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

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Ichitech
post Feb 11 2017, 07:58 PM

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Tomorrow gonna placed FD in BR, is the IBFT fund consider fresh fund ?
Ichitech
post Jun 13 2017, 07:11 PM

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QUOTE(LazyKurosaki @ Jun 13 2017, 05:56 PM)
Sorry. Jz wanna understand ppl behaviour more. May I know why people prefer fd over unit trust which cn potentially gives u higher return ?
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No clear answer on this bro, depend on your risk appetite.. high risk high return, FD no risk low return
For myself still young guy, 70% still go Unit Trust + Share trading, 30% to FD
Ichitech
post Dec 4 2017, 09:09 PM

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QUOTE(gsc @ Dec 4 2017, 03:00 PM)
My fund in Ocbc getting lower and lower as the interest rate is not attractive. I also have an FD mature this month. Thinking out moving to Am bank. Ocbc is asking to top up to remain PC

Renewal /+fresh fund
6 months 4%
12 months 4.25%
60 months 4.4%
valid till 11/12


Fresh fund
3 months for 4.1%
6 months for 4.2% valid till 29/12 or 2 billion fund size
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This is AMMB??
Ichitech
post Dec 5 2017, 08:08 AM

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QUOTE(bbgoat @ Dec 4 2017, 10:18 PM)
I thought they are the same except the 15 mth 4% ?  hmm.gif

I am also expecting their love letter if I withdraw from OCBC this week. RM still disturbing me on buying UT.  devil.gif

Let us know if u receive the love letter also.  biggrin.gif
AmBank.  biggrin.gif
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wow great, best offer so far.. any term and conditions ? Can't found any in the bank's website.

After some google.. u gonna be kidding me...
https://proxmator.wordpress.com/2017/11/03/ambank-fd-promo/

latest update: 12mth for 4.25% till 4th December.

This post has been edited by Ichitech: Dec 5 2017, 08:10 AM
Ichitech
post Dec 5 2017, 01:52 PM

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QUOTE(bbgoat @ Dec 5 2017, 09:37 AM)
doh.gif People already updated this and said until 11/12. Please see @gsc post above.  laugh.gif
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Luckily havent visit the branch.. Looked at that..

Good Afternoon goh, Welcome to Your Bank, AmBank. I'm Shazira @ Web Chat, how may I help you? 12/5/2017 (13:42)
Shazira> Hi Goh. (13:42)
Shazira> Good day. (13:42)
Shazira> How may I assist you? (13:42)
goh> HI Shariza good aftenron (13:44)
goh> Just a quick check, is there any promotion for FD so far? (13:44)
Shazira> We have e-FD promotion for 4 months 3.60% - until 31/12/2017 (13:46)
goh> erm (13:47)
goh> there is another offer (13:47)
goh> 12 month 4.25% until 11 december 2017 (13:47)
goh> still applicable? (13:47)
Shazira> We have revised the rate to 4.10. (13:50)
The session has been idle for 3 minutes. Please be advised that the chat window will be automatically closed in a minute.
Shazira> Minimum placement is RM50000 fresh funds. (13:51)
goh> hmm (13:51)
goh> so no longer have it? (13:51)
Shazira> Yes regret to inform, it has reached the target. (13:51)
Ichitech
post Dec 5 2017, 07:22 PM

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QUOTE(happying @ Dec 5 2017, 02:41 PM)
i think it depends on the branch..i just went to ambank today and they still have 4.25% for 12 mths..
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Branch mana kawan ?? share share la brows.gif
Ichitech
post Dec 13 2017, 08:29 PM

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QUOTE(bbgoat @ Dec 13 2017, 12:09 PM)
Ask them to check with HQ. They have opened Islamic FD to continue with the promo. Tell them that as well.  biggrin.gif
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My idea before going, call to customer service, then furthermore call to the branch before going.. and when talking to branch, ke si ke si say i already call customer service say still got etc etc
Ichitech
post Dec 15 2017, 10:24 AM

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QUOTE(tcken @ Dec 15 2017, 09:22 AM)
Good Morning everyone. Just want to know Maybank 4.3% FD is still available?
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Yes...
I have a question to ask guys, is Maybank have facility that
1) I can get withdraw the FD once matured on ANY branch
2) Any facility that direct credit all the fund (Including principal + interest) to my savings account.
Ichitech
post Dec 15 2017, 01:08 PM

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QUOTE(gsc @ Dec 15 2017, 11:06 AM)
For today only Am bank 4.3% for 12 months FD
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e-FD or branch ?
Ichitech
post Dec 15 2017, 01:33 PM

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QUOTE(bbgoat @ Dec 15 2017, 01:12 PM)
In AMBANK. Offer today only. Unless next week they extend it. biggrin.gif

Also 24 mth 4.34%, 5 yrs 4.46%.  biggrin.gif
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Branch only ka sifu ?? or e-FD?
Ichitech
post Dec 15 2017, 06:09 PM

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QUOTE(JLHC @ Dec 15 2017, 04:02 PM)
You should be able to instruct them to credit the funds to your savings account upon maturity.
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I went.. Dont have.. but they say the FD can be withdraw anywhere..
By the way, who have placed the MBB 4.3% FD??
is a step up FD with the rate of
3.3 3.7 4.0 4.2 and 6.3 for 3 months each right ? I can't really understand the cert.
Ichitech
post Dec 16 2017, 02:08 AM

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QUOTE(tcken @ Dec 15 2017, 10:17 PM)
Just placed my FD today at Maybank 4.3% for 15months without any problem. It is still available. biggrin.gif
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Great.. How is the cert looks like...
is a step up FD with the rate of
3.3 3.7 4.0 4.2 and 6.3 for 3 months each right ? I can't really understand the cert.
Ichitech
post Feb 18 2018, 10:45 AM

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I had just read thru the past 2 pages and the front page.. so the best so far is
1) OCBC 12M 4.38
2) HLBB 18M 4.38
Anyone got idea the OPR for next 18 months ? 18 months could be risky for another hike i foresee. taught ?
Ichitech
post Feb 18 2018, 11:25 AM

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QUOTE(cybpsych @ Feb 18 2018, 11:01 AM)
you're kidding, right?

who can predict or even know for sure the OPR for the next 18mths la  hmm.gif

next 18 mths (from now) means there are about 9 MPC meetings to go.

even after each MPC meeting, nobody knows exactly how each bank reacts to it.

FD rate doesnt rely on OPR solely and exclusively, there are other combination factors too.
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QUOTE(kenny79 @ Feb 18 2018, 11:05 AM)
I think fd rate really hard to guess on which rate
...None one here is fortune teller.. so just consider as you own.
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Yes agree, but generally OPR changes do influence the rate too right ? for me 18 months could be too long.. I want to have OCBC, but sadly there is no branch here.. with BR is giving lousy rate.. (3.8% for 12M) impossible i put it there.. at my location the most decent so far is HLBB / UOB 12M at 4.3%
Ichitech
post Feb 23 2018, 10:09 PM

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QUOTE(bbgoat @ Feb 23 2018, 04:57 PM)
Fresh ! Just received from RHB RM:

Fresh Fund Deal:
10 mth 4.25%

15 mth 4.38%

min 10k. Till end of June or reach target.

There are also promo bundled with UT, but we are more into pure FD. So will not report here. biggrin.gif
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news or website ? I can't search any...
Ichitech
post Feb 23 2018, 11:11 PM

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QUOTE(bbgoat @ Feb 23 2018, 10:17 PM)
Please read again the info. From RHB RM. Most banks don't update website on FD promo's.  biggrin.gif
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since is from RM.. is it for those priority banking ppl like unker only ?
Ichitech
post Feb 28 2018, 10:40 PM

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FPX from BR is just 10k per day sad.gif sad.gif sad.gif
Any other promotion besides 4.38 18M HLBB ?
Ichitech
post Mar 7 2018, 11:14 PM

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Any other equivalent or better than 12M 4.38 besides AMMB and ABMB ??
How much u guys place FD in 1 bank, I plan to splash more in ABMB but worried on IRB..... and do IRB come disturb if we do so ?
Ichitech
post Mar 17 2019, 08:24 PM

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Hi all, did anyone of you successfully withdraw Maybank FD (Promotional one) at different branch from the one u open it ?
Ichitech
post Mar 18 2019, 11:00 AM

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QUOTE(Cookie101 @ Mar 18 2019, 10:36 AM)
Can uplift no problem.

Cannot cash out beyond 20k. Also need to ensure signature is in their system otherwise they will contact the original branch for verification which will take some time.
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My gosh.. Cash out meant? Can put all in account right? Take cash ? FD for sure more than that...

This post has been edited by Ichitech: Mar 18 2019, 11:01 AM

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