Vietcombank , one of the leading commercial banks in Vietnam, continues to maintain stable Vietcombank interest rates in July 2025, especially at 4.7%/year for long terms from 24 to 60 months. This not only affirms Vietcombank's solid position but also provides an attractive option for individuals and organizations with idle funds, wishing to find a safe and effective investment channel in the long term.
Vietcombank interest rates in July 2025 for individual customers
According to updated information, Vietcombank's interest rates for individual customers depositing money at the counter in July 2025 show stability in terms. specific:
Non-term term: Non-term deposit interest rate remains at 0.1%/year.
Short term (under 6 months): 7-day, 14-day, 1-month and 2-month terms have interest rates of 0.2%/year and 1.6%/year respectively. 3-month terms have slightly higher interest rates of 1.9%/year. These are suitable options for those who need flexibility in withdrawing money.
Medium term (6-12 months): Interest rates for 6-month and 9-month deposits are listed at 2.9%/year. For 12-month terms, Vietcombank's interest rate is 4.6%/year, quite competitive compared to shorter terms.
Long term (24-60 months): This is the highlight when Vietcombank's interest rates for terms from 24 months to 60 months are kept at 4.7%/year. This interest rate is considered attractive, especially in the context of the market's many fluctuations, creating favorable conditions for long-term asset accumulation.
Practical example: If you deposit 100 million VND for a 24-month term at Vietcombank with an interest rate of 4.7%/year, the interest you receive after 2 years will be: 100,000,000 VND x 4.7% x 2 = 9,400,000 VND. This is a profit worth considering for idle money.
Deposit interest rates for institutional customers
For institutional customers, Vietcombank's interest rates are also flexibly adjusted, but the highest rate is usually lower than that of individual customers. specific, for terms from 24 to 60 months, businesses depositing money at Vietcombank enjoy an interest rate of 4.2%/year, the highest rate in the range applied to institutional customers. The interest rate on non-term deposits for organizations remains at a minimum of 0.2%/year.
Investment comparison and advice
While some other banks may slightly adjust their deposit interest rates, Vietcombank has chosen to maintain the current interest rates, especially for long-term terms. This shows the stability of the bank's financial policy and may be a good signal for investors who prioritize safety and stability.
With Vietcombank's interest rate of 4.7%/year for long term, this is a good opportunity to:
Long-term savings: If you have financial plans for the future such as buying a house, buying a car, or preparing for your children'seducation , long-term savings at Vietcombank can help you achieve your goals with stable profits.
Diversify your investment portfolio: Besides other investment channels such as stocks and real estate, saving at Vietcombank is a safe channel that helps balance the risks in your investment portfolio.
Financial experts recommend that before making a decision to deposit savings, customers should carefully study the detailed Vietcombank interest rate table for each term, as well as consider their capital needs to choose the most suitable term and form of deposit. In addition, consulting with bank specialists will also help you have a more comprehensive view of existing products and services.
Source: https://baodanang.vn/lai-suat-ngan-hang-vietcombank-thang-7-2025-giu-vung-lai-suat-4-7-nam-co-hoi-vang-gui-tiet-kiem-dai-han-3265157.html
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