Me too. Really inconvenient.

not sure if this has been shared

HLB branch FD promotions until 28 February 2018 for the Conventional product:-

1. 4.10%p.a for 6 months
2. 4.30%p.a for 12 months

The minimum placement amount is RM10,000 and only applied to New Funds placement via our branch counter.

Source: HLB Facebook

u should read the FB replies.....

The interest / profit earned will be credited into the Eligible Customers’ Nominated CASA / CASA-i on a monthly basis.

Bro must have gathered huge funds from "other banks" for this HL FD.   

I think this one they have both conventional and Islamic one. Did they ask u before the placement which one u prefer ? For my case, it was conventional. No buying/selling price of certain "plastic pellets" or something like that (serious, no joke, have seen this in FD cert few years back) !

We are late. 

What should I do with the banker's cheque?

Any other banks offer 4.2%/4.3% rate?

Eh?
Which branches you went?
Mind to share?
I at Menara Maybank just now.
Need SACA?

Alliance Term Deposit-i Campaign
from 15 December 2017 to 31 March 2018
5 months 3.88% p.a min 5k
wed https://www.alliancebank.com.my/promotions/...i-campaign.aspx

Yeah, funny.
Might as well move to RHB, 13 months, 4.25%
Hong Leong, 4.35%, 12 months

walk in

Time to move back to BR 4.8% FD

with a big "call us for more info", probably there are some other products attached to the FD rate.

AM Bank manager tried to hard sell this. Am Bank special rate FD at 9.88% for 3 months +  Amanah Saham Gemilang by PNB.
Anybody heard before?

9.88% is a sweetener. But for ASG you PNB will charge you 5% on your first deposit with projected returns of 5-7%.

Yeah. Last time I try to put FD in CIMB, the CIMB officer try to hardsell me unit trust... 

I always do OTC as rate are mostly higher than online. why do low when you can do high rate easily.
OTC takes less than 30 mins (yea my place here has most banks with not much people)
unless maturity date fall on the period where i am on a biz trip then i'll do online.

Ya, even board rate shouldn't be that low. At least 3%

Other bank also no change...

Today I verified Bank Islam effective rate @ 4.65% p.a. for 2 years, minimum 50k ... still available. I guess the take up rate is not that great, over 6 months, I notice only about ~15x FD certs issued from the branch I visited. How I know ? Look at the running serial number 

Hi all sifu, pardon my stupid question, new to FD.
If we go for 6m @ 4.2% is that mean after 6m we extend another 6m we get total 8.2% interest?

Today try to place HLB eFD via FPX from Ambank, Ambank fund deducted, MyClear email shown successful, HLB said failed.. now money went missing.. called Ambank, Ambank said fund already transferred successfully, if really failed, it will refund within 24 hours. When I called HLB, they asked to check with Ambank, said they no receive money.. n don even bother to lodge case to investigate.. really feel disappointed with HLB, not the first time, 2 years back experience the same issue..

Last time, it is confirmed the money received by HLB, but, their system didn’t create the FD for me.. then after I complaint, they do manual refund to me..this time they straight away taichi to sending bank..

Hi guys, so I went for the Affin CNY offer under islamic thingy with no CASA - 4.49% - 18 months - compounded every 6 months with interest added back to the principle.

I noticed that they already calculated the "selling price" but it doesnt seem to be right. I wonder if under islamic thingy, the way they calculate is not the same or what?

example if my principle is 130k, shouldnt my "selling price" be 138,953.53?
instead on the slip, its printed 138,747.50
a difference of 206.03

any sifu knows how to calculate this? Thanks in advance

Fd pledge must be maintained as long as the card is still maintained.
After 3 months promotion rate...roll over at board rate.
Soonest to cancel card is 6 months..
Therefore effective rate will 2.×%...assuming cancel  fd after 6 months

Earlier ,similar promo was at 5% for 3 months