The Vietnam Bank for Agriculture and Rural Development ( Agribank ) has just adjusted the interest rates for deposits with terms from 3-9 months up and reduced the interest rates for terms from 12-36 months from today.

According to the online deposit interest rate table, the term of 1-2 months is kept at 2.4%/year.

Meanwhile, bank interest rates for terms from 3-5 months increased by 0.1%/year to 3%/year. Bank interest rates for terms from 6-9 months increased by 0.1%/year to 3.7%/year.

On the contrary, Agribank reduced interest rates by 0.1%/year for terms from 12-36 months, 12-18 month term is 4.7%/year, 24-36 month term is 4.8%/year.

Among the group of 4 state-owned commercial banks (Agribank, BIDV, VietinBank, and Vietcombank - the big 4 group), Agribank regularly updates new interest rates more often. The last time Agribank adjusted interest rates was on November 15, 2024.

Meanwhile, the last time BIDV adjusted interest rates was on July 22, 2024, and for VietinBank it was on June 3, 2024. Even the last time Vietcombank adjusted interest rates was on April 1, 2024.

The difference in interest rates for deposits with terms under 12 months between Agribank and the other 3 banks in the big 4 group is getting bigger.

Currently, the online deposit interest rate for 1-2 month terms at Agribank is 0.4%/year higher than BIDV and VietinBank, and up to 0.8%/year higher than the interest rate listed by Vietcombank.

Interest rate chart at 4 state-owned commercial banks on January 3, 2025.

Interest rates for 3-5 month terms at Agribank are also 0.3%/year higher than BIDV and Vietinbank, and 0.4%/year higher than Vietcombank.

With deposit terms of 6-9 months, Agribank's interest rate is 0.4%/year higher than BIDV and VietinBank, and up to 0.8%/year higher than Vietcombank.

For 12-18 month term, Vietcombank's interest rate is 0.1%/year lower than the other 3 banks.

With 5%/year, VietinBank is leading the big4 group in terms of 24-36 month deposit interest rates. This interest rate is 0.1% and 0.2%/year higher than BIDV and Agribank respectively, and 0.3%/year higher than Vietcombank.

In the first month of the new year 2025, 4 banks increased their deposit interest rates, including: Agribank, Bac A Bank, NCB, MBV. However, NCB and Agribank also reduced interest rates for terms of 12-36 months. ABBank and SeABank also reduced interest rates.

HIGHEST DEPOSITS INTEREST RATES AT BANKS ON JANUARY 3, 2025 (%/YEAR)
BANK 1 MONTH 3 MONTHS 6 MONTHS 9 MONTHS 12 MONTHS 18 MONTHS
AGRIBANK 2.4 3 3.7 3.7 4.7 4.7
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 3.8 5.6 5.7 5.9 5.6
ACB 3.1 3.5 4.2 4.3 4.9
BAC A BANK 3.9 4.2 5.35 5.45 5.8 6.2
BAOVIETBANK 3.3 4.35 5.2 5.4 5.8 6
BVBANK 3.9 4.05 5.4 5.7 6 6.3
CBBANK 4.15 4.35 5.85 5.8 6 6
DONG A BANK 4.1 4.3 5.55 5.7 5.8 6.1
EXIMBANK 3.9 4.3 5.2 4.5 5.2 5.8
GPBANK 3.5 4.02 5.35 5.7 6.05 6.15
HDBANK 3.85 3.95 5.3 4.7 5.6 6.1
IVB 4 4.35 5.35 5.35 5.95 6.05
KIENLONGBANK 3.9 3.9 5.4 5.3 5.7 5.7
LPBANK 3.6 3.9 5.1 5.1 5.5 5.8
MB 3.7 4 4.6 4.6 5.1 5.1
MSB 4.1 4.1 5 5 6.3 5.8
NAM A BANK 4.5 4.7 5 5.2 5.6 5.7
NCB 4.1 4.4 5.45 5.55 5.7 5.7
OCB 4 4.2 5.2 5.2 5.3 5.5
OCEANBANK 4.3 4.6 5.5 5.6 5.8 6.1
PGBANK 3.4 3.8 5 5 5.5 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 5.8 6
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 5 5.1 5.5 5.8
TECHCOMBANK 3.55 3.75 4.55 4.55 4.85 4.85
TPBANK 3.7 4 4.8 5.3 5.5
VIB 3.8 3.9 4.9 4.9 5.3
VIET A BANK 3.7 4 5.2 5.4 5.7 5.9
VIETBANK 3.9 4.1 5.2 5 5.6 5.9
VPBANK 3.8 4 5 5 5.5 5.5
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