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

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apalexar
post Nov 19 2018, 11:55 AM

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QUOTE(lowya @ Nov 19 2018, 11:51 AM)
just as i thought, useless bank and uesless branch manager unable to give any info about 4.6% promo.

suddenly felt unsecured deposited big bulk with this bank, should have diversified with other banks.
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It's protected by PIDM so just don't exceed the limit covered by PIDM and it should be fine laugh.gif
Thanks for the eFD link btw
apalexar
post Nov 19 2018, 12:09 PM

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QUOTE(lowya @ Nov 19 2018, 12:03 PM)
maybe the link caused the website to crash on the monday morning, lol.
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Ahaha, I did think about it too
Just placed a eFD this morning and plan to put another one just now and found the system down
Hopefully it still available after the system is up again or else I need to go to branch and waste time..
apalexar
post Dec 18 2022, 12:47 PM

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QUOTE(New2LYN @ Dec 3 2022, 10:58 PM)
Standard Chartered new priority banking customer promo campaign, with minimum placement of RM 250k, the promo rate of 4.88% @ 3months is capped for 200k and the other 50k can go for 3m board rate of 2.5%. Effective interest rate is 4.4%pa for 3m. Promo extended till end of this month. Interested can pm me for RM’s contact.

200k * 4.88% = 9,760
50k * 2.5% = 1,250
9,760+1,250 = 11,010/12m*3m = 2,752.50 (approximate as bank will calculate based on days)

Effective interest rate = 11,010/250k = 4.404%
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This promo walk in branch can get?
apalexar
post Dec 23 2022, 01:51 PM

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QUOTE(rahsk @ Dec 23 2022, 01:42 PM)
apologise if it wasn't clear. how best should i write this..  'ambank 18months 4.5% pa fd'
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And SCB is only for new customer who don't have any account with them, min 250k placement, that's make ambank and pbb looks more attractive
apalexar
post Dec 30 2022, 03:29 PM

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QUOTE(SunBear1999 @ Dec 30 2022, 09:13 AM)
I am in AMBank now, latest update, those under 50 years old, FD (OTC only) FD 6 months above can apply for monthly FD interest. Surprise! 😀💜❄️
Happy Saving & Happy New Year ✨2023✨🥂
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Put 200k will auto become PB customer and entitled 4.5% 18m monthly interest? How long this promo available?
apalexar
post Dec 30 2022, 04:56 PM

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QUOTE(SunBear1999 @ Dec 30 2022, 03:54 PM)
user posted image
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Thanks but this one I put ady for min amount, show 6 months interest instead of monthly compare to what you mentioned hmm.gif
apalexar
post Dec 31 2022, 05:35 PM

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QUOTE(tradingGo @ Dec 31 2022, 04:37 PM)
sorry, edited my post for clarity.

Anyway, no choice because today is the last day. So I just did everything online.
Actually wanted to have a joint account and monthly interest crediting. Didn't get that in the end.
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Amount you put is 200k or above right?
apalexar
post Dec 31 2022, 09:03 PM

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QUOTE(tradingGo @ Dec 31 2022, 07:22 PM)
You need to follow the instructions.
If you see 6 months, then clearly you didn't follow the steps.
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I think you misunderstood some parts, first, someone mentioned that can get OTC 4.5% interest if the amount is 200k or above, and the interest will be credited monthly.
If less than 200k, only way to get 4.5% is placing through online but interest credited 6months once if I remember correctly.

This is what I understand from posts above, or I'm the one having misunderstanding sweat.gif
apalexar
post Jan 3 2023, 12:08 PM

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QUOTE(Giant @ Jan 3 2023, 01:53 AM)
any latest FD promo today? is ambank 4.5% for 18m still available ?
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Just back from branch this morning, staff say the 4.5% for both eFD & FD OTC promo ended, waiting HQ instruction see whether will extend or not
apalexar
post Jan 3 2023, 01:36 PM

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QUOTE(Giant @ Jan 3 2023, 01:22 PM)
why your housing loan interest is so low ?
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3.9% is consider standard rate for housing loan at the moment
apalexar
post Jan 4 2023, 07:42 AM

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Edited

This post has been edited by apalexar: Jan 4 2023, 07:43 AM
apalexar
post Jan 6 2023, 03:06 PM

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QUOTE(chrislee9838 @ Jan 6 2023, 02:54 PM)
Product Name : FD2 t0 12

10K to CASA ( can withdraw next day)

balance to FD

Product just release today. if counter have no idea of this product , Please ask them refer to MEMO or RM/BM

user posted image
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Any idea this promo ended?
apalexar
post Jan 6 2023, 04:27 PM

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QUOTE(oldkiasu @ Jan 6 2023, 03:25 PM)
Start 6 end 31 Jan 2023. OTC with condition 10k in CASA during day of placement of pure FD minimum 10k. Payment of interest at maturity.

Not so sure whether different branch location memo are different rates or not. It had been mentioned before that Ambank was special  as it used to have has some sort of system about differing rates at different type of branches and different regional approvals. My Ambank branch says only 4.00 % when asked whether not 4.10%.
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Plan to become their PB and hopefully the FD 12 months can provide monthly interest.
apalexar
post Jan 14 2023, 12:39 PM

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QUOTE(Cookie101 @ Jan 13 2023, 08:31 PM)
I think majority are no longer applicable.

Maybe better off start a new one on monthly basis?

Currently still applicable are like pbb/ uob etc

Uob 12m 4.05/6m 3.5 - Saturday banking for extra 0.05%

SCB pure FD 12m 3.9 min 300k / 6m 4.18 max 200k

Collected some angpao as well today 😛

» Click to show Spoiler - click again to hide... «

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QUOTE(Save N Earn @ Jan 14 2023, 11:15 AM)
Hi, do you know what is the SCB FD rate for 3m for existing customer? The 6m 4.18% is it only for new customer?
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What I received from RM is SCB offering FD promo 6m 3.6 & 12m 3.9, min 250k
apalexar
post Jan 15 2023, 01:38 PM

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QUOTE(magika @ Jan 15 2023, 12:36 PM)
Excellent customer service of the banks that i have visited for fd placement :

1. Ambank
2. Ocbc
3. Hong Leong
4.
100. Maybank
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Which branch you visited for banks above?

This post has been edited by apalexar: Jan 15 2023, 01:38 PM
apalexar
post Jan 15 2023, 09:33 PM

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QUOTE(gooroojee @ Jan 15 2023, 07:37 PM)
Anyone not PB managed to get this FD rate?

I'm seeing the same promo quoted recently in three other FB groups discussing FDs
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I believe only PB or those FD with 200k can get the promo, just called branch last week regarding this.

This post has been edited by apalexar: Jan 15 2023, 09:34 PM
apalexar
post Jan 16 2023, 07:19 AM

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QUOTE(sweetpea123 @ Jan 16 2023, 02:54 AM)
Ambank 18m @ 4.5% (monthly interest) is still available but would need HQ approval. Managed to place last week.
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Which branch you visited for this?
apalexar
post Jan 16 2023, 02:13 PM

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Ambank just made 2months 4% eFD available, min 10k, 16-31 Jan.
apalexar
post Jan 16 2023, 11:22 PM

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QUOTE(sweetpea123 @ Jan 16 2023, 10:53 PM)
Sri Petaling
I am not sure. I just asked her if the 4.5% still available, then she said will request HQ approval.
Really can get monthly interest if amount is big?

This is interesting. Never knew can nego for monthly interest at all. Has it been done at other banks before?

Would love to place at B.Rakyat too but branch is far and no accounts there at all. Dont wanna be 'interrogated' when opening accounts also.
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Ambank RM just contact me today and inform that their current FD promo for priority customer is 4% for 2/6 months, 4.3% for 12 months and interest can credit to account monthly.

This post has been edited by apalexar: Jan 17 2023, 10:04 AM
apalexar
post Jan 17 2023, 02:20 AM

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QUOTE(Save N Earn @ Jan 17 2023, 12:42 AM)
RM from Ambank or B.Rakyat?
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Ambank

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