now cannot find any better deals...
This post has been edited by TSOM: Dec 23 2016, 09:10 AM
Fixed Deposit Rates In Malaysia V. No.15, Strictly for FD Discussion Only
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 Dec 22 2016, 09:11 PM
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#1
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Senior Member
2,145 posts Joined: Mar 2009 From: 1BORNEO 
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regret didn't place more FD in Maybank eFD flexi campaign in may for 4.31% ...
now cannot find any better deals... This post has been edited by TSOM: Dec 23 2016, 09:10 AM |
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Dec 22 2016, 10:27 PM
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#2
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QUOTE(tonytyk @ Dec 22 2016, 10:18 PM) 4.7% effective rate? sorry, I read wrongly, it's 4.31% effective rate. This post has been edited by TSOM: Dec 23 2016, 09:11 AM |
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Dec 23 2016, 09:04 AM
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#3
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QUOTE(yygo @ Dec 23 2016, 08:56 AM) got meh? sorry sorry .... I read wrongly... the current rate I'm receiving now is 4.7% but effective rate is 4.31% only.  pure fd? tis was not discussed in tis thread before. last 3 years no 12 months 4.7% fd lo. 1-6th month = 3.4% 7-9th month = 4.7% 10-12th month = 5.75% This post has been edited by TSOM: Dec 23 2016, 09:09 AM |
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Jan 1 2017, 01:07 PM
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#4
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2,145 posts Joined: Mar 2009 From: 1BORNEO
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I tried doing the GIA-i online, hoping to get 6 months 3.90% rate.
but how to know if I did it correctly, or maybe it's just the normal rate??  |
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Jan 26 2017, 01:57 PM
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#5
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2,145 posts Joined: Mar 2009 From: 1BORNEO
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I see that mostly are 12 months for 4% promotion, any short term FD promotion like 1 to 6 months??
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Jan 26 2017, 08:30 PM
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#6
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QUOTE(Deal Hunter @ Jan 26 2017, 04:34 PM) QUOTE(TSOM @ Jan 26 2017, 01:57 PM) I see that mostly are 12 months for 4% promotion, any short term FD promotion like 1 to 6 months?? CIMB all with 10k minimum 1 mth 3.2% 3 mth 3.8% 6 mth 3.45% 12 mth 3.4% HongLeong all with 10k minimum 6 mth 3.8% 12 mth 3.8% 8 mth 4% maybe 4.18% if target reached etc by FPX only, with mthly interest Public Bank all with 10k minimum TD-i 6mth step-up from 3.38% to 4.68% effective 3.88% 12 mth step-up from 3.8% for 6 mth and 4.1% last 6 mth effective 3.95% Alliance with minimum 50k FDGold promo for 40 years plus depositor. 12 mth 4.05% with mthly interest. Bank Rakyat with 10k minimum TD-i 12 mth 4.08% with mthly interest and lucky draw per 10k, end 23 Feb 2017 MBSB with minimum 100k 12 mth 4.10% (Feb-Apr 2017) QUOTE(michaelho @ Jan 26 2017, 06:03 PM) Adding on : thanks!!Ambank 4% for 9 months (monthly interest for Snr Citizen) minimum 20K CIMB can get 3.9% for 3mths for Preferred Customer GONG XI FA CAI !!! |
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Feb 21 2017, 09:06 PM
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#7
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2,145 posts Joined: Mar 2009 From: 1BORNEO
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I'm looking for short term promo like 1 to 3 months... but it seems nowadays everything is 12 months.
btw, what's the economists outlook on our interest rate? rise/fall/stay in the next 12 months? |
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Jul 12 2017, 04:43 PM
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#8
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2,145 posts Joined: Mar 2009 From: 1BORNEO
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any special promo rate for 3 months to 6 months??
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May 23 2018, 06:25 PM
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#9
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Senior Member
2,145 posts Joined: Mar 2009 From: 1BORNEO
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QUOTE(iloveusms @ May 23 2018, 06:03 PM) hi what is need a SA mean?izit saving account? yes. SA = Savings acc. |
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May 25 2018, 01:47 PM
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#10
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2,145 posts Joined: Mar 2009 From: 1BORNEO
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QUOTE(BoomChaCha @ May 25 2018, 12:26 AM) This depends on banks, some pay, some do not pay, some need to ask, like MBSB. normally, after it matured, what rate is applied for those 2 days?? Last time I requested Standard & Chartered bank to transfer my matured FD (matured on Saturday) to saving account on Saturday, so that at least I gained 2 days interest from S&C saving account. Check out first page's Post #3 for more info: https://forum.lowyat.net/topic/4154481 if saving rates, say 0.5%, RM 100k*0.005/(12*30) x 2 days = RM 2.77?? This post has been edited by TSOM: May 25 2018, 03:57 PM |
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May 25 2018, 03:59 PM
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#11
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QUOTE(ProxMatoR @ May 25 2018, 03:53 PM) ur calculation is wrong too. divide by 12 is month right? sorry, that's typo. I divided it by 12*30 ..... and got RM 27. but actually another error is 0.5% = 0.005, not 0.05. Missed 1x zero.  |
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May 25 2018, 04:04 PM
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#12
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Senior Member
2,145 posts Joined: Mar 2009 From: 1BORNEO
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QUOTE(ProxMatoR @ May 25 2018, 04:01 PM) hahaha... I edited the post liao....btw, most CASA now calculate interest based on averaged daily available fund... so now u counted 27, but towards the end it won't be 27 tho... It's RM 2.77.... not RM27.  so maybe it's not worth arguing with the staff to get the 2 days interest. This post has been edited by TSOM: May 25 2018, 04:05 PM |
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May 26 2018, 08:05 PM
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#13
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Senior Member
2,145 posts Joined: Mar 2009 From: 1BORNEO
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QUOTE(pearl_white @ May 26 2018, 02:06 PM) Went for the 4.45% for 2 years with monthly credit of profit. Board rate is 4.35% so if there was premature withdrawal for better deals in the future, I would lose only 0.1%. sorry, which bank is this?They were giving branch specific gifts too, got umbrella, pen, pineng 10000mah powerbank. I chose the powerbank and took 10 units. Worth rm350 at lazada. So okie. |
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May 28 2018, 03:56 PM
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#14
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Senior Member
2,145 posts Joined: Mar 2009 From: 1BORNEO
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QUOTE(LostAndFound @ May 28 2018, 12:58 PM) Best deal still Bank Islam 4.65, interest every 3 months! It's a 24-month FD though. yeah. I think I read somewhere, min 50k. |
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Jun 6 2018, 10:47 AM
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#15
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Senior Member
2,145 posts Joined: Mar 2009 From: 1BORNEO
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QUOTE(zstan @ Jun 6 2018, 10:12 AM) Aiya i kept thinking Affin Bank is E Fixed Deposit. Mana tau is apply online and then they send you the physical cert later do you need to present the physical cert for redemption or can redeem online?? |
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Jun 7 2018, 10:31 AM
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#16
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Senior Member
2,145 posts Joined: Mar 2009 From: 1BORNEO
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I saw many 3m, 6m and 12m promo. Any 1 month promo??
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Jun 10 2018, 12:03 PM
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#17
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Senior Member
2,145 posts Joined: Mar 2009 From: 1BORNEO
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the Maybank FD promo must be fresh funds right??
so if I already got funds in maybank, I have to transfer it to another bank and then transfer it back to maybank again?? |
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Jun 10 2018, 08:40 PM
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#18
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Senior Member
2,145 posts Joined: Mar 2009 From: 1BORNEO
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QUOTE(aimeh @ Jun 10 2018, 08:01 PM) This campaign is for fresh fund right? I tot we should fpx from other bank for that promo? ProxMatoRI just tried it. It works, even though it says fresh funds. |
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Jun 24 2018, 07:18 AM
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#19
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Senior Member
2,145 posts Joined: Mar 2009 From: 1BORNEO
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say if I took the 3 months promo by maybank.
If I make early withdrawal, like after 1 month, will I get any interest? |
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Jun 24 2018, 07:28 PM
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#20
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Senior Member
2,145 posts Joined: Mar 2009 From: 1BORNEO
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QUOTE(SunBear1999 @ Jun 24 2018, 08:48 AM) No completely zero?? I thought they used to pay out interest if you fulfil half of the period?? |
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