Agribank interest rate, deposit 100 million and receive up to 9.6 million VND

Update deposit interest rates at Agribank

The Bank for Agriculture and Rural Development of Vietnam (Agribank) applies a deposit interest rate table with the highest interest rate of up to 4.8%/year for a 24-month term.

Interest rate for non-term deposits is currently at 0.2%/year. For short terms from 1 to 2 months, the interest rate is 2.2%/year, while the term of 3 to 5 months increases to 2.5%/year. Deposits from 6 to 11 months are entitled to an interest rate of 3.5%/year.

Interest rates start to have a clear difference from the 12-month term onwards. Accordingly, the interest rate for terms from 12 to 18 months is applied at 4.7%/year, and the highest is 4.8%/year for a 24-month term.

This interest rate shows that Agribank maintains a stable mobilization policy, with attractive incentives for long-term deposits.

Below is the table of savings interest rates for individual customers at Agribank on March 14, 2025:

How to receive interest if you deposit 100 million VND at Agribank

Formula for calculating bank deposit interest:

With a deposit of 100 million VND at Agribank, customers can receive the following interest:

Note that the above interest amount is calculated according to the interest payment method at the end of the term and is for reference only. For the most detailed and updated information, customers should contact the nearest Agribank branch directly or visit the bank's official website.

Choosing a deposit term depends on your financial needs. If you need flexibility, you should choose a short term such as 1-6 months to easily withdraw money when needed without losing interest. However, short-term interest rates are often lower.

On the contrary, if you have a long-term idle amount and do not plan to use it in the near future, you should choose a long term such as 12-24 months to enjoy a higher interest rate. However, the disadvantage of long terms is that deposits cannot be withdrawn ahead of schedule without affecting interest rates. Therefore, before deciding, consider between liquidity and profit to make the right choice.

Some banks with the highest interest rates

The highest interest rate for 12-month terms is up to 7-9%, but to enjoy this interest rate, customers must meet special conditions.

PVcomBank leads with a special interest rate of 9%/year for a term of 12-13 months when depositing money at the counter. The applicable condition is that customers must maintain a minimum balance of VND 2,000 billion.

HDBank applies an interest rate of 8.1%/year for a 13-month term and 7.7%/year for a 12-month term, with the condition of maintaining a minimum balance of VND500 billion. In addition, the 18-month term is subject to a 6% interest rate.

MSB listed an interest rate of 7%/year for a term of 12 and 13 months. The condition is that the minimum deposit is 500 billion VND from newly opened or automatically renewed savings books from January 1, 2018.

Dong A Bank applies an interest rate of 7.5%/year for term deposits of 13 months or more, with a minimum amount of 200 billion VND; Bac A Bank is listing the highest interest rate of 6% for a term of 18-36 months for deposits over 1 billion VND; IVB applies an interest rate of 6.15% for a term of 36 months, with conditions applied to deposits of 1,500 billion VND or more.

Currently, interest rates above 6%/year are being listed by many banks for long-term deposits but do not require a minimum deposit amount.

BVBank applies an interest rate of 6% for an 18-month term, 6.05% for a 24-month term; Cake by VPBank applies an interest rate of 6%/year for a 12-18 month term and 6.3%/year for a 24-36 month term.

VRB and Dong A Bank apply an interest rate of 6% for a 24-month term; VietABank applies an interest rate of 6% for a 18- and 24-month term at 6%/year, 6.1% for a 36-month term; HDBank applies an interest rate of 6% for a 15-month term and 6.1% for a 18-month term; BAOVIET Bank applies an interest rate of 6% for a 15, 18, 24 and 36-month term; ABBank applies an interest rate of 6% for a 12-month term.