Update detailed online savings interest rate table (Online VND)
According to HDBank's latest online deposit interest rate table (applying the end-of-term interest payment method), the bank is currently allocating a fairly detailed profit margin, closely following each accumulation period of customers.
Below is a list of full HDBank interest rates listed for each term:
Super short term: 1 week, 2 weeks and 3 weeks are also applied with an interest rate of 0.50%/year.
1 month, 2 month term: The listed interest rate is 4.20%/year.
Term of 3 months, 4 months, 5 months: The listed interest rate is 4.30%/year.
6-month term: Reaching the milestone of 5.00%/year.
Term of 7 months, 8 months, 9 months, 10 months, 11 months: Interest rates are simultaneously listed at 4.80%/year.
12-month term: Listed at 5.30%/year.
13-month, 15-month term: Applied interest rate is 5.50%/year.
18-month term: Enjoy an interest rate of 5.60%/year. This is the highest interest rate for the standard VND Online Savings chart.
24-month, 36-month term: Adjusted to 5.00%/year.
(Note: For Vikki Online Savings Deposit product, the highest savings interest rate can be up to 6.00%/year applied specifically for the 13-month term).
Send 500 million VND online, how much interest will you receive?
To help customers easily visualize the profitable problem, below is a table of expected interest for a capital of 500 million VND deposited according to the regular VND Online Savings chart (Formula: Interest = Deposit amount x Interest rate x Number of months / 12):
Thus, if depositing 500 million VND, customers choosing an 18-month term will optimize the annual profit margin (5.60%), earning 42 million VND in interest.
However, if customers have a long-term accumulation plan and choose to deposit for a 36-month term (interest rate of 5.00%/year), the total actual interest received at the end of the term will reach a maximum of 75,000 VND. This is a safe option to help increase assets effectively through the savings interest rate channel.
Note: The interest rate table is for reference based on published bank documents.
