i found a website indicating january 2017 fd promotion info, quite nice

tomorrow bnm got opr meeting right? haiz, better today settle it

this: https://genxgenygenz.com/fixed-deposit/

updated till 12/1/2017

so the latest br promotion not shown

but at least got basic info where to go if want short term for 3 months or odd months like 8 mths, 9 mths

sure monthly interest credited?

better take either:

3 mth @ cimb @ 4%

8 mth @ hongleong efd @ 4%

9 mth @ ambank @ 4%

if ok with step up/prorata, also secure maybank 12mth effective rate 4%

if ok with less secure with no pidm protection, bank rakyat one would be highest rate among others in next week

if aged 40 & above, alliance bank @ 4.05% 12mth, juz slightly lower than bank rakyat but got pidm protection

This post has been edited by coolstore: Jan 19 2017, 10:59 AM

br 4.08% today started?

for monthly interest, must ask, right?

alliance bank : 4.05%, min. 50k per cert

i asked one br branch, the personnel said for promotion fd no monthly interest option, payable upon maturity only..

i asked the branch opposit tesco selayang selangor.

but he said if put 50k or higher, can ask HQ for higher rate than 4.08%, maybe 4.1x%

and get premium gift like luggage bag with trolley one

juz no monthly interest option

but open acccount also need rm200,

maybe juz separate into smaller amount multiple pieces, than no need monthly interest also can

regarding the monthly interest matter, is that if one withdraw before maturity date, the bank would deduct all the paid monthly interest from your principal amount while withdrawing?

i tried that before with hongleong, the credited monthly interest into saving account deducted from principal, so the net amount still the ori deposit amount, bank won't make loss on this matter.

seems it juz more convenience for ppl to use the interest before maturity only

if can't maintain better don lock on so long.

mbsb 4.10%

br selayang worst, no angpow, no hamper, just gift set of:

a) personal notebook
b) parker pen with bank rakyat logo
c) pendrive 8gb with bank rakyat selayang logo
d) towel
e) 2017 desktop calendar

good thing is ample parking free

and the front desk one misguide me even can ask gift like luggage bag with trolley

after moeny go in, no higher interest than 4.08%, no such premium gift

This post has been edited by coolstore: Jan 26 2017, 10:07 AM

yes, br selayang worst.

won't continue with them in future.

new.

even the fd cert i had to collect it 2 days later, means tomorrow, back date to 25/1/2017

60

maybe over 50 can get this?

or over 100 can get hamper? but i didn't see any hamper at this branch, better try at other hot spot if any one interested to put so much

br selayang is quite lonely, juz good part is it opposite tesco extra selayang, free parking

no like kl 1.50 per hour, then no space, then dbkl come saman twice per day

the terms require depositor aged 40 or above

but maybe some branch don't really follow this condition, as long as got 50k per cert - $$$$$

now which bank offer best 1 month & 3 month rate?

yes, highest among pidm protected banks.

wanted higher would be 4.08% bank rakyat, no pidm.