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Entering May 2026, Agribank continues to keep deposit rates at a low level following the previous adjustment. The highest rate on the bank’s schedule is 6% per year for the 24-month term.
At counter deposits, non-term deposits, and demand deposits, Agribank maintains rates at 0.2% per year.
For short-term deposits, Agribank lists:
This range is suited to customers prioritizing liquidity and flexibility in using funds.
For mid-term deposits, the 6–11 month terms are kept at 4.0% per year, unchanged from before. The rate remains higher than some banks in the state-owned group, reflecting Agribank’s regulatory role while still maintaining market competitiveness.
For long-term deposits, Agribank continues to offer:
The 24-month rate is the highest in the yield table and is down 0.5 percentage point from the previous level.
Interest is calculated using the formula: Interest = Principal × Rate (%) per year × Months Deposited / 12.
Based on Agribank’s May 2026 rate schedule, a 100 million VND deposit would earn approximately:
If a depositor prioritizes liquidity for cash flow needs such as daily expenses or working capital turnover, the 1–3 month terms are suitable. With rates of 2.6–2.9% per year, a 100 million VND deposit yields about 217,000–725,000 VND in interest while keeping flexibility to withdraw when needed.
If funds are not required for 6–12 months, terms such as 6 months (4.0% per year) or 12 months (5.9% per year) provide a balance between return and time horizon.
For long-term savings, the 24-month term (6.0% per year) currently offers the highest return at Agribank. After 2 years, 100 million VND would earn about 12 million VND in interest, higher than the shorter terms.
To increase flexibility, depositors can split funds. For example, dividing 100 million VND into two accounts—50 million VND for a 6-month term (about 1 million VND in interest) and 50 million VND for a 12-month term (about 2.95 million VND in interest)—can allow part of the funds to mature earlier while still capturing higher long-term rates.
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