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

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sweetpea123
post Apr 26 2017, 06:37 PM

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QUOTE(bbgoat @ Apr 25 2017, 09:51 PM)
sweat.gif About 7.10pm log in MBB again, dough in. So did 2 placements in HL eFD.  rclxms.gif  rclxms.gif

Next week May month, hopefully can have even better promo. If not, will go for CIMB 4.2% but has to open CA.  biggrin.gif
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but this cimb 4.2% no monthly interest , right? Then open the CA for what ? I know it's their T&C to open CA , just don't understand why since no monthly interest pun.
sweetpea123
post Nov 6 2018, 08:16 PM

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I am sorry I am unable to find much info on the min and max amount we can place thru this e-fd with CIMB? Can someone please advise? I am looking at 1 cert of RMxxxxxx amount

sweetpea123
post Nov 6 2018, 08:26 PM

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QUOTE(jonoave @ Nov 6 2018, 08:23 PM)
4.5% min 10k, for 6 months.

It's supposed to be available only to certain customers who see the banner pop-up on their CIMB clicks. But some nice people in this tered shared the link so other like me can enjoy it too. smile.gif
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QUOTE(cybpsych @ Nov 6 2018, 08:24 PM)
min rm10k. it's stated in the placement window.

user posted image
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Thanks, what about MAXIMUM ???
sweetpea123
post Nov 6 2018, 11:39 PM

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QUOTE(cybpsych @ Nov 6 2018, 08:42 PM)
usually none.

try putting and see if errors popped up biggrin.gif
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Ok thanks, will try cos got few receipts maturing days apart wanna bundle them up.
sweetpea123
post Nov 7 2018, 12:55 PM

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QUOTE(cybpsych @ Nov 7 2018, 07:19 AM)
just place it whichever matured lor. no need wait.

interest is calculated on daily basis, place early, earn early. you can even see the acrrued interest in cimb clicks as time goes by.

since it's eFD, easy to manage too.

also, who knows if cimb decided to end the promo early in between those days while you waiting for all to mature.
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Yeah, might just do that. Thanks for your advice smile.gif
sweetpea123
post Nov 15 2018, 01:08 AM

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finally got my CIMB e-fd 4.5% @6 mths done. Thanks for those who shared the link. Apparently, there is no max limit as mentioned by the call centre. rclxms.gif

This post has been edited by sweetpea123: Nov 15 2018, 01:09 AM
sweetpea123
post Nov 28 2018, 03:11 PM

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QUOTE(luminaryxi @ Nov 27 2018, 03:02 PM)
came back from cimb bank.

4.77% min. rm200k  (preferred customer)

user posted image
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sorry cannot open the link, which branch pls? And pure FD?

sweetpea123
post Nov 28 2018, 04:01 PM

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QUOTE(luminaryxi @ Nov 28 2018, 03:17 PM)
its at temerloh branch. 80% fd 20% current acc
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Thanks smile.gif
sweetpea123
post Apr 2 2019, 11:18 AM

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QUOTE(cybpsych @ Apr 1 2019, 09:35 PM)
AMBANK: Revision of Maturity Date for Fixed Deposits, Term Deposits and Foreign Currency Fixed Deposits

Dear Valued Customers,

Please be advised that with effect from Friday, 12 April 2019, the maturity date for all existing Fixed Deposits, Term Deposits and Foreign Currency Fixed Deposits that mature on a weekend (i.e. Friday and Saturday for Kelantan, Terengganu, Kedah and Johor, Saturday and Sunday for other states) or Public Holidays and State Holidays will be shifted to the next business day, following Federal Territory of Kuala Lumpur’s holiday calendar.

Example 1: if the Fixed Deposit/Term Deposit/Foreign Currency Fixed Deposit matures on
1 May 2019 (Public Holiday), the maturity date will then be shifted to 2 May 2019, with the interest/profit to be paid up to 2 May 2019.

Example 2: if the Fixed Deposit/Term Deposit/Foreign Currency Fixed Deposit matures on
10 May 2019 (Friday which is a weekend for the states of Kelantan, Terengganu, Kedah and Johor), the maturity date will then be shifted to 13 May 2019, with the interest/profit to be paid up to 13 May 2019.

If you require further clarifications, please call our Contact Centre at +603 2178 8888.

Eligible for protection by PIDM
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wondering if we can request for existing FD too, I do have 2 certs which are maturing on a Sat
sweetpea123
post Apr 6 2019, 01:55 AM

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QUOTE(cybpsych @ Apr 5 2019, 11:31 PM)
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alamak, rugi, x sempat, FD due 29th April bangwall.gif
sweetpea123
post May 8 2019, 12:00 PM

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looks like AFFIN 13mths @4.4% and HLB e-FD 4.2% @6mths are the only choices for me now.... better lock in longer tenure though.
sweetpea123
post May 13 2019, 09:48 PM

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QUOTE(Wong Kit yew @ May 13 2019, 03:13 PM)
I went to Maybank just now. The counter said it's for all customers and not shown on its website. It's available now if you're interested.
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what promo, bro? Can't open the pic you shared . Pls advise. FD due tomorrow smile.gif

sweetpea123
post May 13 2019, 10:43 PM

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QUOTE(Wong Kit yew @ May 13 2019, 10:34 PM)
user posted image
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Thanks smile.gif, was thinking about Bank Islam but have to open account. But their rates are really attractive
sweetpea123
post May 13 2019, 11:41 PM

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QUOTE(BoomChaCha @ May 13 2019, 11:12 PM)
No, cannot.
You have to bring your IC and driver's license to go to their branch to place FD.
And prepare they will ask you a lot of questions regarding to your source of fund for your first time placement.
Second time and onward when you place more FD with them, they will not ask anymore...
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maybe put 10 k first to open acc... then next day bring the bigger one. Anyway,

1) is the cert taken on the spot and on the day of placement ?
2) have to open Savings account regardless of 6 months or 24 months ?
3) any charges opening SA ? ( Affin charges RM10)
4) snail service ?

Also planning to go Sri Petaling branch .... is there anyone I should look for /avoid ? smile.gif

Thanks in advance

This post has been edited by sweetpea123: May 13 2019, 11:54 PM
sweetpea123
post May 14 2019, 12:40 AM

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QUOTE(BoomChaCha @ May 14 2019, 12:22 AM)
(1) For my case, I can only get my FD cert after 2 or 3 working days. But they will give a yellow receipt after submit check to BI.
     But some members here mentioned that they can get FD cert on the spot.

(2) Yes, you have to open a saving account (RM 20 to open), so that interest can deposit to your saving account every 3 months.
      And you can open a internet banking, but this will require you to get an ATM card which cost you RM 8 per year.
      Keep in mind if you want to use internet banking, your saving account has to be a single name, cannot put under joint name.

(3) No..no charge to open a BI saving account. RM 20 is just an initial deposit to open a saving account.
     You say you just want to open a basic saving account ...

(4) What is snail service?  confused.gif

(5) One customer rep will help you to open a FD account. All staffs there are okay...

(6) Very important, do not forget to insist and remind BI to get your FD effective on the same day.

You are welcome.. thumbsup.gif
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notworthy.gif notworthy.gif Thanks boss for taking the time to reply me. Snail service is slow or not ??? They dont have priority banking right ? Anyway, my sum is quite sizeable (legal though) , I am not working , sure mesti kena grill kaw kaw... I hate intrusive questions... like I am asking for loan when I am actually putting money there

This post has been edited by sweetpea123: May 14 2019, 12:44 AM
sweetpea123
post May 14 2019, 12:41 AM

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... double post

This post has been edited by sweetpea123: May 14 2019, 12:42 AM
sweetpea123
post May 14 2019, 06:22 PM

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QUOTE(BoomChaCha @ May 14 2019, 01:02 AM)
Yes, very slow.
Especially for the first time to place FD, because they will "interview" you, asking too many personal and privacy questions just like treating
a criminal, quite scary. You'd better prepare how to explain your source of fund, and your background.

Please get ready to stay at least one hour there for the first time.

Priority banking? I am not sure if they have this or not?

No need to worry lah...they will not check you, but just ask you some personal questions only...

By the way, can you ask Bank Islam tomorrow, 4.4% FD promo for 6 months is available until when?
Thank you
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The staff didnt know , saying as and when HQ wanna withdraw, they will. The brochure (attached below) mentioned 30 June though. But judging from the low rates other banks are offering, the quota should be snapped up b4 promo ends. Hope that answer your question. By the way, decided to put in Affin Bank 4.15 @15months and just try RM10k for starters at BI, but only 1 person opening accounts and there were few more waiting, I will try another day.

And cannot get FD cert on the same day, takut cheque bounced woh



QUOTE(joeblow @ May 14 2019, 02:32 PM)
Today went Affin Bank, 13 months @4.15%

Got latest promotion but not declared (to be given by branch manager) 24 months @4.35% Islamic. Conventional is 4.45% but need 5% of principal to CASA.

OTC.
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The BM didnt tell me, which branch you went ?

This post has been edited by sweetpea123: May 14 2019, 08:25 PM


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sweetpea123
post May 14 2019, 08:13 PM

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QUOTE(joeblow @ May 14 2019, 07:19 PM)
4.15% can be for 13 months. no need 15 months. I went Permas Jaya JB branch.
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Yeah, I know ... but 13 months from today is a Sun. I will lose 1 day interest , plus interest rate going down, so better lock in longer
sweetpea123
post May 14 2019, 08:26 PM

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QUOTE(mamamia @ May 14 2019, 06:31 PM)
The brochure is from which bank? 6 months 4.4%?
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Edited - dunno why it was truncated .. biggrin.gif

sweetpea123
post Sep 20 2019, 09:07 PM

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QUOTE(cocolala @ Sep 19 2019, 12:03 PM)
Huh this morning The Curve branch told me not available anymore sad.gif
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managed to place 4.15% @15months today at Sri Petaling too

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