Interest rates for deposit deposit deposit at ACB counter in February 2025
ACB counter savings interest rates range from 0.5% - 4.5%/year, as follows:
Interest rate for 1 - 3 weeks: 0.5%/year.
1-month term interest rate: 2.3%/year.
3-month term interest rate: 2.7%/year.
6-month term interest rate: 3.5%/year.
9-month term interest rate: 3.7%/year.
12-month term interest rate: 4.4%/year.
24-month term interest rate: 4.25%/year.
36-month term interest rate: 4.15%/year.
Customers depositing for a 13-month term with an amount of VND 200 billion or more will enjoy a preferential interest rate of 6.0%/year.
In addition to receiving interest at the end of the term, customers can choose:
Quarterly interest rate: 4.3% - 4.4%/year.
Monthly interest rate: 2.45% - 4.35%/year.
Interest paid in advance: 2.25% - 4.2%/year.
ACB online deposit deposit interest rate in February 2025
Online savings interest rates at ACB range from 0.5% - 5.1%/year:
Interest rate for 1 - 3 weeks: 0.5%/year.
1-month term interest rate: 3.2%/year.
3-month term interest rate: 3.6%/year.
6-month term interest rate: 4.3%/year.
9-month term interest rate: 4.4%/year.
12-month term interest rate: 5.0%/year.
24-month term interest rate: 4.25%/year.
Depositing 2 billion VND in 2 years, how much interest will you receive?
Case 1: Interest rate (expired at the end of the term after 2 years)
Customers deposit 2 billion VND for a 24-month term, receiving interest at the end of the term with an interest rate of 4.25%/year.
Interest received after 2 years:
2 billion × 4.25% × 2 years = 170 million VND.
Total amount received after 2 years: 2.17 billion VND.
Case 2: Double interest (12-month deposit, re- resumed for 12 months with principal interest)
Customers deposit 2 billion VND for a 12-month term with an interest rate of 5.0%/year, then re- resumes both principal and interest in the second year with the same interest rate of 5.0%/year.
After 1 year, the total principal + principal interest:
2 billion + (2 billion × 5%) = 2.1 billion VND.
In the second year, this amount will continue to enjoy an interest rate of 5.0%/year:
2.1 billion × 5% = 105 million VND.
Total amount received after 2 years: VND 2.205 billion ( Interest: VND 216 million).
Should I choose single interest or double interest?
If customers choose to receive interest at the end of the term after 2 years, the interest received is 170 million VND.
If you choose to continue with double interest (deposit for 12 months and then extend for 12 months with principal interest), the interest amount can be up to 216 million VND, 46 million VND higher than the interest rate.
Thus, customers depositing 2 billion VND at ACB for 2 years can receive more than 216 million VND if they apply double interest recourse, helping to maximize profits from deposits.
