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

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SUSCardNoob
post Jun 28 2019, 06:07 PM

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QUOTE(majorarmstrong @ Jun 28 2019, 05:33 PM)
do note that this cannot do online and must be over the counter
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Worth it for the extra up to 0.5% difference?
To exchange for parking and time to be present at the counter?
SUSCardNoob
post Jul 1 2019, 10:46 AM

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QUOTE(Human Nature @ Jul 1 2019, 10:43 AM)
UOB islamic
4m 3.65%
7m 3.75%
12m 3.85%

Ambank
No new promo
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OTC placement?
SUSCardNoob
post Jul 4 2019, 01:57 PM

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QUOTE(whycanot323 @ Jul 4 2019, 01:56 PM)
no limit
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Can place multiple FDs for that particular day?
SUSCardNoob
post Jul 4 2019, 05:21 PM

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Affin got two branches in Penang:

1. Bayan Baru opposite Giant Bayan Baru
2. Lebuh Light near to Menara GE at Georgetown

Only these two I'm aware of.
SUSCardNoob
post Jul 4 2019, 05:33 PM

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QUOTE(gchowyh @ Jul 4 2019, 05:31 PM)
The branches are SS2, Sea Park and Rawang (not sure how many branches are there in Rawang though)
There was only once SS2 was very fast where the receptionist actually did the whole placement of FD
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Wow, you went till Rawang just to place a high interest FD. blink.gif blink.gif blink.gif
SUSCardNoob
post Jul 4 2019, 06:31 PM

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UOB Jalan Pudu just called me that they're opening this Saturday and there's special rate FD will be offering.
Too bad I can't make it as I'm not based in KL or Klang Valley.
SUSCardNoob
post Jul 4 2019, 09:46 PM

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QUOTE(hwachong @ Jul 4 2019, 09:45 PM)
mind to share the special rate?
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I didn't ask further as I'm not interested as I couldn't present myself there.
SUSCardNoob
post Jul 5 2019, 01:51 PM

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QUOTE(hwachong @ Jul 4 2019, 09:45 PM)
mind to share the special rate?
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Got a SMS about this from UOB Pudu.

3.8% pa for 7-months tenure.
Min RM 10k new fund.

Similarly as BoomChaCha post.
SUSCardNoob
post Jul 7 2019, 08:55 PM

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QUOTE(cwkhor @ Jul 7 2019, 05:00 PM)
Can test water with small amount, the top up is done using card, free interest for 45days
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Daily interest?
Will be given upon withdrawal or cash out?
SUSCardNoob
post Jul 8 2019, 02:35 PM

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QUOTE(lowya @ Jul 8 2019, 02:33 PM)
red light on. adenda is already out there to wipe out your 1 month interest. stay away.
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So it is not going to be attractive now. dry.gif
SUSCardNoob
post Jul 8 2019, 08:30 PM

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QUOTE(TheRant @ Jul 8 2019, 08:27 PM)
Judy curious. This ration has to be maintained at all times is it? Would be quite attractive if can put some money of it at high yield account
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a) Deposit the minimum amount indicated in Clause 14 into the CASA/CASA-i (“Participating Account(s)”) in one transaction; AND
b) Maintain the deposited amount as per Clause 14 in the Participating Account(s) for three (3) months commencing from the date of deposit placement (“the Earmarking”)

URL: https://www.cimbbank.com.my/content/dam/cim...FD_4.7(ENG).pdf
SUSCardNoob
post Jul 8 2019, 08:34 PM

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QUOTE(David_Yang @ Jul 8 2019, 08:30 PM)
You can put more in the current account, but that makes you effective rate even worse.

I am too lazy to calculate, but with 300k FD and 100k current the effective rate will be under 4%. Maybe  dry.gif
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EIR: 3.53% to 4.28%

Read the TnC.
SUSCardNoob
post Jul 8 2019, 10:27 PM

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QUOTE(Darren @ Jul 8 2019, 10:04 PM)
really wonder how they come out with 4.28%...

EIR for the FD amount is 3.53%....add on saving/current account interest can become 4.28%?
personally i skip those FD with earmark...
almost all of the time is lower.....jz marketing make it sound higher only
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Could be the type of CASA that you earmark 10% amount to.
It could a conditional high yield CASA.
SUSCardNoob
post Jul 9 2019, 11:18 AM

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QUOTE(chinkw1 @ Jul 9 2019, 11:12 AM)
My Public Bank FD matured July 17, wonder what's the promo rate FD for Public Bank now?
Anyone can help ?
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QUOTE(cybpsych @ Jul 1 2019, 07:59 AM)
PB eFD Campaign

Please be informed that Public Bank is launching the PB eFixed Deposit (PB eFD) Campaign. The Campaign will run from 1 July 2019 to 30 September 2019.

Click here for the Campaign’s Terms and Conditions.

3-Month 3.15%
6-Month 3.20%
9-Month 3.25%
min RM5k
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SUSCardNoob
post Jul 9 2019, 11:27 AM

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QUOTE(Human Nature @ Jul 9 2019, 11:25 AM)
BNM meeting on OPR is today. Finger cross for no bad news
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No change.
SUSCardNoob
post Jul 9 2019, 03:32 PM

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QUOTE(Wong Kit yew @ Jul 9 2019, 03:08 PM)
Well within expectation.
SUSCardNoob
post Jul 10 2019, 08:40 AM

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QUOTE(Human Nature @ Jul 10 2019, 08:38 AM)
What is the rate?
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3.8% pa for 7-months tenure.
Min RM 10k new fund.
Selected or participating branches
SUSCardNoob
post Jul 10 2019, 08:46 AM

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QUOTE(donhay @ Jul 10 2019, 08:42 AM)
Went to place FD Affin Bank Islamic 4.23% 15 months in MYTOWN cheras KL yesterday (9/7). I hope others can continue do the same.
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The branch is inside MyTown?
SUSCardNoob
post Jul 10 2019, 09:53 AM

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QUOTE(donhay @ Jul 10 2019, 08:49 AM)
yes, LG floor, grocer supermarket floor.
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I see.

There's another Affin branch at end of the main road.
I believe that one is conventional banking branch.

This post has been edited by CardNoob: Jul 10 2019, 10:03 AM
SUSCardNoob
post Jul 10 2019, 05:36 PM

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QUOTE(SilenTz_1993 @ Jul 10 2019, 05:04 PM)
Hi buddy, may I know if this is e-FD or need to go counter to do the transaction? Thanks!  biggrin.gif
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Obviously is OTC placement.

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