Fixed Deposit Rates In Malaysia V. No.15, Strictly for FD Discussion Only
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 Dec 26 2018, 04:47 PM
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Senior Member
1,193 posts Joined: Nov 2008 From: Cheras  
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QUOTE(Chrono-Trigger @ Dec 26 2018, 03:35 PM) hi guys, Maybank eFD takes 24 hours to be effective? I notice if I put in eFD, it will only show the next day and effective the next day. what the rate and tenure for eFD?Lose 1 day interest?  |
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Dec 26 2018, 05:37 PM
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All Stars
10,319 posts Joined: Dec 2009 From: Malaysia
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QUOTE(gsc @ Dec 26 2018, 03:40 PM) CIMB is misleading customer. The website didnt mention first 20K in PCA get no interest. Thus effective rate is 4.77%. It is 5.1% if your deposit is > 2 mill.. i thought it's ratio of 1:4?say 50k in current account and assuming 1st 20k nets no interest , subsequent 30k nets 1.8% p.a. 135 / quarter 200k nets 6% p.a. = 3,000 / quarter total return = (3000+135) / (250000) x 4 quarter = 5.02% p.a? latest current promotion they drop it to ratio of 1:3 which obviously make it worst but still higher than 4.8% easily, no? |
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Dec 26 2018, 05:39 PM
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Junior Member
468 posts Joined: May 2011
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QUOTE(panacea @ Dec 26 2018, 01:00 PM) Placing this promo eFD seem to count towards basic SA (no annual fee) free OTC quota. Got charged RM5 'volume charge', interesting. https://www.cimbclicks.com.my/content/eFD2018.htmlThe link doesn't work anymore? This post has been edited by Chinus: Dec 26 2018, 05:39 PM |
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Dec 26 2018, 06:13 PM
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Junior Member
14 posts Joined: Jan 2013
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QUOTE(LostAndFound @ Dec 26 2018, 02:57 PM) I have a BSA, and placed without charge. Unless you mean you did more than 6 placements hence got charged. I just did one lump placement. Yup, more than 6 placements. Since this eFD is done through online banking, did not expect it to be count as OTC. |
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Dec 26 2018, 06:32 PM
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Senior Member
1,193 posts Joined: Nov 2008 From: Cheras
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QUOTE(Chinus @ Dec 26 2018, 05:39 PM) now should be ok de...few hrs ago under maintenance. |
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Dec 26 2018, 06:36 PM
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Junior Member
176 posts Joined: Sep 2008
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Just went Affin for 15mths 4.45%. 12mths 4.4%. Until 31/12/2018.
This post has been edited by wesleycjh: Dec 26 2018, 06:37 PM |
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Dec 26 2018, 07:17 PM
Show posts by this member only | IPv6 | Post
#9527
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Senior Member
4,230 posts Joined: Jan 2009
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QUOTE(gsc @ Dec 26 2018, 03:42 PM) 6 mth 4.4% is for senior saver. Nop, I was at the branch. Its for everyone but if snr, then the interest can be creditted monthly instead of at end of tenure.In fact all AM promo rates unchanged till 30/12 So end up I went for the longer tenure at UOB. |
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Dec 26 2018, 07:21 PM
Show posts by this member only | IPv6 | Post
#9528
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Senior Member
4,230 posts Joined: Jan 2009
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QUOTE(wesleycjh @ Dec 26 2018, 06:36 PM) Just went Affin for 15mths 4.45%. 12mths 4.4%. Until 31/12/2018. Too bad no Affin nearby my area else would go for 15 mths..  |
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Dec 26 2018, 07:25 PM
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Senior Member
1,193 posts Joined: Nov 2008 From: Cheras
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QUOTE(Micky78 @ Dec 26 2018, 06:32 PM) now should be ok de...few hrs ago under maintenance. done placement. fast n easy. |
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Dec 27 2018, 12:22 AM
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Junior Member
161 posts Joined: Mar 2011
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HI Sifu, Maybank any FD promo now?
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Dec 27 2018, 08:46 AM
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Senior Member
1,972 posts Joined: Jan 2008
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QUOTE(Chinus @ Dec 26 2018, 05:39 PM) Haha so many people transfer out their money from Cimb due to the security issue that day...no surprise if Cimb offers better promos like this to regain the funds. |
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Dec 27 2018, 11:20 AM
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Junior Member
161 posts Joined: Sep 2006
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Hi. Admin or anybody, can help update the 1st page?
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Dec 27 2018, 02:13 PM
Show posts by this member only | IPv6 | Post
#9533
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Junior Member
558 posts Joined: Jul 2017
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QUOTE(Chili_90 @ Dec 27 2018, 12:22 AM) HI Sifu, Maybank any FD promo now? Noticed no one discuss on maybank promo rates here. Maybe there is none. |
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Dec 27 2018, 02:23 PM
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Senior Member
789 posts Joined: Oct 2006
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HL bank e-FD 6 months 4.0% valid until 31st Dec 18
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Dec 27 2018, 04:36 PM
Show posts by this member only | IPv6 | Post
#9535
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Senior Member
7,830 posts Joined: Jan 2005
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QUOTE(Human Nature @ Dec 18 2018, 01:36 PM) Managed to renew my ambank FD with the 4.3% 12months rate. Thanks all for sharing I went to withdraw and was also counter-offered with 4.3%. standard rate is 4.2%. those 50+ only 4.4%. |
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Dec 27 2018, 07:11 PM
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All Stars
65,365 posts Joined: Jan 2003
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Dec 27 2018, 07:26 PM
Show posts by this member only | IPv6 | Post
#9537
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Junior Member
409 posts Joined: Jul 2005
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thanks to those that shared the eFD for cimb 4.5% for 6 months. awesome deal!
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Dec 27 2018, 07:46 PM
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Junior Member
15 posts Joined: Mar 2005
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Just wondering what cimb efd offer will be for next month after this 4.5% expire by end of this month.
With many getting year end bonus and have extra fund coming in Jan, hope they give even better promo. This post has been edited by tornedo: Dec 27 2018, 07:48 PM |
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Dec 27 2018, 10:33 PM
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Junior Member
259 posts Joined: Jul 2009
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want to ask those 6 months tenure FD, what happen after 6 months? will the rate still the same?
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Dec 27 2018, 10:37 PM
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Junior Member
775 posts Joined: Nov 2015
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QUOTE(tornedo @ Dec 27 2018, 08:46 PM) With many getting year end bonus and have extra fund coming in Jan, hope they give even better promo. No, beginning of January always very bad for promos. But CNY will bring some offers. Anyway I would be surprised if we see anything higher than 4.5 for 6 or 12 month next year.QUOTE(lavenzo @ Dec 27 2018, 11:33 PM) want to ask those 6 months tenure FD, what happen after 6 months? will the rate still the same? Certainly not, will fall down to base rate. You have to cancel the renewed FD immediately. |
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