According to an announcement from Nam A Commercial Bank (Nam A Bank), the bank will issue VND certificates of deposit in the second phase of 2025.

The total issuance value is VND 1 trillion, with each certificate having a face value of VND 10 million. Customers must purchase a minimum of VND 100 million or more, with larger amounts being multiples of VND 10 million. The minimum value of a certificate of deposit issued per customer is VND 100 million.

The issuance period is from October 20, 2025 to January 20, 2026, or until the full face value is issued before the deadline. Eligible buyers of certificates of deposit are organizations and individuals nationwide.

The terms for certificates of deposit are 6 months, 9 months, 12 months, 15 months, and 18 months, with the following bank interest rates applied for customers receiving interest at the end of the term:

Interest rates for term deposits are as follows: 6-month term: 6%/year (monthly interest rate 5.92%/year); 9-month term: 6.3%/year (monthly interest rate 6.17%/year); 12-month term: 6.4%/year (monthly interest rate 6.21%/year); 15-month term: 6.5%/year (monthly interest rate 6.26%/year).

Nam A Bank offers the highest deposit interest rate for certificates of deposit, reaching 6.7% per year for an 18-month term with interest paid at maturity, while the interest rate for customers receiving interest monthly is also as high as 6.4% per year.

The interest rate for the second round of Nam A Bank's certificates of deposit is still lower than the interest rate announced in the first round in September. However, the first round's certificates of deposit have a term of up to 6 years, and this is the only term available.

Previously, Nam A Bank issued long-term certificates of deposit (6-year term) in the first tranche of 2025 to supplement Tier 2 capital and restructure its funding sources. The issuance period was from September 13 to December 13, 2025, or until the full face value was issued.

Notably, Nam A Bank announced the method for calculating interest on certificates of deposit = (equals) the listed interest rate for regular savings deposits applicable to deposits of VND 500 billion or more, term of 24 months, interest paid at the end of the term, which is still in effect on the first day of the interest rate application period + (plus) a margin of 1%/year.

According to the standard savings interest rate schedule for 24-month terms currently listed by Nam A Bank, for deposits of 500 million VND or more, the applicable interest rate is 6% per year.

Thus, Nam A Bank's certificate of deposit interest rate reaches 7% per year, significantly higher than the average savings interest rates currently offered by other banks.

According to Nam A Bank's announcement, individual customers must maintain a non-term deposit account with a minimum balance equal to 50% of the face value of the certificate they intend to purchase, and commit to maintaining this balance for 6 months from the date of issuance. Each certificate of deposit is linked to a non-term savings account.

Institutional clients are required to maintain an average balance in their demand deposits for six consecutive months equal to at least 20% of the face value of the certificates they intend to purchase.

ONLINE DEPOSIT INTEREST RATES AT BANKS ON OCTOBER 23, 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
MB 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 4.2 4.55 5,6 5.65 5.8 6.1
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 4.05 4.15 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 4.1 4.3 5.45 5.55 5.7 5.7
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 5.9 5.45 5.8 5.8
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 4 4.1 5 5 5.2 5.2

Source: https://vietnamnet.vn/lai-suat-ngan-hang-hom-nay-23-10-2025-huy-dong-von-lai-suat-len-toi-6-7-nam-2455523.html