HaoBTC offers two types of accounts:
Wallet: interest rate 3% APR
Finance: interest rate 12% - 15.58% APR; interest rate increases incrementally every month
Wallet has no minimum deposit and you can withdraw at any time and still earn interest. Finance has a minimum deposit amount (10btc I think) and you have to keep it deposited for a fixed amount of time to earn interest.
You only earn the interest at the first of each month, used to earn hourly and withdraw, now if you withdraw before the first of the month you'll loose the interest you accrued during that month.
Oh and pay withdraw fees
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