Bac A Commercial Joint Stock Bank ( Bac A Bank ) has just announced a reduction in deposit interest rates starting today (July 2), a reduction of 0.1%/year, applied to all terms from 1-36 months.
With the new interest rate schedule, Bac A Bank listed interest rates for deposits under 1 billion VND as follows: 1-2 month term reduced to 3.8%/year, 3 month term reduced to 4.1%/year, 4 month term reduced to 4.2%/year and 5 month term reduced to 4.3%/year.
However, Bac A Bank is still among the few banks maintaining deposit interest rates above 4%/year for some terms under 6 months.
In addition, banks are maintaining deposit interest rates above 4%/year for some terms under 6 months including: BaoViet Bank, BVBank, Eximbank, GPBank, MBV, Nam A Bank, NCB, OCB , VCBNeo, VietBank and Vikki Bank.
In particular, banks listed interest rates from 4%-4.5%/year for all terms from 1-5 months including: Eximbank, MBV, NCB, VCBNeo, VietBank and Vikki Bank.
Returning to the latest savings interest rate table of Bac A Bank, when depositing less than 1 billion VND, the interest rates for terms from 6-36 months after decreasing by 0.1%/year are as follows: 6-8 month term is 5.25%/year, 9-11 month term is 5.35%/year, 12 month term is 5.5%/year and 13-15 month term is 5.6%/year.
The highest savings interest rate for deposits under 1 billion VND at Bac A Bank is 5.8%/year, applied for terms from 18 to 36 months.
For deposit accounts from 1 billion VND or more , Bac A Bank also simultaneously reduced interest rates for terms from 1-36 months with a reduction of 0.1%/year.
Compared to the deposit interest rate table applied to deposit accounts under 1 billion VND, the deposit interest rate applied to deposit accounts from 1 billion VND or more is 0.2% higher per year.
specifically, the latest bank interest rate for 1-2 month terms is 4%/year; 3 month term is 4.3%/year, 4 month term is 4.4%/year and 5 month term is 4.5%/year. The latest interest rate for 6-8 month terms is 5.45%/year, 9-11 month term is 5.55%/year.
Bac A Bank listed the latest 12-month deposit interest rate at 5.7%/year, while the 13-15 month term is 5.8%/year.
The highest interest rate for deposits from 1 billion VND is listed by Bac A Bank at 6%/year with terms from 18-36 months.
Thus, despite the downward adjustment, Bac A Bank is still one of the few banks maintaining a deposit interest rate of 6%/year, alongside Vikki Bank and HDBank .
If in June, the deposit interest rate market was quiet when only 5 banks adjusted, then in the first two days of July, 2 banks announced changes in deposit interest rates. Of which, Techcombank adjusted the deposit interest rate up, with an increase of 0.1-0.2%/year for terms from 1-36 months.
INTEREST RATE TABLE FOR ONLINE DEPOSITS OF BANKS ON JULY 2, 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 | 5.35 | 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 | 5.1 | 5.6 |
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 | 4.15 | 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 | 5.65 | 5.95 | 6 |
VPBANK | 3.6 | 3.7 | 4.6 | 4.6 | 5.1 | 5.1 |
Source: https://vietnamnet.vn/lai-suat-ngan-hang-hom-nay-2-7-2025-nha-bang-giam-0-1-nam-2417303.html
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