National Citizen Commercial Joint Stock Bank (NCB) has just become one of the few banks to adjust deposit interest rates in June after changing the deposit interest rate schedule for savings products.

Accordingly, NCB simultaneously reduced 0.1%/year interest rates for traditional savings products and An Khang term deposits with terms of 1-36 months; at the same time reduced 0.1%/year listed interest rates for An Phat Loc deposit certificates with terms of 18 months, 24 months and 84 months with the method of receiving interest every 6 months.

In addition, NCB simultaneously increased the interest rate by 0.1%/year for An Phu Savings products, with terms from 1-60 months.

According to the savings interest rate table for the Traditional Savings product and An Khang term deposit, interest received at the end of the term, just announced by NCB after a downward adjustment, the interest rate for a 1-month term is 3.7%/year; for a 2-month term is 3.8%/year; for a 3-month term is 3.9%/year; for a 4-month term is 4%/year and the latest 5-month term is 4.1%/year.

Also with the above savings product, the interest rate for 6-7 month term savings is reduced to 4.95%/year; the interest rate for 8 and 9 month terms is reduced to 5% and 5.05%/year respectively after a reduction of 0.1%/year.

The 10- and 11-month interest rates of this deposit product are 5.2% and 5.25% per year, respectively.

The remaining bank interest rates for terms from 12-60 months have all decreased to 5.3%/year.

For An Phat Loc deposit certificates, deposit interest rates for terms of 18 months, 24 months and 84 months are reduced by 0.1%/year to 5.95%/year if customers choose the 6-month interest calculation method.

Meanwhile, interest rates for 24 and 84-month terms remain at 6.3%/year with a 12-month interest payment method. This is also the highest deposit interest rate at NCB.

NCB said that the listed interest rate of An Phat Loc deposit certificates will be periodically adjusted on the first day of each interest payment period.

In contrast to the move to reduce bank interest rates for the two deposit products mentioned above, NCB increased interest rates for An Phu Savings products, with terms from 1-60 months, with a uniform increase of 0.1%/year.

According to the interest rate table for this product, the interest rate for a 1-month term is 3.8%/year; for a 2-month term is 3.9%/year; for a 3-month term is 4%/year; for a 4-month term is 4.1%/year and for a 5-month term is 4.2%/year.

Savings interest rates for 6-7 month terms increased to 5.05%/year, 8 month term is 5.1%/year, 9 month term is 5.15%/year, 10 month term is 5.3%/year and 11 month term is 5.35%/year.

The 12-month savings interest rate is 5.3%/year, the interest rates for terms from 13-60 months are all listed at 5.4%/year.

While adjusting the interest rates for the above 3 deposit products, NCB still maintains the interest rates for the remaining deposit products.

The highest online savings interest rate at NCB is 5.6%/year, applied to deposits with terms from 12 to 60 months.

With the interest rate of savings at the counter, traditional savings products are 0.1%/year lower for each corresponding term compared to the above online savings interest rate table.

Thus, from the beginning of June until now, 6 banks have adjusted interest rates including: HDBank and GPBank increased deposit interest rates; LPBank, Bac A Bank and VPBank reduced deposit interest rates.

Meanwhile, NCB alternately adjusted interest rates up and down on a number of different deposit products.

INTEREST RATE TABLE FOR ONLINE DEPOSITS OF BANKS ON JUNE 26, 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 3.9 4.2 5.35 5.45 5.6 5.9
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 3.25 3.55 4.55 4.55 4.75 4.75
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-26-6-2025-them-ngan-hang-dieu-chinh-lai-huy-dong-2415132.html