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MB (Military Commercial Joint Stock Bank) has updated its new deposit rate schedule, showing a clear downward trend across medium- and long-term tenors. Rates for short terms of under six months at the counter for individual customers remain largely stable.
At the counter, tenors of 1–5 months are unchanged at roughly 3.7%–4.1% per year. For 6–11 months, the rate declines by 0.1 percentage point to about 4.6% per year for deposits below 1 billion VND.
For the 12–18 month tenor, the rate falls by about 0.2 percentage point, bringing it to around 6.3% per year for deposits below 1 billion VND. For deposits above 1 billion VND, rates remain higher by about 0.1 percentage point across many tenors. Specifically, the 6–11 month tenor is around 4.8% per year, while the 12–18 month tenor is commonly around 6.4% per year after the 0.2 percentage point adjustment.
In the longer-tenor segment, the 24-month rate drops by 0.3 percentage point to 7.2% per year and remains the highest. The 36–60 month group sees the largest reduction, falling by 0.5 percentage point to around 7.0% per year, applicable to both deposit brackets.
For online deposits, MB keeps rates higher than counter rates and differentiates them by deposit amount. For amounts under 1 billion VND, short tenors of 1–5 months remain within 4.5%–4.65% per year. The 6–11 month tenor decreases by 0.1 percentage point to about 5.7% per year.
For 12–18 months, rates decline by 0.2 percentage point to around 6.4% per year. For deposits above 1 billion VND, rates remain higher: the 6–11 month tenor is around 5.8% per year, and the 12–18 month tenor is around 6.45% per year after the adjustment.
In the long-tenor category, the 24-month rate falls by 0.3 percentage point to 7.2% per year, while the 36–60 month tenors drop by 0.5 percentage point to around 7.0% per year.
MB’s rate cut follows a strong rise in March 2026. The update reflects the bank actively reducing medium- and long-term funding costs, which can create room to lower lending rates in the near term, in line with the central bank’s policy.
The changes primarily affect medium- and long-term depositors, with the largest reductions in the 36–60 month tenor group (down 0.5 percentage point to about 7.0% per year). Short-term rates under six months remain comparatively stable.
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