According to statistics, banks applying the ladder interest rate policy include: OCB, ACB , Techcombank, VPBank, Bac A Bank, GPBank and MB.
In particular, MB applies a ladder interest rate for deposit products at the counter, while the remaining banks apply it to online savings deposits.
According to the interest rate table for deposits at the counter announced by MB for individual customers receiving interest at the end of the term, the interest rate corresponding to the deposit account value of less than 1 billion VND or from 1 billion VND or more, the interest rate difference is from 0.05-0.15% for terms under 24 months, while the interest rate for terms of 24-60 months has no difference.
Specifically, bank interest rates applied to deposit accounts under 1 billion include: 1-month term is 3.2%/year, 2-month term is 3.3%/year, 3-5-month term is 3.6%/year, 6-11-month term is 4.2%/year, 12-month term is 4.85%/year and 13-18-month term is 4.65%/year.
Compared to the above interest rate table, MB pays interest rates for deposits of VND 1 billion or more 0.1% higher per year for terms from 1-11 months; 0.05% higher per year for terms from 12 months and 0.15% higher per year for terms from 13-18 months.
Meanwhile, the interest rate for 24-60 month term deposits is listed the same, at 5.7%/year for savings at the counter.
At OCB , the ladder deposit interest rate is applied to 3 online deposit levels: Under 100 million VND; from 100 million VND to 500 million VND and over 500 million VND.
Online banking interest rates applied to deposit accounts under VND 100 million are listed by OCB as follows: 1-month term: 3.9%/year; 2-month term: 4%/year; 3-4-month term: 4.1%/year; 5-month term: 4.5%/year; 6-11-month term: 5%/year; 12-15-month term: 5.1%/year; 18-month term: 5.2%/year; 21-month term: 5.3%/year; 24-month term: 5.4%/year and the highest 36-month term is 5.6%/year.
Compared to the above interest rate table, the mobilization interest rate for deposits from 100-500 million VND is 0.15-0.25% higher per year for terms from 1-15 months, while the interest rate for terms of 18-36 months is applied to all 3 deposit levels.
The highest interest rates listed by OCB for deposits over 500 million VND are as follows: 1-2 month term is 4.2%/year, 3 month term is 4.25%/year, 4 month term is 4.6%/year, 5 month term is 4.65%/year, 6-11 month term is 5.2%/year, 12-15 month term is 5.3%/year.
| OCB BANK ONLINE DEPOSITS INTEREST RATE (%/YEAR) | |||
| TERM | UNDER 100 MILLION | FROM 100 - 500 MILLION | OVER 500 MILLION |
| 1 MONTH | 4 | 4.15 | 4.2 |
| 2 MONTHS | 4.1 | 4.15 | 4.2 |
| 3 MONTHS | 4.1 | 4.2 | 4.25 |
| 4 MONTHS | 4.1 | 4.55 | 4.6 |
| 5 MONTHS | 4.5 | 4.6 | 4.65 |
| 6-11 MONTHS | 5 | 5.15 | 5.2 |
| 12-15 MONTHS | 5.1 | 5.25 | 5.3 |
| 18 MONTHS | 5.2 | 5.2 | 5.2 |
| 21 MONTHS | 5.3 | 5.3 | 5.3 |
| 24 MONTHS | 5.4 | 5.4 | 5.4 |
| 36 MONTHS | 5.6 | 5.6 | 5.6 |
At ACB Bank, the ladder deposit interest rate is divided into 4 different deposit levels: Under 200 million VND, from 200 million to under 1 billion VND; from 1 billion VND to under 5 billion VND; and from 5 billion VND or more.
Accordingly, online savings interest rates for deposits under 200 million VND include: 1-month term is 3.1%, 2-month term is 3.2%/year, 3-month term is 3.5%/year, 6-month term is 4.2%/year, 9-month term is 4.3%/year, 12-month term is 4.9%/year.
The interest rate difference between deposit levels is from 0.05% - 0.1%/year. In which, the highest online savings interest rate applied by ACB for deposits from 5 billion VND is as follows:
The bank interest rate for 1-month term is 3.3%/year, 2-month term is 3.4%/year, 3-month term is 3.7%/year, 6-month term is 4.4%/year, 9-month term is 4.5%/year and 12-month term is 5.1%/year.
Techcombank 's ladder savings interest rates are divided into 3 different levels when saving online: under 1 billion VND, from 1 billion to under 3 billion VND, and from 3 billion VND or more.
According to the online deposit interest rate table under 1 billion VND, the bank interest rate for a term of 1-2 months is 3.25%/year, for a term of 3-5 months is 3.55%/year, for a term of 6-11 months is 4.55%/year, and for a term of 12-36 months is 4.75%/year.
The interest rate difference between deposit levels is from 0.05% - 0.1%/year, in which the highest deposit interest rate at Techcombank is 4.85%/year with deposits from 3 billion VND or more.
However, Techcombank also applies a policy of adding up to 0.5%/year interest rate for the first deposit in 2025 (terms of 3, 6, 12 months). Therefore, the highest mobilization interest rate can be up to 5.35%/year.
| ONLINE DEPOSITS INTEREST RATE AT TECHCOMBANK (%/YEAR) | |||
| TERM | UNDER 1 BILLION | 1 BILLION - UNDER 3 BILLION | FROM 3 BILLION |
| 1 - 2 MONTHS | 3.25 | 3.35 | 3.45 |
| 3 - 5 MONTHS | 3.55 | 3.65 | 3.75 |
| 6 - 11 MONTHS | 4.55 | 4.6 | 4.65 |
| 12 - 36 MONTHS | 4.75 | 4.8 | 4.85 |
Similar to Techcombank, VPBank also lists online deposit interest rates according to 3 different deposit levels: under 3 billion VND, from 3-10 billion VND, from 10-50 billion VND and over 50 billion VND.
Online deposit interest rates applied by VPBank for deposit accounts under 3 billion VND are as follows: 1-month term is 3.7%/year, 2-5 month term is 3.8%/year, 6-11 month term is 4.7%/year, 12-18 month term is 5.2%/year and 24-36 month term is 5.3%/year.
The highest deposit interest rate is applied by VPBank for deposits over 50 billion VND with an interest rate 0.2%/year higher than the above interest rate table.
In addition, VPBank adds interest rates from 0.1% - 0.3%/year for each customer segment when making savings deposits at the counter and online.
| ONLINE DEPOSITS INTEREST RATE AT VPBANK (%/YEAR) | |||
| TERM | UNDER 1 BILLION - UNDER 3 BILLION | 3 BILLION - UNDER 10 BILLION | 10 BILLION - UNDER 50 BILLION |
| 1 MONTH | 3.7 | 3.7 | 3.8 |
| 2 - 5 MONTHS | 3.8 | 3.8 | 3.9 |
| 6 - 11 MONTHS | 4.7 | 4.7 | 4.8 |
| 12 - 18 MONTHS | 5.2 | 5.2 | 5.3 |
| 24 - 36 MONTHS | 5.3 | 5.4 | 5.5 |
At Bac A Bank , the interest rate is applied in two levels, under 1 billion VND and over 1 billion VND. The interest rate difference between the two levels is 0.2%/year.
This is also a rare bank that maintains an interest rate of 6.1%/year when customers deposit savings for 18-36 months with an amount of over 1 billion VND.
The remaining bank that maintains a tiered interest rate policy is GPBank , which applies to deposits at the counter. The interest rate difference between deposits under VND500 million and over VND500 million is up to 0.25%/year.
However, GPBank only applies the ladder interest rate for terms from 6-13 months.
| INTEREST RATE AT GPBANK COUNTER (%/YEAR) | ||
| TERM | UNDER 500 MILLION | FROM 500 MILLION |
| 6 MONTHS | 4.9 | 5.15 |
| 7 MONTHS | 4.9 | 5.15 |
| 8 MONTHS | 4.9 | 5.15 |
| 9 MONTHS | 5 | 5.25 |
| 12 MONTHS | 5.2 | 5.45 |
| 13 MONTHS | 5.2 | 5.45 |
Since the beginning of June, GPBank is the first bank to increase deposit interest rates.
Two banks reduced interest rates in June: LPBank (18-60 month term with a decrease of 0.2%/year) and Bac A Bank (12-36 month term with a decrease of 0.1%/year).
Source: https://baodaknong.vn/gui-tren-1-ty-dong-nha-bang-hiem-hoi-tra-lai-suat-6-1-nam-255107.html
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