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Your optimal daily yield solution​

​Make the most of short-term cash flow with
market-leading returns and flexible liquidity.

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Bao Loc Certificates of Deposit (CD)

 

An optimal short-term yield solution issued by Techcombank, fully secured in compliance with State Bank regulations. Compared to conventional deposit products, Bao Loc Certificates of Deposit offer higher short-term returns with the flexibility to withdraw anytime WITHOUT LOSING INTEREST.​

 

  • Maximize the use of all cash flows — including revenue, guarantees, or upcoming expenses — instead of letting funds sit idle​

 

  • Easy to purchase with denominations starting from 50 million VND
  • Income from trading Bao Loc Certificates of Deposit is not subject to VAT

 

  • Can be used as collateral at Techcombank or other credit institutions​

  • Trusted by over 3,000,000 individual and corporate customers, with an average daily trading volume of 15,000 billion VND​

 

Outstanding benefits

Market-leading yield​

From 4% p.a. after just 5 days of holding, rising to 5.6%++ p.a. after a full 6 months (*). Over 56 times more effective than non- term interest rates on payment accounts!​

 

(*) Yields for holding periods of 3 months or more apply when selling Bao Loc CDs at the counter.

Flexible liquidity and transferability​

Completely free of charge — anytime you need. Your returns are preserved, and funds can be withdrawn in just seconds right on Techcombank Business

Cashback equivalent to +0.5% p.a. yield

Enjoy cashback based on your monthly average Bao Loc CD balance increase (*). Your business can use the cashback to support operational costs or employee salaries.​

 

(*) Terms and conditions apply.​

Receive voucher gift with first transaction

For the first 50 businesses to purchase Bao Loc Certificates of Deposit for the first time, applicable every Friday.

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Profit illustration from Bao Loc CD​

Suppose on September 19, 2025, your business invests VND 20 billion in Bao Loc CD. The liquidity returns at each holding milestone will be as follows:​

After only 1 month of holding, Bao Loc CDdelivered VND 84,931,507 in profit—50times more effective than keeping thefunds in a payment account.

Introduce new feature "Auto Sweeping"

 

Automatically buy Bao Loc CD for corporate customers

 

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Frequently Asked Questions

Which organization issues Bao Loc CD? Is this product safe?

Bao Loc CD is a deposit product issued by Techcombank in compliance with the State Bank's regulations. Bao Loc CD has the same value as a savings deposit, safe and insured like a savings deposit. Bao Loc CD has a term of 36 /48 months; interest is paid periodically every 3/6 months into the business's current account opened at Techcombank and is free of transfer fees.


CCTG Bao Loc is NOT a Fund Certificate.

Do I have to pay transfer fees when trading Bao Loc CD on Techcombank Business?

You don't have to pay any tranfer fees when trading Bao Loc CD Online

What is yield rate or odd day interest rate and how to calculate it?

Yield date/Odd day interest rate is the rate calculated when you sell/transfer Bao Loc CD.


Yeild rate/Odd day interest rate = (Selling price - Buying price + Total yield received)/Buying price*365/number of holding days

Where can I find the latest yield rate of Bao Loc CD?

Please refer to the yield when transferring Bao Loc CD in Techcombank Business application:
For expected yield when buying Bao Loc CD:

  • Step 1: From the home screen, select More > Bao Loc Certificate of Deposit > Buy in
  • Step 2: Enter the total par value you want to buy and select Continue. The system will display purchase suggestion.
  • Step 3: Select Return projectment tool for the total amount purchased and enter the expected selling date. The system will display detailed expected profits for the total amount you want to buy.

For profits when selling CCTG:

  • Step 1: From the home screen, select More > Bao Loc Certificate of Deposit > Sell out
  • Step 2: Enter the total par value to sell, select the list of certificates to sell and select Continue
  • Step 3: The system will display Total receiving interest. Select View detailed list of CDs and return breakdown to review details.

Does Techcombank have a buyback commitment for Bao Loc CD?

According to the regulations of the State Bank, Techcombank is not permitted to repurchase CDs issued by ourselves.

 

However, a lot of customers engage in CD transactions due to its exceptional features regarding interest rates and trading platforms.

 

Techcombank will consider an exception allowing you to settle the CD before maturity and benefit from a non-term interest rate for a period of time from the date of buying till the date of selling, in the event that your business is unable to find a partner to transfer and needs to withdraw capital immediately.

 

Bao Loc CD is just as safe and insured as a savings deposit, and it has the same value.

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