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Vietcombank deposit rates in May 2026 have cooled, with the top rate now 6% per year for the 24-month term. For individuals, the updated rates are set at 0.1% per year for non-term deposits and around 0.2% per year for short-term deposits under 1 month.
The long-term structure shows a clear reduction: the 24-month rate is currently 6.0% per year, compared with 6.5% previously. Very long terms (36 months and above) are listed at 5.3% per year, which is lower than the 24-month rate. The 12-month rate of 5.9% per year is described as being in line with the current level across state-owned banks.
Interest is calculated as: Interest = Principal × Rate (%/year) × Months/12. Using Vietcombank’s May 2026 rates, a 100 million VND deposit would generate approximately:
If liquidity is the priority, the 1–3 month terms are presented as suitable, offering roughly 175,000–600,000 VND on a 100 million VND deposit while preserving access to funds sooner. For depositors who do not need to withdraw within 6–12 months, the 6-month (3.5% per year) or 12-month (5.9% per year) terms are described as a balance between return and timing.
For longer-term accumulation, the 24-month term at 6.0% per year is currently the highest. After 2 years, a 100 million VND deposit could earn about 12 million VND, which is higher than the returns from shorter terms based on the provided rate schedule.
To increase flexibility, the article suggests splitting a 100 million VND deposit into two parts: 50 million VND for a 6-month term (about 875,000 VND interest) and 50 million VND for a 12-month term (about 2.95 million VND interest), aligning maturities while aiming to optimize returns.
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