Bank interest rates as of December 27, 2025: Certificates of deposit up to 7.8%
The interest rate market on December 27, 2025, witnessed a strong upward trend across the board. Notably, certificates of deposit at BVBank reached 7.8% per annum for a 15-month term.
On December 27, 2025, deposit interest rates in the banking system continued to rise, especially for medium and long-term products. This development reflects increased capital demand amidst credit recovery and intense competition for deposits at the end of the year.
Certificates of deposit reach a peak of 7.8% per year.
The biggest highlight in the market today is BVBank's launch of an online certificate of deposit product with an interest rate of up to 7.8% per year. This is considered one of the highest interest rates currently available on the market for popular deposit products.
According to regulations, customers can participate with a minimum deposit of 10 million VND for terms of 6, 9, 12, and 15 months. Of these, the 15-month term offers the highest interest rate of 7.8% per year, significantly higher than traditional savings deposit options.
Besides certificates of deposit, BVBank also maintains a policy of adding interest rates of up to 0.5%/year for customers who deposit savings at the end of the year, in order to prepare capital for its 2026 credit plan.
A wave of interest rate hikes is spreading across 26 banks.
Since the beginning of December, 26 banks have adjusted their deposit interest rates upwards. This list includes both state-owned and joint-stock commercial banks such as NCB, Techcombank, OCB, MB, ACB, Saigonbank, Sacombank, PGBank, and VietinBank.
Notably, many institutions have increased interest rates up to twice within a month. VPBank alone has made its third adjustment, indicating significant pressure to raise capital at many banks.
Special interest rate packages and affordable segments
The market still offers "special" interest rate packages ranging from 6.5% to 9% per year, but these come with strict conditions regarding the balance:
- PVcomBank:An interest rate of 9% per annum will be applied for a term of 12–13 months with a minimum balance of VND 2,000 billion.
- HDBank, Vikki Bank, Nam A Bank, Bac A Bank:Interest rates range from 6.5% to over 8% per year for deposits from hundreds of billions to nearly a trillion VND.
In the mainstream segment, which doesn't require large deposit amounts, banks like Vikki Bank, Cake by VPBank, Bac A Bank, OCB, VIB, and PVcomBank are offering rates of 6.5% - 7% per year for terms from 6 to 36 months. Currently, PGBank holds the highest market position in terms of officially listed interest rates without special conditions, at 7% per year for long-term deposits.
Advice for depositors
Financial experts believe that the upward trend in interest rates at the end of the year will directly benefit depositors. However, customers need to carefully consider the interest rate, deposit term, and bank reputation to ensure liquidity and optimize long-term benefits in a volatile market.
