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VietinBank deposit rates in May 2026 Entering May 2026, VietinBank (Vietnam Prosperity Bank) continues the downtrend in deposit rates for longer-term maturities, with the top rate now down to 6% per year, lower than the level seen in early April. According to the latest deposit rate schedule applicable to individuals depositing at the teller, non-term deposits are currently listed at 0.1% per year, while deposits under 1 month carry 0.2% per year. For short-term maturities, VietinBank maintains 2.1% per year for deposits from 1 to under 3 months. The 3 to under 6 months tenor is applied at 2.4% per year. This term segment suits customers who require short-term liquidity. For mid-term deposits, rates for 6 to under 12 months are listed at 3.5% per year, with little change from the previous period. Notably, the 12 to under 24-month terms are now 5.9% per year. Longer terms of 24 months or more are listed at 6.0% per year – significantly below the peak of 6.5% per year recorded in early April 2026 after a strong rise. How much interest would you earn by depositing 100 million VND at VietinBank? To illustrate clearly, interest is calculated using the formula: Interest = Principal × Interest rate (%/year) × Number of months / 12. Based on VietinBank’s May 2026 rates, if you deposit 100 million VND, the corresponding interest by term would be: 1 month at 2.1%/year yields about 175,000 VND; 3 months at 2.4%/year yields about 600,000 VND; 6 months at 3.5%/year yields about 1,750,000 VND; 12 months at 5.9%/year yields about 5,900,000 VND; and 24 months at 6.0%/year yields about 12,000,000 VND after 2 years. If liquidity is preferred, the 1–3 month terms are suitable, offering roughly 175,000–600,000 VND in interest on 100 million, while still allowing capital to be redeemed earlier. If there is no need to lock funds for 6–12 months, mid-term options such as 6 months (3.5%/year) or 12 months (5.9%/year) offer a balance between return and liquidity. For long-term accumulation, terms of 24 months or more at 6.0%/year are currently the highest available at VietinBank. After 2 years, 100 million VND could earn about 12 million VND, notably higher than shorter-term options. To increase flexibility, savers can also partition the amount; for example, splitting 100 million into 50 million in a 6-month term (about 875,000 VND interest) and 50 million in a 12-month term (about 2.95 million VND). This approach helps optimize returns while keeping part of the funds accessible when maturities occur. Read more
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