Fixed Deposit Rates In Malaysia V. No.15, Strictly for FD Discussion Only
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 Jan 10 2017, 06:37 PM
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#1
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Senior Member
546 posts Joined: Apr 2010 
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CIMB RM kept promoting this CIMB - Principal Total Return Bond Fund which pays interest yearly. Keep for 3 years and they waived the 3% sales charge at the end of tenure. Targeting 4 - 4.5% pa. Any catch ? Was thinking of investing, lazy to chase interest rate also now...
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Jan 26 2017, 06:03 PM
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#2
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Senior Member
546 posts Joined: Apr 2010
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[quote=Deal Hunter,Jan 26 2017, 05:34 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??  [/quote Few promos now. 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] Adding on : 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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Jan 27 2017, 09:56 AM
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#3
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Senior Member
546 posts Joined: Apr 2010
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QUOTE(okuribito @ Jan 27 2017, 10:48 AM) What a shocker. are they going to pay you interest till Tuesday then?Anyone else went for BSN 4.5%12Mths offer about a year ago? I did and matured today. That's what it says on the cert. Tarikh matang 27jan 2017. But they told me cannot take out till 24 hrs after Tarikh matang ie tomorrow or practically next Tuesday. They said this is Islamic fd rule. I said wtf. I did islamic fd with other banks including BR and never encounter such thing. Naturally I tiau the idiots and ask for bnm Complaint form. Also got evidence of what they told me. Got such thing? Tarikh matang cannot take out money unless penalty? Wtf!!! |
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Mar 22 2017, 09:29 PM
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#4
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Senior Member
546 posts Joined: Apr 2010
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QUOTE(msa9696 @ Mar 22 2017, 06:18 PM) CIMB Wisma Genting, rate 4.2% for 1 year. that's a good rate. Thanks for sharing They didn't specify the minimum amount, seems like they are quite flexible. I was told min is 4.15% and max is 4.2%. As shared by many they need to obtain HQ approval. This rate ends this Friday. Please ask branch directly for best rate  |
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Mar 31 2017, 01:50 PM
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#5
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Senior Member
546 posts Joined: Apr 2010
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QUOTE(Pain4UrsinZ @ Mar 30 2017, 11:07 PM) any offer for 1 year with monthly interest credit into principal ? QUOTE(StarPrimo @ Mar 30 2017, 11:18 PM) Looking this promo too... CIMB . Opt for their Islamic FD, monthly interest NOT into the principal though, into Savings account Any banks offering this? .......1 year with monthly interest credit into principal.... Thanks in advance. |
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Jun 7 2017, 06:07 PM
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#6
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Senior Member
546 posts Joined: Apr 2010
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QUOTE(Garroth @ Jun 7 2017, 06:00 PM) Guys, what would be the best practice if I want to withdraw a sum of money, for example 30K from Maybank, then I go to CIMB bank to put multiple FDs of different tenures? You can issue 1 cheque and split, no problem. Been doing that all these whileLet's say I take 30K to CIMB, I want to put 20K @ 4.10% promo, the other 10K @ normal conventional FD rate of maybe 3%. In this case, would it be better to take just 1 banker cheque and bring to CIMB? Would they be able to split a 30K banker's cheque into a two FD accounts of 10K and 20K respectively? Or do I ask Maybank to issue me two banker's cheque of 10K and 20K? Seems like waste money  |
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Jul 7 2017, 09:14 AM
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#7
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Senior Member
546 posts Joined: Apr 2010
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QUOTE(gsc @ Jul 7 2017, 03:05 AM) It is a step-up FD. just called up, no lock-in period for the RM1000. A bit surprised cos normally HLB likes to lock for 4 months It seems the least cost is apply credit card (new to HL) or top up rm1000. Wonder any tie in period for the RM1000  This post has been edited by michaelho: Jul 7 2017, 09:15 AM |
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Aug 1 2017, 02:56 PM
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#8
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Senior Member
546 posts Joined: Apr 2010
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QUOTE(FDInvestor @ Aug 1 2017, 02:07 PM) Thanks for the sharing. AFAIK, havent come across any FD that credits interest into your account DAILY Why it is called as PayDay ? Just read the T&C, the interest will be credited to saving / current account in a monthly basis instead of daily basis. |
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Aug 7 2017, 03:53 PM
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#9
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Senior Member
546 posts Joined: Apr 2010
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unsure if anyone has reported yet. Got a call from Affin Bank offering 4.58% @ 24mths, min 20K, interest upon maturity. The best I have seen this year, only bummer is interest upon maturity.
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Sep 21 2017, 02:55 AM
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#10
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Senior Member
546 posts Joined: Apr 2010
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HLB MID VALLEY
=========== 6m - 3.90% (int upon maturity), pure FD 10m - 4.1% (int upon maturity), 10% in CASA locked for 2 mths 18m - 4.1% (int every 6 mths), pure FD may differ according to branch. This post has been edited by michaelho: Sep 21 2017, 02:38 PM |
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Nov 3 2017, 10:33 PM
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#11
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Senior Member
546 posts Joined: Apr 2010
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[quote=zhengyizhisheng,Nov 2 2017, 08:24 PM]
Did anyone cracked this, 4.88% per annum, means 6 months is only 2.44%?? Correct me if i'm wrong. [/quote] What were u expecting ? 4.88% per month ? [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 Remember ... if they try this stunt in JB & Penang, warn everybody it's a trap   » Click to show Spoiler - click again to hide... « [quote=lowya,Nov 3 2017, 01:47 PM] btw i think that qualifies as mis-advertising. Perhaps that's why they can afford to give lucky thermos and printers. [/quote] sarcasm posting [quote=babienn,Nov 3 2017, 09:09 PM] 2.4X% per 6 months? 4.8X% per year? That's a steal bro. [/quote] [quote=ikanbilis,Nov 3 2017, 09:58 PM] 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 [/quote] They were just being sarcastic la |
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Nov 6 2017, 12:30 PM
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#12
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Senior Member
546 posts Joined: Apr 2010
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so the insider tip is extended 4.2% pa. Anyway, thanks for info, will go place some today
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Nov 20 2017, 10:15 PM
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#13
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Senior Member
546 posts Joined: Apr 2010
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latest update :
AMBANK ======= 3 m - 4.1% 6 m - 4.2% 12m - 4.25% 60m - 4.4% till 29 Nov (according to RM la) This post has been edited by michaelho: Nov 20 2017, 10:18 PM |
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Feb 26 2018, 12:03 PM
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#14
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Senior Member
546 posts Joined: Apr 2010
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best I managed to squeeze from Ambank is 4.37% @12mths
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Feb 26 2018, 12:18 PM
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#15
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Senior Member
546 posts Joined: Apr 2010
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call the Branch Manager direct, and it is for renewal, no need fresh fund
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Feb 26 2018, 02:52 PM
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#16
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Senior Member
546 posts Joined: Apr 2010
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QUOTE(StarPrimo @ Feb 26 2018, 01:52 PM) Wow! The figure 4.5% has arrived ! YEAH !!! But sadly no such banks in my area FD rates are improving rapidly. This is fantastic for depositors !  |
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Feb 26 2018, 06:44 PM
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#17
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Senior Member
546 posts Joined: Apr 2010
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QUOTE(poor man @ Feb 26 2018, 06:32 PM) The “Alliance Term Deposits-i” Campaign (“the Campaign”) by Alliance Islamic Bank Berhad (“AIS”) will run from nice, might ditch Ambank to go for Alliance 3mths. 4.15% indeed attractive. Thanks for sharing24 February 2018 to 31 March 2018 wed https://www.alliancebank.com.my/promotions/...i-campaign.aspx t&c https://www.alliancebank.com.my/Alliance/me...campaign-tc.pdf RM 10,000 –RM 99,999 - 3mth 4.00% p.a. / 7mth 4.20% p.a. / 12mth 4.30% p.a ≥ RM 100,000 - 3mth 4.15% p.a. / 7mth 4.25%p.a / 12mth 4.38% p.a. This post has been edited by michaelho: Feb 26 2018, 06:45 PM |
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Feb 26 2018, 07:11 PM
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#18
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Senior Member
546 posts Joined: Apr 2010
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QUOTE(skty @ Feb 26 2018, 07:00 PM) Hong Leong 3 months 4.18% better. online one right? A bit mafan , each time only 30k |
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Feb 27 2018, 04:26 PM
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#19
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Senior Member
546 posts Joined: Apr 2010
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final squeeze, managed 4.38% @ 12m @ Ambank. Monthly interest if you are over 49.
This post has been edited by michaelho: Feb 27 2018, 06:58 PM Attached thumbnail(s) 
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Mar 22 2018, 05:18 PM
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#20
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Senior Member
546 posts Joined: Apr 2010
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QUOTE(msa9696 @ Mar 22 2018, 01:11 PM) Can share which branch is it? I just went to Menara Ambank, the ABM and BM very arrogantly told me no such thing as 4.4% max is 4.38%. I even called them before I went and I was told 4.4% during the call. They denied it and insist it's impossible. Damn pissed off wasted so much time there then you ask the arrogant asses to eat this cert. Just tell them Klang Valley branch, if they challenge you furtherThis post has been edited by michaelho: Mar 22 2018, 05:19 PM Attached thumbnail(s) 
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