In this adjustment,OCB increased the interest rate for 1-4 month term deposits by 0.3%/year; increased the interest rate for 5 month term deposits by 0.15%/year; increased the interest rate for 6-15 month term deposits by 0.3%/year; increased the interest rate for 18-24 month term deposits by 0.4%/year and increased the interest rate for 36 month term deposits by 0.3%/year.

According to the online interest rate table for deposits under 100 million VND that has just been listed by OCB, the bank interest rate for a 1-month term is up to 4.2%/year, a 2-month term is 4.3%/year, a 3-4 month term is 4.4%/year and a 5-month term is 4.65%/year.

Bank interest rates for 6-11 month terms increased to 5.3%/year, 12-15 month terms to 5.4%/year, 18 month terms to 5.6%/year, 21 month terms to 5.7%/year, 24 month terms to 5.8%/year and the latest 36 month term to 5.9%/year.

OCB pays savings interest rates on a tiered basis for deposit accounts under VND100 million, from VND100 million to under VND500 million and from VND500 million or more.

Compared to deposit interest rates applied to deposit accounts under 100 million VND, the difference is from 0.05-0.4%/year depending on the term.

Specifically, the online interest rate for deposits with interest paid at the end of the term applies to deposits from 100 million VND to less than 500 million VND as follows: 1-2 month term is 4.45%/year, 3 month term is 4.5%/year, 4 month term is 4.6%/year, 5 month term is 4.7%/year, 6-11 month term is 5.45%/year, 12 month term is 5.55%/year.

OCB has listed the interest rate for 13-36 month term deposits at 6%/year, making it one of the few banks to list this interest rate for term deposits under 18 months.

For deposit accounts of 500 million VND or more , the interest rate for 1-2 month terms is listed by OCB at 4.5%/year, 3, 4, 5 month terms are listed at 4.55%, 4.65% and 4.75%/year respectively.

Thus, along with Techcombank, MBV, Nam A Bank, VIB, and Bac A Bank , OCB is one of the banks listing a ceiling interest rate of 4.75%/year for term deposits under 6 months.

The interest rate of 5.5%/year is listed by OCB for 6-11 month term deposits with deposit amount from 500 million VND, while the 12 month term has a new interest rate of 5.6%/year.

OCB's highest listed interest rate is up to 6.2%/year, applied for terms from 13-36 months with deposits from 500 million VND.

Notably, OCB offers preferential interest rates for counter deposits with interest rates up to 6.1%/year for 6-month term and 6.2%/year for 12-month term - among the highest counter interest rates on the market today.

INTEREST RATE TABLE FOR ONLINE DEPOSITS AT BANKS ON NOVEMBER 20, 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 3.1 3.8 5.3 5.4 5.6 5.4
ACB 3.1 3.5 4.2 4.3 4.9
BAC A BANK 4.55 4.55 6.2 6.25 6.3 6.5
BAOVIETBANK 4 4.45 5.45 5.5 5.8 5.9
BVBANK 4.3 4.5 5.3 5.3 5.6 5.9
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 5.3 5.3 5.2 5.5
MB 3.9 4.2 4.9 4.9 5.2 5.3
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 4.3 4.5 5.75 5.75 5.8 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 3.3 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 4.1 4.15 5.2 5.3 5.4 5.6
TECHCOMBANK 3.95 4.75 5.45 4.95 5.75 5.25
TPBANK 3.9 4.2 5.1 5.3 5.5 5.7
VCBNEO 4.35 4.55 5.9 5.45 5.8 5.8
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 4.3 4.4 5.3 5.3 5.5 5.5

Source: https://vietnamnet.vn/lai-suat-ngan-hang-hom-nay-20-11-2025-them-nha-bang-tang-lai-suat-2464582.html