This morning, September 21st, VietinBank officially listed its new online deposit interest rate schedule. The bank adjusted the interest rate for 1-2 month term deposits upwards by 0.2 percentage points to 3.4% per year.
VietinBank reduced its deposit interest rate for 3-5 month terms by 0.15 percentage points to 3.85%/year. Interest rates for 6-9 month terms remained unchanged at 4.7%/year (the same as Agribank , and 0.1 and 0.2 percentage points higher than BIDV and Vietcombank respectively for the same terms).
Online deposit interest rates for terms of 12-36 months decreased by 0.3 percentage points to 5.5% per year.
Thus, all four state-owned commercial banks are currently listing deposit interest rates for 12-36 month terms at 5.5% per year. This is also the lowest rate on the market today.
OceanBank reduced interest rates on term deposits of 1-5 months by 0.15 percentage points to 4.6% per year. OceanBank also uniformly reduced interest rates on deposits of 6-36 months by 0.3 percentage points.
Accordingly, online deposit interest rates for terms of 5-8 months are now 5.8%/year. For terms of 9-11 months, the rate is 5.9%/year; for 12-13 months, it is 6.1%/year. For 15 months, the rate is 6.3%/year, and for 18-36 months, it has decreased to 6.5%/year.
OceanBank lists deposit interest rates at the counter that are 0.1 percentage point lower than online rates for each deposit term of 6 months or more. Meanwhile, there is no difference in deposit interest rates for terms under 6 months between the two methods.
MSB Bank has reduced interest rates for the second time this month. This adjustment only applies to terms of 1-8 months. Specifically, online deposit interest rates for terms of 1-5 months decreased by 0.2 percentage points to 4%/year. Interest rates for terms of 6-8 months also decreased by 0.2 percentage points to 5.2%/year.
MSB maintains the same deposit interest rates for remaining terms. The interest rate for 9-11 month terms is 5.4%/year and for 12-36 month terms is 5.5%/year.
However, the bank is maintaining the "special interest rate" of 6% per year for deposits with terms of 12 months, 15 months, and 24 months for customers opening new deposit accounts.
Currently, 16 commercial banks have lowered deposit interest rates for all maturities to below 6% per year.
According to statistics, since the beginning of September, 29 banks have reduced interest rates, including: Eximbank, BacA Bank, PG Bank, Saigonbank, MB, OCB, Sacombank,SHB , GPBank, Techcombank, ACB, Nam A Bank, KienLongBank, TPBank, CBBank, MSB, Viet A Bank, BaoVietBank, PVCombank, Agribank, NCB, BVBank, Vietcombank, BIDV, SeABank, Dong A Bank, ABBank, OceanBank, and VietinBank.
Specifically, Viet A Bank, MB, ACB, Techcombank, Eximbank, Nam A Bank, MSB, and GPBank have reduced interest rates twice since the beginning of the month.
OCB alone has reduced interest rates three times since the beginning of September.
| TABLE OF HIGHEST DEPOSIT INTEREST RATES ON SEPTEMBER 21 (%/year) | ||||||
| BANK | 1 MONTH | 3 MONTHS | 6 MONTHS | 9 MONTHS | 12 MONTHS | 18 MONTHS |
| VIETCOMBANK | 3 | 3.5 | 4.5 | 4.5 | 5.5 | 5.5 |
| MB | 3.2 | 3.7 | 4.6 | 4.6 | 5.5 | 5.5 |
| VIETINBANK | 3.4 | 3.85 | 4.7 | 4.7 | 5.5 | 5.5 |
| AGRIBANK | 3.4 | 3.85 | 4.7 | 4.7 | 5.5 | 5.5 |
| NCB | 4.75 | 4.75 | 6.6 | 6.65 | 6,7 | 6.6 |
| VIETBANK | 4.75 | 4.75 | 6.6 | 6,7 | 6,7 | 6.6 |
| HDBANK | 4.75 | 4.75 | 6.6 | 6,7 | 6.8 | 6.8 |
| PVCOMBANK | 4.25 | 4.25 | 6.4 | 6.4 | 6.5 | 6.8 |
| SCB | 4.75 | 4.75 | 6.35 | 6.35 | 6.45 | 6.35 |
| CBBANK | 4.2 | 4.3 | 6.3 | 6.4 | 6.6 | 6,7 |
| LPBANK | 4.35 | 4.35 | 6.3 | 6.3 | 6.4 | 6.8 |
| DONG A BANK | 4.5 | 4.5 | 6.2 | 6.3 | 6.55 | 6.75 |
| BAC A BANK | 4.75 | 4.75 | 6.2 | 6.25 | 6.3 | 6.4 |
| VIET A BANK | 4.6 | 4.6 | 6.1 | 6.2 | 6.5 | 6.5 |
| BAOVIETBANK | 4.4 | 4.75 | 6.1 | 6.3 | 6.5 | 6.5 |
| SHB | 4.5 | 4.75 | 6.1 | 6.2 | 6.4 | 6.4 |
| PG BANK | 4.45 | 4.45 | 6 | 6 | 6.1 | 6.6 |
| ABBANK | 4.5 | 4.5 | 5.9 | 5,6 | 5,6 | 5.3 |
| OCEANBANK | 4.6 | 4.6 | 5.8 | 5.9 | 6.1 | 6.5 |
| BVBANK | 4.4 | 4.7 | 5.75 | 5.9 | 6.05 | 6.15 |
| SAIGONBANK | 3.6 | 4 | 5.7 | 5.7 | 5.9 | 5.9 |
| NAMA BANK | 4.65 | 4.65 | 5,6 | 5.9 | 6.3 | 6,7 |
| VIB | 4.75 | 4.75 | 5,6 | 5,6 | 6.2 | |
| SACOMBANK | 3.7 | 3.9 | 5.5 | 5.8 | 6.2 | 6.4 |
| VPBANK | 4.4 | 4.45 | 5.5 | 5.5 | 5.8 | 5.1 |
| KIENLONGBANK | 4.75 | 4.75 | 5.4 | 5,6 | 5.7 | 6.4 |
| TECHCOMBANK | 3.85 | 4 | 5.35 | 5.4 | 5.55 | 5.55 |
| OCB | 4.1 | 4.25 | 5.3 | 5.4 | 5.5 | 5.9 |
| ACB | 3.6 | 3.8 | 5.3 | 5.3 | 5.5 | |
| MSB | 4 | 4 | 5.2 | 5.4 | 5.5 | 5.5 |
| MB | 3.6 | 3.8 | 5.2 | 5.3 | 5,6 | 6.3 |
| SEABANK | 4.45 | 4.45 | 5.2 | 5.35 | 5.5 | 5.5 |
| EXIMBANK | 4 | 4 | 5.2 | 5.5 | 5,6 | 5.8 |
| GPBank | 4.25 | 4.25 | 5.15 | 5.25 | 5.35 | 5.45 |
| TPBANK | 3.8 | 4 | 5 | 5 | 5.55 | 6 |
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