VDK Bank Interest Rates: Increases and Decreases

VDK Bank Adjusts Interest Rates: Increases and Decreases in Savings Certificates and Term Deposits

2 October 2025 at 17: 25

Reading time: 2 minutes

Vdk adjusted the interest rate on its term accounts and savings bonds with terms of up to six years on October 1, 2025. Interest rate changes vary by product and term: some entrance fee have risen, while others have fallen.

Changes in interest rates on savings bonds and certificates of deposit

The interest rate on 3-month and 6-month cash bonds and certificates of deposit has been reduced from 1,25% to 1%. For 1-year and 2-year cash bonds, the interest rate has decreased from 2,10% to 1,80% and from 2,20% to 1,90%, respectively. Conversely, the interest rate on 3-year cash bonds and certificates of deposit has increased from 2,25% to 2,30%. For 4-year maturities, the interest rate has decreased slightly from 2,45% to 2,40%. The interest rate on 5-year cash bonds has also decreased slightly from 2,60% to 2,55%, while the interest rate for 6-year maturities has increased from 2,30% to 2,60%.

Changes in interest rates on term accounts

For term deposits with a term of 3 to 11 months, the interest rate has been set at 1%. This is a reduction from the previous rates, which ranged from 1,25% to 1,50%. The interest rate on term deposits with terms of one year, 15 months, and 2 years has been lowered to 1,80%, 1,85%, and 1,90%, respectively. For term deposits with terms of three to five years, the interest rates have been lowered to 2,10%, 2,15%, and 2,20%.

It's important to note that the interest on certificates of deposit, savings bonds, and term deposits is gross. A 30% withholding tax must be taken into account when converting to a net payment.

Frequently Asked Questions

What are the new interest rates on savings bonds and certificates of deposit at Vdk?
The interest rate on 3-month and 6-month savings bonds and certificates of deposit has been lowered to 1%. For 1-year and 2-year savings bonds, the interest rate has been reduced to 1,80% and 1,90%, respectively. The interest rate for three-year maturities has been increased to 2,30%, and for four-year and five-year maturities, it has decreased slightly to 2,40% and 2,55%. For six-year maturities, the interest rate has risen to 2,60%.

What are the new interest rates on term deposits at Vdk?
The interest rate on term deposits with terms of 3 to 11 months has been lowered to 1%. The interest rate for terms of one year, 15 months, and 2 years has been lowered to 1,80%, 1,85%, and 1,90%, respectively. For terms of three to five years, the interest rates have been lowered to 2,10%, 2,15%, and 2,20%, respectively.

Do I need to take into account taxes on the interest on cash bonds, certificates of deposit and term accounts?
Yes, you must keep in mind that the interest is gross. When converting to a net payment, a 30% withholding tax must be taken into account.

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