According to records on September 22, 2026 at Ho Chi Minh City Development Joint Stock Commercial Bank (HDBank), online deposit products have higher listed interest rates for some terms compared to counter deposits.
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.
At the counter savings channel, HDBank has the highest interest rate of 7.6%/year for a 13-month term for LS13 type 1.
For a 12-month term, LS12 type 1 product has an interest rate of 7.2%/year.
However, this interest rate applies to savings of at least 500 billion VND or more/savings card, not applying the early interest and periodic interest forms.
For general deposits, HDBank's interest rates when depositing at the listed counter are as follows:
The 1-month term has an interest rate of 3.50%/year (interest paid at the end of the term);
Term of 03 to 5 months, listed interest rate at 3.60%/year;
The 6-month term has an interest rate of 4.90%/year;
Terms from 7 to 11 months have an interest rate of 4.7%/year.
The 18-month term has an interest rate of 5.5%.
For a term of 24-36 months, the listed interest rate is 4.9%.
Deposit 500 million VND at HDBank, how much interest will you receive?
The interest calculation formula applies as follows:
Interest = Deposit amount x deposit interest rate %/12 x number of months deposited
If you deposit 500 million VND online at HDBank, with an interest rate of 5% for a 36-month term, readers will receive an interest amount of 75 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.
