Fixed Deposit Rate/savings rate Low?

Fixed deposit remains one of the best conservative ways to save your money due to its PROS guaranteed returns, higher interest rates (compared to conventional savings accounts) and protection by PIDM.  Have you notice recent Fixed deposit/savings is lower? 

Let me share with you the latest Fixed Deposit rate offered by different banks & Its Pros & Cons

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What Happens When You Terminate A Fixed Deposit Early?

1) For fixed deposit accounts of 1 – 3 months
Question:
If your fixed deposit accounts with terms of one month, two month or three month, you premature withdrawal would see you entitle interest rate?
No. 

Question: 
Even if you opt to make an early withdrawal one day before the maturity date, you still will enjoy interest rate? 
No, you will not earn a single sen in interest.
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2) For fixed deposit accounts of more than 3 months
Question: 
1. If you opt to initiate a premature withdrawal any time you still entitle interest rate? 
No. 
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Question:
If you opt to initiate a premature withdrawal AFTER three months, you will still earn interests? 
Yes, but only at half of the interest rate you were offered.  In another word, 50% of the interest you’ve earned is retained by the bank as charges for early withdrawal.