Bank interest rates today April 15, 2025: Unexpected thing...

Orient Commercial Joint Stock Bank ( OCB ) has just sharply reduced interest rates for all deposit terms from 1-36 months, including savings deposits at the counter and online.

According to the latest interest rate table at the counter announced by OCB, the bank interest rate for 1 and 2 month terms is listed at 3.6%/year, down 0.3% and 0.4%/year respectively.

The 3-month savings interest rate at the counter was adjusted down 0.3%/year to 3.8%/year, while the 4-month savings interest rate slightly decreased 0.1%/year to 4%/year.

The reduction in interest rates for 5-month counter deposits is 0.3%/year, down to only 4.2%/year.

Interest rates on deposits at the counter for terms of 6-11 months were all brought back to 4.6%/year after being reduced by 0.4%/year.

Also with a reduction of 0.4%/year, OCB has brought the bank interest rate for 12-15 month terms down to 4.7%/year for customers depositing savings at the counter. This is also the reduction of the 18-month term deposit interest rate after it was down to 4.8%/year.

Meanwhile, the interest rate mobilized at the counter for 21 and 24-month terms was brought down to 4.85%/year, down sharply by 0.65% and 0.75%/year, respectively.

Notably, the 36-month term deposit interest rate at the counter was strongly reduced by OCB by 1.05%/year, down to only 4.75%/year.

Thus, the highest interest rate when saving at OCB's counter is currently 4.85%/year, term 21-24 months.

For online deposit interest rates, the adjustment also took place for all terms, so all OCB's deposit interest rates at the counter and online are below 5%/year. This is a rare bank that can do this.

Specifically, OCB's latest online savings interest rate table is as follows: Interest rate for 1-2 month term is 3.7%/year, down 0.3% and 0.4%/year respectively.

OCB's 3-month term bank interest rate is reduced to 3.9%/year after a 0.3%/year reduction.

Interest rates for 4- and 5-month terms decreased by 0.1% and 0.3% per year to 4.1% and 4.3% per year, respectively.

OCB reduced online deposit interest rates for 6-11 month terms by 0.4%/year, all at 4.7%/year.

This is also a reduction in online savings interest rates for 12-15 month terms after interest rates for these terms were brought back to 4.8%/year.

Meanwhile, the 18-month online savings interest rate was reduced by 0.5%/year to 4.9%/year; the 21- and 24-month terms were reduced by 0.55% and 0.65%/year respectively to 4.95%/year, which is also the highest online mobilization interest rate at OCB.

The deepest interest rate reduction for online deposits is for the 36-month term, down 0.95%/year to 4.85%/year.

On March 31, OCB reduced bank interest rates for terms of 6-36 months by 0.1%/year.

Since February 25, 27 domestic commercial banks have reduced their deposit interest rates by 0.1-1.05% per year. In April alone, several more banks reduced their deposit interest rates, including VPBank , MB, Eximbank, Nam A Bank, and OCB.

INTEREST RATES FOR ONLINE DEPOSITS AT BANKS ON APRIL 15, 2025 (%/YEAR)
BANK	1 MONTH	3 MONTHS	6 MONTHS	9 MONTHS	12 MONTHS	18 MONTHS
AGRIBANK	2.4	3	3.7	3.7	4.7	4.7
BIDV	2	2.3	3.3	3.3	4.7	4.7
VIETINBANK	2	2.3	3.3	3.3	4.7	4.7
VIETCOMBANK	1.6	1.9	2.9	2.9	4.6	4.6
ABBANK	3.2	3.9	5.4	5.5	5.7	5.5
ACB	3.1	3.5	4.2	4.3	4.9
BAC A BANK	3.5	3.8	4.95	5.05	5.4	5.8
BAOVIETBANK	3.5	4.35	5.45	5.5	5.8	5.9
BVBANK	3.95	4.15	5.15	5.3	5.6	5.9
EXIMBANK	4	4.1	5.1	5.2	5.3	5.7
GPBANK	3.5	4.02	5.35	5.7	6.05	6.15
HDBANK	3.85	3.95	5.3	4.7	5.6	6.1
KIENLONGBANK	3.7	3.7	5.1	5.2	5.5	5.45
LPBANK	3.6	3.9	5.1	5.1	5.4	5.6
MB	3.7	4	4.6	4.6	5	5
MBV	4.1	4.4	5.5	5.6	5.8	5.9
MSB	3.9	3.9	5	5	5.6	5.6
NAM A BANK	3.8	4	4.9	5.2	5.5	5.6
NCB	4	4.2	5.35	5.45	5.6	5.6
OCB	3.7	3.9	4.7	4.7	4.8	4.9
PGBANK	3.4	3.8	5	4.9	5.4	5.8
PVCOMBANK	3.3	3.6	4.5	4.7	5.1	5.8
SACOMBANK	3.3	3.6	4.9	4.9	5.4	5.6
SAIGONBANK	3.3	3.6	4.8	4.9	5.6	5.8
SCB	1.6	1.9	2.9	2.9	3.7	3.9
SEABANK	2.95	3.45	3.95	4.15	4.7	5.45
SHB	3.5	3.8	4.9	5	5.3	5.5
TECHCOMBANK	3.25	3.55	4.55	4.55	4.75	4.75
TPBANK	3.5	3.8	4.8	4.9	5.2	5.5
VCBNEO	4.15	4.35	5.7	5.65	5.85	5.85
VIB	3.7	3.8	4.7	4.7	4.9	5.2
VIET A BANK	3.7	4	5.2	5.4	5.7	5.9
VIETBANK	4.1	4.4	5.4	5.4	5.8	5.9
VIKKI BANK	4.15	4.35	5.65	5.95	6	6
VPBANK	3.7	3.9	4.8	4.8	5.3	5.3