It'll be a valid concern if BR is going to wind up in near term; let's say coming 3 years.
Banks are protected institutions in Malaysia; BNM won't easily let a bank to close shop.

How much is their 5 years offer for FD?

Record of pure OTC FD promos unless specified otherwise as at Wednesday 12 November 2019.

1) Affin - no promo.

2) Alliance Bank - no promo.

3) AMB - p1m12 at 3.05% till 30 Nov 2019.

4) Bangkok Bank - no promo.

5) BIMB (Bank Islam) - no  pure promo.

Bundle MoneyMax Wafiyah Investment 80 : Al Awfar 20 earmark p0m6 100k FF  till 31 January 2020 effective rate 3.79%.

6) BKR (Bank Kerjasama Rakyat) - no promo.

7) Bank Muamalat - no promo.

8) CIMB p0m6 at 3.9% 10k AF. p0m12 at 3.8% 10k AF ufn.

9) HL p0m3 at 3.75%, p0m6 at 3.85% 10k FF till 30 Nov 2019.

HL eFD FPX p0m6 3.9% 10k FF.

Bundle FD 10: CASA 1 earmark p0m6 at certain branches. Please check Effective Rate applicable for you.

10) HSBC - no pure promo. Premier accounts upwards with investment bundle.

11) MBB - no pure promo.

13) MBSB - no pure promo.

Bundle FD 75 : PrimeWin CASA-i 25 earmark 30k FF from 15 Oct to 31 Dec 2019. FD at 5.5% p0m6. PrimeWin CASA-i at 0.5% profit at end of each calendar month. Effective Rate 4.25%. With lucky monthly and quarterly draws.

14) OCBC - no promo.

15) PBB - p0m3 at 3.5%, p0m6 at 3.7% 10k FF till 31 Dec 2019.

16) RHB - p0m6 at 3.8% 10k FF from 3 Oct till 30 Nov 2019.

17) SC - no pure promo.

18) UOB - p1m7 at 3.7%, p1m9 at 3.85% 10k FF ufn.

HAPPY NEW YEAR

Revised on Tuesday 11  February 2020 after walk around FD Survey from various PJ branches after telephone calls to call centres and branches.
Please check with your bank branch as answers/info may differ between different branches, staff and different days.

NO PROMOS AT 6 BANKS

BSN, Bank Islam, Maybank, MBSB, Bank Muamalat, Bank Rakyat.

PROMOS AT 10 BANKS

1) AFFIN from 3 Feb ufn or when target reached for these rates. OTC.
3.65 % p0m12 and 3.70 % p661m13, p663m15, p6m18, p6m24, p6m36, p6m48, p6m60.
minimum 10k FF per deposit, maximum 100k FF per depositor.

You may need to talk to your branch as I was told 3 different versions.

2) ALLIANCE from 23 Jan to 31 Mar 2020 Exclusive 100 FD : 10 CASA Campaign for Astro Monthly subscriber. OTC.
Astro subscriber can only choose to make only 1 deposit.
Minimun 10k FD :  1k CASA  earmark (min 11k FF). Maximum 50k FD : 5 k CASA earmark (max 55k FF).
Choose either 3.95 % p0m3 or 3.90 % p0m6 for FD portion..

Calculate the actual collection relevant to your deposit and CASA. Nominal EIR are 3.95 x 100 /110 = 3.59 % and
3.90 x 100 / 110 = 3.54..%

ALLIANCE from 10 Feb to 31 Mar 2020 promo OTC.
50 FD : 50 CASA earmark.
From minimum 10k FD : 10k CASA earmark (min 20k FF).
3.80 % p0m6 for FD portion.

Calculate the actual collection relevant to your deposit and CASA. Nominal EIR is 3.80 x 50 / 100 = 1.90 %.

3) AMBANK OTC from 17 Jan to 31 Mar 2020.
3.98 % p0m3 70 FD : 30 CASA earmark.
From minimum 14k FD : 6k CASA earmark per placement (min 20k) to maximum 210 k FD : 90 k CASA earmark per depositor (max 300k).

Calculate the actual collection relevant to your deposit and CASA. Nominal EIR is 3.98 x 70 /100 = 2.786 %.

4) BANGKOK from 31 Jan to 31 Mar 2020 pure FD. Minimum 5k FF OTC.
3.70 % p0m3
3.75 % p0m6 and p0m9.
3.85 % p0m12.

5) CIMB (Jaya One, PJ branch). Minimum 10k FF ufn. OTC.
3.45 % p0m6.
3.50 %  p0m12.

Please check with your branch, as may have branch differences - one branch said no promo, another gave lower offers.
All 3 branches in PJ - I just mention the best one I visited.

6) HONGLEONG till 29 Feb 2020, 3 pure FD.

3.60 % p0m6 eFD FPX minimum 10k FF.
3.45 % p03m OTC FD minimum 10k FF.
3.55 % p06m OTC FD minimum 10k FF. (Previous day was told 3.50 % on the phone.- please check)

TIA (Islamic investment, no PIDM) 3.88 % p06m placed thru internet.
29 Jan to 18 Feb 2020.

7) OCBC till 29 Feb 2020. Min 10k FF OTC.
3.40 %  p01m6

OCBC every Saturday in February 2020 at certain conventional branches
3.48 % po1m9

8) PBB 8 Jan to 31 Mar 2020. Min 10k FF OTC.
3.25 % p0m3
3.30 % p0m6

9) RHB from 6 Feb to 31 Mar 2020.Pure FD.
3.55 % p0m6 min 10k FF OTC.

10) UOB Islamic only. Minimum 10k FF. OTC.
3.45 % p1m7
3.50 % p1m9
IS THE FD RATE OFFERED COMPETTIVE AGAINST THE USUAL BOTTOM BOARD RATE REFERENCE?

BSN board rate wef 31 January 2020.
3.20 % p0m12.

COMPARING AGAINST THE BETTER FD BOARD RATE BANKS

BANK RAKYAT
2.95 % at m1
3.00 % at m2
3.10 % at m3, m4, m5
3.25 % at m6, m7, m8
3.30 % at m9, m10, m11
3.50 % at m12, m15, m18
3.60 % at m24
3.70 % at m36
3.75 % at m28
3.80 % at m60

MBSB
2.85 % at m1, m2
2.90% at m3
2.95 % at m6
3.05 % at m9
3.15 % at m12
3.20 % at p0m15, 3.15 % at p3m15, 3.10 % at p1m15
3.25 % at p0m18, 3.20 % at p3m18, 3.15 % at p1m18
3.30 % at p0m24, 3.25 % at p3m24, 3.20 % at p1m24
3.35 % at p0m36, 3.30 % at p3m36, 3.25 % at p1m36
3.35 % at p0m36, 3.30 % at p3m36, 3.25 % at p1m36
3.40 % at p0m48, 3.35 % at p3m48, 3.30 % at p1m48
3.60 % at p0m60, 3.55 % at p3m60, 3.50 % at p1m60

AFFIN
2.75 % at m1, m2
2.80 % at m3, m4, m5
2.90 % at m6, m7, m8
3.00 % at m9, m10, m11
For 12 months and above, refer to write-up on AFFIN in promo section.

Below received from OCBC RM:

*FD Promo Rate effective 1st April 2020 :*

*6 Months FD*
🔸 3.10% p.a.
🔸 Minimum Placement RM1K

*12 Months FD*
🔹 3.25% p.a - *FULL FRESH FUNDS*
🔹 3.20% p.a - *EXISTING FUNDS/ TOP UP*
🔹 Minimum Placement RM10K

The above rates are available for both Conventional & Islamic FD.

AmBank 3.5% 6/12 months got no competitor now. Not even close.

You need to have a savings/current account with the bank
For ambank, need to have an account with a debit card in order to have online banking privileges. I picked the BSA that comes with a debit card. Initial opening deposit RM200, RM12 annual fee for the debit card.

BSA got 2 types: one with fee and another one without fee

https://www.ambankgroup.com/eng/islamic/Isl...ngsAccount.aspx

i tried just now for 10k . then the esecure did not work
so i reinstalled it on the phone and created a new pin - 5 number and 1 alphabet
then i can place the FD
had to do multiple times ie 10k per placement     

If you have RM 50k, 100k or even 500k to place, you can place it at the counter.
You'll get the same rate as per somebody sharing yesterday.

i just checked the tac for pbe fd via fpx, it says

"The maximum deposit amount per FPX transaction is RM30,000 or the Eligible Participant’s individual Internet Banking Limit maintained with the respective bank, whichever is lower."

If im placing 120k, does it mean i have to do the transaction 4 times? So there will be 4 placement?

What is CASA? Do we need to pay any service fees for Casa?

https://www.cimbclicks.com.my/efd-may20.htm...ASAAEgJwZPD_BwE

this eFD CIMB no need fresh fund right?

It would be helpful if everyone here writes down the reason for transferring out the rmoney as "Placing FD at Bank ... at higher ... % for ... mths". This will give a strong and convincing quantitative feedback to the bank management to raise their rate when they see proof of the trend. I do this always nowadays, and yes the banks do respond with a better rate after I done it although the benefit falls on others and my later maturities.

I already made will and a list of all the accounts, IDs and password to my waris when I Sayonara. C'mon lah. Will writing just a few hundred bucks only. Like that want to skimp? Later your beneficiary gets into law trouble lagi susah.

Or you can word it in such way all bank acct etc goes to your beneficiary.. only if you have single beneficiary, so any acct changes or new bank, all covered... at least that what rockwill advised....

I GIVE all my monies in FIXED DEPOSITS or SAVING  ACCOUNTS    standing to my credit  in my jointly owned
bank/investment account(s) maintained with any banking, investment and  financial institution(s) in Malaysia to my surviving joint bank/investment account(s) holder(s) absolutely. IN THE EVENT that my joint account holder(s) does not
  survive me, then the benefit that he/she would have received shall be distributed to my beneficiaries in equal shares as
  follows:-
I GIVE AND BEQUEATH all my other investments or monies under  my sole name standing to my credit maintained with any banking ,  financial or  security institutions in Malaysia together with all dividends                   
          already  accrued, due or accruing thereon at my death to my ............absolutely to be                     
          transferred or paid to her as soon as possible after my death.

You can specify those accounts but if you keep having new placements and forgot to update or not updated "in time" you still need a bkanket cover all clause like above...just in case