Bank interest rates today February 7, 2025: More banks adjust interest rates

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