Bank interest rates today December 10, 2025: After 1 year of 'sitting still', interest rates increased sharply

After months of maintaining the same deposit interest rates, Asia Commercial Bank (ACB ) has just increased its deposit interest rates again. This is ACB's first interest rate adjustment after more than a year of keeping them unchanged, since September 2024. Bac A Bank also increased its interest rates today.

According to the online savings interest rate chart recently published by ACB , savings interest rates for all terms have increased by 0.5% per year.

This bank lists tiered deposit interest rates based on deposit amounts: Below 200 million VND; from 200 million VND to less than 1 billion VND; from 1 billion VND to less than 5 billion VND; and from 5 billion VND and above.

Accordingly, the interest rates for online banking with interest paid at the end of the term, after the increase, applicable to deposit accounts under 200 million VND are as follows: 1-month term interest rate is 3.6%/year, 2-month term interest rate is 3.7%/year, 3-month term interest rate is 4%/year, 6-month term interest rate is 4.7%/year, 9-month term interest rate is 4.8%/year, and 12-month term interest rate is 5.4%/year.

Meanwhile, the deposit interest rate applied to deposit accounts from VND 200 million to less than VND 1 billion is 0.1%/year higher than the aforementioned deposit interest rate schedule.

The deposit interest rates applied to deposits from VND 1 billion to less than VND 5 billion and from VND 5 billion and above are respectively 0.15%/year and 0.2%/year higher than the rates applied to deposits under VND 200 million.

However, in addition to the listed interest rates, ACB also applies a mechanism of adding interest based on the deposit balance: 0.1%/year for deposits from VND 200 million to less than VND 1 billion; 0.15%/year for deposits from VND 1 billion to less than VND 5 billion; and 0.2%/year for deposits of VND 5 billion or more.

This means the highest possible deposit interest rate can reach 5.8% per year when customers deposit savings for a 12-month term at ACB.

ACB may not be the bank offering the highest deposit interest rates, but it is one of the few banks currently applying a special interest rate policy, with the highest rate reaching 6.3% per year if customers deposit 200 billion VND or more for a 13-month term.

Meanwhile, Bac A Bank also increased deposit interest rates by 0.2%-0.3% per year for terms of 6-36 months, following recent consecutive increases. This allows the bank to continue maintaining the highest deposit interest rates in the market.

According to the latest deposit interest rate table applied by Bac A Bank for deposits under 1 billion VND, the interest rate for 1-5 month term deposits remains at 4.55%/year; 6-11 month term increases by 0.3%/year to 6.5%/year; 12 month term increases by 0.25%/year to 6.55%/year; 13-15 month term increases by 0.2%/year to 6.6%/year; 18-36 month term increases by 0.2%/year to 6.7%/year.

The deposit interest rate applied to deposits of 1 billion VND or more is 0.2%/year higher than the interest rate schedule above.

Specifically, interest rates for deposits with terms of 1-5 months are 4.75%/year; 6-11 months are 6.7%/year; 12 months are 6.75%/year; and 13-15 months are 6.8%/year, reaching a maximum of 6.9%/year for terms of 18-36 months.

As a result, Bac A Bank continues to maintain its position as the bank with the highest deposit interest rates in the market today, not to mention that other banks also apply additional interest rate policies or special interest rates.

Since the beginning of December, seven banks have increased deposit interest rates: Techcombank , MB, NCB, BVBank, Saigonbank, ACB, and Bac A Bank. Of these, Techcombank is the only bank that has increased interest rates twice.

ONLINE DEPOSIT INTEREST RATE TABLE AT BANKS ON DECEMBER 10, 2025 (%/YEAR)
BANK	1 MONTH	3 MONTHS	6 MONTHS	9 MONTHS	12 MONTHS	18 MONTHS
AGRIBANK	2.4	3	3.7	3.7	4.8	4.8
BIDV	2	2.3	3.3	3.3	4.7	4.7
VIETINBANK	2.4	2.8	3.9	3.9	4.7	4.7
VIETCOMBANK	1.6	1.9	2.9	2.9	4.6	4.6
ABBANK	3.1	3.8	5.3	5.4	5,6	5.4
ACB	3.6	4	4.7	4.8	5.4
BAC A BANK	4.55	4.55	6.5	6.5	6.55	6.7
BAOVIETBANK	4.5	4.65	5.65	5.5	5.8	5.9
BVBANK	4.4	4.7	5.5	5.7	5.8	5.95
EXIMBANK	4.3	4.5	4.9	4.9	5.2	5.7
GPBANK	3.9	4	5.55	5.65	5.85	5.85
HDBANK	4.2	4.3	5.5	5.3	5.8	6.1
KIENLONGBANK	3.9	3.9	5.3	5.1	5.5	5.45
LPBANK	3.9	4.2	5,6	5,6	5.65	5.65
MB	4.5	4.65	5.3	5.3	5.35	5.5
MBV	4.6	4.75	5.7	5.7	6	6
MSB	3.9	3.9	5	5	5,6	5,6
NAM A BANK	4.6	4.75	5.7	5,6	5.7	5.9
NCB	4.5	4.7	5.95	5.9	5.9	5.7
OCB	4.45	4.5	5.45	5.45	5.55	6
PGBANK	3.4	3.8	5	4.9	5.4	5.8
PVCOMBANK	3.8	4.1	5	5.2	5,6	6.3
SACOMBANK	4	4.2	5	5.1	5.3	5.5
SAIGONBANK	3.8	4	5	5.1	5.8	6
SCB	1.6	1.9	2.9	2.9	3.7	3.9
SEABANK	2.95	3.45	3.95	4.15	4.7	5.45
SHB	4.1	4.15	5.2	5.3	5.4	5,6
TECHCOMBANK	4.35	4.65	5.85	5.85	5.95	5.95
TPBANK	3.9	4.2	5.1	5.3	5.5	5.7
VCBNEO	4.35	4.55	6.2	5.45	6.2	6.2
VIB	4	4.75	5	5	5.5	5.5
VIET A BANK	3.7	4	5.1	5.3	5,6	5.8
VIETBANK	4.1	4.4	5.4	5.4	5.8	5.9
VIKKI BANK	4.7	4.7	6.1	6.2	6.3	6.4
VPBANK	4.4	4.75	6	6	6	6