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

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filage
post Feb 13 2017, 02:30 PM

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QUOTE(Pain4UrsinZ @ Feb 13 2017, 07:03 AM)
now the best for short term is CIMB 3 months @ 3.8% and HSBC 3 months @ 4.88%
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CIMB 3.8% is OTC special FD promo?
TOMEI-R
post Feb 13 2017, 03:36 PM

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QUOTE(pangolin88 @ Feb 13 2017, 12:41 PM)
Just wondering why banks give a better FD rate for over the counter deposit. Online FD usually give a lower rate. I hate going to the bank looking for a parking space then waiting for a counter number.
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Its the other way for Hong Leong. You can perform online placement to get their special rates this round. laugh.gif Anyway, its not about online or onsite placement, rates seem to depend on whether yours are fresh funds or existing funds.
strategist
post Feb 13 2017, 03:36 PM

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serious question, do you guys like hold multiple bank accounts to utilise all these promotional FD rates??
familyfirst
post Feb 13 2017, 04:27 PM

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QUOTE(strategist @ Feb 13 2017, 03:36 PM)
serious question, do you guys like hold multiple bank accounts to utilise all these promotional FD rates??
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Yes but I limit mine to within a few kilometres from home or office as I am still working full time. Malas to go too far.
benlaw
post Feb 13 2017, 05:05 PM

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4.88% fd is for hsbc premier account only?
guy3288
post Feb 13 2017, 05:11 PM

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wrongtred

This post has been edited by guy3288: Feb 13 2017, 05:24 PM
cklimm
post Feb 13 2017, 07:06 PM

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QUOTE(strategist @ Feb 13 2017, 03:36 PM)
serious question, do you guys like hold multiple bank accounts to utilise all these promotional FD rates??
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Yeah, why not?
cklimm
post Feb 13 2017, 07:07 PM

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QUOTE(pangolin88 @ Feb 13 2017, 12:41 PM)
Just wondering why banks give a better FD rate for over the counter deposit. Online FD usually give a lower rate. I hate going to the bank looking for a parking space then waiting for a counter number.
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So that they can hard sell you insurance, unit trust, savings plam
Deal Hunter
post Feb 13 2017, 07:57 PM

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QUOTE(strategist @ Feb 13 2017, 03:36 PM)
serious question, do you guys like hold multiple bank accounts to utilise all these promotional FD rates??
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Usually, at least the cheapest basic savings account is opened if there is a need, or other types of savings account if there is some kind of advantage. But usually not multiple accounts in the same banks except when forced to do so as a FD condition, or there is some other advantage, or wish to open joint savings account. ATM card or debit card usually not taken unless there is specific operational need for the extra cost and hassle to keep it active.

If avoidable, I try not to open new savings account. Not only that, I try to close them if I think they will only give me more trouble later.

This post has been edited by Deal Hunter: Feb 13 2017, 08:02 PM
esy
post Feb 13 2017, 10:28 PM

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QUOTE(strategist @ Feb 13 2017, 03:36 PM)
serious question, do you guys like hold multiple bank accounts to utilise all these promotional FD rates??
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... does not matter - different people have different needs or objective with their financial capacity ...
huatken
post Feb 14 2017, 11:34 AM

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QUOTE(elea88 @ Feb 10 2017, 01:52 PM)
anyway i just the CALL CENTRE again now and informed them of their OUTDATED INFORMATION.. Coz they still sweetly inform me .. latest FD promo 4.05% 12 months... !!!
I request them to update their information to save another customer from making a WASTE TIME trip to their bank...!
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It is still available. I just placed the FD.
elea88
post Feb 14 2017, 11:52 AM

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QUOTE(huatken @ Feb 14 2017, 11:34 AM)
It is still available. I just placed the FD.
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hmm.. then something must be wrong with the Branch that I walk into that day....
I hv emailed them a complaint and also fill in the complaint form. No reply to date...
pangolin88
post Feb 14 2017, 12:12 PM

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QUOTE(cklimm @ Feb 13 2017, 07:07 PM)
So that they can hard sell you insurance, unit trust, savings plam
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Very True . I kena conned into buying unit trust by sweet talking lady. Having learned my lesson I will be more careful next time. bangwall.gif
TOMEI-R
post Feb 14 2017, 01:49 PM

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QUOTE(benlaw @ Feb 13 2017, 05:05 PM)
4.88% fd is for hsbc premier account only?
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I dont think its direct FD or its only for new account holders. Maybe someone who took this offer can clarify?
ProxMatoR
post Feb 14 2017, 01:56 PM

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QUOTE(TOMEI-R @ Feb 14 2017, 01:49 PM)
I dont think its direct FD or its only for new account holders. Maybe someone who took this offer can clarify?
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If not mistaken, it is only applicable to 1st FD (direct), 3months? and maximum of 200k.
bbgoat
post Feb 14 2017, 02:09 PM

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Someone has provided info on HSBC Premier FD deal before, min 100k, max 200k. See below link:

https://www.hsbc.com.my/1/2/personal-bankin...YH_PWS_DUAL_LPR
5p3ak
post Feb 14 2017, 02:20 PM

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Just did OCBC 4% 12months, min 10k, till April 2017. Quick and simple.
TOMEI-R
post Feb 14 2017, 02:21 PM

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QUOTE(ProxMatoR @ Feb 14 2017, 01:56 PM)
If not mistaken, it is only applicable to 1st FD (direct), 3months? and maximum of 200k.
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Yes... as usual. For new customers only and you have to be in premier banking to enjoy that interest rate.
Pain4UrsinZ
post Feb 14 2017, 06:26 PM

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went to cimb today, 3.7% for 3 months
giko
post Feb 14 2017, 06:37 PM

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QUOTE(5p3ak @ Feb 14 2017, 02:20 PM)
Just did OCBC 4% 12months, min 10k, till April 2017. Quick and simple.
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need to open CASA for the monthly FD interest?
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