Bank interest rates on July 14, 2026: The highest rate for a 36-month term reached 7.3% per year.
As of July 14, 2026, the deposit market saw four banks offering deposit interest rates starting from 7.0%/year for a 36-month term, with OCB leading the way with a tiered interest rate of up to 7.3%/year.
According to a survey of deposit interest rates at commercial banks during the trading session on July 14, 2026, the 36-month term group continues to show clear differentiation. Currently, four banks are listing interest rates of 7.0%/year or higher for this term, providing an optimal choice for customers with long-term capital needs.
OCB leads the market with tiered interest rates.
Among the surveyed banks, OCB currently offers the highest interest rate for the 36-month term through a tiered interest rate policy based on deposit balances. Specifically, the bank lists an interest rate of 7.1% per year for deposits under 100 million VND.
For customers with larger balances, interest rates will gradually increase. Deposits from VND 100 million to less than VND 500 million enjoy an interest rate of 7.2% per year. Notably, the most preferential interest rate of 7.3% per year is applied to deposits of VND 500 million or more. This is also the highest interest rate recorded in the market for a 36-month term at this time.
The banking group maintained its interest rate at 7.0%.
Besides OCB, three other banks, including MB, MBV, and VCBNeo, are also offering a fixed interest rate of 7.0% per annum for 36-month term deposits, regardless of the deposit balance. This is considered a competitive rate in the context of a market where there is a slight adjustment in interest rate margins between state-owned and joint-stock banks.
In the next group, Bac A Bank listed a rate of 6.95%/year. Nam A Bank and Sacombank both applied a rate of 6.9%/year. Meanwhile, the group of large banks including Agribank, BIDV, VietinBank, along with NCB and PGBank, are maintaining an interest rate of 6.8%/year for the same term.
Details of online deposit interest rates as of July 14, 2026
Below is a summary table of the latest updated online deposit interest rates at some commercial banks (%/year):
| BANK | 1 MONTH | 3 MONTHS | 6 MONTHS | 12 MONTHS | 18 MONTHS |
|---|---|---|---|---|---|
| AGRIBANK | 4.75 | 4.75 | 6.6 | 6.8 | 6.8 |
| MB | 4.75 | 4.75 | 6.6 | 6.8 | 6.8 |
| VIETCOMBANK | 4.75 | 4.75 | 6.6 | 6.8 | 6.8 |
| VIETINBANK | 4.75 | 4.75 | 6.6 | 6.8 | 6.8 |
| ACB | 4.75 | 4.75 | 7.1 | 7.2 | 7.3 |
| SAIGONBANK | 4.75 | 4.75 | 6.9 | 7.2 | 7.0 |
| MBV | 4.6 | 4.75 | 7.0 | 7.0 | 7.0 |
| VCBNEO | 4.75 | 4.75 | 7.0 | 7.0 | 7.0 |
| PGBANK | 4.75 | 4.75 | 6.9 | 7.0 | 6.8 |
| VIB | 4.35 | 4.45 | 5.7 | 7.0 | 5.9 |
Overall, current interest rate trends still favor long-term maturities and online deposit methods. The application of tiered interest rate schemes by banks like OCB demonstrates an effort to attract medium and long-term capital to ensure financial safety indicators and meet the credit needs of the economy.
