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

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apalexar
post Jan 17 2023, 10:04 AM

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QUOTE(romuluz777 @ Jan 17 2023, 09:45 AM)
This is for Bank Rakyat Sri Petaling branch ?
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Ambank sweat.gif
apalexar
post Jan 18 2023, 11:29 PM

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QUOTE(virtualgay @ Jan 18 2023, 10:45 PM)
cause i am hearing that some bank offer like 4.3% to 4.5% for 1 year if you are priority / premium
just feel a little unfair for ppl like me who is a M40 with little saving and cant enjoy high interest
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There's nothing fair or unfair here doh.gif
You can get up to 4.8% at pbb regardless priority or not
apalexar
post Jan 19 2023, 08:40 AM

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QUOTE(mavistan89 @ Jan 19 2023, 12:44 AM)
Well, those place below 250k is well protected by PIDM, those who place 2mil 3mil 4mil, max protection is only 250k. It seems unfair right, that's why bank need to give higher rate for these customer sector
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You got point here, also hope that one day got chance see PIDM functioning laugh.gif
apalexar
post Feb 5 2023, 03:04 PM

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QUOTE(CommodoreAmiga @ Feb 5 2023, 01:07 PM)
If same rates, I would take the one that is not TIA. Is Ambank's some TIA or straight FD?
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Ambank one is FD, 12m 4.3% for 200k or above and monthly interest available, but not sure now still available not.
apalexar
post Feb 5 2023, 03:27 PM

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QUOTE(Cookie101 @ Feb 5 2023, 03:21 PM)
Available till end of month.

Not necessary 200k. But u must be priority to be eligible. If first timer then u need 200k.

Branch has different practices btw. Was outstation and went to a different one for placement but was told no monthly for below 50. They say no such option for their system even they clearly can see there’s record of multiple placement with monthly. Not a major concern personally so just proceed. Otherwise you may want to go those allows monthly.
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Yeah true, assume one is not priority then min need 200k, and 10k will need to place in saving account but can be withdraw next day, hmm not sure why such condition needed hmm.gif

My RM told me last time monthly interest is only for elderly clients but it's now same for all clients, pj branch.
apalexar
post Feb 9 2023, 12:56 AM

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QUOTE(virtualgay @ Feb 8 2023, 10:59 PM)
4.4% ambank how many months? 12?
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I think the 4.4 is not pure FD, may refer to post earlier.
apalexar
post Oct 25 2023, 10:05 PM

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QUOTE(BoomChaCha @ Oct 19 2023, 07:55 PM)
But the issue is, True Saver only can issue bonus rate to the max limit of RM 100K deposit. shakehead.gif
Try to earn more money also cannot.. cry.gif
I asked these these rates Am Bank counter.
But better to ask RM to get a better rate from HQ.

I just placed this FD this afternnon, with RM's help, I was given 7.45% for 50% FD bundled with 50% True Saver at 0.75%, effective rate is 4.1% with monthly interest

AM Bank Pure FD Promo
4.00% for 10 months
Need to submit cheque
No need RM 10K ear mark in Saving
With monthly interest
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My 4.3% FD with AmBank going to mature in Jan, hopefully that time they can offer same or more interest blush.gif
apalexar
post Jan 22 2024, 07:17 PM

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QUOTE(DarkCoffee @ Jan 22 2024, 03:59 PM)
Ambank 3.98 still available  smile.gif
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Feel like my ambank RM useless, never inform me about this rate but provide info with rate lower than the eFD, always warn me to use fresh fund else HQ can check, and always ask me go branch take number and go counter instead priority customer.

Going move to SCB after this sad.gif
apalexar
post Jan 23 2024, 06:11 AM

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QUOTE(qu3vax @ Jan 23 2024, 01:02 AM)
recently i enrolled in scb, casa rate with 4.08%. hambalang cash flow into it now.
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Yeah plan to get that as well, after 6 months then place as normal FD if no better rate from other banks.
apalexar
post Jul 11 2024, 07:45 AM

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QUOTE(BoomChaCha @ Jul 6 2024, 04:26 PM)
This is a saving account promo, and it is also available for existing customers.

Capped at exact amount RM 1.5M or RM 350K per saving account per name of depositor.
Can joint name like A+B or B+A (second 1.5 M or RM 350K), dislike Bank Islam, either one to sign is allowed.

This means can only deposit min or exact RM 1.5M or RM 350K. If deposit extra, extra amount
will not get interest

Since it is a saving account, it has monthly interest, interest will pay 3 times from each monthly interest (one in month end and 2 in next month)

Better Rentas because cheque will need 3 working days clearance.

RM can open saving account without need to deposit to saving account before Rentas.
Effective date starts immediately on the same day after Rentas
RM can create online banking after deposit fund or Rentas
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Once do rentas transfer from Ambank to scb and failed, ask Ambank why failed and couldn't give proper reason, worry will fail again second time end up using cheque..

Btw received both 4.08% wealth saver campaign and 6 months 3.9% FD campaign from SCB, in case wealth saver not available for existing can consider switch to FD.

This post has been edited by apalexar: Jul 11 2024, 07:46 AM
apalexar
post Jul 17 2024, 07:22 AM

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Any good fd promo from Rhb, CIMB, Ambank recently? Unfortunately Scb insist must be fresh fund so no choice but to transfer other bank sad.gif
apalexar
post Jul 17 2024, 04:58 PM

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QUOTE(ericlaiys @ Jul 17 2024, 04:26 PM)
u can see it when u do the fd. it stated there, half 6 month interest payout.
confirmation email stated
Tenure : 18
Interest / Profit Payment Frequency : Half Yearly
Interest Rate / Profit Rate (%) : 3.80
Interest / Profit Payment Instruction on Maturity : Auto Renewal Principal & Transfer Interest to Account
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18 months 4.5% from Ambank just matured last month, miss those days..
apalexar
post Jul 17 2024, 07:31 PM

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QUOTE(ericlaiys @ Jul 17 2024, 07:24 PM)
interest will get higher if opr keep increase. with fed rate come down, opr and interest will sure down. already expected and may come early on sept
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Even fed rate remain same later I don't think bank will offer such high interest rate again like 18 months ago, that time I think highest got 4.8% for 24 months fd
apalexar
post Jul 18 2024, 05:08 PM

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QUOTE(virtualgay @ Jul 18 2024, 04:24 PM)
Last time 4% is not attractive but now want 4% also cannot find
Settle for best18 la

user posted image
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How about HSBC?
apalexar
post Aug 2 2024, 07:51 AM

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QUOTE(w19 @ Aug 1 2024, 05:58 PM)
SCB PB 5%pa 6 (Six) months FD.
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QUOTE(Hinote @ Aug 1 2024, 06:03 PM)
Really? Latest rate released today? Or is that just for premier customers only? Any T&C, more info please~
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I think it's type wrongly, should be 4% only
apalexar
post Sep 11 2025, 08:14 PM

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Hmm no one go for HSBC 4.28% TD?
apalexar
post Sep 12 2025, 11:09 AM

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QUOTE(Chiggah @ Sep 12 2025, 08:45 AM)
What’s the caveat? Need to join Premier or?
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Yeah join premier, min 50k and max 300k placement 6 months, no compound interest
apalexar
post Sep 13 2025, 05:30 PM

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QUOTE(brandonkl @ Sep 12 2025, 11:26 PM)
After 6 months with the 4.28% interest, can close the account.

This is what I did with SCB Priority Banking early this year when they offered 4.08% for 6 months for new priority customers (min deposit RM350k)
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Yes correct, actually was asking for SCB earlier but RM say I only can join back in Oct then I go for HSBC.

Edited: 4.28 is good enough but max only can put 300k, above that doesn't earn 4.28 rate

This post has been edited by apalexar: Sep 13 2025, 05:31 PM
apalexar
post Sep 17 2025, 04:18 PM

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QUOTE(Afterburner1.0 @ Sep 17 2025, 11:21 AM)
SCB still got this offer?
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4.28% for HSBC, SCB only 3.90%
apalexar
post Sep 17 2025, 05:24 PM

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QUOTE(mamamia @ Sep 17 2025, 05:04 PM)
is this for new priority customer?
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Yes it is.

QUOTE(siawyent @ Sep 17 2025, 05:23 PM)
Any limit for the 3.9%?  eg. Hsbc max only 300k for 4.28%
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No limit for SCB, if you put >3 million can earn 4.2%

This post has been edited by apalexar: Sep 17 2025, 05:27 PM

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