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

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bbgoat
post Jan 18 2017, 03:34 PM

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QUOTE(billy08 @ Jan 18 2017, 03:28 PM)
Are you already a Bank Rakyat customer?
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I am their Rakyat Xclusive member.

Why do u ask ? hmm.gif
bbgoat
post Jan 18 2017, 03:45 PM

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QUOTE(billy08 @ Jan 18 2017, 03:42 PM)
Takut not open for public but only for exclusive BR member aje ..
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No need takut.

It is open for public. Their CNY promo. biggrin.gif
bbgoat
post Jan 19 2017, 11:02 AM

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QUOTE(drbone @ Jan 18 2017, 03:51 PM)
Minimum placement to be their Xclusive customer?
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300k. Any more question please ask in Priority Banking thread.

https://forum.lowyat.net/topic/554471/+820

QUOTE(coolstore @ Jan 19 2017, 10:58 AM)
better take either:

3 mth @ cimb @ 4%

8 mth @ hongleong efd @ 4%

9 mth @ ambank @ 4%

if ok with step up/prorata, also secure maybank 12mth effective rate 4%

if ok with less secure with no pidm protection, bank rakyat one would be highest rate among others in next week

if aged 40 & above, alliance bank @ 4.05% 12mth, juz slightly lower than bank rakyat but got pidm protection
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BR CNY FD promo, 4.08% 12 mth monthly interest to start on 23/1 only. (Blind me, saw the SMS wrongly).

This post has been edited by bbgoat: Jan 20 2017, 08:39 AM
bbgoat
post Jan 19 2017, 01:28 PM

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QUOTE(callmeaugust @ Jan 19 2017, 12:46 PM)
Hey, did the offer started ? I have a fd matured tomorrow . So if yes , i could transfer it to BR rclxms.gif
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Edit:
Blind me, saw the SMS wrongly. Start on 23/1.

QUOTE(guy3288 @ Jan 19 2017, 01:10 PM)
Negotiated rate.
MBSB can get 4.5% 5 years FD above 300k, quarterly interest.
go grab before quota finish.
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Thanks !

2 weeks ago I placed for 1 year 4.2% nego rate with them. This one looks not bad with current situation. May move from BR to them if cannot get good rate with BR next week. biggrin.gif

This post has been edited by bbgoat: Jan 20 2017, 08:42 AM
bbgoat
post Jan 19 2017, 07:05 PM

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QUOTE(drbone @ Jan 19 2017, 06:43 PM)
Which branch?
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Not branch related. Just go to one convenient to u or call them up to nego. biggrin.gif
bbgoat
post Jan 23 2017, 12:06 PM

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QUOTE(coolstore @ Jan 23 2017, 10:03 AM)
br 4.08% today started?
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Started. Doing it now. Collecting gifts ! rclxm9.gif
bbgoat
post Jan 23 2017, 01:21 PM

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QUOTE(coolstore @ Jan 23 2017, 12:20 PM)
for monthly interest, must ask, right?
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Have to specify during placement.

QUOTE(Azurika @ Jan 23 2017, 12:42 PM)
Guess Hong Leong has 1 of the better deals now at 4.0% or 4.18% if target hit?
Looking at Maybank originally , hmm ...

Bank Rakyat is it covered by PDIM ?
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BR not covered by PIDM. To me not a big deal. biggrin.gif
bbgoat
post Jan 23 2017, 07:18 PM

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In BR this morning to terminate one FD and RENTAS out the fund. Then renew 3 FD's to 12 mth 4.08% with monthly interest.

Collected the gifts:

Attached Image

This post has been edited by bbgoat: Jan 23 2017, 08:25 PM
bbgoat
post Jan 23 2017, 11:53 PM

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QUOTE(coolstore @ Jan 23 2017, 11:08 PM)
i asked one br branch, the personnel said for promotion fd no monthly interest option, payable upon maturity only..
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Well, for this one I definitely got the monthly interest. Printed on the FD certs as well. biggrin.gif
bbgoat
post Jan 24 2017, 12:10 PM

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QUOTE(coolstore @ Jan 24 2017, 11:40 AM)
i asked the branch opposit tesco selayang selangor.

but he said if put 50k or higher, can ask HQ for higher rate than 4.08%, maybe 4.1x%

and get premium gift like luggage bag with trolley one

juz no monthly interest option

but open acccount also need rm200,

maybe juz separate into smaller amount multiple pieces, than no need monthly interest also can
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As I mentioned before, mine is FD renewal. I got the monthly interest, period.

I was not able to get >4.08% for 6 figure amt. If u do, please let us know.
bbgoat
post Jan 25 2017, 08:31 AM

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QUOTE(tlchoon @ Jan 24 2017, 09:12 PM)
Rm 30000 @ 4.08% for 12 months at Bank Rakyat. 
First time in my life I received a valuable hamper from a bank.
Normally, I get only empty Ang Pow envelopes.
Thank you Bank Rakyat.
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Did u get monthly interest for this BR FD ? hmm.gif
bbgoat
post Jan 25 2017, 11:35 AM

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In BR now to renew fd. Got 4.08% with monthly interest.

This promo is meant for fresh fund only. But was told have to credit monthly interest to CASA. Looks like 2 version of interest option mentioned in this forum.

Also lucky draw have to send SMS
bbgoat
post Jan 25 2017, 01:18 PM

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QUOTE(arisu72 @ Jan 25 2017, 01:04 PM)
Hi! Is Alliance bank reliable in regards to FD? Thanks in advance.
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I have good experience with them. biggrin.gif
bbgoat
post Jan 25 2017, 01:55 PM

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QUOTE(guy3288 @ Jan 25 2017, 01:19 PM)
Got hamper to collect , so i support abit the CNY FD promo,
staff didnt tell me must SMS also.....got any link to read the T&C of the contest?
1 cert 1 entry or every 10k 1 entry?
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I was there on Monday to renew fd n collected 3 hampers. Also did not know of the requirements.

Today saw it only. No links on t n c. Every 10k 1 entry.

Send SMS BRC5 (ic)(space) to 66300. U should receive a response.

Good luck!!
bbgoat
post Jan 25 2017, 07:55 PM

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QUOTE(mamamia @ Jan 25 2017, 05:58 PM)
I also want to know how to get hamper.. n how to bcome xclusive customer?
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300k and above deposit to become Xclusive customer.

Hamper is based on branch basis, their budget and how many customers allocated. So if u are in a "rich" branch, the cut off of deposit amt may be even higher than 300k. That is my opinion. biggrin.gif

Unless during deposit, some one asked for gifts like hamper, with high amt than"normal". thumbup.gif

This post has been edited by bbgoat: Jan 25 2017, 07:57 PM
bbgoat
post Jan 26 2017, 08:39 AM

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QUOTE(LightWind @ Jan 25 2017, 11:33 PM)
Hi, how come your angpow is different from mine?

https://www.irakyat.com.my/index.php/bank-rakyat-cares (link to read the T&C for the contest). I am one of the lucky winners of the monthly price of RM1,000 electric items for the first phase of the contest.

You are so lucky as my branch did not give me anything for CNY..... biggrin.gif
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You are very lucky. thumbsup.gif Last 1 or 2 years they have similar campaign for FD deposit. Did not get anything for the lucky draws. Other than gift for FD deposits.

What is the item at the left ? The Ang Pow packet is the previous years design. This year they did not come out with the new ang pow packet.
bbgoat
post Jan 26 2017, 10:07 AM

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QUOTE(tlchoon @ Jan 26 2017, 10:05 AM)
Monthly interest into your Savings Account ok
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Ya, that is what I said earlier. I got the monthly interest for FD renewal on Monday and Wed at 4.08% promo rate. But it seems another forummer was having problem on getting monthly interest from one of the BR branch.
bbgoat
post Jan 26 2017, 10:16 AM

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QUOTE(coolstore @ Jan 26 2017, 10:05 AM)
br selayang worst, no angpow, no hamper, just gift set of:

a) personal notebook
b) parker pen with bank rakyat logo
c) pendrive 8gb with bank rakyat selayang logo
d) towel
e) 2017 desktop calendar

good thing is ample parking free

and the front desk one misguide me even can ask gift like luggage bag with trolley

after moeny go in, no higher interest than 4.08%, no such premium gift
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Your FD in BR new placement or renewal ? The gift is not bad though. biggrin.gif
bbgoat
post Jan 26 2017, 10:24 AM

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QUOTE(coolstore @ Jan 26 2017, 10:19 AM)
new.
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Typically new placement they give gifts. They still did not give u monthly interest I presume. Is there a line on "51 ....................IND - MTH) at left bottom of the FD cert ? hmm.gif

I was told by my branch that monthly interest is a must for this promo.

This post has been edited by bbgoat: Jan 26 2017, 10:24 AM
bbgoat
post Jan 26 2017, 11:34 AM

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QUOTE(guy3288 @ Jan 26 2017, 08:45 AM)
Thanks, can get better info here than from bank.

different branch different ang pao? that T&C even the bank staff could not locate......
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Different branch give diff hampers. I remember last time u have shown better looking hampers than mine. thumbup.gif

See the last line in jpg file on SMS requirement for the lucky draw.

Attached Image

This post has been edited by bbgoat: Jan 26 2017, 11:40 AM

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