MBSB Excl 5 :22.3.2011 to 21.11.2011 all 4.7% only

i dont think Excl 5 interest can be that low in 2009 and 2010,should be around 4.7 -5% then.

Future policies on OPR hike to gear towards 3% inflation target
http://www.theedgemalaysia.com/business-ne...ion-target.html

In BR to uplift 3 months FD. Saw an old notice on starting 1/1/2014, no more cheque will be issued by BR.

Have to do IBG at RM2 to xfer out the matured FD. The staff was trying to dissuade me saying by end of the month (told her 2 more days only) or beginning of Sept, BR will be changing their rates.

Called MBSB today. They said on maturity they can issue cheque. They can TT out if the amount is >100k.

This is different from what you mentioned that they will wire out from HQ ?

This post has been edited by bbgoat: Aug 27 2014, 03:16 PM

Ah ha..please see below MBSB old flyers:

1 March 2009: 3.35%



5 October 2009: 4.00%



10 March 2010: 4.25%



15 May 2008: 5% + 3% in SA:


This post has been edited by BoomChaCha: Aug 28 2014, 02:55 AM

Thanks for the link...

Let's see next week.. Thanks
A lot of FDs to renew ha lately..

Oh.. you called to MBSB..?
Last time they TT out more than 100K from HQ, not from the branch, consequently
lost 2 to 3 days interest..

Thank you for your time, money and energy to call to MBSB..

You placed FDs in both RHB and Affin for 15 months?

no wonder ...........,

But your 1st rate 4.7% referred to Exclusive 5 rate.
Then below all referred to 49'ners rate pulak, and not Exclusive 5 rates.


This post has been edited by guy3288: Aug 28 2014, 08:55 AM

I have just checked V1 of the FD thread, the 5% MBSB FD was posted there...but I was not around in this forum during that time

Why was the Exclusive 5 rate offered in a helter-skelter manner?
5% > 4.90% > 3.35% > 4% > 4.25% > 4.70%

Hello Hunter, I just open UOB 13 months FD 3.90% but the officer mentioned that I must place 2k in the SA. This make me feel that UOB is a bit sneaky as they did not tell the customer the whole story in the term & condition. . It is definitely not a straight forward FD.

This post has been edited by FDInvestor: Aug 28 2014, 05:55 PM

All are Exclusive 5, not 49'ners Club.

Please look at the below flyers on your right bottom side one more time:

1 March 2009: 3.35%
https://forum.lowyat.net/uploads/attach-95/...-1409165175.jpg

5 October 2009: 4.00%
https://forum.lowyat.net/uploads/attach-95/...-1409165443.jpg

10 March 2010: 4.25%
https://forum.lowyat.net/uploads/attach-95/...-1409165648.jpg

15 May 2008: 5% + 3% in SA (this 5% is written on the top side of the flyer):
https://forum.lowyat.net/uploads/attach-95/...-1409164360.jpg


Oh..? Really.. can show the link?
If it is troublesome for you to find it, then never mind...Thanks

Because MBSB reacted to OPR changed and FD market condition, and also to run 5 years FD promo
just like the 5% + 3% in SA..

This post has been edited by BoomChaCha: Aug 28 2014, 08:26 PM

I got confused.

MBB no CASA. Step up. ER3.85% 12 M but its merdeka campaign. How come the merdeka campaign in 1st page is 6 month?

Here it is: MBSB 5% FD


I meant the margin of an increase or a decrease in their rate.

5% to 4.90% is a decrease of 0.10% while 3.35% to 4% is an increase of 0.65%

Any idea why HSBC FD rate always lower than Maybank and Public Bank. Was thinking of transferring all my Public Banks one to HSBC because HSBC only needs 200k for premier banking

sorry i was wrong, did not check properly. i thought i was mbsb regular yet could not remember at all those low rates.
i tried hard looking for my Fd records, could not find any for MBSB for 2009-2010.
found sukok simpanan rakyat, merdeka bond, Sukok 1M, all so good at 5%
Found BSN promo then gave 4.38% for 2yr FD fr 5.2.09-5.2.11. sorry off topic.

Oh... deep shxt loh.. ..I thought this FD discussion thread was only started in V1..?
Did not know that this has been started since many years in this forum..?

Thanks so much for the link, Warrior.. Your GPA is 5.0

I guess 2 possibilities:
(1) Banks FD competitions
(2) Volatile FD rates or OPR kept changing up and down at that time?

(1) I am comparing these 2 banks like this:
HSBS is Jaguar and May Bank is Perodua.
Jaguar spare parts are more expensive than Perodua, and Jaguar service is better.
So, you pay more money (earn less interest rate) for a better car and better service.

(2) I think HSBC primary target market is foreigners or for people (especially businessmen)
who are traveling a lot. These type of customers do not care about FD rate.

(3) HSBC is an investment house, they want you to invest rather than put money in FD.

This post has been edited by BoomChaCha: Aug 29 2014, 03:06 AM

No problem.
It seems you have been a MBSB customer for a long time..
Wah.. the rates are very fantastic..Congratulations..

Sukok 1 million..? What is Sukok?

SUKUK is like gov bond last time.... Heavenly rated and yet taken down or don't have idea whats happening now. Last i heard is that related to racial issues....

So not recommended to put all in hsbc?

You miss out SUKUK ? Last year there is one that I bought matured around May/June. I think the pay out was 5% every quarter (can't be 100% sure). Every time that it came out, long queue's in the participating banks. I only bought one but heard that few series was issued.

Was informed Affin offer 3.80% for FD 12 mths
Subject to min RM500k n today is last day