BAC A BANK issues deposit certificates with interest rates up to 6.5%/year

BAC A BANK deposit certificate is a financial product that brings sustainable investment value to customers in the period of late 2025.

In the first issuance of BAC A BANK certificates of deposit (CCTG) in 2025, the minimum issuance value is 10 million VND/certificate with a fixed interest rate applied throughout the entire CCTG term.

Accordingly, the interest rate is divided into 2 terms as follows: 18-month term interest rate is 6.4%/year; 24-month term interest rate is 6.5%/year. Interest will be paid once at the end of the term. The principal will be paid once upon maturity or depending on the customer's needs.

BAC A BANK phát hành chứng chỉ tiền gửi với lãi suất lên tới 6,5%/năm - 1

As safe and secure as a regular savings product

In 2025, the investment market will have many fluctuations, making people with idle money more cautious when allocating money to different channels.

Besides the somewhat risky investment channels, small investors still choose traditional, safe channels to both make profits and ensure that cash flow is not concentrated in one basket. In particular, deposit certificates issued by reputable banks are a product that has both of those factors.

Certificate of deposit is a form to help customers manage idle cash flow safely and generate stable profits.

“As a customer of BAC A BANK for many years, I always choose this bank to deposit money because I believe in the development of Bac A. I follow the interest payment periods of bond products or savings deposits, and they are all paid on time. In addition, I also receive interest rate support when borrowing for consumption and business.

Therefore, I chose BAC A BANK's deposit certificate to have another stable and safe deposit channel as well as to be able to use it as collateral in case I want to borrow capital in the last months of the year", Mr. Vu Nguyen (39 years old, Ha Tinh ) said about the reason for choosing BAC A BANK's deposit certificate product.

Flexible in use, can be mortgaged or transferred when needed

In addition to competitive interest rates, CCTG can be transferred to ownership and inheritance according to customer requirements but must comply with general regulations of law and BAC A BANK in particular.

CCTG BAC A BANK also has the advantage of flexibility when customers can use it as collateral for credit loans at BAC A BANK and other credit institutions if approved and in accordance with the provisions of law from time to time.

In case a customer borrows a CCTG mortgage loan at BAC A BANK, if the time from the issuance of the CCTG to the mortgage loan is greater than 1 year, the customer will be applied a loan interest rate equal to the CCTG interest rate.

After the end of the deposit term, the CCTG will be paid in one lump sum on the due date. If the customer does not make payment on the due date, the system will automatically transfer the entire principal and interest to the safekeeping unit, waiting for the customer to complete the procedures to receive the principal and interest.

“For individual customers with idle cash flow, CCTG is a suitable choice because of its attractive interest rate, can be transferred or mortgaged when needed, so it is relatively flexible in terms of cash flow.

In addition, customers can proactively transact CCTG at nearly 190 BAC A BANK transaction points with high information security. In addition, the safety criteria and simple and easy-to-understand interest calculation mechanism are the optimal choice in the current context," said a BAC A BANK representative.

Find out more detailed information about CCTG BAC A BANK phase 1 in 2025 at BAC A BANK branches/transaction offices nationwide or contact customer care center 1800 588 828.

Source: https://dantri.com.vn/kinh-doanh/bac-a-bank-phat-hanh-chung-chi-tien-gui-voi-lai-suat-len-toi-65nam-20250917113714334.htm