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

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cybpsych
post Jul 7 2018, 06:12 AM

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This post has been edited by cybpsych: Jul 7 2018, 06:16 AM
cybpsych
post Jul 7 2018, 06:24 AM

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QUOTE(buddy @ Jul 7 2018, 06:19 AM)
3 months 4.37% available...can do multiple fpx..i think unlimited
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yeah, did few placements, min rm10k/placement. if can be lower to rm5k/placement, is better biggrin.gif
cybpsych
post Jul 7 2018, 08:00 AM

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QUOTE(Flicx @ Jul 7 2018, 06:27 AM)
A bit unclear on prevailing rate meaning.

If we put auto renew does it mean the next 3 month and subsequent will also get 4.37?
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prevailing board rate.

meaning 4.37% p.a. @ 3mth is for 1 cycle only. upon renewal, it will auto-renew to prevailing (current, at the point of renewal) board rate, NOT promo rate.

e.g. placement on DD 7/7, maturity on 7/10. on 7 Oct, it would renew to a new cycle of 3mth tenure based on the rate @ 7 Oct. <-- unless your magic crystal ball is super accurate, rate in the FUTURE may change, right?

all these promo/special rates rarely run continuously.
cybpsych
post Jul 10 2018, 04:12 PM

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with a big "call us for more info", probably there are some other products attached to the FD rate.
cybpsych
post Jul 10 2018, 09:13 PM

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QUOTE(TOMEI-R @ Jul 10 2018, 06:06 PM)
Isn't FPX is limited to max Rm30k for one bank per day?
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not sure. i only placed 3x RM10k placements. just nice.
cybpsych
post Jul 10 2018, 09:30 PM

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QUOTE(WinterDays @ Jul 10 2018, 09:28 PM)
what is the advantage doing 3x RM10k instead 1x RM30k?  confused.gif
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flexibility to withdraw partial
cybpsych
post Jul 10 2018, 09:35 PM

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QUOTE(TOMEI-R @ Jul 10 2018, 09:34 PM)
Yes bro.. its max Rm30k limit per day per transaction.
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it doesnt matter to me. i didnt place >30k anyway. i just ngamgam rm30k, so the limit is irrelevant to me.
cybpsych
post Jul 12 2018, 05:29 PM

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QUOTE(jusTinMM @ Jul 12 2018, 01:48 PM)
Hi any promo for uob bank?
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got this today.

RM0.00 UOB Cheras: Visit us on Saturday 14/07/18 (10am-3pm). Enjoy 12 mths FD promo rates of 4.38%pa with min RM10k new funds. Info, call 03-91062788. T&C apply
cybpsych
post Jul 16 2018, 08:48 PM

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Grow your savings with our exclusive fixed deposit promotion. [ HLB | T&Cs ]
14 JULY 2018-31 AUGUST 2018

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cybpsych
post Jul 20 2018, 10:18 PM

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QUOTE(Lineage @ Jul 20 2018, 07:55 PM)
Update:- Just placed FD in UOB today. Fund from CIMB to UOB, instant and without any fee. UOB banker told me i can straight tranfer to my UOB saving acc, any fund transfer into saving acc within 7 days consider fresh fund. The best thing is CIMB IBGT is free and good to know UOB IBGT also free..

Wondering why Maybank still charge until today..  sweat.gif  rclxub.gif
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mbb dont charge for instant transfer up to rm5k/transfer. can do multiple transfers if >rm5k
cybpsych
post Jul 26 2018, 03:56 PM

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QUOTE(Deal Hunter @ Dec 22 2017, 11:15 PM)
pXm short code for interest payment in FD jargon

0 - 0 months involved meaning interest only on maturity
1 - monthly intervals
3 - 3 monthly intervals
6 - 6 monthly intervals
12 - yearly interval
663 - sometimes used for 15 months FD
s - end of each step of varying intervals

Other usual FD jargon short forms

FF - fresh new fund deposited into bank within a period accepted and as interpreted by the bank
AF - any kind of fund, mix of existing, matured or additional FF can do.
TF - top-up requirement added to redeemed  existing matured fund
IBD - interest bearing days used for calculation of interest/profit
ED - Effective Date when bank starts counting IBD, may be later due to clearing of depositor background and fund.
MD - Maturity Date when bank stops counting IBD and you can redeem on that day.
p.a. - per annum - interest or profit rate expressed usually as a percentage for a year fixed as always 365 days long, or 366 days for leap years for some banks (eg Maybank).
ER - Effective Rate. imprecise indicator p.a. rate where months are all the same non-existent imaginary length 365/12 or 366/12 days long used for step type FD.
CASA - current or saving account
FD - Fixed Deposit, the pure type.
UFD - UnFixed Deposit where certain parts of principal can be taken out under specific rules.
BFD - Bundled FD with other financial products/complications bundled together.
earmark - certain sum to remain in CASA for full or specified length of time to obtain the rate otherwise some kind of loss.
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QUOTE(fairylord @ Jul 26 2018, 03:44 PM)
I see, is p0 means interest payable upon mature?
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cybpsych
post Jul 30 2018, 05:21 PM

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NEW BRANCH OPENING [ HLB | T&Cs ]
02 AUGUST 2018-17 AUGUST 2018

Visit our new branch in Burmah House, Penang and enjoy limited time offers.


Exclusive 1-DAY Offers on 2.8.2018!

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cybpsych
post Aug 1 2018, 08:39 PM

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QUOTE(cybpsych @ Jun 28 2018, 06:12 PM)
PB eFD Campaign

Please be informed that the Campaign Period of "PB eFixed Deposit (PB eFD)"has been extended to 31 August 2018.

Click here for the revised Terms and Conditions.

- 28 June 2018

PB Special FD/TD-i Campaign

Please be informed that the Campaign Period of “PB Special Fixed Deposit / Term Deposit-i” has been extended to 31 August 2018.

Click here for the revised Terms and Conditions

- 28 June 2018
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QUOTE(thenuts15 @ Aug 1 2018, 07:33 PM)
Anybody has info on Public bank latest FD promo?
Thanks
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old promo, extended till 31 Aug
cybpsych
post Aug 2 2018, 02:00 PM

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QUOTE(ManutdGiggs @ Aug 2 2018, 01:43 PM)
1 thg I dislike bout most banks requesting for ff. Annoying and troublesome to users.

Not sure what's the reason behind it.
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"preceived" new/fresh fund into the bank
cybpsych
post Aug 2 2018, 02:11 PM

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QUOTE(ManutdGiggs @ Aug 2 2018, 02:08 PM)
And remove current fund as ff into other competitors???
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that is given, if customer choose to move to other banks. it's your decision.

for current bank, mostly accept "top-up" to the existing fund to make it "fresh". so, from current bank's perspective, it's "new fund" (vs original fund).
cybpsych
post Aug 9 2018, 07:54 AM

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QUOTE(key91 @ Aug 9 2018, 01:54 AM)
MBB has always not offering the best rates but still I prefer to place with it for easy monitoring.

Anyone knows the latest FD deals for MBB? Be it e-placement or OTC.
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use the [SEARCH] function in this topic using "mbb" keyword. you get answers for those posted maybank fd info.
cybpsych
post Aug 9 2018, 08:28 AM

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QUOTE(Deal Hunter @ Aug 1 2018, 02:32 PM)
Correction:-
Bank Rakyat Promo 1 August to 31 October 2018, minimum 10k FF.
4.3% p0m7
4.5% p0m11
Interest creditted on maturity into compulsory CASA.
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QUOTE(thkhai @ Aug 2 2018, 06:29 PM)
New FD promotion from Bank Rakyat,

4.50% p.a. for 11 months . min Rm10k.
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QUOTE(D-Zire @ Aug 9 2018, 08:18 AM)
I received an sms in regards to Bank Raykat’s promo.
Anyone got the same sms as well?

BANK RAKYAT
EXCITING FIXED DEPOSIT PROMOTION RATE !!!

7 Months : 4.3%
11 Months : 4.5%

Min RM 10k / Fresh Fund
Ends 31 Oct 2018 / T&C
Visit us at Bank Rakyat Glo Damansara

For any inquiries, Please Call Our Officer :-

Nazirah : 0193902481
Faridun : 0122512364
Sariyah : 01116997736
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cybpsych
post Aug 27 2018, 02:57 PM

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Important Notice on Amendments to Unfixed Deposit/FRIA-i Terms and Conditions


https://www.cimbbank.com.my/content/dam/cim...deposit-eng.pdf

BM: https://www.cimbbank.com.my/content/dam/cim...-deposit-bm.pdf
cybpsych
post Aug 29 2018, 04:23 PM

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https://www.ambank.com.my/ambank/SiteAssets...dDepositTnC.pdf

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cybpsych
post Aug 30 2018, 07:05 PM

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https://www.hlb.com.my/en/personal-banking/...it-account.html

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