1st batch got problem on the 6th month..then after that no more.

Your previous ones any issue ?

Their system not very stable. I do have problem but was resolved after complain to RM.

There are others more worthy of HNWI than me.

first time experience so far so good. services are good too.

applied fd promo + opening casa (smartsavers) last year, the staff managed well.

I'll be there probably next week or so to withdraw my casa (been dumping 1k/mth to gain max interest tier) and put to a decent fd promo (probably uob or mbb)

Depositor should be entitle to full interest as advertised in a Step up FD should he uplift upon completion of the first step or the following steps tenure.
HLB flyer advertised first step 9 months is 4.10% meaning depositor is entitle to 4.10% upon withdrawal on or after 9 months.
If indeed HLB penalize 9 months upliftment with half interest payment, then the advertisement of 4.10% for the first 9 months is meaningless or misleading. Why quoted 4.10% when there is no way to earn the 4.10% right ?. In this case, the proper advertisement should be 15 months 4.26% and no step up.

Upon maturity, can v uplift via online?

Thanks for the info, its new to me tho. All this while been getting pass book from other banks (rhb, cimb, pb, maybank).

not sure, didn't really asked last time

whn i placed my fd, I instructed to credit back into casa, principal + interest. I'll funnel the principal to reduce my house loan (also ocbc), hence I didn't think of stepping into the branch.

Yes, this is intended to be grey and misinterpreted, and then they make the kill. Noted Affin and HLB so far, any others?

What is the best FD perk that you received as a preferred member?



What is the FD tenure that earns you 4.285% from BR?

very worthy compilation.

from risk point of view, having an extra 0.3% without PDIM coverage is no a wise choice, won't you think so?

I would like the ask the wise ones...

cybpsych, which package is your pick?

not really worthy la, just play play with the numbers, see if it make sense

my fund would be from OCBC. gotta look at other aspects, including tenure, maturity date, convenience, etc.

1st choice MBB 5+5mth (expect to mature in Aug 2016, give me time for reinvestment from Aug-Sep 2016 onwards)
2nd choice PBB 12mth, dont mind lower rate but i got CASA there, in case need one.

been looking at UOB, pretty straightforward, no casa needed, but too far from my residential address (if they really check ur distance must be within 10km radius )

any promo longer than 12mth, can KIV first

I will take the HLB 15 months promo, as they are pidm protected, and pays interest monthly,
the interest paid out can put into another fd, that makes 3%+- interest onto your interest.

I took a look again at the MBSB offer of 18 mth 4.5%. I think what @wil-i-am said is correct. Both are general investment i product. Even MBSB return is not fixed as it is Islamic product.

MBB manager admitted that it is NOT a FD product. Another MBB branch said capital is guaranteed by MBB but it is NOT capital guaranteed.

Looking at the 2, MBB one is better at 12 mth and also monthly interest.

Also MBB one is invested on its sister Islamic Bank so safer in a way ? MBB is a much bigger bank.

This post has been edited by bbgoat: Oct 3 2015, 09:02 AM

make sense to me too

HLB 15-mth @ 4.26% p.a. - RM 71.27

MBB GIA account need go to branch to open? Is that can use maybank 2u?

MBSB FD could b PIDM if it's proposed merger with Bank Muamalat Malaysia Bhd is on

If they merge , is good thing because , bank muamalat very near for me if i got time in my hometown , its very convenience to me...

same here..but will they still retain the 4.5%? that will be the question

As long as u have lock in the rate, they will honour the rate until maturity

oh i mean retain the rate for new depositors after merger