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

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cybpsych
post Jan 10 2022, 08:44 PM

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Important Notice: Discontinuation of Term Investment Account-i Preferred Campaign
06 January 2022

Dear Valued CIMB Customers,

Please be informed that the Term Investment Account-i Preferred Campaign for January 2022 will be discontinued effective 17 January 2022 (Monday).

Refer to the attachment for details: https://www.cimb.com.my/content/dam/cimb/pe...nued-6jan22.pdf
cybpsych
post Jan 17 2022, 12:56 PM

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QUOTE(leo_kiatez @ Jan 17 2022, 10:50 AM)
What does the "-V" in the above "ASNB-V" means? So ASNB Fixed Price is considered for RM250k for CIMB Preferred??
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Amanah Saham Nasional Berhad – Variable Price Fund(s)
cybpsych
post Jan 19 2022, 01:20 PM

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QUOTE(Chrono-Trigger @ Jan 19 2022, 12:02 PM)
interest going up.... my mortgage also going up  sad.gif
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yep painful
cybpsych
post Jan 20 2022, 03:47 PM

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At its meeting today, the Monetary Policy Committee (MPC) of Bank Negara Malaysia decided to maintain the Overnight Policy Rate (OPR) at 1.75 percent.

https://www.bnm.gov.my/-/monetary-policy-statement-20012022
cybpsych
post Jan 20 2022, 05:06 PM

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QUOTE(Human Nature @ Jan 20 2022, 04:55 PM)
Sigh, no CNY cheers
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mortage interest maintain low sweat.gif
cybpsych
post Jan 20 2022, 06:32 PM

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QUOTE(babysotong @ Jan 20 2022, 05:29 PM)
Affin rates better. Some more, it is a FD and not TIA
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not everyone using affin service anyway

hlb tia so far gives me "stable" interest, no surprises of ad-hoc adjustment
cybpsych
post Jan 21 2022, 04:21 PM

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QUOTE(chicaman @ Jan 21 2022, 02:10 PM)
still got ah Affin?
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if affin efd, can try yourself in affinonline portal to check the rates when making placement

QUOTE(wayton @ Jan 21 2022, 03:37 PM)
What is meant by "ad hoc adjustment"?

Your TIA everytime get the exactly interest as published when matured?
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TIA is not guaranteed. rate adjustment may happen and the expected interest could be lower.

so far, my hlb tia placement seems ok: expected interest during placement vs maturity interest.
cybpsych
post Jan 22 2022, 07:30 AM

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Revision to the Placement Limit of PB eFD via FPX
- 21 January 2022

Dear Valued Customers,

The maximum limit for PB eFixed Deposit (PB eFD) placement via Financial Process Exchange (FPX) has been increased to RM200,000 per transaction (“Revised Limit”).

However, if the limit for transfer of funds via FPX in your accounts with other banks is lower than the Revised Limit, the placement will be subject to that lower limit.

The above will take effect from 14 February 2022.

Thank you.
cybpsych
post Jan 25 2022, 06:28 AM

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QUOTE(oldkiasu @ Jan 21 2022, 06:46 PM)
The following extract from today's bank digest report may help-

AFFIN
Normal Conventional EFD and Islamic ETD online rates

mths          rate % p.a.

1,2              1.50
3                1.55
4,5              1.60
6                1.70
7,8,9,10,11  1.80
12,15,24      1.85

AFFIN online promo rates

mths            EFD      ETD

1                  2.05
3                  2.35
5                  1.60      1.60
6                  2.40
8                  1.80
9                  2.45      2.45
11                1.80
12                2.50      2.50
18                2.52      2.55
24                2.58      2.58

Options at maturity - Renew principal only, Credit to account, Renew principal and interest/profit.

Please check at website whether rates still appicable when placing online.
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QUOTE(joeblow @ Jan 24 2022, 12:22 PM)
Affin rate expired 20th Jan 2022. Anyone has updated rate?

FYI for those high amounts (6 digits) and priority banking, please talk to your RM or branch manager for better rates. You might be surprised.

Normally CIMB and Citibank will give me 0.05% or more than their promo or published rate. AMBank also quite "flexible" with their rates.
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above

also can try check within affinonline efd
cybpsych
post Jan 25 2022, 10:09 AM

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QUOTE(jhleo1 @ Jan 25 2022, 10:05 AM)
Anyone can tell me how to check those special rate in affinonline efd? Only user can check? Affin website seems not user friendly.
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TRY to make an efd placement in affinonline

you can see the available rates vs period
cybpsych
post Jan 26 2022, 07:27 PM

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6-months FD/TD-i & CASA/-i Bundle Campaign

https://www.ambank.com.my/eng/promotions-pa...Bundle-Campaign

Make your placement now in our Fixed Deposit/Term Deposit-i (FD/TD-i) and Current or Savings Account/Current or Savings Account-i (CASA/CASA-i) combined offer to enjoy the Promotion Rates!

The Effective Rate will range between 2.25% p.a. - 2.59% p.a.


user posted image
cybpsych
post Jan 27 2022, 06:22 AM

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QUOTE(sweetpea123 @ Jan 26 2022, 11:27 PM)
6          2.48       HL

Interesting... OTC or online?
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HLB CNY 2022 eFD

user posted image
cybpsych
post Jan 28 2022, 05:51 PM

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QUOTE(N9484640 @ Jan 28 2022, 04:40 PM)
That app AffinSecure right, just for authorizing amount above 10k? Is that the one?
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yes
cybpsych
post Feb 1 2022, 08:51 AM

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user posted image

Bank from home and enjoy up to 2.80%p.a. for 24 months [ HLB | T&Cs ]
01 FEBRUARY 2022-28 FEBRUARY 2022

user posted image
Should there be an Overnight Policy Rate (OPR) change, the Promotional Rate may be revised


user posted image

Step Up Fixed Deposit Promotion [ HLB | T&Cs ]
01 FEBRUARY 2022-28 FEBRUARY 2022

Step Up FD/FD-i 6-Month Rate Breakdown
Month 1-122.45% p.a.
Month 13-242.80% p.a.
Month 25-363.05% p.a.
Effective Rate2.77% p.a.

FD/FD-i interest/profit will be credited into the customer’s nominated Current/Saving Account/Account-i upon maturity of the 36-months tenure.
Should there be an Overnight Policy Rate (OPR) change, the Promotional Step Up FD/FD-i 36-Month Rates may be revised.

This post has been edited by cybpsych: Feb 1 2022, 09:17 AM
cybpsych
post Feb 1 2022, 09:38 AM

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user posted image

https://www.alliancebank.com.my/promotions/...k-campaign.aspx
cybpsych
post Feb 1 2022, 06:25 PM

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QUOTE(sweetpea123 @ Feb 1 2022, 05:40 PM)
Should there be an Overnight Policy Rate (OPR) change, the Promotional Rate may be revised

Hope HLB isn't like CIMB, but this HLB isn't TIA right?
How come FD has this clause?
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this clause is not new la

OPR change only affect published promo rate, BEFORE your placement. any existing placements are not affected; with exception to TIA or step-up FD or any other variable rates.


furthermore, next OPR news would be on 2-3 March. so, the above promo rates are considered "safe" up until then.
cybpsych
post Feb 2 2022, 08:19 AM

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QUOTE(FLeng @ Feb 2 2022, 07:14 AM)
May I know how to access HL TIA -i promotions?
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hlconnect > apply > investment account-i > new subscription
cybpsych
post Feb 4 2022, 11:52 AM

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QUOTE(Human Nature @ Feb 4 2022, 10:32 AM)
Went to pbb to do rentas otc as online transfer size is limited. Saw a very long queue, turns out it is a special day is it
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LI Chun day, I think. Ong day to do banking.

this morning already did hlb tia 6mth 2.58%. got some efds coincidentally matured today.
cybpsych
post Feb 5 2022, 04:56 PM

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QUOTE(joeblow @ Feb 5 2022, 02:25 PM)
Anyone knows if the 2.8% 24 months offered by Hong Leong bank can be OTC? I understand is eFD and via FPX, but just wondering if anyone asked. Seems like highest rate now.
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better ask your nearest hlb branch on Monday

maybe they open it for OTC but upon request/specfic placement amout thumbsup.gif
cybpsych
post Feb 7 2022, 10:56 AM

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QUOTE(adele123 @ Feb 7 2022, 10:36 AM)
Btw, to the sifu expert in >1 year FD placement as i have not done this before, i saw this T&C in HLB
i'm interested in placing 2 years FD, but if place 1.5 years then become kosong quite wasted. and there's no interest payment until maturity only. is this the norm for >1 year FD placement?
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already few years since profit crediting terms has been changed ... iinm, 2-3 years back. you can search in this topic whereby banks started to notify potential fd customers.

no more periodic/partial profit crediting... unless specified otherwise, which you gotta check with the respective bank


for hlb, in simple term, if you put 18mth or 24mth placement, then get profit+principal upon maturity only. clear cut and cleaner.

you do premature withdrawal at any time, lose ALL the accrued profit.
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