you need at least 100k to bargain

you can try...but higher chance if your FD is >200k

that's a good rate. Thanks for sharing

Banks' official websites usually will mention their normal board rates, but not necessarily all their various products.
Banks can bear the cost of producing and showing large or long running promos for general public in newspaper and website, but may have some cost benefit and updating problems when dealing with short running, not too attractive promos or niche promos. So it is understandable not to have some promos not shown in banks official website.
Usually I just go to an area with a lot of banks, and take a stroll around and ask the receptionists or counter staff what FD promos and brochures they have. I normally try to avoid telephone enquiry, websites and talking to customer service people.
Normally 40k is not enough for bargain with banks.

This post has been edited by Deal Hunter: Mar 22 2017, 09:56 PM

Wow mana branch last week put 4.15%. felt cheated... mind giving info so can tembak the BM.

No need nego.. Just pick the best and convenient bank to go for placement- not all nego gives u anything and the RM Will hardcore sell u some investment stuff along the way for higher returns you are looking for... lol


more banks are taking this approach whereby they have this weekly rates changes thing.. Last time AMB was doing the same so dont think you can argue with them succesfully... Just to release some anger by tembak-ing that BM?
They will probably tell u the management bla bla sets the rates etc lol

Actually one forummer mentioned this on 6/3. I took the offer last week. Has shown the cert here last week as well.

It seems CIMB is having short term FD promo, like this week it was said 4.2% 12 mth. I just hope next week I can get the same 4.2% rate.

Even bbgoat last week also dapat 4.15% d.. i get 4% only but without fresh fund. still if withdraw today and get extra 0.2% worth it also..

What is the difference between FD Conventional & FD Islamic?

Sorry for noob question...,

I assume u are CIMB's Preferred customer. Have to see if the 0.2% is worth the interest lost since FD last placed.

CIMB Penang holding seminar in E&O Hotel in early April.

Perak cimb as usual kiamsiap and bojio one or maybe still kacang putih to them. Is it market outlook or some product selling again? haha difference of 6 days only, still earn...

anyway out of fd question, did they jio u on that maybank equity linked that promised 6.XX%?

What is the difference between FD Conventional & FD Islamic?
Interest rates for FD the same or different?
Thanks!

Is this for over the counter or for online?
When does the promotion ends?
Do you need to open a savings/current account?

The CIMB looks like really competing in getting FD money with the attractive FD promo !

The CIMB seminar really long, 9am to 1.30pm (as compared to Citigold dinner event) with refreshment and lunch throw in E&O Hotel. No, the RM did not try to sell me that MBB one.

Wondering what's the seminar up to.. cant wait for your facebook live video during the seminar..

This post has been edited by Icona Pop: Mar 23 2017, 12:13 PM

Just received HL SMS on FD promo. It only stated 6 mth 4% for their Priority Banking, min 10k. Maybe the 4.05% is for bigger amount. Anyway I am looking at CIMB offer now.

Seminar is for update from their UT partners, Legacy planning, market updates etc.

With lucky draw, buffet lunch ...............

Whose FB live video ?

http://www.alrajhibank.com.my/page/persona...eposit-campaign

thanks to all sifus for my previous question. went to CIMB today in Kuching, they have a FD promo 12 months 4.10%. minimum 500k to nego

That's crazy, seems like really every branch is so different

Hi Sifus, may I know the effective rate for affinbank fd promo ? lets say the 6 month 3.78% and 18 months 4.1%? Since now my 10k is parked at CIMB eFD conventional rate, if I take out and top up a bit can I request for 4.1% ? I saw someone mention 4.0% if not fresh fund. Which is better ? affin or cimb ? thanks