Bank interest rates today 7/25/2025: Increase in long-term deposit interest rates

Vietnam Export Import Commercial Joint Stock Bank (Eximbank) has just adjusted the interest rate for all savings products with terms from 12 months. This is the third consecutive time that the bank has increased interest rates in the last 3 months.

Accordingly, Eximbank increased bank interest rates by 0.1%/year, applied to terms of 12 months or more, for all deposit products.

The interest rate on savings deposits at the counter for individual customers increased by 0.1%/year for terms from 12-60 months. Currently, the interest rate on deposits with terms of 12-15 months with interest paid at the end of the term is 5%/year, while the interest rate on deposits with terms of 18-60 months is 5.5%/year.

Bank interest rates applied to the “Long-term peace of mind” deposit product, interest paid at the end of the term, 15-month term increased by 0.1%/year to 5.1%/year; 18-24-month term also increased by 0.1%/year to 5.6%/year.

However, the 36-month bank interest rate decreased by 0.1%/year to 5.6%/year.

For the deposit product “Prosperity Savings 50+” (for individual customers over 50 years old who deposit at the counter), the interest rate for 12-month term deposits also increased by 0.1%/year to 5.2%/year, while the interest rate for 1-11-month terms remains the same.

Eximbank also increased the savings interest rate for "Optional Term" by 0.1%/year for terms of 12 months or more.

Accordingly, the interest rate for 12-16 month savings with interest paid at the end of the term is 5%/year; the highest interest rate for 18-37 month savings is up to 5.5%/year.

Interest rates applied to customers with "Combo Casa" (customers paying combo casa fees, VIP customers, priority customers) also increased by 0.1%/year for deposits with terms of 12-36 months.

Accordingly, the listed interest rate for Silver is currently equal to the regular savings interest rate at the counter, the 12-15 month term increases to 5%/year; the 18-36 month term increases to 5.5%/year.

For deposit interest rates applied to Gold, Platinum and Infinite customers, interest rates only increase by 0.1%/year for terms of 12-15 months.

Specifically, for Gold class, the listed interest rate applied for the above term is 5.4%/year; Platinum class increases to 5.5%/year; Infinite class is 5.6%/year.

Eximbank is a rare bank that lists an over-the-counter interest rate of 6%/year. This highest interest rate applies to 18-36 month terms, for Infinite customers.

Similar to the above-mentioned counter savings products, Eximbank also increased online deposit interest rates by 0.1%/year for terms from 12-36 months.

For online interest rates from Monday to Friday, the interest rate for 12-15 month term with interest paid at the end of the term increases to 5.2%/year; the interest rate for 18-36 month term increases to 5.7%/year.

Eximbank keeps interest rates for short terms unchanged: 1-2 month term 4.3%/year; 3-5 month term 4.5%/year; 6-9 month term 4.9%/year.

Online deposit interest rates on weekends (Saturday, Sunday), paid at the end of the term, are as follows: 1-2 month term is 4.6%/year; 3-5 month term is 4.7%/year; 6-9 month term is 5.4%/year; 12-15 month term is 5.3%/year and 18-36 month term is 5.8%/year.

With the online deposit interest rates applied for the two weekends as above, Eximbank is currently the bank listing the highest deposit interest rates in the market for terms under 6 months.

Not only increasing interest rates for terms of 12 months or more for individual customers' deposits, Eximbank also increased 0.1%/year interest rates for terms of 12 months or more for corporate customers.

Currently, bank interest rates applied to corporate customers when depositing money online, receiving interest at the end of the term, are as follows: Term 1-2 months is 4.3%/year; Term 3-5 months is 4.5%/year; Term 6-11 months is 4.9%/year; Term 12-15 months is 5.2%/year; Term 18-36 months is 5.7%/year.

For all deposit products, the interest rate for deposits with interest paid at the end of the term is always listed by Eximbank as 0.2%/year higher than the interest rate for deposits with interest paid monthly.

Eximbank is the fourth bank to increase deposit interest rates since the beginning of July, along with VCBNeo, VPBank, and Techcombank. During the same period, three banks reduced deposit interest rates, including Bac A Bank , VIB, and BaoViet Bank.

INTEREST RATES FOR ONLINE DEPOSITS AT BANKS ON JULY 25, 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	3.8	4.1	5.25	5.35	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	3.95	4.05	5.65	5.75	5.95	5.95
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	3.3	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	3.45	3.75	4.65	4.65	4.85	4.85
TPBANK	3.5	3.8	4.8	4.9	5.2	5.5
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	4.15	4.35	5.65	5.65	5.95	6
VPBANK	3.7	3.8	4.7	4.7	5.2	5.2