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

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cybpsych
post Feb 7 2022, 11:40 AM

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QUOTE(adele123 @ Feb 7 2022, 11:06 AM)
Oops, i'm so outdated, i'm still living in few years ago. Thanks for clearing this up. I will think hard to commit or not to commit for 2 years.
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IMO, current 6mth placement is reasonable.

12mth if dont want the hassle monitoring OPR biggrin.gif
cybpsych
post Feb 15 2022, 04:01 PM

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UOB SATURDAY BANKING SPECIAL FD PLUS PROMOTION TERMS AND CONDITIONS

12 months @ 2.50% p.a.

https://www.uob.com.my/web-resources/person...omotion-tnc.pdf

United Overseas Bank (Malaysia) Bhd (Company No. 271809-K) (“UOB Malaysia”) is organising
Saturday Banking Special FD Plus Promotion (“Promotion”) on 5 February, 12 February, 19 February
and 26 February 2022 (“Promotion Period(s)”).

This Promotion is offered exclusively at selected UOB Malaysia branches which are open for Saturday
banking during the Promotion Period(s) as listed at https://www.uob.com.my/personal/save/saturd...king-hours.page (“UOB Malaysia Saturday Banking Branches”).
cybpsych
post Feb 15 2022, 04:11 PM

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QUOTE(Sushi_Mushi @ Feb 15 2022, 04:02 PM)
Hi, I wonder if anyone could answer this.
Fixed deposit with autorenewal feature has to be updated around 7 years to avoid becoming unclaimed money right, how about e-fixed deposit? Is it necessary and how to update for e-fixed deposit?
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not expert, but i guess same treatment

the fd/efd must be managed by you in order to avoid unclaimed money

for efd, i guess you need to uplift it and place it back again

https://www.anm.gov.my/en/faqs/unclaimed-moneys-and-cds-mof
cybpsych
post Feb 16 2022, 01:33 PM

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QUOTE(joeduff @ Feb 16 2022, 11:34 AM)
no any promotion rate for Bank Rakyat?
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see here got or not https://www.bankrakyat.com.my/c/campaigns/campaigns
cybpsych
post Feb 17 2022, 06:06 AM

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QUOTE(adele123 @ Feb 15 2022, 08:15 PM)
PSA: RHB eFD or technically they are calling it eCMDi because it's islamic

10 Feb 2022 to 31 Mar 2022

6 months - 2.48%
9 months - 2.48%
TnC
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QUOTE(ck_yoong @ Feb 16 2022, 11:13 PM)
RHB eFD 6mths or 9mths at 2.48% via FPX fresh funds
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same above

promo page here https://www.rhbgroup.com/248/index.html
cybpsych
post Mar 1 2022, 07:14 AM

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Fixed Deposit (FD) Promotion, EFD Promotion - Hong Leong Bank

3 mths - 2.25%
6 mths - 2.30%
12 mths - 2.40%
18 mths - 2.60%
24 mths - 2.75%


Promotion | Step Up Fixed Deposit Promotion

6 mths - effective rate 2.40%
36 mths - effective rate 2.72%

This post has been edited by cybpsych: Mar 2 2022, 09:50 PM
cybpsych
post Mar 2 2022, 09:50 PM

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QUOTE(Johnslow @ Mar 2 2022, 09:32 PM)
step up the website says 36 months 2.72%  :confused:

anyway 3 years 2.72%  reckon good?
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I guess my typo for 36mth
cybpsych
post Mar 3 2022, 03:23 PM

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Flash: BNM maintains OPR at 1.75%

https://www.bnm.gov.my/-/monetary-policy-statement-03032022

This post has been edited by cybpsych: Mar 3 2022, 03:23 PM
cybpsych
post Mar 4 2022, 06:33 AM

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QUOTE(cybpsych @ Mar 1 2022, 07:14 AM)
Fixed Deposit (FD) Promotion, EFD Promotion - Hong Leong Bank

3 mths - 2.25%
6 mths - 2.30%
12 mths - 2.40%
18 mths - 2.60%
24 mths - 2.75%


Promotion | Step Up Fixed Deposit Promotion

6 mths - effective rate 2.40%
36 mths - effective rate 2.72%
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hlb revised their efd

Fixed Deposit (FD) Promotion, EFD Promotion - Hong Leong Bank


3 mths - 2.15%
6 mths - 2.25%
12 mths - 2.35%
18 mths - 2.50%
24 mths - 2.75%

This post has been edited by cybpsych: Mar 4 2022, 08:38 AM
cybpsych
post Mar 5 2022, 10:22 AM

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QUOTE(c64 @ Mar 5 2022, 08:09 AM)
I just realized something with RHB eFDs today...penipu scammer. You can't withdraw today on maturity day, if you withdraw today, will kena Term cancel penalty. If withdraw tomorrow will kena lose one day of interest after they auto renew.

Other banks auto renew also allows me to withdraw with no penalty on maturity date and I don't lose any interest.
RHB=Really Horrible Bank
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use Uplift instead if Withdraw
cybpsych
post Mar 8 2022, 07:49 PM

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QUOTE(chiwawa10 @ Mar 8 2022, 04:45 PM)
OCBC any promo rate for FD?
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https://www.ocbc.com.my/personal-banking/ac...ed-deposit.html

user posted image
cybpsych
post Mar 10 2022, 11:15 AM

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UOB March 2022 Saturday Banking Special FD Plus Promotion
5 March, 12 March, 19 March and 26 March 2022

https://www.uob.com.my/web-resources/person...omotion-tnc.pdf

12 months @ 2.50% p.a.
cybpsych
post Mar 10 2022, 01:01 PM

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QUOTE(oldkiasu @ Mar 10 2022, 12:59 PM)
Thanks for the link.

Can read that it is OTC for FF deposited within last seven days with monthly payment of interest at 2.5 % for 12 months. But only 1 placement of between 10k to 5,000,000 allowed at specified on particular Saturday for each specified  UOB bank branch.

However, the link on the webpage for the Saturdays and branches still go to the previous February 2022 Saturday promo which had not been revised/updated for this promo. Very typical problem when looking for info on bank promos - don't know why UOB and other bank managements keep sleeping and seemingly unaware of how badly their web promos and info is badly promoted.
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better call up the respective branch to confirm before heading there on Saturdays thumbsup.gif
cybpsych
post Mar 11 2022, 10:46 AM

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QUOTE(1282009 @ Mar 11 2022, 12:55 AM)
Too long sad.gif
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normal la

long tenor = higher rate

short tenor = lower rate


cybpsych
post Mar 22 2022, 02:08 PM

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QUOTE(adele123 @ Mar 22 2022, 01:29 PM)
btw, i have not placed FD more than 1 year before. for FD more than 1 year... example HLB 2.75% for 24 months

if i place today 22 / 03 / 2022, it will expire 22 / 03 / 2024

so the interest is 2.75% p.a * 2, which means for 10k placement, interest is RM275*2 = RM550?
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roughly there

using 365 per year (or 731 days for 2yr tenor), you'd get roughly 550.75 profit
cybpsych
post Mar 23 2022, 08:16 AM

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QUOTE(c64 @ Mar 23 2022, 06:41 AM)
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QUOTE(c64 @ Mar 23 2022, 06:48 AM)
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QUOTE(c64 @ Mar 23 2022, 06:55 AM)
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dont spam-reply le

use multi-quote instead. guide is here https://forum.lowyat.net/index.php?act=faq&article=10
cybpsych
post Mar 28 2022, 10:49 PM

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user posted image

Public Islamic: 15-Month and 18-Month Term Deposit-i Campaign

Please be informed that Public Islamic Bank is launching a new “PIBB 15-Month and 18-Month Term Deposit-i”

Campaign starting from 28 March 2022 to 30 July 2022.

Click here for the Campaign’s Terms & Conditions in English.

15-month @ 2.55% p.a.
18-month @ 2.65% p.a.

RM5k min per placement



This post has been edited by cybpsych: Apr 17 2022, 05:58 PM
cybpsych
post Mar 31 2022, 07:57 AM

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Make your salary work harder for you with our 2-day exclusive offer. Enjoy up to 2.35% p.a. for 3 months when you place a minimum of RM10,000 eFD/eFD-i on HLB Connect.

Don't miss out on this offer happening only on 𝟑𝟎 & 𝟑𝟏 𝐌𝐚𝐫𝐜𝐡 𝟐𝟎𝟐𝟐.

T&Cs apply at https://www.hlb.com.my/payday

user posted image
cybpsych
post Apr 1 2022, 01:49 PM

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QUOTE(1282009 @ Apr 1 2022, 01:46 PM)
Hahaha. I missed it else i would go for it since i am short tenure ..
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yes, not everyone same preference and behavior like him. some, like you, will take the opportunity to go for it.

btw, hlb new rates on website https://www.hlb.com.my/en/personal-banking/...fd-i-promo.html (someone shared the rates earlier as well)
cybpsych
post Apr 1 2022, 01:53 PM

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QUOTE(1282009 @ Apr 1 2022, 01:51 PM)
Really so low 2.25% for 6 months .. aikk
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well, if fund sitting there doing nothing, might as well just grab whatever best deal available.

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