Bank Muamalat 4.3% still available?

tenure how long please?

No more, 1.5 months after the launch, they reduced to 4.2%

Mistake, its 4.3%

HLB 7.00% Promo for 3 months
Anyone know further details about this promo by HLB? Seems can't find any details in HLB website.
What is Smart Value Saving Plan? Where can I find the T&C and minimum deposits?

Did a placement at Bank Muamalat. Purchased Banker Cheque from RHB for FD placement. Firstly, each cert must have value above 100k only entitle for 4.3%. Have some problem with counter staff who insist placing FD with dual name , Banker Cheque also must have dual name  . Managed to place it after making some noises, however officer say rule will apply to personal cheques. Got cert and placement date on the same day.

HLB priority, RM 0.68 

Its laughable and illogical. But nowadays feeling very lazy to argue with them.

I have 100k extra cash, and wanting to buy a new car. Should I put the 100k cash into a bank to earn 4% interest and take a 100k loan for 9 years with 3.5% interest for a new car?
Or i should use the cash to buy the car directly.

Received a call today from hong Leong bank saying they are offering 4.88% p.a for 6 months for their branch opening at Damansara City on 3/11/2017 (Friday). Accordingly, the offer is valid at that branch only.

Asked if it is a pure FD, answer is yes though it sounds good to be true. Minimum 10k must be fresh fund. Interest paid upon maturity, not monthly. Called up the same number (03-2777 1778) to confirm the rate again but the CS (different person from that who called me, didn't take her name down) was unsure. Anyway, for folks who are interested, perhaps you may try to call prior to visit / drop by on that day.

Called up the number but the rate is not announced yet.

https://www.hlb.com.my/en/personal-banking/...ning-promo.html

Other Hong Leong branches now 4.2% promo for 10 months.

Any better deal out there?

Please be reminded, the promo has one condition that 10K needs to be earmarked in CASA to be eligible.

Edited (earmarked for 2 months)

Thanks for the info.
Only senior citizens get monthly interest .

Renew the Ambank fd 100k just only manage to get 4.25 for 1 year

If you put FD now @ 4.3%, you will get about the same effective yield compare to you wait 2 weeks time and put FD @ 4.5%. Provided that you can secure a 4.5% rate in 2 weeks time. Anything longer than 2 weeks time, your effective return will be lower than 4.3% FD placed today.

Not choice just call rm that the min is 50k need approved.. will transfer the Ocbc 100k to Ambank since both bank are neighborhood only .. few step will do ..

Went to 2 hong leong branches just now, and they dont allow me to open a saving account without the atm card.

My account with HLB is cardless. One less card to maintain and to worry about. Use app to withdraw money.

My first experience with AmBank, I've already given up totally and will never bank with them in future. I took Uber all the way to Menara Ambank at KLCC after calling them to confirm the 4.4%. The best part is, they were so good at "recognizing" their staff voice within seconds and told me it was not their staff (all my conversation was recorded, so I proved to them)
I spoke to both Asst Branch Manager (Irene) and Branch Manager (he said he's Lay, refused to reveal full name).  Both were adamant that I was creating story (as I told them my friend got 4.4%).

Went to Alliance Bank, got 4.38%. Not without issues though, waited for 30 min, reached my turn, then told me PIC not around (don't know go where MIA). After that keep calling PIC, waiting some time he came back. Then cannot find the relevant forms, keep finding here and there. I really wonder what's wrong with banks employees nowadays, if they don't want business don't do promotion

Where is the info about the effective rate?

Did any of you guys noticed the Bank Islam TDT-i GO 7% promo is effective from 8 February 2018 in the Terms and Conditions. Makes one wonder how much earlier profit one can miss by depending on websites, brochures, or not believing or being biased, or ignoring the First Principle about FD promos.

Bank Islam has always been rather interesting in cooking up various promos and packages which need some explaining, but once in a while can mention when its straight FD product is reasonably competitive.

The 4.65% is of course just obtained by adding up all the quarter rates and dividing by 8 (37.2/8) for a rough estimate of the Effective Rate. For 1st year, 16.4/4=4.1% and 2nd year 20.8/4=5.2% roughly.

This is a very simple step-up FD, and clause 5.5 means you really need a casa for the quarterly profits to be creditted/paid. (not add to principal). No need to get excited with words like rollover.

The clauses that should get you steamed or excited is under Premature Withdrawals 5.3 i and 5.3 ii.

It has been some time, so whether there are any changes/improvement on operational issues on cheque clearance time and the issue of bank cheque versus transfers may have to be revisited and revised.

wow... if eff rate 4.65%, then i should hv put there instead of rhb's 4.38%.