017, 02:01 AM) UT service charge is 3%. The return has to be x + 3%. OT a little bit:Ambank has bundle offer with ASNB-V. FD 8.88% for 3 months. End 31 March. 8 months FD 4.08% promo till 30 Apr I have said before that cannot buy UT just because of the FD/UT promo. Just because I wanted to buy UT then the FD/UT promo comes along .................. UT has to hold longer term waiting for the appreciation (if it happens  ). Citigold FD/UT promo is FD 9.99% for 3 mths. Sales charge 2.5%. But I also took up their pure FD of 3 mth 4.88% 2 weeks ago. This post has been edited by bbgoat: Mar 21 2017, 08:26 PM |
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Mar 21 2017, 09:32 PM
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#1289
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Senior Member
2,064 posts Joined: Feb 2011
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Hello,
Anyone any idea which bank FD allows joint name with kids and at the same time allow online top up/withdrawal? Thanks in advance. |
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Mar 21 2017, 09:53 PM
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Senior Member
6,614 posts Joined: Mar 2011
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Going to hunt for new home for FD maturing next week. Going to nego with Bank Rakyat.
May try MBSB and CIMB to see if can get 4.1 to 4.2% rate. This post has been edited by bbgoat: Mar 22 2017, 11:33 AM |
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Mar 22 2017, 02:57 AM
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#1291
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Junior Member
46 posts Joined: Sep 2008
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QUOTE(cybpsych @ Mar 21 2017, 11:13 AM) Maybank FD/IFD-i Triple Bonus Campaign (4 + 4 + 4 months) [ MBB | T&Cs (Conventional) | T&Cs (Islamic) ] Enjoy great rates with a minimum fresh deposit of RM10,000 for Individual or RM25,000 for SME/Business Banking customers in a single certificate. Offer is open to Maybank / Maybank Islamic customers and is applicable for Conventional and Islamic Fixed Deposit placement of fresh funds made over the counter only, at any Maybank or Maybank Islamic branch in Malaysia. The campaign is valid from now till 12 April 2017 or upon reaching the overall limit, whichever is earlier. FD/IFD-i Triple Bonus Campaign Rates *Should there be any Overnight Policy Rate (OPR) change, the offer rates may be revised. |
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Mar 22 2017, 01:18 PM
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Junior Member
300 posts Joined: Jan 2003 From: Petaling Jaya 
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maybank islamic has 3.7% for 5 months...until end of this month if not mistaken...
affin islamic has 4% for 12 months, however there are some guidelines as per below... 1. at least CASA & FD > 100k in the bank 2. Fd placement has to be 20k or more it expires 24th of march for the ss2 branch however i was told the offer is rotating between branches...it is called customer appreciation promo... |
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Mar 22 2017, 02:45 PM
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Junior Member
180 posts Joined: Sep 2009
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Went to HLB today to place conventional fd @ 4.05% for 6-months. Must be fresh fund
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Mar 22 2017, 03:33 PM
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Junior Member
407 posts Joined: Jul 2005
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What does fresh fund mean usually?
If I were to remove let's say RM10k from PBB, how long do I have to wait only can put it back in and be considered as fresh fund? Is it the same concept/terms for fresh fund for every bank in Malaysia? |
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Mar 22 2017, 05:03 PM
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Senior Member
1,311 posts Joined: Oct 2012
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QUOTE(jimhorn @ Mar 22 2017, 03:33 PM) What does fresh fund mean usually? Some banks consider fresh fund as within the last 3 days, or some banks within 1-2 days. So depends on bank.If I were to remove let's say RM10k from PBB, how long do I have to wait only can put it back in and be considered as fresh fund? Is it the same concept/terms for fresh fund for every bank in Malaysia? |
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Mar 22 2017, 05:18 PM
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Senior Member
1,593 posts Joined: Aug 2006
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CIMB Wisma Genting, rate 4.2% for 1 year.
They didn't specify the minimum amount, seems like they are quite flexible. I was told min is 4.15% and max is 4.2%. As shared by many they need to obtain HQ approval. This rate ends this Friday. Please ask branch directly for best rate Attached thumbnail(s) 
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Mar 22 2017, 05:34 PM
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Junior Member
127 posts Joined: Nov 2013
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QUOTE(cybpsych @ Mar 21 2017, 11:13 AM) Maybank FD/IFD-i Triple Bonus Campaign (4 + 4 + 4 months) [ MBB | T&Cs (Conventional) | T&Cs (Islamic) ] Enjoy great rates with a minimum fresh deposit of RM10,000 for Individual or RM25,000 for SME/Business Banking customers in a single certificate. Offer is open to Maybank / Maybank Islamic customers and is applicable for Conventional and Islamic Fixed Deposit placement of fresh funds made over the counter only, at any Maybank or Maybank Islamic branch in Malaysia. The campaign is valid from now till 12 April 2017 or upon reaching the overall limit, whichever is earlier. FD/IFD-i Triple Bonus Campaign Rates *Should there be any Overnight Policy Rate (OPR) change, the offer rates may be revised. I moved some fund to this promo under Islamic as I was told quota for conventional FD is finished. This post has been edited by vseries: Mar 22 2017, 05:37 PM |
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Mar 22 2017, 05:43 PM
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Senior Member
6,614 posts Joined: Mar 2011
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QUOTE(msa9696 @ Mar 22 2017, 05:18 PM) CIMB Wisma Genting, rate 4.2% for 1 year. Thanks for the info. Last week I have placed in CIMB for 4.15%, now went up to 4.2%, wow ! They didn't specify the minimum amount, seems like they are quite flexible. I was told min is 4.15% and max is 4.2%. As shared by many they need to obtain HQ approval. This rate ends this Friday. Please ask branch directly for best rate  Next week have to talk to CIMB BM see if offer extended ! |
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Mar 22 2017, 08:18 PM
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Junior Member
407 posts Joined: Jul 2005
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QUOTE(familyfirst @ Mar 22 2017, 05:03 PM) Some banks consider fresh fund as within the last 3 days, or some banks within 1-2 days. So depends on bank. Hmm but what about when I move the money out, then back to the same account? Need wait how long only can if like that.Haha not enough money to move from my account in another bank  |
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Mar 22 2017, 08:26 PM
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Junior Member
249 posts Joined: Nov 2009
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Hi sifus, i see alot of good rates (4%++) being mentioned here from branch bank but I couldn't find any from official website. Do you go bargain with the bank counter/ service of the branch?
Assuming I have RM 40,000 for FD, should i try to bargain with the branch bank or just search for promotions available from official website? |
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