Recently, Nam A Bank announced the issuance of VND deposit certificates for the second phase in 2025 with a total value of VND 1,000 billion. The product is available to customers who buy at least 100 million VND, the issuance period lasts from October 20, 2025 to January 20, 2026.
The deposit certificate is designed for terms of 6, 9, 12, 15 and 18 months, applying the form of interest paid at the end of the term. The 6-month term has an interest rate of 6%/year (month interest rate of 5.92%/year); the 9-month term is 6.3%/year (month interest rate of 6.17%/year); the 12-month term is 6.4%/year (month interest rate of 6.21%/year); the 15-month term is 6.5%/year (month interest rate of 6.26%/year); and the 18-month term is 6.7%/year (month interest rate of 6.4%/year).
In addition, Viet A Bank also recorded the highest interest rate of up to 6.8%/year for Dac Tai Savings products, with a term of 18 months. The product requires a minimum deposit of 100 million VND, transaction at the counter, and interest at the end of the term. For other terms, Viet A Bank applies 6%/year for 6-month terms; 6.1%/year for 7-month terms; 6.5%/year for 12-month terms; 6.6%/year for 13-month terms; and 6.7%/year for 15-month terms.
Currently, the highest deposit interest rate on the market ranges from 69%/year, however, most of them only apply to customers with very large balances or under separate incentive programs.
At PVcomBank, the special interest rate of 9%/year for a term of 1213 months is applied when customers deposit money at the counter and maintain a minimum balance of VND 2,000 billion. HDBank is listing interest rates at 8.1%/year for a 13-month term and 7.7%/year for a 12-month term; the condition is that customers maintain a minimum balance of VND500 billion.
Vikki Bank applies an interest rate of 7.5%/year for terms of 13 months or more, with a minimum deposit of 999 billion VND. Bac A Bank is listing the highest interest rate at 6.5%/year for a term of 1836 months; interest rate at 6.3%/year for a term of 1315 months; 6.2%/year for a term of 12 months; 6.05%/year for a term of 911 months; and 6%/year for a term of 68 months.
IVB applies an interest rate of 6.15%/year for a term of 36 months, requiring a deposit of VND 1,500 billion or more. Meanwhile, ACB applies 6%/year for a 13-month term, receiving interest at the end of the term when customers maintain a balance of VND200 billion or more.
At LPBank, customers depositing from VND300 billion or more are subject to an interest rate of 6.5%/year when receiving interest at the end of the term; 6.3%/year if receiving interest monthly; and 6.07%/year if receiving interest at the beginning of the term.
In the context of many banks promoting the mobilization of medium and long-term capital, the interest rate group of 6%/year or more continues to be maintained by many credit institutions, especially for long terms, mainly in the form of mass listing and not requiring special conditions.
Vikki Bank is applying 6%/year for 6-month terms; and 6.2%/year for 12-13 month terms. Cake by VPBank applies an interest rate of 6%/year for terms of 1218 months and 2436 months.
HDBank applies 6%/year for a 15-month term and 6.1%/year for a 18-month term. BVBank listed interest rates at 6.1%/year for a 60-month term and 6.0%/year for a 48-month term. Viet A Bank maintains an interest rate of 6.0%/year for a 36-month term.
Bac A Bank applies an interest rate of 6%/year for a 12-month term; 6.1%/year for a 1315-month term; and 6.3%/year for a 1836-month term.
