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FE CREDIT Investor

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Investor name *

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Phone number *

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Company name *

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Email *

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Rule13 *

I agree to provide personal information to FE CREDIT to complete the procedure. I have read and understood the information security policy of Decree 13

Optimize profits

Competitive interest rates

Flexible term

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Product features

	Certificate of deposit (CD)	Term deposit (TD)
Formality	Sign the contract(s) and issue Certificate of Deposit	Sign the contract(s)
Advantages	Transferable Can withdraw prematurely under agreement between the holder of Certificate of Deposit and FE CREDIT Can pledge and discount Certificate of Deposit to borrow capital from credit institutions	Can extend the tenor of Term Deposit Can withdraw prematurely Can pledge to borrow money from credit institutions
Issuers	VPBANK SMBC FINANCE COMPANY LIMITED (FE CREDIT).
Application for registration	1. Establishment License/Operating License/Business Registration Certificate or other equivalent documents 2. Seal Registration Certificate 3. Valid ID card/CCCD/Passport (notarized copy) of the legal representative and authorized person (if any) 4. Authorization document (applicable when the person performing the transaction/signing the transaction minutes is an authorized person) 5. And other legal documents as required by FE CREDIT, in accordance with the provisions of law
Types of Customers	Residents being organizations Non-residents being organizations including: Diplomatic missions, consulates, representative bodies of international organizations in Vietnam; representative offices, project offices of foreign organizations in Vietnam;
Term	01 – 36 months
Interest Rate	Competitive, outstanding
Payment method of principal and interest	Interest is paid on the issue date, or maturity date, or periodically by month/quarter/year based on the agreement between FE CREDIT and the Investor The principal is paid on maturity date
Checking account balance	Can check the account balance of term Certificate of Deposit and/or Term Deposit here after successfully registering an online account.

Certificate of deposit (CD)	Term deposit (TD)
Formality
Sign the contract(s) and issue Certificate of Deposit	Sign the contract(s)
Advantages
Transferable Can withdraw prematurely under agreement between the holder of Certificate of Deposit and FE CREDIT Can pledge and discount Certificate of Deposit to borrow capital from credit institutions	Can extend the tenor of Term Deposit Can withdraw prematurely Can pledge to borrow money from credit institutions
Issuers
VPBANK SMBC FINANCE COMPANY LIMITED (FE CREDIT).
Application for registration
1. Establishment License/Operating License/Business Registration Certificate or other equivalent documents 2. Seal Registration Certificate 3. Valid ID card/CCCD/Passport (notarized copy) of the legal representative and authorized person (if any) 4. Authorization document (applicable when the person performing the transaction/signing the transaction minutes is an authorized person) 5. And other legal documents as required by FE CREDIT, in accordance with the provisions of law
Types of Customers
Residents being organizations Non-residents being organizations including: Diplomatic missions, consulates, representative bodies of international organizations in Vietnam; representative offices, project offices of foreign organizations in Vietnam;
Term
01 – 36 months
Interest Rate
Competitive, outstanding
Payment method of principal and interest
Interest is paid on the issue date, or maturity date, or periodically by month/quarter/year based on the agreement between FE CREDIT and the Investor The principal is paid on maturity date
Checking account balance
Can check the account balance of term Certificate of Deposit and/or Term Deposit here after successfully registering an online account.

Interest rates

Terms & interest rate

From 0 - 6 months

Term

(month(s))

Interest rate (%/year)

(interest paid at maturity)

1 month

4.40

2 months

4.75

3 months

4.75

4 months

4.75

5 months

4.75

7 months

7.10

6 months

7.00

From 7 - 12 months

Term

(month(s))

Interest rate (%/year)

(interest paid at maturity)

7 months

7.10

8 months

7.10

9 months

7.15

10 months

7.15

11 months

7.15

12 months

10

From 13 - 24 months

Term

(month(s))

Interest rate (%/year)

(interest paid at maturity)

13 months

7.40

14 months

7.40

15 months

7.40

16 months

7.40

22 months

7.40

24 months

7.50

From 0 - 6 months

Term

(month(s))

Interest rate (%/year)

(interest paid at maturity)

1 month

4.40

2 months

4.75

3 months

4.75

4 months

4.75

5 months

4.75

7 months

7.10

6 months

7.00

From 7 - 12 months

Term

(month(s))

Interest rate (%/year)

(interest paid at maturity)

7 months

7.10

8 months

7.10

9 months

7.15

10 months

7.15

11 months

7.15

12 months

10

From 13 - 24 months

Term

(month(s))

Interest rate (%/year)

(interest paid at maturity)

13 months

7.40

14 months

7.40

15 months

7.40

16 months

7.40

22 months

7.40

24 months

7.50

*The interest rate schedule is updated and applied periodically. Latest update 03/2025

YOU NEED TO CONSIDER MORE

Tools & Materials

Calculate deposit interest

Deposit start date

Deposit amount

VND

Deposit term

More deposit terms here

Interest rate

%/year

More deposit interest rates here

Automated profitable investment
join FE CREDIT today

FE CREDIT provides information and guidance to customers. Customers are advised to read and thoroughly understand FE CREDIT’s Term Deposit product, including the sample contract, product features, and other relevant information before proceeding with any transaction.

Investment benefits with FE CREDIT

Maturity date

Actual number of days day(s)

Total interest amount

Total principal & interest amount

*Note: The deposit interest calculation tool is for reference only. For more details, please leave your information to receive the most accurate consultation.

Automated profitable investment
join FE CREDIT today

FE CREDIT provides information and guidance to customers. Customers are advised to read and thoroughly understand FE CREDIT’s Term Deposit product, including the sample contract, product features, and other relevant information before proceeding with any transaction.

Investment benefits with FE CREDIT

Maturity date

Actual number of days

Total interest amount

Total principal & interest amount

*Note: The deposit interest calculation tool is for reference only. For more details, please leave your information to receive the most accurate consultation.

YOUR NEED TO CONSIDER MORE

Product procedure

Step 1

Learn information

FE CREDIT provides information and guide Customer to read Term Deposit product of FE CREDIT including contract sample, product features and other information before making transactions.

Step 2

Provide, update documents

2/ Customer provides the legal documents, FE CREDIT updates Customer’s information in accordance with provisions of FE CREDIT and Law
(2a) Customer who have had transaction with FE CREDIT:
Updated legal documents and information (if any);
Term Deposit Contract.
(2b) Customer having first transaction with FE CREDIT:
Customer information declaration for entity/Company/Financial Institution;
Legal documents of legal indentity (see also “PRODUCT FEATURES”, section “TD Application for registration”).
Term Deposit Contract.

Step 3

Sign the Term Deposit Contract

FE CREDIT and Customer sign the Term Deposit Contract.

Step 4

Transfer money

Customer transfers money from the customer’s current account opened in any other credit institution to carry out term deposit transaction in accordance with agreement in Term Deposit Contract.

Step 5

Internal procedure

After receiving the full amount of deposit, FE CREDIT will record in accounting book of term deposit. Other procedures will be followed in accordance with provisions of FE CREDIT and Law.

Related documents

Term Deposit Contract

Procedure of Certificate of Deposit Payment

Step 1

CASE 1

Customer send notifications to FE CREDIT

CASE 2

FE CREDIT does not receive any notifications for mature transactions

Step 2

Check customer information

Check, collect Customer information, transaction information with data stored by FE CREDIT before making payment.

Step 3

Update information

Check, update, change the standard settlement instructions, transaction status as Customer’s request and/or a third party (if any)

Step 4

Make payment

Make payment of principal / interest / principal and interest for Customer

Step 5

Internal procedure

1/ Record in accounting book of term deposit payment
2/ Make payment

Step 2a

Eligible for deposit term extension

Roll-over the mature transaction

Step 3a

Internal procedure

Record in accounting book of roll-over the mature transaction

Step 2b

Ineligible for deposit term extension

Make payment of principle and interest (if any) to the customer’s current account if customer does not meet the requirements for the roll-over transation in accordance with provisions of FE CREDIT and Law

Step 3b

Internal procedure

Record the payment of term deposits in accordance with FE CREDIT and Law

Step 1

Learn More

FE CREDIT provides information and guides customers. Customers read and investigate the FE CREDIT’s Certificate of Deposit including sample contracts, product characteristics and other information before making a transaction.

Step 2

Provide, update your profile

Customers provide or update legal documents as prescribed to serve the identification and updating of customer information in accordance with FE CREDIT and relevant laws
(2a) Customer who have had transaction with FE CREDIT:
Update legal documents (if any);
Certificate of Deposit contract (according to sample form).
(2b) Customer having first transaction with FE CREDIT:
Information declaration for customers who are organizations/ businesses/ financial institutions (according to FE CREDIT form);
Documents proving legal status (see also in the section “PRODUCT CHARACTERISTICS”, section “CD Application for registration”).
Certificate of Deposit contract (according to sample form).

Step 3

Sign Certificate of Deposit contract

3/ FE CREDIT and customer sign CD contract.

Step 4

Transfer money

The customer transfer money from their account opened at other credit institutions to make transactions in accordance with the contents agreed in the CD contract.

Step 5

Internal procedures

After receiving the full amount from customer, FE CREDIT will conduct the accounting book, issuance and transfer of the Certificate of Deposit to customer, and carry out other procedures in accordance with FE CREDIT and relevant laws from time to time.