Bank interest rates today October 13, 2025: Term under 6 months hits ceiling

This is the second consecutive time in less than a month that this bank has adjusted its interest rates up. Previously, on September 26, Bac A Bank's interest rates increased by 0.1-0.2%/year for deposit terms from 1-11 months.

According to the latest deposit interest rate table posted by Bac A Bank for deposit accounts with balances under 1 billion VND, the interest rate for 1-2 month terms increased by 0.2%/year to 4.2%/year; the 3 month term increased by 0.25%/year to 4.55%/year.

Meanwhile, in the latest interest rate adjustment, deposit interest rates were adjusted up for short terms.

According to the latest deposit interest rate table posted by Bac A Bank for deposit accounts with balances under 1 billion VND , the interest rate for 1-2 month terms increased by 0.2%/year to 4.2%/year; the 3 month term increased by 0.25%/year to 4.55%/year.

Savings interest rates for 4-5 month terms are listed at 4.55%/year, after increasing by 0.15%/year and 0.05%/year respectively.

Meanwhile, the interest rate for savings with terms from 6 to 36 months remains unchanged. The interest rate for 6-8 months for deposit accounts under 1 billion VND is 5.4%/year; 9-11 months is 5.45%/year; 12 months is 5.5%/year; 13-15 months is 5.6%/year and 18-36 months is 5.8%/year.

Notably, Bac A Bank became the first bank to list its deposit interest rate at the ceiling of 4.75%/year after just increasing deposit interest rates for 3-5 month terms.

With increases of 0.25%, 0.15% and 0.05% per year, respectively, the interest rates for 3-month, 4-month and 5-month terms for deposit accounts from 1 billion VND at Bac A Bank officially reached 4.75% per year. This is also the ceiling interest rate according to Decision No. 2411 of the State Bank for interest rates for deposits with terms of less than 6 months at credit institutions from November 2023 to present.

Thus, Bac A Bank is the bank that announced the highest interest rate for deposits with terms of less than 6 months at present.

The interest rate adjustment applied by Bac A Bank is similar to the interest rate schedule for deposit accounts from 1 billion VND or more .

Accordingly, the interest rate for 1-2 month term deposits increased by 0.2%/year to 4.4%/year.

The bank keeps the interest rate for deposits with terms from 6-36 months unchanged with the interest rate schedule applied to deposits from 1 billion VND or more. Accordingly, the interest rate for deposits with terms of 6-8 months is 5.6%/year; for terms of 9-11 months is 5.65%/year; for terms of 12 months is 5.7%/year; for terms of 13-15 months is 5.8%/year.

Notably, the interest rate for 18-36 month term deposits listed by Bac A Bank is up to 6%/year.

After a series of banks gave additional interest rates to depositors as an unofficial way to increase interest rates, from the beginning of October until now, three domestic banks have officially increased deposit interest rates through adjusting interest rate schedules, including: GPBank, Vikki Bank and Bac A Bank.

INTEREST RATE TABLE FOR ONLINE DEPOSITS OF BANKS ON OCTOBER 13, 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	2.3	3.3	3.3	4.7	4.7
VIETCOMBANK	1.6	1.9	1.9	1.9	4.6	4.6
ABBANK	3.1	3.8	5.3	5.4	5.6	5.4
ACB	3.1	3.5	4.2	4.3	4.9
BAC A BANK	4.2	4.55	5.4	5.45	5.5	5.8
BAOVIETBANK	3.5	4.35	5.45	5.5	5.8	5.9
BVBANK	3.95	4.15	5.15	5.3	5.6	5.9
EXIMBANK	4.3	4.5	4.9	4.9	5.2	5.7
GPBANK	3.8	3.9	5.35	5.45	5.65	5.65
HDBANK	3.85	3.95	5.3	5.3	5.6	6.1
KIENLONGBANK	3.7	3.7	5.1	5.2	5.5	5.45
LPBANK	3.6	3.9	5.1	5.1	5.4	5.4
MB	3.5	3.8	4.4	4.4	4.9	4.9
MBV	4.1	4.4	5.5	5.6	5.8	5.9
MSB	3.9	3.9	5	5	5.6	5.6
NAM A BANK	3.8	4	4.9	5.2	5.5	5.6
NCB	4	4.2	5.35	5.45	5.6	5.6
OCB	3.9	4.1	5	5	5.1	5.2
PGBANK	3.4	3.8	5	4.9	5.4	5.8
PVCOMBANK	3.3	3.6	4.5	4.7	5.1	5.8
SACOMBANK	3.6	3.9	4.8	4.8	5.3	5.5
SAIGONBANK	3.3	3.6	4.8	4.9	5.6	5.8
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	3.5	3.8	4.9	5	5.3	5.5
TECHCOMBANK	3.45	4.25	5.15	4.65	5.35	4.85
TPBANK	3.7	4	4.9	5	5.3	5.6
VCBNEO	4.35	4.55	5.6	5.45	5.5	5.55
VIB	3.7	3.8	4.7	4.7	4.9	5.2
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	4.35	4.45	6	6	6.2	6.2
VPBANK	3.7	3.8	4.7	4.7	5.2	5.2