2 banks have interest rates above 7.4% for 12-month savings

Thạch Lam |

According to a survey by Lao Dong Newspaper reporters on December 25, 12-month savings interest rates in the banking system fluctuate around 4.4 - 9.5%.

PVcomBank's interest rate is currently the highest in the market, up to 9.5% for a 12-month term with a minimum deposit of VND2,000 billion, however customers must meet special conditions.

Under normal conditions, PVcomBank lists the highest 12-month interest rate at 5.1% when customers deposit money online and 4.8% when depositing money at the counter.

Bieu lai suat tiet kiem truyen thong PVcomBank. Anh: PVcomBank
PVcomBank's traditional savings interest rate table. Photo: PVcomBank
Bieu lai suat tiet kiem online PVcomBank. Anh: PVcomBank
PVcomBank online savings interest rate table. Photo: PVcomBank

Following is HDBank with an interest rate of 7.7% for a 12-month term, with a minimum balance of VND500 billion. Under normal conditions, HDBank lists the highest 12-month interest rate at 5.6% when customers deposit money online and 5.5% when depositing money at the counter.

Bieu lai suat tiet kiem tai quay HDBank. Anh: HDBank
Savings interest rates at HDBank counter. Photo: HDBank
Bieu lai suat tiet kiem online HDBank. Anh: HDBank
HDBank online savings interest rate table. Photo: HDBank

The top banks with the highest interest rates for 12-month terms under normal conditions include: GPBank, ABBank, INDOVINA Bank Limited (IVB).

GPBank is listing the highest 12-month interest rate at 6.05%/year for customers making electronic savings deposits. Currently, the highest interest rate listed by this bank is 6.15% for terms of 13-36 months.

Bieu lai suat tiet kiem dien tu ngan hang GPBank. Anh: GPBank
GPBank electronic savings interest rate table. Photo: GPBank

ABBank is listing the highest interest rate for a 12-month term at 6%/year when customers deposit money online and receive interest at the end of the term. Customers who receive interest in advance, monthly and quarterly receive interest rates of 5.66%, 5.84%, 5.87%/year, respectively.

Bieu lai suat tiet kiem ABBank. Anh: ABBank
ABBank savings interest rate table. Photo: ABBank

IVB is listing the highest interest rate for a 12-month term at 5.95%/year for customers who receive interest at the end of the term. Customers who receive interest monthly receive an interest rate of 5.79%/year.

Bieu lai suat tiet kiem dien tu ngan hang IVB. Anh: IVB
IVB bank's electronic savings interest rate table. Photo: IVB

How much interest do you receive if you save 500 million VND for 12 months?

You can refer to the interest calculation method to know how much interest you will receive after saving. To calculate interest, you can apply the formula:

Interest = deposit x interest rate %/12 x number of months of deposit.

For example, you deposit 500 million VND into Bank A for a 12-month term and enjoy an interest rate of 6%/year. The interest received is as follows:

500 million VND x 6%/12 x 12 = 30 million VND.

* Interest rate information is for reference only and may change from time to time. Please contact the nearest bank transaction point or hotline for specific advice.

Readers can refer to more information about interest rates HERE.

Thạch Lam
TIN LIÊN QUAN

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