HDBank Offers Competitive Deposit Interest Rates for Over-the-Counter Customers in September 2025
In early September 2025, HDBank, the Ho Chi Minh City Development Joint Stock Commercial Bank, introduced a range of competitive interest rates for over-the-counter deposits. Rates vary from 0.5% to 8.1% per annum, with a notable increase of 0.6% for terms of 7 to 11 months compared to the rates surveyed in early June.
For deposits under 1 month, HDBank offers an interest rate of 0.5% per annum; for terms of 1 to 2 months, the rate is 3.35% per annum ;
for 3 to 5 months, it’s 3.45% per annum; the rate for a 6-month term is 5.2% per annum; and for terms of 7 to 11 months, the interest rate stands at 5.2% per annum.
For the 12-month term, HDBank offers an interest rate of 7.7% per annum for deposits of 500 billion VND and above, while deposits below 500 billion VND earn an interest rate of 5.5% per annum.
For the 13-month term, the interest rate remains attractive at 8.1% per annum for deposits of 500 billion VND and above, and 5.7% per annum for deposits below that threshold.
The interest rates for 15 and 18-month terms are set at 5.9% per annum and 6.0% per annum, respectively. For longer-term deposits of 24 to 36 months, the applied interest rate is 5.4% per annum.
In addition to the end-of-term interest payment option, HDBank offers various interest payment frequencies with competitive rates: Advance interest payment: 3.25% – 5.4% per annum; Monthly interest payment: 3.35% – 5.7% per annum; Quarterly interest payment: 4.5% – 5.7% per annum; Semi-annual interest payment: 5.1% – 5.8% per annum; Annual interest payment: 5.2% – 5.3% per annum.
HDBank’s Over-the-Counter Deposit Interest Rates as of September 1, 2025
Source: HDBank
HDBank’s Online Savings Interest Rates for September 2025
HDBank’s online savings interest rates for September 2025 range from 0.5% to 6.1% per annum. Similar to the over-the-counter rates, the online rates for terms of 7 to 11 months have also been adjusted upward by 0.6% compared to the rates surveyed in early June.
Specifically, for terms under 1 month, the applied interest rate is 0.5% per annum; for terms of 1 to 2 months, it’s 3.85% per annum; for terms of 3 to 5 months, the rate is 3.95% per annum; the 6-month term earns an interest rate of 5.3% per annum; the 7 to 11-month term is at 5.3% per annum; the 12-month term offers an interest rate of 5.6% per annum; the 13-month term is at 5.8% per annum; the 15-month term is at 6.0% per annum; and the 18-month term stands at 6.1% per annum. The 24 and 36-month terms share the same interest rate of 5.5% per annum.
With a maximum interest rate of 6.1% per annum for the 18-month term, HDBank remains one of the banks offering the highest deposit interest rates in the market today.
HDBank’s Online Deposit Interest Rates as of September 1, 2025
Source: HDBank
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