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May 2026 deposit rates at HDBank remain among the higher levels seen across commercial banks, with the top rate reaching 7.6% per year on certain special products. The bank’s listed rates for personal customers vary by deposit term and whether the deposit is made at the counter or online.
For personal customers, on-counter deposits for non-term and very short terms (from 1 day to under 1 month) are listed at 0.5% per year. For short tenors (1–5 months), rates generally cluster around 3.5–3.6% depending on the term and interest payment method, with 1–2 month terms at 3.5% and 3–5 month terms at 3.6%.
In the 6–11 month range, rates increase to roughly 4.7–4.9%. The 6-month term is listed at up to 4.9%. For longer tenors of 12 months or more, HDBank applies two product levels: a standard product and special products.
HDBank’s online deposit rates are generally higher than counter rates for comparable tenors. For short tenors (1–5 months) online, rates are around 4.2–4.3% per year. For 6–11 months online, rates are about 4.8–5.0%, with the 6-month term at 5.0%.
For longer tenors (12–18 months) online, rates range from 5.3–5.6%.
Using the bank’s listed examples, a deposit of 100 million VND at HDBank would generate the following interest amounts:
The May 2026 schedule shows a clear step-up in returns as tenors lengthen, with online placements typically offering higher rates than counter deposits for many short and mid-term terms. The bank’s highest advertised rate of 7.6% per year is tied to specific special products for longer tenors.
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