Haha, I hope for next few weeks I don't have to move everything to HL. BR FD is maturing and hoping that they can match the 4.3% at least. Was told that they may have new promo before CNY. Waiting for that. 

I hear u loud and clear ! But since 2 of us has the same info, I would tend to believe 4.2% is more likely to be true. Unless AmBank changed it again. As we know they have been quite dynamic about it. I would just leave it at that, anyway since HL 4.3% is still better. 

So u got AmBank 12 mth 4.25%, FD cert collected ?  Is it big amt ? 

So the outcome is 4.2 or 4.25% for 12 months

Good observation ! 

AmBank 3 yrs 4.5% FD also maturing in Jan 2018. I only left with AmBank 5 yrs 4.55% FD. They have to raise the rate to compete with HL 4.3%. I have told them when I withdrew this week. 

HL wise for renewal offering slightly lower rate. Made people using technique to get the better rate. 

BR FD's maturing soon, interesting to see if they have new promo's ! 

Yeah I instant transfer to fave payee but no need TAC. But I also have done IBG to same fav payee  - need TAC.

That's why i'm perplexed

PS: fave payee in other bank eg HLB >> fave payee in PBB

economy must be bad plus BR balance left 1/3 from prev year,
but service still good- home delivery just now..

U still got left 1/3.  I left 1/8 and no longer their Xclusive customer. 
His is BIG boss/customer. 

Soon I will have 0 FD there already. BR seems no longer need too much deposits, their FD promo has died out for quite some time already. Keep hearing may have promo before Raya (2017) until CNY. But no FD promo's. 

BR fd board rate is 3.7% for 12 months, ask for special rate OTC, it is 3.85%.

As to whether there will be "new promotions" from financial institutions, please have a look at their latest Q reports and look at the ratios.

That is an indication of whether the institution will have any promo FDs in the future. 

U still have FD with BR? Mine is ending next month. No more Xclusive member with them. 

Did they send hamper to u ?

Try AmBank 4.35% 12mth but need to ask for approval first. 

For the first time in 5 yrs, no hampers from BR.    Got one instead from Muamalat. New love but likely to be temporary one. 

My next target will be OCBC 12 mth 4.38%. Why don't u try AmBank for 4.35%. As I said earlier, get RM or BM to ask for approval, min 50k. 

4.5% are u sure bro

Did they mention the minimum amount? 100k or probably higher amount?

I received the call from Kepong yesterday inviting me to join premier, but told me FD is 4.38% pa.

The person who called doesn’t speak well so I casted doubt on him. Could be true but I was travelling so didn’t ask much and it must be above 100k.

4.5% for existing PB customers who already have premier save account? I asked if the rate 4.38% promo was negotiable for the branch u mentioned and they said no. 

I know they have a special promo for new premier save account holders, a slightly higher interest rate FD but they earmark half the funds inside the PSA

AmB invite for dinner, great, did not hear of any for my branch over last few years. Small fry for AmB only. 

call the Branch Manager direct, and it is for renewal, no need fresh fund

My OCBC RM is more interested in UT than FD for her clients for obvious reasons.  May lose my OCBC PB status, still waiting for their love letter. But if they are still the best rate by end of the month, will still go back to their embrace. 

Not sure if any members from Pg got the 4.5% deal, may call OCBC later to check.
AmBank 4.35% for 12 mth should not be an issue, unless they close it this week. But need HQ approval. My branch was not even aware of it until I asked them and they got HQ confirmation on this 4.35%.

Anyway the OCBC 4.5% deal is still much better. 

I know what you mean. The effective % rate is probably not 4.5 percent. You need to have casa perhaps.

Pls keep us posted on the criteria of 4.5%.  I have some fd need to find higher rates to move next week.  Thank you very much, bro.

I think there is some typo/edit issue the above reply, please check.

U lucky soul! Penang side I called and no 4.5% promo, just the 4.38% 12 mth. So now I am thinking of either OCBC 4.38% or AmBank 4.35%. OCBC parking is a nightmare despite their so called PB parking lot (limited) ! 

If you don't mind, can you share the picture of FD receipt printed with 4.5% rate ? I want to nego with OCBC Manager. Thanks.

OCBC so far for all FD I placed, always start on the day of placement. No need to wait for cheque clearance. U should check with them again on this.

Another point is for monthly interest, tell them to open Mi FD. If not it will be normal FD acct, no monthly interest.

I'm existing Premier customer. Just last week I placed the FD @ 4.38%, today place again, still 4.38%. My RM has no clue whatsoever on the 4.5%  when asked. Thanks bbgoat for the heads up, successful opened MI FD account for monthly interest crediting. Also opened a BSA account with out fee and without debit card for monthly FD interest crediting.

By the way, if you guys looking for parking temporary fund 100k and above with 3.5% interest, go for Alliance Saveplus account. Can open the account online, can withdraw any time, no annual fee, no transaction fee, free debit card and last but not least, Free RM40 Petronas gift card.

Looks like OCBC 4.5% is only limited to certain branch?

I managed to have online banking without a debit card. However, many staff seemed to be unaware of that.
For the conventional OCBC 360 Account, debit card spending is counted as well for the bonus interest.
Monthly.

For AmBank, my relative has got 4.40% 12 mth FD placed. This one need to get approval from HQ. So can try to talk to the branch or your RM for higher than 4.38% 12 mth rate. 

Kindly advice AMBANK need open CASA?

require CASA?