Bank interest rates today May 15, 2025: Banks...

Asia Commercial Joint Stock Bank ( ACB ) is maintaining a tiered interest rate policy for depositors with 4 different interest rate schedules for 4 deposit levels.

According to the term deposit interest rate table for individual customers who deposit savings at the counter and receive interest at the end of the term, applicable to deposit accounts under 200 million VND, the 1-month term bank interest rate announced by ACB is only 2.3%/year.

The 2-month term bank interest rate applied by ACB is 2.5%/year, while the 3-month term bank interest rate is only 2.7%/year.

Bank interest rates for 4 and 5 month terms are listed at 2.9%/year and 3.1%/year, respectively.

This is the lowest deposit interest rate on the market today, only higher than the deposit interest rates announced by SCB and the Big4 banking group.

Meanwhile, ACB also listed 6- and 9-month deposit interest rates at 3.5% and 3.7% per year, respectively, among the lowest interest rates on the market.

The 12-month deposit interest rate announced by ACB is 4.4%/year, while the highest deposit interest rate is only 4.5%/year, applied to deposit terms from 13-36 months.

Thus, the interest rates for deposits with terms from 12-36 months mentioned above at ACB are even lower than the interest rates for the same term at the Big4 banking group.

However, ACB is one of the few banks that announced a tiered deposit interest rate policy in the form of bonus interest rates for different deposit levels.

Accordingly, ACB's mobilization interest rate will be increased by 0.1%/year (term 1-36 months) compared to the above interest rate table when customers deposit savings from 200 million VND to less than 1 billion VND.

For deposits from 1 billion VND to less than 5 billion VND, the savings interest rate will be added 0.15%/year (term 1-36 months) compared to the savings interest rate table applied to deposit accounts under 200 million VND.

If the deposit value is from 5 billion VND or more, the highest bonus interest rate of term deposits at ACB is 0.5%/year (term 1-36 months) compared to the interest rate table for deposits under 200 million VND.

With the above interest rate policy, the highest interest rate for individual customers depositing savings at ACB counters is 5%/year, with the condition that the deposit is from 5 billion VND or more, with terms from 13-36 months.

ACB also has a “special interest rate” policy for VIP customers. Accordingly, the special interest rate announced by the bank is 6%/year when customers deposit savings for a 13-month term, receive interest at the end of the term, with a deposit balance of VND 200 billion (while the mobilization interest rate for regular customers ranges from 4.5-5%/year).

In case VIP customers want to receive interest at the beginning of the period, ACB will pay a "special interest rate" of 5.9%/year (normal interest rate is 4.35-4.85%/year for customers depositing an amount less than or equal to 5 billion VND).

It can be seen that, even if adding a ladder interest rate or applying a “special interest rate”, the mobilization interest rate applied by ACB is still at the bottom of the ranking of banks paying the highest mobilization interest rates. In terms of “special interest rates”, banks are pleasing VIP customers with interest rates ranging from 7.7% to 9.65%/year.

For online deposit interest rates, ACB also classifies interest rates into 4 different deposit groups, applicable to deposits under 200 million VND, from 200 million to under 1 billion VND, from 1 billion to under 5 billion VND and from 5 billion VND or more.

ACB is a rare bank that did not reduce deposit interest rates after the direction of the Prime Minister and the State Bank in February 2025. The last time this bank changed its deposit interest rate schedule was on September 18, 2024, when it increased the 6-month term interest rate by 0.05%/year and the remaining terms by 0.1%/year.

Today, May 15, no bank continues to adjust deposit interest rates. Since the beginning of May, only 2 banks have reduced deposit interest rates (MB, Eximbank) and 2 banks have increased deposit interest rates (Techcombank, Bac A Bank ).

INTEREST RATE TABLE FOR ONLINE DEPOSITS OF BANKS ON MAY 15, 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	2.9	2.9	4.6	4.6
ABBANK	3.2	3.9	5.4	5.5	5.7	5.5
ACB	3.1	3.5	4.2	4.3	4.9
BAC A BANK	3.9	4.2	5.35	5.45	5.7	6
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	4.1	5.1	5.1	5.3	5.6
GPBANK	3.75	3.85	5.65	5.75	5.95	5.95
HDBANK	3.85	3.95	5.3	4.7	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	5.6
MB	3.7	4	4.6	4.6	5	5
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	3.3	3.6	4.9	4.9	5.4	5.6
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	3.25	3.55	4.55	4.55	4.75	4.75
TPBANK	3.5	3.8	4.8	4.9	5.2	5.5
VCBNEO	4.15	4.35	5.4	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	4.15	4.35	5.65	5.95	6	6
VPBANK	3.7	3.9	4.8	4.8	5.3	5.3