Golden Time Deposit 2 (Big Plus for 50 Plus)

For Islamic equivalent of Golden Time Deposit 2 (Big Plus for 50 Plus) click here.

Eligibility

Individuals aged 50 years and above
Joint account are allowed, provided primary account holder is 50 years old and above.

Protected by PIDM up to RM250,000 for each depositor. To view PIDM's brochure, click here.

Requirements

NRIC, passport & work permit (if applicable – for foreigners).
Minimum initial deposit of RM30,000 for Golden Time Deposit 2.
Initial deposits for Senior Savings Account, Statement RM250 and Passbook RM500.
The amount of deposit to open and maintain the Account shall be at least RM30,000. Each fixed deposit placement shall be treated as one (1) Account.

Interest Rates

Golden Time Deposit 2 (Big Plus for 50 Plus) Interest Rates

Fees and Charges

Golden Time Deposit 2 (Big Plus for 50 Plus) Fees and Charges

Terms and Conditions

Golden Time Deposit 2 (Big Plus for 50 Plus) Terms and Conditions (ENG)

Golden Time Deposit 2 (Big Plus for 50 Plus) Terms and Conditions (BM)

Declaration & Disclosure by Applicant (ENG & BM)

Important Notes

Each partial withdrawal must be a minimum of RM5,000 and in multiples of RM1,000 (subject to minimum balance of RM30,000 else FD must be uplifted & account closed.)

Upliftment/Withdrawal before maturity is allowed but the amount will be subject to the following conditions:

For FD placement/renewal from 1 November 2018 onward:

No interest will be paid for any fully or partially* withdrawn amount before completion of its tenure.

For FD placements/renewals prior to 1 November 2018:

i. FD for 1 to 3 months' tenure
No interest will be paid for any fully or partially* withdrawn amount before the completion of its tenure.

ii. FD for 4 months' tenure and above
Before Completion of 3 months
No interest will be paid for any fully or partially* withdrawn amount.

After Completion of 3 months
For any fully or partially* withdrawn amount, half the interest of the contracted rate for each completed month of the withdrawn amount is payable.

*For partial withdrawn, interest on the contracted rate is payable for the amount that is not withdrawn.

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