Not exactly. The interest earned from FD can credited back to your FD upon maturity.
Ambank offer 4.2% for conventional FD (Highest so far with 1 year term). Other banks stay between 3.9% to 4.1% with variable months promo.

Yes, 4.65% rate will lock RM 50K for 2 years in return.
Unless if have a strong cash flow in next 2 years time, otherwise better to place 1 year FD.

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Who do not want to have a better rate? Nobody will want to against the money, right?
But too bad, RM 50K min deposit will stop some depositors from placing this FD.

By the way, anybody knows what is the best FD rate for 6 months?

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New Bangkok Bank FD Promo

just placed FD at RHB, the promotion for 4.38% for 15mth had been extended to 30 Sept 2018.

find in RHB?

https://www.rhbgroup.com/438/index.html?utm..._campaign=fd438