Deposit Interest Rates for Over-the-Counter Transactions in October 2025
As of early October 2025, Ho Chi Minh City Development Commercial Joint Stock Bank (HDBank) has set its over-the-counter deposit interest rates to range between 0.5% and 8.1% per annum.
Specifically, deposits with terms under 1 month are offered at 0.5%/year; 1-2 months at 3.35%/year; 3-5 months at 3.45%/year; 6 months at 5.2%/year; and 7-11 months also at 5.2%/year.
For 12-month terms, deposits of 500 billion VND or more earn 7.7%/year, while smaller amounts receive 5.5%/year. At the 13-month term, rates are 8.1%/year for deposits above 500 billion VND and 5.7%/year for smaller deposits.
The 15-month and 18-month terms offer rates of 5.9%/year and 6.0%/year, respectively. Deposits with 24 to 36-month terms are set at 5.4%/year.
In addition to end-of-term interest payments, HDBank provides various payout options: Advance Interest at 3.25% – 5.4%/year; Monthly Interest at 3.35% – 5.7%/year; Quarterly Interest at 4.5% – 5.7%/year; Semi-Annual Interest at 5.1% – 5.8%/year; and Annual Interest at 5.2% – 5.3%/year.
Over-the-Counter Deposit Interest Rate Chart as of October 5, 2025
Source: HDBank
HDBank Online Savings Interest Rates for October 2025
In October 2025, HDBank’s online deposit interest rates range from 0.5% to 6.1% per annum.
Details include: Under 1 month at 0.5%/year; 1-2 months at 3.85%/year; 3-5 months at 3.95%/year; 6 months at 5.3%/year; 7-11 months at 5.3%/year; 12 months at 5.6%/year; 13 months at 5.8%/year; 15 months at 6.0%/year; 18 months at 6.1%/year; and 24 to 36 months at 5.5%/year.
With a peak rate of 6.1%/year for 18-month terms, HDBank remains among the banks offering the highest deposit interest rates in the current market.
Online Deposit Interest Rate Chart as of October 5, 2025
Source: HDBank
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