HDBank's highest savings interest rate is up to 8.1%/year
Recorded on January 27, HDBank's capital mobilization interest rate table continued to list a very high special interest rate at the counter for large deposits.
The highest interest rate for the entire system is 8.10%/year, applied to the 13-month term. In addition, the 12-month term also has a special interest rate of 7.70%/year.
However, to enjoy this "huge" interest rate, customers need to meet the condition of having a minimum savings of 500 billion VND or more and receiving interest at the end of the term. This is a preferential policy specifically for the super VIP customer segment.
Online Savings" interest rates for individual customers
For the vast majority of individual customers, the "Online Savings" form is still the optimal choice thanks to higher interest rates compared to depositing at the counter for many terms.
According to the current interest rate schedule, interest rates for short terms are still very competitive: terms of 1-2 months are 4.20%/year; terms of 3-5 months are 4.30%/year.
Notably, the 6-month term interest rate is kept at 5.50%/year. Longer terms such as 12 months are 5.80%/year, and 13 months are 6.00%/year.
The highest annual listed interest rate for online products is 6.10%/year, for a term of 18 months.
Deposit 250 million VND online, how much interest will you receive?
The profit calculation for the 250 million VND deposit will vary depending on the term customers choose. Below is the expected interest calculation table (Interest = Deposit amount x Interest rate x Monthly / 12):
Thus, if depositing 250 million VND, customers choosing an 18-month term will receive the best interest rate per year (6.10%), earning nearly 23 million VND in interest.
However, if there is no need to use capital for a long time, the 36-month term will bring the highest total actual interest received, up to 41,250,000 VND, helping to maximize profits for idle money.
The above Interest Rate Table is for reference only. To know the latest and most accurate information, please contact the nearest bank branch.
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