Welcome Guest ( Log In | Register )

Bump Topic Add Reply RSS Feed

Outline · [ Standard ] · Linear+

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

views
     
ericlaiys
post Nov 14 2025, 03:27 PM

Look at all my stars!!
*******
Senior Member
7,534 posts

Joined: May 2012
QUOTE(fartbrat @ Nov 14 2025, 12:21 PM)
Ya i just aware that multiple placement is possible. I heard the interest will be given upon 3 months, so meaning the fund is available to use (like move to other fd) after 45 days but interest need to wait?
*
u will get when it due
shuin1986
post Nov 14 2025, 04:02 PM

Getting Started
**
Junior Member
233 posts

Joined: Mar 2007
QUOTE(fartbrat @ Nov 14 2025, 12:21 PM)
Ya i just aware that multiple placement is possible. I heard the interest will be given upon 3 months, so meaning the fund is available to use (like move to other fd) after 45 days but interest need to wait?
*
Yes, after 45 days you are free to use the deposit, only the interest will be delayed for up to 3 months, means u can get it a month later, or 2 months later, or max 3 months.

Unless the interest is too imporant or life threatening until u cannot wait, then i dont see any problem lol
fartbrat
post Nov 15 2025, 11:57 AM

New Member
*
Junior Member
34 posts

Joined: Jun 2022
So the hlb bday promo is 50k max despite multiple placement. I put 30k yesterday and today it only allowed me to put 20k. Cringe.
cybpsych
post Nov 15 2025, 08:27 PM

---------------------
*********
All Stars
65,255 posts

Joined: Jan 2003
QUOTE(fartbrat @ Nov 15 2025, 11:57 AM)
So the hlb bday promo is 50k max despite multiple placement. I put 30k yesterday and today it only allowed me to put 20k. Cringe.
*
errr t&c already stated max 50k per customer


This post has been edited by cybpsych: Nov 15 2025, 08:27 PM
paramdav
post Nov 16 2025, 08:49 PM

Getting Started
**
Junior Member
138 posts

Joined: Aug 2012
QUOTE(fartbrat @ Nov 15 2025, 11:57 AM)
So the hlb bday promo is 50k max despite multiple placement. I put 30k yesterday and today it only allowed me to put 20k. Cringe.
*
I did this in Jun during my birthday, you can place multiple times But the total in the birthday FD must be 50K or less
Micky78
post Nov 16 2025, 10:51 PM

Regular
******
Senior Member
1,192 posts

Joined: Nov 2008
From: Cheras
Afin rate is very bad...
paramdav
post Nov 17 2025, 09:49 AM

Getting Started
**
Junior Member
138 posts

Joined: Aug 2012
QUOTE(Micky78 @ Nov 16 2025, 10:51 PM)
Afin rate is very bad...
*
Yea, it sucks now
they had good rates until mid 2024 then it all downhill
MeToo
post Nov 17 2025, 12:09 PM

Look at all my stars!!
*******
Senior Member
9,333 posts

Joined: May 2009
2 Months ago i placed quite a bit with RHB @ 3.45%...

Today I check they got 3.55% thinking of placing abit more..

Anywhere else got significantly better rates ka?
Human Nature
post Nov 17 2025, 01:25 PM

- student of human nature -
*********
All Stars
26,499 posts

Joined: Jan 2003
QUOTE(Human Nature @ Nov 7 2025, 09:23 AM)
I have one FD from Bank Muamalat mature today and received less total interest (monthly credited). I tried to replicate using this formula but still not tally. Later on, I found that the bank is dividing the year 2025 portion with 366 also.

Is this an error on the bank side, or different bank difefrent policy? Shouldnt calculation be set in stone?
*
Anyone else getting lower interest amount? BM replied with contradictory information.
It says year 2024 is divided by 366 and year 2025 is divided by 365. Then proceed to show their calculation formula all divided by 366.
Barricade
post Nov 17 2025, 01:58 PM

Look at all my stars!!
*******
Senior Member
4,141 posts

Joined: May 2005
My 300k FD maturity today. Withdrawed all and place into Webull's moneybull MMF. Promo now 6% PA for 90 days, capped 200k.
joice11
post Nov 17 2025, 02:38 PM

Enthusiast
*****
Junior Member
862 posts

Joined: Feb 2022
QUOTE(Barricade @ Nov 17 2025, 01:58 PM)
My 300k FD maturity today. Withdrawed all and place into Webull's moneybull MMF. Promo now 6% PA for 90 days, capped 200k.
*
do u have the link on this promo?
cybpsych
post Nov 17 2025, 07:18 PM

---------------------
*********
All Stars
65,255 posts

Joined: Jan 2003
QUOTE(joice11 @ Nov 17 2025, 02:38 PM)
do u have the link on this promo?
*
haiya, open webull website immediately see the 6% promo banner big big la
BWassup
post Nov 17 2025, 08:50 PM

Enthusiast
*****
Junior Member
836 posts

Joined: Sep 2022
QUOTE(Barricade @ Nov 17 2025, 01:58 PM)
My 300k FD maturity today. Withdrawed all and place into Webull's moneybull MMF. Promo now 6% PA for 90 days, capped 200k.
*
Info from fb: Webull will top up the monthly money market fund return to 6.0% via a booster coupon, effective for 90 days. The top up is not in cash? What can we do with the Booster coupon?
Barricade
post Nov 17 2025, 10:12 PM

Look at all my stars!!
*******
Senior Member
4,141 posts

Joined: May 2005
QUOTE(BWassup @ Nov 17 2025, 08:50 PM)
Info from fb: Webull will top up the monthly money market fund return to 6.0% via a booster coupon, effective for 90 days. The top up is not in cash? What can we do with the Booster coupon?
*
Booster coupon is to topup the difference lo between MMF interest and 6%.

For instance if MMF provide a 3.5% return, booster coupon will give you additional 2.5%, so total you get is 6%

This post has been edited by Barricade: Nov 17 2025, 10:12 PM
hongeb P
post Nov 17 2025, 11:01 PM

New Member
*
Probation
2 posts

Joined: Jan 2022
QUOTE(Human Nature @ Nov 17 2025, 01:25 PM)
Anyone else getting lower interest amount? BM replied with contradictory information.
It says year 2024 is divided by 366 and year 2025 is divided by 365. Then proceed to show their calculation formula all divided by 366.
*
I also kena shortchanged by BM. Shall we complain to bank negara as my local bank is evading my queries.
frequency
post Nov 17 2025, 11:50 PM

我要挑战十个！
*******
Senior Member
2,566 posts

Joined: Jan 2003
Std chart 3.75% but need min 300k
Human Nature
post Nov 18 2025, 01:02 AM

- student of human nature -
*********
All Stars
26,499 posts

Joined: Jan 2003
QUOTE(hongeb @ Nov 17 2025, 11:01 PM)
I also kena shortchanged by BM. Shall we complain to bank negara as my local bank is evading my queries.
*
The same 4.05% with monthly interest? I already cc Bank Negara my email to BM. If there no response by Friday (2 weeks), I will escalate.
CommodoreAmiga
post Nov 18 2025, 02:16 PM

Look at all my stars!!
*******
Senior Member
3,852 posts

Joined: Jun 2022
QUOTE(MeToo @ Nov 17 2025, 12:09 PM)
2 Months ago i placed quite a bit with RHB @ 3.45%...

Today I check they got 3.55% thinking of placing abit more..

Anywhere else got significantly better rates ka?
*
Ambank SAVE12 3.6%
MeToo
post Nov 18 2025, 04:14 PM

Look at all my stars!!
*******
Senior Member
9,333 posts

Joined: May 2009
QUOTE(frequency @ Nov 17 2025, 11:50 PM)
Std chart 3.75% but need min 300k
*
300k ok, but 3.75% vs 3.55% diffrence is about RM600 for 300k deposit, not big enough to warrant opening an account with SC sinc ei dont have one...

If alrdy have SC account then 3.75 not bad
frequency
post Nov 18 2025, 05:00 PM

我要挑战十个！
*******
Senior Member
2,566 posts

Joined: Jan 2003
QUOTE(MeToo @ Nov 18 2025, 04:14 PM)
300k ok, but 3.75% vs 3.55% diffrence is about RM600 for 300k deposit, not big enough to warrant opening an account with SC sinc ei dont have one...

If alrdy have SC account then 3.75 not bad
*
fresh fund only
« Next Oldest · Finance, Business and Investment House · Next Newest »
 

Add ReplyOptions
 

Change to:
| Lo-Fi Version
 0.0278sec    0.75    6 queries    GZIP Disabled
Time is now: 26th November 2025 - 07:24 AM
All Rights Reserved © 2002- 2025 Vijandren Ramadass (~unite against racism~)
Removal Request
Powered by Invision Power Board © 2025  IPS, Inc.