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

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ikanbilis
post May 19 2017, 09:10 PM

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QUOTE(gsc @ May 19 2017, 04:00 PM)
It is 4.5%  for 12 monrhs. For personal cheque need to wait for cheque clearance.
Just made a placement today

Cimb 4.2%, difference of 0.3%. For 100k min placement, the difference is rm300 which is quite significant
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Can show how the FD cert look like? rclxms.gif

This post has been edited by ikanbilis: May 19 2017, 09:10 PM
ikanbilis
post May 28 2017, 12:48 PM

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QUOTE(chicaman @ May 28 2017, 12:43 PM)
For Citibank 9.99% FD 3 Months, whats the catch & risk? 400k minimum?
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Anything greater than 5% must be bundle with UT, insurance or something else

ikanbilis
post May 29 2017, 04:59 PM

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Just received this msg from my RM. What is the opinion of sifu here?

As spoken, XXX bank KLIBOR offer
to our customers now.

Year 1: 5.00%pa
Year 2-6: 4.55 X (4.55 - 3M KLIBOR)


# PIDM insured
# Principal Protected if held until maturity
# Zero charges

*T&c apply

Do not hesitate to contact me if you have any query
Thanks

Privilege Banking

ikanbilis
post May 30 2017, 07:22 PM

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QUOTE(drbone @ May 30 2017, 06:46 PM)
So tempted to terminate my FDs in RHB which is giving measly 4% and transfer the funds to muamalat for the 4.5%. And the rhb one is gonna mature in September, so might not be worth it.  Sigh.
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Same here. My 4% with alliance bank only mature in October.
ikanbilis
post Jun 15 2017, 09:40 AM

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QUOTE(joy4all @ Jun 14 2017, 11:48 PM)
is that protected by PRDM ? 4.5 p.a. sounds good deal right ? Any hidden T@C ? Wonder why not much ppl seems looks interesting on that...
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still waiting for my FD to mature next month to add up to 100k sad.gif

ikanbilis
post Jun 28 2017, 10:20 AM

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QUOTE(bbgoat @ Jun 28 2017, 10:06 AM)
Even my plan for next week in Muamalat may change as well. Opened SA thinking can use it but 2 days later, they pulled the brake. Can ask for approval but not sure next week still can do or not.  tongue.gif
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Bank Muamalat new 4.3% still need RM100k deposit or they accept lesser amount?
ikanbilis
post Jun 29 2017, 10:49 AM

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QUOTE(annoymous1234 @ Jun 29 2017, 10:24 AM)
want to go for 24 months - 4.25%p.a. in affin. but then felt like 24 months is too long, maybe some other banks will come out 4.25% but 12 months only
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Bank Muamalat 12 month 4.3% you dont like? blink.gif

ikanbilis
post Aug 8 2017, 01:43 PM

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QUOTE(sendohz @ Aug 8 2017, 01:32 PM)
bbgoat must be the group admin!
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I second the motion! devil.gif

ikanbilis
post Aug 23 2017, 11:35 AM

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Wow! 3 days no new posts! FD has lost its charm?

With the low interest rate nowadays, I'm also gradually moving away from FD....after my coming FD mature I'm moving my fund elsewhere.
ikanbilis
post Sep 2 2017, 09:37 PM

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QUOTE(mushigen @ Sep 2 2017, 09:22 PM)
Thinking of uplifting them to put in Amanah Saham.
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Good choice! rclxms.gif
ikanbilis
post Sep 21 2017, 10:44 AM

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There is no good FD promo after Bank Muamalat ended the 4.5% promo...sad
ikanbilis
post Oct 2 2017, 07:27 PM

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QUOTE(bbgoat @ Oct 2 2017, 04:41 PM)
Update:

MBSB able to give 12 mth 4.25% nego rate for >500k FD.

AmBank FD promo til end of this week.

FD promo:

OCBC, min 10k
Conventional 12 mth 4%,
Islamic 12 mth 4.1%
15 mth: Conventional 3.9%, Islamic 4.0%
Mi FD same promo but with monthly interest

MBSB:
8 mth 4.08%
60 mth 4.3%
12 mth 4.25% for 500k

AmBank:
Till end of the week:
12 mth 4.2%
6 mth 4%

Muamalat: No promo for now
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Thanks for info. No real good FD promo for now cry.gif

ikanbilis
post Oct 12 2017, 12:14 AM

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QUOTE(gsc @ Oct 12 2017, 12:02 AM)
Am bank promo. Not extra interest but the interest is given on every month instead of on maturity. It may help the senior citizen on the monthly expenses.

Other banks, HL, UOB, CIMB have monthly interest promo as well and it applies to all depositors.

If the FD amount is big, 500k with 4.2% yearly interest, estimated monthly interst is 1750 which can be placed in bank for earning interest.
Assuming saving account interest is 3% ( earlier in Am bank True Saver, Ocbc Easi save?), the actual 4.2% interest is equivalent to 4.3%.

At least with monthly interest, the net interest gain is roughly 0.05%
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What age to qualify as senior ccitizen at ambank?
ikanbilis
post Oct 12 2017, 10:40 AM

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QUOTE(starry @ Oct 12 2017, 10:04 AM)
50 and above
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Still not qualify.... sad.gif
ikanbilis
post Oct 12 2017, 11:32 AM

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QUOTE(dEviLs @ Oct 11 2017, 12:07 PM)
Guys, for UOB can I uplift FD from another branch ?
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Last time i tried cannot

ikanbilis
post Oct 18 2017, 07:33 AM

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QUOTE(realitec @ Oct 17 2017, 09:53 PM)
Planning to place RM20k on Super FD in Public bank with interest of 7.28% p.a.. Do they provide only paper? Or i could check it in my account online. Sorry, it's my first time placing FD. Thank you.
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How much interest you expect to get at the end of the tenure?
ikanbilis
post Oct 30 2017, 04:49 PM

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QUOTE(mr. No body @ Oct 29 2017, 11:43 PM)
just wonder why no one mentioned about 4.28% for 12mth given by MBB and hsbc
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MBB 4.28% got link?
ikanbilis
post Nov 3 2017, 07:17 PM

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QUOTE(#Victor @ Nov 3 2017, 07:12 PM)
Owh... I tot as usual banking hour open until 4pm some more on Friday, didn't know that it open until 7pm else will make a trip there wink.gif
It's too late for everything now cry.gif
CODE
The Hong Leong Bank Berhad (97141-X) (“HLB”)’s “Damansara City New Branch Opening Campaign” (“Promotion”) is only applicable at HLB Damansara City Branch (“Participating Branch”) and commences on 3rd November 2017, 09:15:00 hours (9.15 a.m.) to 16:00:00 hours (4:00 p.m.) (“Promotion Date”).

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Best rate of the year, though it's only for 6 months. Hopefully they will do the same for other cities like JB and Penang as well
ikanbilis
post Nov 3 2017, 09:58 PM

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QUOTE(okuribito @ Nov 3 2017, 08:27 PM)
You think so? Best rate? But based on these 2 posts in the spoiler, it's a trap to catch suckers wor. Tak sampai 2.44% pun & mis-advertising. Now I feel like a stupid water fish. I wonder how many forummers here were saved from the trap by these 2 posts  rclxms.gif  rclxms.gif  rclxms.gif  rclxms.gif

Remember ... if they try this stunt in JB & Penang, warn everybody it's a trap  doh.gif  rclxs0.gif
» Click to show Spoiler - click again to hide... «

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Are you sure you know how to compute FD interest rate?

OKOK, so somebody calculated as 2.4199% for 6 months. I just take 2.4% for 6 months is enough. That's 4.8% pa which is 0.6% more than the current Ambank promo 4.2%pa

This post has been edited by ikanbilis: Nov 3 2017, 09:58 PM
ikanbilis
post Nov 8 2017, 12:30 PM

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QUOTE(#Victor @ Nov 8 2017, 11:14 AM)
Anyone have further info for this 4 months promo by UOB?
CODE
RM0.00 UOB: Get a 24K Gold Plated Dog figurine for a prosperous year with min earmark of RM60k new funds for 4 months. From 1/11/17-28/2/18. T&C apply.

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I don't think it's worthwhile judging from the price of the dogs tongue.gif

http://www1.uob.com.my/personal/promotions...ft-of-gold.page

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