is the 4% savings rate flat for all account balance? if so, it is better than FD already!

there must be some conditions attached.

3. Membership Eligibility
a) Customer must satisfy the following criteria to be eligible to enrol for the Membership:
(i) Customer must be 21 to 55 years of age; and
(ii) Customer must be a professional or employed in an executive or managerial position
or a self-employed businessman; and
(iii) Customer’s gross annual income or total wealth management asset are within the
following range:-
(a) Customer’s single gross annual income is RM60,000 and above; or
(b) Customer’s total asset under management is RM50,000 and above;
and such other criteria as the Bank may from time to time impose.
b) For joint Membership, either one of the customers must satisfy the above criteria. Joint
Membership is limited to three (3) eligible customers.