According to records on September 8, 2026 at Ho Chi Minh City Development Joint Stock Commercial Bank (HDBank), online deposit products have listed interest rates that are more profitable than depositing at counters.
Online savings deposit interest rates (%/year) are announced by HDBank as follows:
Term 1-2 months: 4.20%/year.
Term 3-5 months: 4.30%/year.
6-month term: 5.00%/year.
Term 7-11 months: 4.80%/year.
8-month term: 4.80%/year.
12-month term: 5.30%/year.
Term 13-15 months: 5.50%/year.
18-month term: 5.60%/year.
Term 24-36 months: 5.00%/year.
Deposit 100 million VND at HDBank, how much interest will you receive?
The interest calculation formula applies as follows:
Interest amount = Deposit amount * interest rate (%/year) * number of actual deposit days/365
The analysis table below shows the expected actual interest received when depositing 100 million VND online at HDBank:
Thus, with a term of 36 months, the interest amount is up to 15 million VND.
The term with the highest interest rate is 18 months (5.6%/year), bringing in an interest of 8.4 million VND.
Interest rate information is for reference only and may change in each period. Please contact the nearest bank transaction point or hotline for specific advice.
Readers can refer to more articles about interest rates HERE.
