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

owodog91
post Dec 22 2016, 09:50 AM

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RHB 6 month 4.1% minimum 50k still available
pearl_white
post Dec 22 2016, 11:25 AM

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If you choose to have monthly interest credited, will you still get 4.2%? I see it is usually 10 basis points lower if you choose monthly.

Do you think if you have RM1mil for 9 months will get better than 4.2%?

QUOTE(bbgoat @ Dec 21 2016, 10:31 PM)
Congrates on V15 ! thumbup.gif

I am looking for FD promo's. guy3288 posted on below which seems to be good rate for me for the 9 mth one:

"MBSB negotiated rate 4.15% 6month min 50k, 4.2% 9 month min 200k"

Hoping that Jan will have even better FD promo !  rclxms.gif
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laymank
post Dec 22 2016, 03:46 PM

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QUOTE(pearl_white @ Dec 22 2016, 11:25 AM)
If you choose to have monthly interest credited, will you still get 4.2%?  I see it is usually 10 basis points lower if you choose monthly.

Do you think if you have RM1mil for 9 months will get better than 4.2%?
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I don't know of any FD that will get less interest if you chose to have the interest credited to saving account monthly.

And if you have 1 million, best to walk into branch and negotiate for a better rate than 4.2%
bbgoat
post Dec 22 2016, 05:35 PM

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QUOTE(laymank @ Dec 22 2016, 03:46 PM)
I don't know of any FD that will get less interest if you chose to have the interest credited to saving account monthly.
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MBSB has that "feature", check the below table:

http://www.mbsb.com.my/deposit_fixed_islamic.html
starry
post Dec 22 2016, 07:03 PM

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QUOTE(owodog91 @ Dec 22 2016, 09:50 AM)
RHB 6 month 4.1% minimum 50k still available
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Thanks for the update thumbup.gif
Just placed this afternoon biggrin.gif
drbone
post Dec 22 2016, 07:36 PM

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QUOTE(starry @ Dec 22 2016, 07:03 PM)
Thanks for the update  thumbup.gif
Just placed this afternoon  biggrin.gif
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Any idea till when?
raptar_eric
post Dec 22 2016, 09:10 PM

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QUOTE(starry @ Dec 22 2016, 07:03 PM)
Thanks for the update  thumbup.gif
Just placed this afternoon  biggrin.gif
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Need to have CASA?
TSOM
post Dec 22 2016, 09:11 PM

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regret didn't place more FD in Maybank eFD flexi campaign in may for 4.31% ... sad.gif

now cannot find any better deals...

This post has been edited by TSOM: Dec 23 2016, 09:10 AM
Deal Hunter
post Dec 22 2016, 10:13 PM

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QUOTE(drbone @ Dec 22 2016, 07:36 PM)
Any idea till when?
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RHB promo till 31 Jan 2017 unless target quota met earlier

This post has been edited by Deal Hunter: Dec 22 2016, 10:15 PM
tonytyk
post Dec 22 2016, 10:18 PM

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QUOTE(TSOM @ Dec 22 2016, 09:11 PM)
regret didn't place more FD in Maybank eFD flexi campaign in may for 4.7% ... sad.gif

now cannot find any better deals...
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4.7% effective rate?
TSOM
post Dec 22 2016, 10:27 PM

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QUOTE(tonytyk @ Dec 22 2016, 10:18 PM)
4.7% effective rate?
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sorry, I read wrongly, it's 4.31% effective rate.

This post has been edited by TSOM: Dec 23 2016, 09:11 AM
Deal Hunter
post Dec 22 2016, 10:38 PM

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QUOTE(the99percent1 @ Dec 22 2016, 08:19 AM)
This time last year, there were plenty going for 4.5%. Whats going on?
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Lots of depositors still willing to place money at lower FD interest rates instead of highest rate. No pressure on banks to increase rates after last year's big collection to get more deposits especially with not strong demand/approval for loans. Banks happy to collect deposits at lower interest rates to lower overall cost of deposits.
raptar_eric
post Dec 22 2016, 10:59 PM

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Anyone know if rhb fd promo requires casa?
starry
post Dec 22 2016, 11:18 PM

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QUOTE(drbone @ Dec 22 2016, 07:36 PM)
Any idea till when?
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QUOTE(raptar_eric @ Dec 22 2016, 09:10 PM)
Need to have CASA?
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QUOTE(raptar_eric @ Dec 22 2016, 10:59 PM)
Anyone know if rhb fd promo requires casa?
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Till 31 Jan 2017 unless quota met earlier.
Yes, need CASA.

This post has been edited by starry: Dec 22 2016, 11:21 PM
yygo
post Dec 23 2016, 08:56 AM

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QUOTE(TSOM @ Dec 22 2016, 10:27 PM)
yeah, for 12 months, step up..... but now don't have liao ....

there were 3 stages, 3.xx%, 4.xx% and 5.xx%. Effective is 4.7%.
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got meh? rclxub.gif

pure fd? tis was not discussed in tis thread before. last 3 years no 12 months 4.7% fd lo.
TSOM
post Dec 23 2016, 09:04 AM

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QUOTE(yygo @ Dec 23 2016, 08:56 AM)
got meh? rclxub.gif

pure fd? tis was not discussed in tis thread before. last 3 years no 12 months 4.7% fd lo.
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sorry sorry .... I read wrongly... the current rate I'm receiving now is 4.7% but effective rate is 4.31% only. sad.gif

1-6th month = 3.4%
7-9th month = 4.7%
10-12th month = 5.75%

This post has been edited by TSOM: Dec 23 2016, 09:09 AM
heavensea
post Dec 23 2016, 10:31 AM

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https://www.imoney.my/articles/opr-expected...-be-cut-in-2017
bbgoat
post Dec 23 2016, 10:31 AM

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QUOTE(TSOM @ Dec 23 2016, 09:04 AM)
sorry sorry .... I read wrongly... the current rate I'm receiving now is 4.7% but effective rate is 4.31% only. sad.gif

1-6th month = 3.4%
7-9th month = 4.7%
10-12th month = 5.75%
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That is more like it. Before OPR cut in last July, MBB has not been offering FD as high as even 4.5% offered by other banks. Affin has 4.5% FD promo in July before OPR cut.
bbgoat
post Dec 23 2016, 10:38 AM

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QUOTE(heavensea @ Dec 23 2016, 10:31 AM)
That is kind of "old" news now (Nov 18th). With the USD rate going UP, what action BNM will take still need to be seen. biggrin.gif

This post has been edited by bbgoat: Dec 23 2016, 10:39 AM
kjlow88
post Dec 23 2016, 11:44 AM

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Hold it hold it haha

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