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And click here to my article where I'll tell you why the Philips Air Fryer is great for kids and Chef Uncle GenX giving you a step by step recipe on how to prepare a wholesome meal in 15 minutes, hehehe 

And to see Groupon Daily Featured Deals , please come here and visit this link ==> http://www.groupon.my/

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FIXED DEPOSIT

Latest and The Best Fixed Deposit / Time Deposit Interest Rates Promotion Offered by Malaysia Major Commercial and Foreign Banks February, March and April 2015.
Presented by GenX GenY GenZ


Previously google deleted my other main blog "www.genxgenygenz.blogspot" (click here to read about it) and to my surprise it is back online BUT IT DOES NOT BELONGS TO ME!!! So there is nothing preventing google deleting this blog www.generationsxyz.blogspot.com too. So my advise to you is to also go bookmark my facebook account www.facebook.com/GenXGenYGenZ (and Like it too so you'll be notified of new postings) for latest updates by yours truly.


16 January 2015 - I posted at my facebook page that "I went to a Maybank branch which I placed a FD with, gave the FD Cert to the teller and told her I wanted a Banker's Cheque for the FD that is maturing today. So the girl checked the system and found that the account had no money in it!!!" Click here to read more about it at www.facebook.com/GenXGenYGenZ You don't need to "friend" me to see my facebook posts :)


Last Update: 15 February 2015 -  SCB, AmBank, CIMB, RHB, Maybank, HLB CNY Open House.

Since FD rates do fluctuate and banks having promotions frequently nowadays, I thought no point of starting a new blog just for FD since past history rates are immaterial to most of us. Therefore, I will update the latest and current Fixed or Time Deposit rates offered by Malaysia banks and the best fixed deposit interest rate promotion in Malaysia here in this PAGE called FIXED DEPOSIT. I recommend you bookmark this PAGE and visit this blog constantly for the most comprehensive latest and current fixed / time deposit promotions in Malaysia.


NEW Article October 2014 - Click here to read my latest article titled GET MORE FREE MONEY WITH THE RIGHT FIXED DEPOSIT PROMOTIONS. This article was written with the intention to benefit those who are new to Fixed Deposit Promotions and for serious FD Fans to earn extra money from discrete FD Promotions.



Malaysia Major Commercial Banks and Foreign Banks Fixed Deposit / Time Deposit Rates as of October 2014.
Bank - FD rates for 1 month, 3 months, 6 months and 12 months. Click on the bank listed below to go to the bank's relevant site on rates. 

Affin Bank -  3.25%, 3.3%, 3.40% and 3.7% (Revised 18/7/14)

Alliance Bank - 3.15%, 3.2%, 3.25% and 3.3% (Revised 21/7/14). FD Gold 12 months 3.40% (Interest paid monthly).

AmBank - 3.15, 3.2%, 3.25% and 3.35% (Revised 18/7/14)

Citibank - 2.95%, 3.10%, 3.10% and 3.20%  (Revised 17/7/14)

CIMB Bank - 3.15%, 3.2%, 3.25% and 3.30% (Revised down 7/10/14) 

Hong Leong Bank - 3.05%, 3.1%, 3.2% and 3.30% (Revised 16/7/14)

HSBC Bank - 2.90%, 3.10%, 3.15% and 3.25% (Revised 16/7/14)

Maybank - 3.15%, 3.20%, 3.25% and 3.30% (Revised 16/7/14)

OCBC Bank - 2.90%, 3.00%, 3.05% and 3.25% (Revised July 14)

RHB Bank - 3.15%, 3.20%, 3.25% and 3.45% (Revised 18/7/14)

Public Bank - 3.15%, 3.20%, 3.30% and 3.35%. PB Golden 50 Plus 12 months 3.45% (Revised 16/7/14)

Standard Chartered Bank - 2.95%, 3.10%, 3.15% and 3.25% (Revised 23/7/14)

UOB Bank - 3.05%, 3.10%, 3.10% and 3.30% (Revised 18/7/14)

The highest over the counter FD rate for 12 months is by Affin Bank at 3.7%.


The Best Fixed / Time Deposit Promotions January and February 2015
GenX GenY GenZ: http://generationsxyz.blogspot.com

Please call the nearest bank to reconfirm the rates (go to the bank website to get the contact number of the branch nearest to you) before going to the bank to check if promotions are still valid.

AmBank - 8 Months FD Promo until 30 April 2015. Minimum Fresh Fund RM20K.

4.08% for 8 Months and AmSignature Priority Banking customers get additional 0.05%.



Alliance Bank - until 31 March 2015.
Minimum Fresh Fund RM10K

Conventional Over The Counter FD and eFD Promotions

6 Months - 3.75%
9 Months - 3.85%
12 Months - 3.90%

For people above 40 years old and minimum Fresh Fund RM30K 

12 Months FD Gold (Minimum Age 40 years young) - 4.0% (up to 31 Dec 2014)

For Alliance FD Gold, Interest is paid monthly.

Alliance is also offering the above promo for their eFD; however, please read their definition of Fresh Fund at their website where I have copied part of it and pasted in the below image:



And you guys know I am very generous in sharing info that makes you richer or how to get freebies. So, if you have yet to open an Alliance Bank Privilege Banking Account, I recommend you open one. Besides earning interest monthly from Alliance FD Gold, with Alliance Privilege Banking status, you are entitled to their Premier Debit Card which is a very very good card to own.

Benefits of Alliance Privilege Banking Premier Debit Card are:

You earn 2% cash back for whatever transactions capped at RM180/month. That's up to RM2,160 FREE Money a year!! Click here to read my article The Best Cash Back Cards Combination and start earning your self more cash back.

You can to enter KLIA 2 Plaza Premium Lounge for FREE Makan, Coffee and Beer too (subject to monthly quota). Click here to read my article FREE Entries to KLIA 2 Plaza Premium Lounge. There are 3 Plaza Premium Lounges in KLIA2, one located at Gatewat@KLIA2 which is outside the departure hall (i.e. before Immigration Counters), one at GATE L for Domestic Departure including to Singapore and one at the Satellite Terminal Mezzanine Floor before GATE P and Q for International Departures.




Hong Leong Bank until 31 March 2015 


HLB straight forward FD without stupid CASA conditions

4.08% - 12 months

HLB Promo until 31 January 2015. Minimum Fresh Fund - Minimum Fresh Fund RM50K

6 Months - 3.8% No Stupid CASA Requirement
12 Months - 4.15% No Stupid CASA Requirement

CIMB Bank until 31 March 2015. Minimum Fresh Fund RM10K.

CIMB Bank is offering 3 and 12 Months FD at 4% and 4.2% respectively until 31 March 2015.


HONG LEONG BANK JUNIOR FD - 4.28% for 24 Months valid until 31 March 2015.

Hong Leong Bank Junior FD is supposed to be for kids. But the fact is that it is good for adults who are parents and even grandparents.

Click here to read my article The Best Savings Account in Malaysia. In this article I mentioned that the Hong Leong Bank Junior FD is fantastic for seniors who have grandchildren. This is because HLB Junior FD offers better interest rates compared to their Senior FD Promo!!! And best of all, HLB Junior FD credit the interest monthly.

If you do not want to be confused your money with that of your children - simply open 2 HLB Junior FDs at separate Hong Leong Bank branches. Say at Branch A to deposit your children And Pows and Branch B for your own money.



MACH by Hong Leong Bank - MACH interest rate for 12 months Term Deposit is now revised up again to 4% effective until 28 February 2015.

HLB CNY Open House February 2015 Promo - 4% for 6 Months FD. Go to HLB website to see selected branches offering the promo rate. Go to Home, scroll down to Promotions and then click on Deposit. 

MAYBANK 12 Months Step Up FD. Minimum RM10K Fresh Fund. Valid until 18 February 2015.

Effective Interest Rate 4.13% p.a.




OCBC Bank - Minimum RM10K Fresh Fund. Many options to choose from. Promo ends 31 March 2015.

3 months - 3.8%
6 months  - 4%
13 months - 1st 12 months 4% and the 13th Month 6%

It seems that OCBC is still offering 12 months FD Promo at 4.2% this month (February). So ask about it.

UOB Bank FD Promos - until 28 February 2015.
Minimum Fresh fund RM10K

3 Months - 3.85% NO stupid CASA thingy.
12 Months - 4.10% NO  stupid CASA thingy. 

Please check with UOB on latest promo rate as they are known to revised without prior notice. 

UOB Christmas FD Special Promo extended once again until 31 January 2015. Minimum Fresh Fund RM50K. Always check with UOB on their latest FD Promo.

6 Months - 4%
12 Months - 4.2%


Public Bank 12 Months (6+6) Fixed Deposit Promo. Effective 24th December 2014 until 28 February 2015.

Usually, I am not bothered with Public Bank Step Up FD promos as the effective rate works out to be lower than Affin Bank's board rate once you take into consideration x amount required to be deposited into CASA. But since the last two months, they are offering straight forward Step Up FD promo without the stupid CASA thingy.


Effective 24th December 2014, Public Bank once again revised its 6 months + 6 months Step Up FD interest rates up and it now gives you an Effective Interest Rate of 4.18% for 12 months tenure. The last time it revised the interest rate up was in October 2014.

Now, if you read the fine prints, it states - "The Promotional interest/profit rate will be subjected to revision should there be any OPR changes". What does this mean?

Previously (prior to October 2014) the same Public Bank 6+6 months Step Up Promo offered 3.68% and 4.08% interest rates where the Effective Interest Rate works out to be 3.88% for 12 months tenure. And with this latest FD Promo, Public Bank customers who participated in the PBB Step Up 12 Months promo prior to 27 October 2014 will get to enjoy the new 4.28% interest rate for the second 6 months! Please refer image below. Unbelievable! But wait, what if BNM reduce OPR ? Will Public Bank penalize their customers? hahaha.


All I will say is that Public Bank actions in rewarding their customers who placed FD with them prior to 27 October the same higher interest rate for the second 6 months tenure is a great marketing strategy. Else the customer will terminate the FD with PBB after the first 6 months (interest will be paid for first 6 months and no penalty if one terminates it - go read the T&C for further clarifications) and switch their funds to another bank.


Public Bank Step Up 9 Months - Valid until 26 February 2015. Minimum Fresh Fund Individual RM20K. And is its open to companies too where minimum fresh fund RM50K!!!

The plus point of this promo is that you can withdraw your FD after the first 3 months or 6 monhts and you will till be eligible for the promo rates. Click on the image to read part of the Terms and Conditions. However, please also read the terms and conditions where it is stated that future interest rates (2nd 3 months and final 3 months) quoted are subjected to changes, i.e. not guaranteed.

3 Months Effective Interest Rate - 3.88%
6 Months Effective Interest Rate - 4.03%
9 Months Effective Interest Rate - 4.11%



STANDARD CHARTERED SAADIQ - 9 and 15 Months Term Deposit until end March April 2015. Minimum Fresh Fund RM5K. 

9 Months - 4.25%
12 Months - 4.5%

However, one of the terms and conditions is that you must be new to bank!?




RHB Bank 6 and 12 Months Fixed Deposit Promo until end April 2015 for Premier Banking Customers.

In late January 2015 while I was overseas, I received a sms from RHB - "Enjoy interest rates up to 4.2% p.a. on our 12 months FD today! For info, please contact your relationship manager. T&C apply."

I visited my RHB Relationship Manager on 5 Feb 2015 to collect Ang Pows and checked out the above mentioned FD Promo too. And there are two FD Promos, however I was informed that the Promos are for selected clients who received the sms only. And the minimum deposit is RM100K. Having said the above, my RM did show me the FD Promo Marketing Sheet and I noticed it was stated that NEW Premier Bankng Customers who deposit RM200K are also entitled to the promo rates.

6 Months 4.05%
12 Months 4.2%

Now, if you do sign up for RHB Premier Banking, I recommend that you also sign up for RHB Platinum credit card(s) with the Premier Banking Application Form. This is because, the RHB Platinum credit card(s) applied via Premier Banking are FREE For Life, annual fees waived without any conditions! And you do not need to maintain the minimum AUM of RM200K and you also won't be penalized - unlike HSBC and StanChart where they will impose a monthly penalty if your AUM falls below the requirements.

Also look into signing up for RHB Premier Banking Visa Debit Card. The benefit of this card is it allows up to RM8K (or maybe it is RM10K) withdrawal a day at ATMs and you get to jump Q at any RHB branch. The only set back is that it has a yearly fee of RM50 which is waived if you spend RM5K/annually with ir OR you sign up for 3 auto debit. Another plus point of the RHB Premier Debit Visa Card is that it entitles you to 4X FREE entries to any Plaza Premium Lounges nationwide (same for the RHB Platinum credit card). And once again, you do not need maintain minimum AUM 200K to enjoy the benefits of the RHB Premier Banking Debit Card.

Click here to my article My Bragging Rights and Credit Cards 2015 where I briefly listed the benefits of having Premier/Priority/Privilege Banking. Plus I will tell you the secret how I managed to sign for so many Premier/Priority/Privilege Banking status with my limited funds.


NON COMMERCIAL BANKS "SIMILAR TO FD" ACCOUNTS 

However, for those of you who are not into Fixed Deposit Promotions and or don't have the time keeping track of what is out there, check out Bank Rakyat's Deposit Account i "interest rates" which are very good and most time better than FD Promos!!! However, it has been reported that Bank Rakyat's dividend rate can be lower or higher than that stated in their website. So call their nearest branch to you for their latest dividend rate. And please note that your deposits with Bank Raykat are not eligible for PIDM.

To note, Bank Rakyat's website states that for deposits more than RM5K, you may be entitled to monthly dividend, so check with them on this. Also please note, many members at LYN reported that the monthly dividend was not be credited into their accounts automatically; but they had to call Bank Rakyat staff and remind them to credit the "profit" every month!!!



For more discounted offers, please visit the below direct link:
http://goods.groupon.my/

MAYBANK Q-CASH FUND - Added December 2014

For those of you who wants really short term deposit, i.e. less than 1 month. Go check out Maybank Q-Cash Money Market (similar to REPO).

Fund Minimum deposit RM50K

The Fund is suitable for Qualified Investors:
who have low risk tolerance;
who seek a regular income stream from their investments;
who wish to obtain a yield exceeding the Maybank Overnight Deposit Rate; and/or
who have very high liquidity requirement.

You can set the number of days you want your money in the Money Market Fund or just let it sit there until you want to withdraw. However, the cut off time for redemption request shall be at 10.30 a.m. on a Business Day.

My Maybank RM showed me an example where one of his customer deposited a huge amount some time in late November and withdrew the money in Mid December and effectively he earned 3.95% p.a.!!!

SUMMARY
GenX GenY GenZ: http://generationsxyz.blogspot.com


More and more banks are now offering FD Promos where interest rates are 4% or above and no stupid CASA requirement where you need to deposit x amount. But you may need to open a CASA account for the FD interest to be credited into. 

However, for the month of December, I noted more banks are offering higher FD Promo for less than 1 year tenure. Maybe this is because of the uncertainty we may face in 2015 in view that oil price has dropped tremendously in the last few months and this will have direct impact on many countries including Malaysia as we are dependent on oil.  

Banks offering 4.0% for 12 months FD for February 2015.

If you are willing to go for longer tenures, check out:

Hong Leong Bank 12 Months FD - 4.08%

Hong Leong Bank 24 Months Junior FD - 4.28%. Interest credited monthly. 

Maybank 12 Months Step Up - Effective 4.13% until 18 Feb 2015

RHB Premier Banking 12 Months 4.2%

Public Bank 12 Months Step Up - Effective 4.18%

OCBC 12 Months FD - 4.2% until end February 2015.

UOB 12 Months FD - 4.1%. Also ask if they are offering 4.2% for 12 months. 

Affin Bank 24 Months - 4.38%. However please confirm if interest is paid semi-annually for end of tenure.

For 3, 6 an 9 months FD, check out Public Bank Step Up 9 Months FD Promo. 

RHB Premier Banking 6 Months - 4.05%

SCB Islamic (new to bank customers) - 4.25% and 4.5% for 9 and 12 months respectively.

For those who don't have the time to chase after FD Promos, you can always go with Affin Bank rate 3.7% interest rate for 12 months. For those into online Banking, MACH by HLB 4% for 12 months is pretty good too.

For those of you new to fixed deposit, sometimes the banks will offer step up interest rates AND also may impose the stupid condition where we need to deposit x% into CASA. And the banks will mislead you by stating the effective interest rate for the FD step up portion only and ignoring the amount required to be deposited into CASA when they calculate the effective interest rate. Always go calculate the effective interest rate yourself (and if you do not know how to do it, better you don't go for FD Promos) and most probably you will find that these step up FD promotions are wasting our time as it works out to be lower than Affin Bank's board rates.

Below are the dates fixed for Bank Negara Malaysia Monetary Policy Committee Meetings for 2015: 

And I guess below info on Banker's Cheque Fee purely for FD Upliftment/Withdrawal (Do not combine with other accounts, i.e. Savings Account) may be beneficial to some of you. And please note we will be imposed extra RM0.50 for service fee effective 1st January 2015.

Affin - FREE
Alliance - FREE
AmBank - RM2.15
Bank Rakyat - FREE
CIMB - FREE, some people reported they were imposed RM5
Citibank - RM0.15
HLB - RM5.15 (PB Customers RM0.15)
HSBC - RM5 same day or RM2 next day (no RM0.15 Stamp Duty??)
Maybank - RM5 or RM5.15?
MBSB - FREE
OCBC - FREE
PBB - RM2.15
RHB - RM5.15
SCB - RM2.15
UOB - RM0.15 (Penang only?) or RM2.15 (in Klang Valley???)

And if you want to know the quickest way get Fresh Fund to be eligible for Fixed Deposit Promotion without even leaving the bank where you are withdrawing your matured FD; click here to my article titled A Little Bit Of This and A Little Bit of That - Vol1. Chapter IV. In this article I will show you how to be eligible for FD Promo with fresh fund if you have a Current Account with Over Draft Facility (to be on the safe side). And the transfer fee may cost less than what your bank impose for a Banker's Cheque. Updated for new GIRO timetable showing cut off time for same day transfer.

Click here to my article titled A Little Bit Of This and A Little Bit Of That - Vol.1, Chapter VII where I will tell you the pros and cons of Certificate Type FD (e.g. HLB and MBB) versus Statement Based FD (e.g. OCBC and UOB). And after reading this article, you may only want to go with Certificate Type FD and not Statement Based FD or vice-versa. Also, I will tell you why you need FD, actually lots of it, instead of having many properties which are not liquid in order to prolong your life. What you can do to get funds to pay your mountain high hospital bills that prolong the life of your liveless boy that lays in the Intensive Care Unit. And because I highlighted the cons of Statement Based FD, I may have unintentionally taught an evil child how to con his parent(s) hard earned money!


OTHER RELATED TOPICS TO EARN YOU MORE BENEFITS or maybe not:

And if you have Alliance Bank Privilege Banking or UOB Privilege Banking or Maybank Private Banking status, click here and read about their Visa Infinite credit cards which are among the best credit cards for overseas transactions.
Click here to read my article Spending Children Future Inheritance so that you are brainwashed to gather as much fond memories for your old age and you not needing to try and dig yourself out of the grave to stop your children happiness.
To read my article - The Best Savings Account in Malaysia for Children, Parents, Adult and Grandparents too - click here to Malaysia Best Savings Accounts.
Want to know more about Foreign Currency Time Deposit and Australia Banks Interest Rates for Terms and Savings Account - click here to read my article titled Australia Education, Term Deposit, Savings Account and Credit Card Interest Rates. Kids can get up to 10% p.a. interest rate for their Savings Account!!! [Updated with link for tax info].

Click here to read my article titled Wealth Health Prosperity. There is nothing more important that  ever lasting happy memories and good health.


Click here to read my article titled Privilege Premier Priority if you have interest in wanting a Priority or Premier or Privilege Banking account with Alliance Bank, Citibank, Hong Leong Bank, RHB Bank or UOB Bank. As for OCBC Premier Banking, there is not much benefits in terms of credit cards and no difference if you have Premier Status or not.

In my other blog called My Credit Cards, I have an article titled Earn Pocket Money with Credit Cards where I showed how one can earn some pocket money by utilizing banks' offers of 0% Balance Transfer or 0% Installment Plan with Fixed Deposit or Time Deposit, that is if you have the money in hand prior to your transactions.

Click here to see Year of The dragon Chinese New Year Red Packets. Ang Pow photos include those from RHB Premier Banking, OCBC Premier Banking, StanChart Priority Banking and Golden Dragons from Citibank, Hong Leong Bank Priority Banking and Maybank Private Banking.

13 comments:

  1. Thanks so much...Any Idea for FCA (Foreign currency Account) Fixed Deposit?

    ReplyDelete
  2. jason, sorry got no clues on FCA.

    ReplyDelete
  3. hi GenX, very useful information.

    ReplyDelete
  4. Thanks KL. Just as a reminder, please sign up as follower to comment. Noted you Like it :)

    ReplyDelete
  5. Hi Genx, thank you for your time for these useful information.Could u also provide which banks with the convenience of internet banking?

    ReplyDelete
    Replies
    1. Fung, most if not all commercial banks now offer internet banking. But if you asking about FD offers for internet banking, check out frequently AmBank, Maybank and MACH by HLB. Most FD promos you have to perform the transaction over the counter.

      Delete
  6. Hello Genx,

    I am Deaf blogger like to thank for your information which is very useful! I planned to put RM 10K in FD, and won't withdraw it until 2016/2017. Which is one best FD bank you suggest for me?

    I think want to put Affin Bank for 3.6% (12 months) only, no need to make new saving account.

    Please advise me :)
    Selina Wing,
    http://www.selinawing.com
    http://www.deafboleh.blogspot.com

    ReplyDelete
    Replies
    1. Hi Selina, firstly I am allowing you to advertise your website and blog even tho you did not sign up as my follower. I still reserve the rights to delete your comment.

      Yeah, for convenient sake, just go with Affin Bank if there is one nearby.

      Say if HLB is nearest to you, they are offering 3.5% for 12 months (Islamic FD). So with RM10K, that's a difference of RM10/year only.

      However, if you were to go with Bank Rakyat where they are offering 4.25% for 3 years, you'll be earning extra RM65/year or less than RM5.50 a month. So if Bank Rakyat is like really convenient, you can also go deposit there.

      Delete
  7. Dear GenX,

    I love all your articles especially credit card, saving account, fixed deposit account. It helps me, make my finance lil bit better.
    Thank you!

    A quick question, I have RM20k to park, should I put into FD or insurance-investment? Which one has higher outpay?

    Desperately digging extra bit money to get foods and a roof to survive.. and enjoy life : )

    Thanks in advance to sifu.

    ReplyDelete
    Replies
    1. Dear aik, sorry for the late reply as I was overseas as mentioned in my last article dated 31 October 2013.

      As to your question insurance-investment or FD has higher returns, I can't answer because FD rate fluctuates with time. Moreover, they are completely different products. One thing about FD is you can withdraw anytime you want whereas insurance-investments your funds may be stuck until maturity, And there are like a million different insurance investment schemes out here but FD is FD. Seriously, I am in no position to advise you on how to invest your money; but, if you need someone to teach you how to spend money faster and going broke, I am an expect in burning money, hahaha.

      Delete
  8. Hi GenX, I am generation Y, hehe. Many thanks for your very useful website which I have just come across this morning. I learnt a lot from your blog. Really thanks man. :)
    I have a question though. I plan to save my money in FD, and I am undecided whether Affin or Hong Leong MACH or Bank Raykat is better. At first though I prefer MACH, because it is online, offers highest yearly FD rate (4%) compared to the other two banks, and nearest to my house. But I currently do not own any account in Hong Leong bank. Am I eligible to apply for MACH?

    If I need to open an account just for MACH, then perhaps I will switch to Affin (I also dont have any account there, hehe)

    ReplyDelete
    Replies
    1. KC L, I am glad to know you appreciate my FREE Tuition, hahaha.

      As for opening FD accounts with HLB MACH, Affin and BR, well you can open with all of them if you want! All you need to do is bring your NRIC and of course your money (can be cash or banker's/personal cheque payable to yourself, i.e. your name. If you want to transfer money via GIRO, you may need a Savings Account with that bank).

      Young people like you are into online stuff and as such MACH was designed by HLB to attract customers like yourself. And since MACH is nearest to you, just go sign up with them even if you don't have a HLB account. And by you dropping by a MACH booth (they are in shopping malls and even KLIA2), you will be able to find out more on how to deposit money and what you need to do in order to sign up for Online Banking.

      Just go try out each bank and with time you can decide yourself which bank suits you better, in terms of time and procedures.

      Delete
    2. Thanks again GenX. You're really resourceful. You've cleared my doubts. Yeah I will go find out from HLB soon. By the way I believe you don't mind me sharing your blog with my friends right? hehe.

      Delete

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