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

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mrhseinpingq
post Feb 1 2018, 03:18 AM

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❗Notice ❗

Public bank revised rate effective 30th Jan 2018 onwards

BLR : from 6.72% to 6.97%
BR : from 3.52% to 3.77%

Maybank has revised interest rate effective 29th Jan 2018 onwards

BLR : from 6.65% to 6.9%
BR : from 3 % to 3.25%

CIMB has revised interest rate effective 2nd Feb 2018 onwards

BLR : from 6.75% to 7%
BR : from 3.9% to 4.15%

Affin bank revised interest effective from 30th Jan 2018

BLR : from 6.5% to 6.75%
BR : from 3.85 % to 4.10%

Hong Leong revised interest effective from 30th Jan 2018
BLR : from 6.79% to 7.04%
BR : from 3.78 % to 4.03%
mrhseinpingq
post Feb 1 2018, 03:48 AM

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QUOTE(BoomChaCha @ Jan 30 2018, 08:47 PM)
Am Bank told me yesterday, minimum FD amount RM 50K can get 4.3% for 1 year.
But I forgot to ask is this must be a new fund or not?

Why didn't you go for Hong Leong?  4.3% for 1 year
Taiko  thumbsup.gif  Thanks for the calculation.
So time is money, we cannot wait.
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4.38 is not that high, given is 18 monts.

mrhseinpingq
post Feb 1 2018, 04:08 PM

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QUOTE(cherroy @ Feb 1 2018, 03:15 PM)
No charges for time being.
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Can i do a transfer to others bank using FPX since no charges?
mrhseinpingq
post Feb 1 2018, 04:28 PM

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QUOTE(acougan @ Feb 1 2018, 03:03 PM)
Open day promo is minimum rm100k per fd. Mini-ikanbilis no need go, haha.
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Sorry, i cannot find back the link for this promotion.
any idea?

mrhseinpingq
post Feb 1 2018, 04:38 PM

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QUOTE(cherroy @ Feb 1 2018, 04:35 PM)
No.
FPX is a payment gateway system.
In FPX, the money is actually transferred from your ac to a "merchant", not for yourself or any ordinary bank account.

In the e-fd FPX mechanism, the money is transferred to HL bank from your other bank account, or in other word, the bank "sell" you a e-FD, and you paid for it using your other bank account via FPX.

It is different compared to IBF, IBFT or Rentas
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Thank you. I am curious, how come FPX merchant did not charge us?
mrhseinpingq
post Feb 2 2018, 12:13 AM

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QUOTE(acougan @ Feb 1 2018, 03:03 PM)
Open day promo is minimum rm100k per fd. Mini-ikanbilis no need go, haha.
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Sorry, did you mean HLB CNY Open House promotion?
It didnt say need min 100k per fd.
did i read wrongly?

https://www.hlb.com.my/en/personal-banking/...open-house.html

https://www.hlb.com.my/en/personal-banking/...ons/cny-fd.html


mrhseinpingq
post Feb 3 2018, 07:00 AM

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hl bank offer fd only on 1-Day Open House between 27 January 2018 and 24 February 2018 (“Open House Date”)
4.15% 6 mth min 100k
4.35% 12mth min 100k
t&c https://www.hlb.com.my/content/dam/hlb/my/i...n-house-tnc.pdf
List of Chinese News Year Branch Open House:
https://www.hlb.com.my/content/dam/hlb/my/i...-house-list.pdf


Given that need min 12m, 4.35% consider not high
mrhseinpingq
post Feb 3 2018, 06:57 PM

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[quote=cybpsych,Feb 3 2018, 05:31 PM]
PB Special FD/TD-i Campaign

6-Month @ 4.00% p.a.
12-Month @ 4.20% p.a.

Please be informed that Public Bank is launching a new fixed deposit/term deposit-i campaign known as “PB Special Fixed Deposit/Term Deposit-i” starting from 1 February to 30 April 2018.

Click here for the Campaign’s Terms and Conditions in English.
Click here for the Campaign’s Terms and Conditions in Bahasa Malaysia.
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[/quote

consider not high as 4.2% only until 30 April as we all waiting the rate increase
mrhseinpingq
post Feb 4 2018, 06:53 PM

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QUOTE(topearn @ Feb 4 2018, 01:39 PM)
4.2% for 12 months lousy rate to U ? I thought highest rate currently is just 4.3% for 12 m for HLB and 15m for MBB ? U mean got much higher rate than 4.3% ?
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Yes, very low rate.
RHB is having 4.25% for 13 months before the "OPR just increased from 3.0% to 3.25% on Jan 25".
And after OPR increase from 3.0% to 3.25% on Jan 25, HLB still giving 4.2% for 12 months as last time.

QUOTE(topearn @ Feb 4 2018, 01:37 PM)
Waiting for rate increase ? OPR just increased from 3.0% to 3.25% on Jan 25. U mean another OPR rate increase soon ?
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Yes, very low rate.
RHB is having 4.25% for 13 months before the "OPR just increased from 3.0% to 3.25% on Jan 25".
And after OPR increase from 3.0% to 3.25% on Jan 25, HLB still giving 4.2% for 12 months as last time.
mrhseinpingq
post Feb 4 2018, 07:34 PM

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QUOTE(yygo @ Feb 4 2018, 07:21 PM)
bro, 4.2 to 4.3% for 1 year fd is not bad. may not get any higher, have to wait liow, when???  laugh.gif

you think opr increase, fd promo got 4.3+0.25???  tongue.gif
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No lar, but increase a little not on promotion FD i think.
RHB before OPR increase also 4.25% lioa, after OPR increase, other bank the same.


mrhseinpingq
post Feb 4 2018, 09:20 PM

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QUOTE(sandkoh @ Feb 4 2018, 08:12 PM)
bro, cannot say "very low rate".

bank fd promo rate change susah to predict, after opr increase. wait, wait ..................4.4, 4.5% 1 tahun  whistling.gif  whistling.gif
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FD 4.3% cannot flight inflection rate, put in property also cannot earn.

You mean 1 tahun is wait for 1 year for bank to increase FD rate after OPR?
mrhseinpingq
post Feb 5 2018, 07:38 PM

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https://www.rhbgroup.com/products-and-servi...eposit-campaign

wonder who will get the RM 50,000 which is only 1 prize
mrhseinpingq
post Feb 8 2018, 06:36 PM

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QUOTE(teehk_tee @ Feb 8 2018, 05:16 PM)
went to maybank today

new promo IFD-i BEST 5 Campaign (Islamic FD)
7 Feb - 28 Feb or reaching overall limit of RM870mil, whichever earlier

5 Mths - 4.06% (Fresh Fund)

Eligibility
Retail/Individual Customers : min RM10,000 in a single certificate , max RM 15mil per customer
SME/Business/Sole Prop/Partnership/Societies etc: min RM 25,000 in a single certificate, max RM 25mil per customer
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Got link for it?
Or only your branch offer?
mrhseinpingq
post Feb 8 2018, 11:58 PM

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QUOTE(teehk_tee @ Feb 8 2018, 07:37 PM)
I went to KL main. They gave me a brochure only
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can take pic and show us?
mrhseinpingq
post Feb 12 2018, 08:20 PM

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QUOTE(cherroy @ Feb 12 2018, 03:24 PM)
OBCB 4.38%, with both option of interest credit on maturity or monthly (need Mi FD account)

UOB 4.3%, monthly interest,

HLB e-FD 4.28% 8 month, 4.38% 18 month, OTC 4.3%.
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RHB 13 months, 4.25%
mrhseinpingq
post Feb 12 2018, 09:48 PM

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I found i can do FPX in RHB online.
So what is different FPX and transfer GIRO?

FPX no charges,
GIRO: RM 0.55,

Is FPX safe and secure?

Why Maybank2u do not have FPX?
mrhseinpingq
post Mar 18 2018, 07:50 PM

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https://www.rhbgroup.com/438/index.html?utm..._campaign=fd438

RHB 4.38% 15 months
mrhseinpingq
post Mar 18 2018, 08:28 PM

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OBCB 4.38%, with both option of interest credit on maturity or monthly (need Mi FD account)

UOB 4.3%, monthly interest,

HLB 4.35%,12 months

AmBank 4.35% 12 months (ask for 4.40% if >50k, need HQ approval).

RHB 4.38% 15 months
mrhseinpingq
post Mar 18 2018, 10:39 PM

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QUOTE(acougan @ Mar 18 2018, 10:05 PM)
i dont see any special T&C. maybe dont need CASA, good choice to park some money for non-RHB customers.
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Not sure is real or not. anyone try before?
mrhseinpingq
post Mar 19 2018, 05:40 AM

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QUOTE(acougan @ Mar 18 2018, 10:46 PM)
My parents placed fd under the rhb promotion. they chose 4.25% for 10 mths, but they are regular rhb customers so they already hv CASA.
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Thank you for your reply. I will go on Monday and will update you. Hopefully the branch able to go.

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