they had.

100k 4.0 pa 12M
250k 4.28 pa 12M

Normal staff shy or don't know. Maybe you have to go to special room for the rich before they say anything or if they try to make you Privilege (50-250k), Premier > 250k), or Private customer.

Anyway the rates are so poor, I don't understand why anyone would bother to transfer to Maybank for this kind of rate. Previously when they had competitive GIA rates, no problem going big for Maybank. But after that, bye-bye.

3.75%

EFFECTIVE RATES METHOD - HOW TO and EXAMPLES

You can use the usual effective rate method if not interested in exact answer
Ratio 3 FD:1 SA
Make it easy for calculation, 75,000 in FD at 5% for 3 months get RM 937.50.
25,000 in SA for 3 months.
Total sum 100,000 locked for 3 months.

Alliance Bank have a number of different Savings Accounts with different rates, when credit or reward for incremental deposit (refer to their website and telephone if interested)
For example, just taking their lowest rates for their various tiers.
Normal Savings Account will be at 0.1% up to 50k, interest creditted half yearly.
BSA at 0.25% up to 30k.
Senior Savings at 0.35% up to 50k.
My eSaving at 0.65% up to 50k. Interest  creditted monthly. with 3% reward for monthly deposit scheme.

Thus Normal Savings - get 6.25. Total 943.75 which is 943.75 /100,000 x 12 / 3 =3.775%.
BSA - get 15.62. Total 953.12 which is 953.12 /100,000 x 12/3= 3,812%.
Senior - get 21.87. Total 959.37 which is 959.37 /100,000 x 12/3 = 3.837%.
My eSavings - get 40.62. Total 978.12 which is 978.12 /100,000 x 12/3  = 3.912%.

I have not placed any Alliance FD recently and not sure whether they had changed from old style  monthly calculation to number of Interest Bearing Days (IBD) calculation. For those interested in this every Friday in January 2019 promotion, there are only 90 IBD if Alliance had changed their way. That means, get less than above calculated examples but the prorated effective rate for a year is still like above.

better go for CIMB  4.4% monthly interest , easy
BI 4.65% but susah.

thanks for sharing the update n congrats on getting the what you should have.

sometimes it’s not about the amount, but the principle that matters, big organization like this should have better SOPs instead of taking advantages of their customers, esp those lack of info or feeling not worth the time to “fight” for it.

https://www.ambank.com.my/eng/promotions-page/AmOnlineCNYeFD

ambank e-FD 4.28% p.a 8 months

loongzai2

Don't waste your time hoping to see such promos in websites of CIMB, Ambank or Maybank. Sometimes come and go in a week, or only at some branches.
For the CIMB, it may be changed or maintained anytime next week. Call your branch. Or see whether anyone post which branch still running it on which day (but the next day may suddenly stop).

i just open account and placed FD in AffinBank, after i back home, i just checked my online banking, why the fixed deposit detail did not appear in my online banking? i just able to see my saving account details

assuming placement today, maturity 27 Dec 2019. interest earning 384.33

you are confused with your own % rate