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

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cybpsych
post Dec 3 2018, 05:28 PM

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QUOTE(KoYuKii @ Dec 3 2018, 04:06 PM)
even BSA oso can? or need special acc holder?
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the cimb 6mth 4.4% is the current running unfixed deposit, counter-only.

https://www.cimbbank.com.my/en/personal/pro...sit-latest.html

of course bsa can. already placed a few before the 6mth 4.5% efd shared out.
cybpsych
post Dec 3 2018, 05:53 PM

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QUOTE(eddie2020 @ Dec 3 2018, 05:28 PM)
So now no more good deal... Highest efd is 4% rite?
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nope. 4.2%.

before u ask again, you can search for the answer.
cybpsych
post Dec 5 2018, 09:20 PM

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LET’S TALK ABOUT WEALTH WITH UOB [ UOB | T&Cs ]

Join us for some delicious food and learn how you can grow your wealth and protect your family

What's more, you stand a chance to win pre-loaded Touch 'n Go cards and vouchers when you sign up for products with us.*

Special FD-i promo rate* -- 4.30% p.a. (12 months)
From now until 31 December 2018

8 December 2018 10am to 2pm UOB Kepong Branch
12 December 2018 11am to 3pm UOB Kuala Lumpur Main Branch
15 December 2018 10am to 2pm UOB Puchong Branch
cybpsych
post Dec 6 2018, 05:42 PM

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QUOTE(YoungMan @ Dec 6 2018, 04:42 PM)
CIMB Islamic at 4.45% is counted as 4.45% for the period of 6 months or 4.45% P.A? Any other current promo or good rate from Public bank or MayBank or HLB?
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rate always in p.a.
cybpsych
post Dec 7 2018, 08:34 AM

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QUOTE(ctlx @ Dec 6 2018, 11:09 PM)
Anyone knows if Bank Rakyat FD 4.5% for 11 months still available? Thanks!
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should be still available. u need to visit and ask the respective branch to be sure.

user posted image
cybpsych
post Dec 7 2018, 10:43 AM

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QUOTE(ctlx @ Dec 6 2018, 11:09 PM)
Anyone knows if Bank Rakyat FD 4.5% for 11 months still available? Thanks!
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QUOTE(Wong Kit yew @ Dec 7 2018, 10:35 AM)
Yes, still available. I went for it last week.
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should reply back to the person asking the question instead of the one replying
cybpsych
post Dec 7 2018, 04:11 PM

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QUOTE(niceguypenang @ Dec 7 2018, 02:00 PM)
Anyone know if the CIMB link still could be use?

Tried for few days already.
https://www.cimbclicks.com.my/clicks/#/wps/...FdPlacement?r=1
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reported down/removed/disabled since last week...
cybpsych
post Dec 9 2018, 05:18 PM

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QUOTE(adrianteddy @ Dec 9 2018, 05:15 PM)
CIMB 4.5% 6mths link not working sad.gif ?
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read above posts
cybpsych
post Dec 16 2018, 04:59 PM

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QUOTE(hurtedheart @ Dec 16 2018, 01:22 PM)
hmm.. i supposed too. Until I placed the eFD on RHB, it shows the effective date on 15/12, maturity date on 15/01.. hmm.gif , how come ah???
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15/01 maturity is correct because 14/01 already completed, thus mature on 15/01 meaning u can uplift.

if maturity set for 14/01, then u uplift on 14/01 then you didn't complete the whole day, thus premature withdrawal.
cybpsych
post Dec 17 2018, 12:55 AM

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QUOTE(roticanai92 @ Dec 16 2018, 09:06 PM)
I'm confused why does CIMB wanna set the 4.5% rate only for OTC when they can do it online?
It's so much more trouble for me to take time to go to the bank, than to do it online...
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this is NOT new, has always been this way of doing FD OTC.

eFD always lower rate, rarely give higher rate (for general public, not those special/premier/vip/whatever)
cybpsych
post Dec 17 2018, 08:46 PM

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QUOTE(ericlks91 @ Dec 17 2018, 07:52 PM)
user posted image

Can anyone tell me how does these bundle bundle thing work? And who uses Top Yield acc before? Apa itu?
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read the full T&c inside.

read thru discussion here from Post #9179 until #9210.
cybpsych
post Dec 18 2018, 07:30 AM

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QUOTE(Wong Kit yew @ Dec 16 2018, 03:14 PM)
OCBC Bank has lowered down the 12-month FD from 4.35% to 4.2%.
https://www.ocbc.com.my/personal-banking/ac...ed-deposit.html
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QUOTE(Human Nature @ Dec 17 2018, 11:11 PM)
The 4.35% 12m for OCBC is no longer available? It's suppose to end on 31-12-2018
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reduced liao..
cybpsych
post Dec 19 2018, 09:46 AM

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QUOTE(HonMun @ Dec 19 2018, 09:23 AM)
Still safe to put FD at CIMB bank since their system being hacked ?
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1) if not feeling good about the bank, then just ignore them. go for other banks instead.

2) understand what truly happened to cimb. hacked or leaked? what was compromised and not?

3) if still doubt and uncertain, goes back to (1) above.


dont need to force yourself to take cimb's offers/products.
cybpsych
post Dec 20 2018, 07:28 AM

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QUOTE(fantasy1989 @ Dec 19 2018, 10:17 PM)
CIMB 2018 Unfixed Deposit Campaign. Minimum Fresh Fund RM10K. Valid until 31 December 2018

is it now fresh fund i need to bring cash into branch instead of transfer to cimb saving accopunt?
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no. transfer to cimb savings is ok.

did you ever read the t&c?
cybpsych
post Dec 20 2018, 10:56 AM

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QUOTE(pwlow @ Dec 20 2018, 10:15 AM)
This 1 difference from previous promotion, I'm refer to eFD. this is OTC ?
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i wasnt replying to you at all doh.gif
cybpsych
post Dec 20 2018, 02:09 PM

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QUOTE(dp82 @ Dec 20 2018, 12:39 PM)
What if dont have CIMB account?
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cash, cheque, etc
cybpsych
post Dec 20 2018, 05:25 PM

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QUOTE(cheepet @ Dec 20 2018, 04:59 PM)
for fresh fund only.... I have one maturity on 1st week of Dec... went to OTC and refuse to give me the 4.35%.

I withdrew all RM55k as it had been with HLB for 12 years....

No customer retention effort..... mad.gif
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you didnt read the T&C properly and how bank define "fresh fund"


read the T&C of this new promo...

“New Funds” are defined as:
(a) Cash, Financial Process Exchanges (“FPX”), instant transfer, interbank GIRO, new funds received via
telegraphic transfer from other banks, local cheque or banker’s cheque issued by other banks which are
deposited into the existing or new FD Accounts of the Customers opened with HLB / Hong Leong Islamic
Bank Berhad’s (686191-W) (“HLISB”). For this purpose, new funds must be placed and deposited into the
Customers’ existing or new FD Accounts within seven (7) days of the transfer to HLB / HLISB.

cybpsych
post Dec 22 2018, 10:57 AM

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QUOTE(supi @ Dec 21 2018, 10:45 PM)
https://www.cimbclicks.com.my/content/eFD2018.html

Click the link inside.. to make placement for special rates 4.5%.
"Click here to make your placement."
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thanks! link is working!

you're the first to give the promo page rclxms.gif
cybpsych
post Dec 24 2018, 02:29 PM

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QUOTE(Tanxy @ Dec 24 2018, 02:26 PM)
Public Bank offering 4.2% for 12 months placement OTC, you can renew the existing FD placement by adding fresh funds.

The nice thing is that they allow monthly crediting of FD interest to any savings account you have with them, downside is that the monthly interest will be deducted as a penalty if you redeem the FD before maturity.
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that's the normal behavior since interest/profit already been credited to your SA, the only way is to clawback the interest/profit from principal amount due to premature withdrawal.


cybpsych
post Dec 26 2018, 02:27 PM

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QUOTE(whycanot323 @ Dec 26 2018, 02:24 PM)
what is the RM5 about? sorry i dont get it
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https://www.cimbbank.com.my/en/personal/pro...gs-account.html

free BSA have limit for OTC.

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