yes.
maximum 100k only...
first come first get the units policies...
more people earlier than u...
no units for u anymore   
must fight lorh...
first come first served basis...
whoever earlier buy get to buy 100k maximum...

latecomers don't get if demand too high...

Finally...
Guess they gotten the memo from HQ 😁

Currently this the best rate for 12m so far 👍🎉

Hopefully got others can give little better like 4.6 or 4.8 💰🤑

Finally...
Guess they gotten the memo from HQ 😁

Currently this the best rate for 12m so far 👍🎉

Hopefully got others can give little better like 4.6 or 4.8 💰🤑

if mbsb go 4.6 i will take out my maybank loan at 4.25 🤣

Can goes either way. No sure win.

RHB eFD 3.95% 9 month

Banks have too much liquidity already now, not so hungry for funds anymore

Banks have the liquidity....
Don't really need more deposit especially for FDs....
So why bother giving high promo rates.....

Also last time, already gave out good rate & gotten all the $$$$ required 💪

so kiasu...0.01% also no gip to make it 4% definitely more attractive.

  got it!

So I went to BI just now and they said got another promo 5.9% 70:30 FD:SA deal. LOL coba nasib cabutan tuah win this & that. Effectively ~4.1x% + lottery ticket 

BUT the thing that screw up my day is EPF "promo"  On the way to BI, saw EPF "roadshow" saying voluntary contributions increased to 100K  wef 1/6 today   

As a jobless warga mas, that is very tempting news. Because iinm, **div is calculated yearly but takes into consideration the dates of contributions and withdrawals... not simply the balance at the end of the year. What that means is that we earn div penuh for everyday the money is with kwsp. And we can treat it like a supercharged savings account, masuk keluar sesuka hati vs zero int for premature FD withdrawal. Of course, warga mas only lah

haha I think they are pretty concerned about the withdrawals - that's why raise to 100K from 60K. And I think also good news for FD rates becos now kwsp competing with the banks - surely the banks will respond with higher rates.

So what do u think?

PS:  **Hopefully I am not mistaken about how div is calculated cos that's a major factor to consider

read the excitement in the correct topic https://forum.lowyat.net/topic/4745820

if u okay with Bank Islam 12m FD...

can see their 4.5% FD offering... not bad...

if want liquidity.... then ASM1 is your next best choice... anytime can withdraw... and the rate expected to be 4.5% also (depending on market situation & Fund performance)

Just placed 3 months Islamic FD via HLB Connect online at 3.9% this morning.

Not bad for those looking for short term.

For me, BI ain't so bad, since I am only single holder. Have to come for OTC deposits anyway, so no issue for me.

BR I have never bother due to branches mostly in KL. Affin Bank sucks though. I rate it second worse after Mualamat.

Guys may be off-topic a bit, but need to hear some advice.
If you have spare money, would you rather put it into the FD account (~3.95% of return), or would you put it into the housing loan account (4.25% saving)?