According toACB 's new interest rate schedule, for deposits under 200 million VND, the interest rates for 1, 2, and 3-month terms are 3.4%, 3.5%, and 3.6% per year, respectively, a decrease of 0.1 percentage point compared to yesterday.
Notably, the 6-month term interest rate decreased from 5% to 4.6%/year. The 9-month term interest rate decreased from 5.1% to 4.65%/year, and the 12-month term interest rate decreased from 5.5% to 4.7%/year.
ACB adds 0.1 percentage point for each different deposit amount, such as from 200 million VND to less than 1 billion VND, from 1-5 billion VND, and from 5 billion VND or more.
With the progressive interest rate calculation method described above, the highest interest rate at ACB is 4.9% per year for a 12-month term if the customer deposits 5 billion VND or more.
ACB offers the lowest deposit interest rates in the market for 6-month and 12-month terms. Interest rates for other terms are also among the lowest in the market.
However, ACB also applies special interest rates for VIP customers depositing 200 billion VND or more for a 13-month term, at 6.5%/year (interest paid at the end of the term) and 6.25%/year (interest paid monthly).
Besides ACB, several other banks also apply this policy to attract "super VIP" customers.
HDBank is currently applying deposit interest rates at the counter, for 12-month and 13-month terms, of 8.2%/year and 8.6%/year respectively, for minimum deposits of VND 300 billion or more.
MSB Bank is also offering deposit interest rates of up to 9% per year at the counter for 12- and 13-month term deposits with a minimum deposit amount of VND 500 billion or more.
Also today, Bac A Commercial Joint Stock Bank ( Bac A Bank ) reduced deposit interest rates by 0.1 percentage points for terms from 1 to 5 months, and by 0.2 percentage points for terms from 6 to 13 months, and by 0.15 percentage points for terms from 15 to 36 months.
Accordingly, the interest rate for terms of 1-5 months is 4.35%/year; for terms of 6-8 months it is 5.4%/year, for terms of 9-11 months it is 5.5%/year, and for terms of 12-13 months it is 5.6%/year.
For 15-month term deposits, interest rates have decreased to 5.65% per year, while for 18-36 month terms, they have dropped to 5.95% per year.
Therefore, after this adjustment, no deposit term at Bac A Bank is listed with an interest rate above 6% per year.
Kien Long Commercial Joint Stock Bank (Kien Long Bank) also lowered deposit interest rates for long-term maturities of 18-24 months. With a reduction of 0.2 percentage points, the interest rate for these maturities has decreased to 6.2% per year.
KienLongBank maintains the same deposit interest rates for remaining terms. The interest rate for 1-2 month terms is 4.55%/year, and for 3-month terms is 4.75%/year.
Interest rates for 6-month, 9-month, and 12-month terms are 5.4%/year, 5.6%/year, and 5.7%/year, respectively. Meanwhile, the interest rate for a 15-month term is 5.8%/year.
Thus, since the beginning of November, 12 banks have reduced deposit interest rates: Sacombank, NCB, VIB, BaoVietBank, Nam A Bank, VPBank, VietBank, SHB, Techcombank, Bac A Bank, KienLongBank, and ACB.
| TABLE OF HIGHEST DEPOSIT INTEREST RATES ON NOVEMBER 8TH (%/year) | ||||||
| BANK | 1 MONTH | 3 MONTHS | 6 MONTHS | 9 MONTHS | 12 MONTHS | 18 MONTHS |
| PVCOMBANK | 3.95 | 3.95 | 6.1 | 6.1 | 6.2 | 6.5 |
| OCEANBANK | 4.6 | 4.6 | 5.8 | 5.9 | 6.1 | 6.5 |
| CBBANK | 4.2 | 4.3 | 5.7 | 5.8 | 6 | 6.1 |
| HDBANK | 4.05 | 4.05 | 5.7 | 5.5 | 5.9 | 6.5 |
| VIET A BANK | 4.5 | 4.5 | 5,6 | 5,6 | 6 | 6.3 |
| BVBANK | 4.4 | 4.7 | 5.55 | 5.65 | 5.75 | 5.75 |
| BAOVIETBANK | 4.4 | 4.75 | 5.5 | 5,6 | 5.9 | 6.2 |
| NCB | 4.45 | 4.45 | 5.5 | 5.65 | 5.8 | 6 |
| DONG A BANK | 4.5 | 4.5 | 5.5 | 5,6 | 5.85 | 5.85 |
| GPBank | 4.25 | 4.25 | 5.45 | 5.55 | 5.65 | 5.75 |
| BAC A BANK | 4.35 | 4.35 | 5.4 | 5.5 | 5,6 | 5.95 |
| KIENLONGBANK | 4.55 | 4.75 | 5.4 | 5,6 | 5.7 | 6.2 |
| VIETBANK | 3.9 | 4.1 | 5.4 | 5.5 | 5.8 | 6.4 |
| SCB | 4.5 | 4.5 | 5.35 | 5.45 | 5.65 | 5.65 |
| OCB | 4.1 | 4.25 | 5.3 | 5.4 | 5.5 | 5.9 |
| SHB | 3.5 | 3.8 | 5.2 | 5.4 | 5,6 | 6.1 |
| SAIGONBANK | 3.4 | 3.6 | 5.2 | 5.4 | 5,6 | 5,6 |
| EXIMBANK | 3.5 | 4 | 5.2 | 5.5 | 5,6 | 5.8 |
| VIB | 3.8 | 4 | 5.1 | 5.2 | 5,6 | |
| PG BANK | 3.8 | 3.8 | 5.1 | 5.3 | 5.4 | 6.2 |
| LPBANK | 3.8 | 4 | 5.1 | 5.2 | 5,6 | 6 |
| MB | 3.5 | 3.8 | 5.1 | 5.2 | 5.4 | 6.1 |
| SACOMBANK | 3.6 | 3.8 | 5 | 5.3 | 5,6 | 5.75 |
| VPBANK | 3.7 | 3.8 | 5 | 5 | 5.3 | 5.1 |
| TPBANK | 3.8 | 4 | 5 | 5 | 5.55 | 6 |
| MSB | 3.8 | 3.8 | 5 | 5.4 | 5.5 | 6.2 |
| NAMA BANK | 3.6 | 4.2 | 4.9 | 5.2 | 5.7 | 6.1 |
| ABBANK | 3.9 | 4 | 4.9 | 4.9 | 4.7 | 4.4 |
| SEABANK | 4 | 4 | 4.8 | 4.95 | 5.1 | 5.1 |
| TECHCOMBANK | 3.55 | 3.75 | 4.75 | 4.8 | 5.25 | 5.25 |
| AGRIBANK | 3.4 | 3.85 | 4.7 | 4.7 | 5.5 | 5.5 |
| VIETINBANK | 3.4 | 3.75 | 4.6 | 4.6 | 5.3 | 5.3 |
| MB | 3.2 | 3.5 | 4.4 | 4.4 | 5.3 | 5.3 |
| VIETCOMBANK | 2.8 | 3.1 | 4.1 | 4.1 | 5.1 | 5.1 |
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