Data edition 07 Oct 2026

Interest rates ACB

Ngân hàng TMCP Á Châu

Published rates

Highest published rate · 12 months

online

5.90%/yr

59,000,000 VND in interest at maturity

below 3,500,000 VND compared with the market median (6.25%/yr)

A deposit of VND 1 billion · 12 months · interest paid at maturity · cross-checked against acb.com.vn

Mức niêm yết cao nhất của ACB hôm nay là 5.90%/năm, kỳ hạn 12 tháng. Trung vị thị trường cùng kỳ hạn là 6.25%/năm. Gửi 1 tỷ đồng 12 tháng ở mức này nhận khoảng 59,000,000 đ tiền lãi.

Cross-checked at source: acb.com.vn .

3-month term: 4.75%/yr 0.06 pts above the market median
6-month term: 5.10%/yr 1 pts below the market median
12-month term: 5.90%/yr 0.35 pts below the market median

Term curve

The highest rate ACB publishes at each term · vertical axis 4.6–5.9 %/yr · horizontal axis ordered by term

How much interest would you earn at ACB?

Simple interest, paid at maturity, using the highest rate at each term in the sheet.

6-month term · 5.10%

100,000,000 VND: +2,550,000 VND
500,000,000 VND: +12,750,000 VND
1,000,000,000 VND: +25,500,000 VND

12-month term · 5.90%

100,000,000 VND: +5,900,000 VND
500,000,000 VND: +29,500,000 VND
1,000,000,000 VND: +59,000,000 VND

Another amount: open the interest calculator →

01 Market rates actually quoted at ACB

Only records that clear the automated gate appear here — the bank identified, the figure explicit, the post still inside the 14-day window. These are the rates depositors and bank staff share publicly — ACB does not publish this rate on its own site — so they sit in a separate evidence layer and are never mixed into the published rates above.

A further 1 rows clear the gate but cannot yet be matched against the published rate sheet: the term or a necessary condition is missing.

Market rates that could not be cross-checked against the official rate sheet, with the reason
Term	Market rate	Not cross-checked because	Date	Time
not stated	8.80	the post states no term — it cannot be cross-checked against a published rate	07 Oct	20:57

02 ACB savings rates

One term can carry several different rates depending on the deposit channel, the payout option, the deposit tier and the customer group. The table keeps all 105 rows rather than collapsing them into one representative figure — the Conditions column says who each rate applies to.

Full rate sheet 105 rows · every channel, payout option and condition

ACB deposit rates by term
Term	Interest rates	Channel	Interest paid	Conditions	Source
No fixed term	0.50	in branch	at maturity	product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid at maturity Conditions (original, Vietnamese) product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn; term: 1 - 3 tuần; interest paid: Lãi cuối kỳ Cross-check Confirmed by a second source
	0.50	online	at maturity	Mức gửi/ TK (triệu VND): < 200…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online; term: 1 – 3 tuần; Mức gửi/ TK (triệu VND): < 200 Cross-check Confirmed by a second source
	0.50	online	at maturity	Mức gửi/ TK (triệu VND): 200 – < 1.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online; term: 1 – 3 tuần; Mức gửi/ TK (triệu VND): 200 – < 1.000 Cross-check Confirmed by a second source
	0.50	online	at maturity	Mức gửi/ TK (triệu VND): 1.000 - < 5.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online; term: 1 – 3 tuần; Mức gửi/ TK (triệu VND): 1.000 - < 5.000 Cross-check Confirmed by a second source
	0.50	online	at maturity	Mức gửi/ TK (triệu VND): >= 5.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online; term: 1 – 3 tuần; Mức gửi/ TK (triệu VND): >= 5.000 Cross-check Confirmed by a second source
	0.01	online	at maturity	Mức gửi/ TK (triệu VND): < 200…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online kỳ hạn tùy chọn; term: Renew; Mức gửi/ TK (triệu VND): < 200 Cross-check Confirmed by a second source
	0.01	online	at maturity	Mức gửi/ TK (triệu VND): 200 – < 1.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online kỳ hạn tùy chọn; term: Renew; Mức gửi/ TK (triệu VND): 200 – < 1.000 Cross-check Confirmed by a second source
	0.01	online	at maturity	Mức gửi/ TK (triệu VND): 1.000 - < 5.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online kỳ hạn tùy chọn; term: Renew; Mức gửi/ TK (triệu VND): 1.000 - < 5.000 Cross-check Confirmed by a second source
	0.01	online	at maturity	Mức gửi/ TK (triệu VND): >= 5.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online kỳ hạn tùy chọn; term: Renew; Mức gửi/ TK (triệu VND): >= 5.000 Cross-check Confirmed by a second source
	0.01	in branch	—	Số dư cuối ngày (triệu VND): Tất cả mức tiền…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Conditions (original, Vietnamese) product: Tài khoản thanh toán/tiết kiệm KKH; Số dư cuối ngày (triệu VND): Tất cả mức tiền Cross-check Confirmed by a second source
1 month	4.75	online	at maturity	Mức gửi/ TK (triệu VND): >= 5.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online; Mức gửi/ TK (triệu VND): >= 5.000 Cross-check Confirmed by a second source
	4.75	online	at maturity	Mức gửi/ TK (triệu VND): >= 5.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online kỳ hạn tùy chọn; term: 1T – <2T; Mức gửi/ TK (triệu VND): >= 5.000 Cross-check Confirmed by a second source
	4.65	online	at maturity	Mức gửi/ TK (triệu VND): 1.000 - < 5.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online; Mức gửi/ TK (triệu VND): 1.000 - < 5.000 Cross-check Confirmed by a second source
	4.65	online	at maturity	Mức gửi/ TK (triệu VND): 1.000 - < 5.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online kỳ hạn tùy chọn; term: 1T – <2T; Mức gửi/ TK (triệu VND): 1.000 - < 5.000 Cross-check Confirmed by a second source
	4.60	online	at maturity	Mức gửi/ TK (triệu VND): 200 – < 1.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online; Mức gửi/ TK (triệu VND): 200 – < 1.000 Cross-check Confirmed by a second source
	4.60	online	at maturity	Mức gửi/ TK (triệu VND): 200 – < 1.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online kỳ hạn tùy chọn; term: 1T – <2T; Mức gửi/ TK (triệu VND): 200 – < 1.000 Cross-check Confirmed by a second source
	4.50	online	at maturity	Mức gửi/ TK (triệu VND): < 200…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online; Mức gửi/ TK (triệu VND): < 200 Cross-check Confirmed by a second source
	4.50	online	at maturity	Mức gửi/ TK (triệu VND): < 200…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online kỳ hạn tùy chọn; term: 1T – <2T; Mức gửi/ TK (triệu VND): < 200 Cross-check Confirmed by a second source
	4.20	in branch	at maturity	product: TK Phúc An Lộc…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid at maturity Conditions (original, Vietnamese) product: TK Phúc An Lộc; interest paid: Lãi cuối kỳ Cross-check Confirmed by a second source
	4.00	in branch	at maturity	product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid at maturity Conditions (original, Vietnamese) product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn; interest paid: Lãi cuối kỳ Cross-check Confirmed by a second source
	3.95	in branch	paid upfront	product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid paid upfront Conditions (original, Vietnamese) product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn; interest paid: Lãi trả trước Cross-check Confirmed by a second source
2 months	4.75	online	at maturity	Mức gửi/ TK (triệu VND): 1.000 - < 5.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online; Mức gửi/ TK (triệu VND): 1.000 - < 5.000 Cross-check Confirmed by a second source
	4.75	online	at maturity	Mức gửi/ TK (triệu VND): >= 5.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online; Mức gửi/ TK (triệu VND): >= 5.000 Cross-check Confirmed by a second source
	4.75	online	at maturity	Mức gửi/ TK (triệu VND): 1.000 - < 5.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online kỳ hạn tùy chọn; term: 2T – <3T; Mức gửi/ TK (triệu VND): 1.000 - < 5.000 Cross-check Confirmed by a second source
	4.75	online	at maturity	Mức gửi/ TK (triệu VND): >= 5.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online kỳ hạn tùy chọn; term: 2T – <3T; Mức gửi/ TK (triệu VND): >= 5.000 Cross-check Confirmed by a second source
	4.70	online	at maturity	Mức gửi/ TK (triệu VND): 200 – < 1.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online; Mức gửi/ TK (triệu VND): 200 – < 1.000 Cross-check Confirmed by a second source
	4.70	online	at maturity	Mức gửi/ TK (triệu VND): 200 – < 1.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online kỳ hạn tùy chọn; term: 2T – <3T; Mức gửi/ TK (triệu VND): 200 – < 1.000 Cross-check Confirmed by a second source
	4.60	online	at maturity	Mức gửi/ TK (triệu VND): < 200…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online; Mức gửi/ TK (triệu VND): < 200 Cross-check Confirmed by a second source
	4.60	online	at maturity	Mức gửi/ TK (triệu VND): < 200…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online kỳ hạn tùy chọn; term: 2T – <3T; Mức gửi/ TK (triệu VND): < 200 Cross-check Confirmed by a second source
	4.20	in branch	at maturity	product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid at maturity Conditions (original, Vietnamese) product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn; interest paid: Lãi cuối kỳ Cross-check Confirmed by a second source
	4.15	in branch	periodic	product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid periodic Conditions (original, Vietnamese) product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn; interest paid: Lãi tháng Cross-check Confirmed by a second source
	4.10	in branch	paid upfront	product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid paid upfront Conditions (original, Vietnamese) product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn; interest paid: Lãi trả trước Cross-check Confirmed by a second source
3 months	4.75	online	at maturity	Mức gửi/ TK (triệu VND): 200 – < 1.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online; Mức gửi/ TK (triệu VND): 200 – < 1.000 Cross-check Confirmed by a second source
	4.75	online	at maturity	Mức gửi/ TK (triệu VND): 1.000 - < 5.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online; Mức gửi/ TK (triệu VND): 1.000 - < 5.000 Cross-check Confirmed by a second source
	4.75	online	at maturity	Mức gửi/ TK (triệu VND): >= 5.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online; Mức gửi/ TK (triệu VND): >= 5.000 Cross-check Confirmed by a second source
	4.75	online	at maturity	Mức gửi/ TK (triệu VND): 200 – < 1.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online kỳ hạn tùy chọn; term: 3T – < 6T; Mức gửi/ TK (triệu VND): 200 – < 1.000 Cross-check Confirmed by a second source
	4.75	online	at maturity	Mức gửi/ TK (triệu VND): 1.000 - < 5.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online kỳ hạn tùy chọn; term: 3T – < 6T; Mức gửi/ TK (triệu VND): 1.000 - < 5.000 Cross-check Confirmed by a second source
	4.75	online	at maturity	Mức gửi/ TK (triệu VND): >= 5.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online kỳ hạn tùy chọn; term: 3T – < 6T; Mức gửi/ TK (triệu VND): >= 5.000 Cross-check Confirmed by a second source
	4.70	online	at maturity	Mức gửi/ TK (triệu VND): < 200…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online; Mức gửi/ TK (triệu VND): < 200 Cross-check Confirmed by a second source
	4.70	online	at maturity	Mức gửi/ TK (triệu VND): < 200…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online kỳ hạn tùy chọn; term: 3T – < 6T; Mức gửi/ TK (triệu VND): < 200 Cross-check Confirmed by a second source
	4.60	in branch	at maturity	product: TK Phúc An Lộc…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid at maturity Conditions (original, Vietnamese) product: TK Phúc An Lộc; interest paid: Lãi cuối kỳ Cross-check Confirmed by a second source
	4.55	in branch	periodic	product: TK Phúc An Lộc…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid periodic Conditions (original, Vietnamese) product: TK Phúc An Lộc; interest paid: Lãi tháng Cross-check Confirmed by a second source
	4.40	in branch	at maturity	product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid at maturity Conditions (original, Vietnamese) product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn; interest paid: Lãi cuối kỳ Cross-check Confirmed by a second source
	4.35	in branch	periodic	product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid periodic Conditions (original, Vietnamese) product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn; interest paid: Lãi tháng Cross-check Confirmed by a second source
	4.30	in branch	paid upfront	product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid paid upfront Conditions (original, Vietnamese) product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn; interest paid: Lãi trả trước Cross-check Confirmed by a second source
4 months	4.60	in branch	at maturity	product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid at maturity Conditions (original, Vietnamese) product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn; interest paid: Lãi cuối kỳ Cross-check Confirmed by a second source
5 months	4.75	in branch	at maturity	product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid at maturity Conditions (original, Vietnamese) product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn; interest paid: Lãi cuối kỳ Cross-check Confirmed by a second source
6 months	5.10	online	at maturity	Mức gửi/ TK (triệu VND): >= 5.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online; Mức gửi/ TK (triệu VND): >= 5.000 Cross-check Confirmed by a second source
	5.10	online	at maturity	Mức gửi/ TK (triệu VND): >= 5.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online kỳ hạn tùy chọn; term: 6T – < 9T; Mức gửi/ TK (triệu VND): >= 5.000 Cross-check Confirmed by a second source
	5.05	online	at maturity	Mức gửi/ TK (triệu VND): 1.000 - < 5.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online; Mức gửi/ TK (triệu VND): 1.000 - < 5.000 Cross-check Confirmed by a second source
	5.05	online	at maturity	Mức gửi/ TK (triệu VND): 1.000 - < 5.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online kỳ hạn tùy chọn; term: 6T – < 9T; Mức gửi/ TK (triệu VND): 1.000 - < 5.000 Cross-check Confirmed by a second source
	5.00	online	at maturity	Mức gửi/ TK (triệu VND): 200 – < 1.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online; Mức gửi/ TK (triệu VND): 200 – < 1.000 Cross-check Confirmed by a second source
	5.00	online	at maturity	Mức gửi/ TK (triệu VND): 200 – < 1.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online kỳ hạn tùy chọn; term: 6T – < 9T; Mức gửi/ TK (triệu VND): 200 – < 1.000 Cross-check Confirmed by a second source
	4.90	online	at maturity	Mức gửi/ TK (triệu VND): < 200…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online; Mức gửi/ TK (triệu VND): < 200 Cross-check Confirmed by a second source
	4.90	online	at maturity	Mức gửi/ TK (triệu VND): < 200…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online kỳ hạn tùy chọn; term: 6T – < 9T; Mức gửi/ TK (triệu VND): < 200 Cross-check Confirmed by a second source
	4.70	in branch	at maturity	product: TK Phúc An Lộc…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid at maturity Conditions (original, Vietnamese) product: TK Phúc An Lộc; interest paid: Lãi cuối kỳ Cross-check Confirmed by a second source
	4.65	in branch	periodic	product: TK Phúc An Lộc…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid periodic Conditions (original, Vietnamese) product: TK Phúc An Lộc; interest paid: Lãi tháng Cross-check Confirmed by a second source
	4.50	in branch	at maturity	product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid at maturity Conditions (original, Vietnamese) product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn; interest paid: Lãi cuối kỳ Cross-check Confirmed by a second source
	4.45	in branch	periodic	product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid periodic Conditions (original, Vietnamese) product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn; interest paid: Lãi tháng Cross-check Confirmed by a second source
	4.40	in branch	paid upfront	product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid paid upfront Conditions (original, Vietnamese) product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn; interest paid: Lãi trả trước Cross-check Confirmed by a second source
9 months	5.30	online	at maturity	Mức gửi/ TK (triệu VND): >= 5.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online; Mức gửi/ TK (triệu VND): >= 5.000 Cross-check Confirmed by a second source
	5.30	online	at maturity	Mức gửi/ TK (triệu VND): >= 5.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online kỳ hạn tùy chọn; term: 9T – < 12T; Mức gửi/ TK (triệu VND): >= 5.000 Cross-check Confirmed by a second source
	5.25	online	at maturity	Mức gửi/ TK (triệu VND): 1.000 - < 5.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online; Mức gửi/ TK (triệu VND): 1.000 - < 5.000 Cross-check Confirmed by a second source
	5.25	online	at maturity	Mức gửi/ TK (triệu VND): 1.000 - < 5.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online kỳ hạn tùy chọn; term: 9T – < 12T; Mức gửi/ TK (triệu VND): 1.000 - < 5.000 Cross-check Confirmed by a second source
	5.20	online	at maturity	Mức gửi/ TK (triệu VND): 200 – < 1.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online; Mức gửi/ TK (triệu VND): 200 – < 1.000 Cross-check Confirmed by a second source
	5.20	online	at maturity	Mức gửi/ TK (triệu VND): 200 – < 1.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online kỳ hạn tùy chọn; term: 9T – < 12T; Mức gửi/ TK (triệu VND): 200 – < 1.000 Cross-check Confirmed by a second source
	5.10	online	at maturity	Mức gửi/ TK (triệu VND): < 200…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online; Mức gửi/ TK (triệu VND): < 200 Cross-check Confirmed by a second source
	5.10	online	at maturity	Mức gửi/ TK (triệu VND): < 200…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online kỳ hạn tùy chọn; term: 9T – < 12T; Mức gửi/ TK (triệu VND): < 200 Cross-check Confirmed by a second source
	4.70	in branch	at maturity	product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid at maturity Conditions (original, Vietnamese) product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn; interest paid: Lãi cuối kỳ Cross-check Confirmed by a second source
	4.60	in branch	periodic	product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid periodic Conditions (original, Vietnamese) product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn; interest paid: Lãi tháng Cross-check Confirmed by a second source
12 months	5.90	online	at maturity	Mức gửi/ TK (triệu VND): >= 5.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online; Mức gửi/ TK (triệu VND): >= 5.000 Cross-check Confirmed by a second source
	5.90	online	at maturity	Mức gửi/ TK (triệu VND): >= 5.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online kỳ hạn tùy chọn; Mức gửi/ TK (triệu VND): >= 5.000 Cross-check Confirmed by a second source
	5.85	online	at maturity	Mức gửi/ TK (triệu VND): 1.000 - < 5.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online; Mức gửi/ TK (triệu VND): 1.000 - < 5.000 Cross-check Confirmed by a second source
	5.85	online	at maturity	Mức gửi/ TK (triệu VND): 1.000 - < 5.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online kỳ hạn tùy chọn; Mức gửi/ TK (triệu VND): 1.000 - < 5.000 Cross-check Confirmed by a second source
	5.80	online	at maturity	Mức gửi/ TK (triệu VND): 200 – < 1.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online; Mức gửi/ TK (triệu VND): 200 – < 1.000 Cross-check Confirmed by a second source
	5.80	online	at maturity	Mức gửi/ TK (triệu VND): 200 – < 1.000…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online kỳ hạn tùy chọn; Mức gửi/ TK (triệu VND): 200 – < 1.000 Cross-check Confirmed by a second source
	5.70	online	at maturity	Mức gửi/ TK (triệu VND): < 200…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online; Mức gửi/ TK (triệu VND): < 200 Cross-check Confirmed by a second source
	5.70	online	at maturity	Mức gửi/ TK (triệu VND): < 200…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online kỳ hạn tùy chọn; Mức gửi/ TK (triệu VND): < 200 Cross-check Confirmed by a second source
	5.50	in branch	at maturity	product: TK Phúc An Lộc…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid at maturity Conditions (original, Vietnamese) product: TK Phúc An Lộc; interest paid: Lãi cuối kỳ Cross-check Confirmed by a second source
	5.35	in branch	periodic	product: TK Phúc An Lộc…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid periodic Conditions (original, Vietnamese) product: TK Phúc An Lộc; interest paid: Lãi quý Cross-check Confirmed by a second source
	5.30	in branch	at maturity	product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid at maturity Conditions (original, Vietnamese) product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn; interest paid: Lãi cuối kỳ Cross-check Confirmed by a second source
	5.30	in branch	periodic	product: TK Phúc An Lộc…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid periodic Conditions (original, Vietnamese) product: TK Phúc An Lộc; interest paid: Lãi tháng Cross-check Confirmed by a second source
	5.30	in branch	—	product: Tích Lũy Tương Lai	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Conditions (original, Vietnamese) product: Tích Lũy Tương Lai Cross-check Confirmed by a second source
	5.15	in branch	periodic	product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid periodic Conditions (original, Vietnamese) product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn; interest paid: Lãi quý Cross-check Confirmed by a second source
	5.10	in branch	periodic	product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid periodic Conditions (original, Vietnamese) product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn; interest paid: Lãi tháng Cross-check Confirmed by a second source
	5.00	in branch	paid upfront	product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid paid upfront Conditions (original, Vietnamese) product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn; interest paid: Lãi trả trước Cross-check Confirmed by a second source
13 months	5.40	in branch	at maturity	from VND 200 billion…	receipt Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid at maturity Conditions (original, Vietnamese) product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn; interest paid: Lãi cuối kỳ; (*): Đối với mức gửi từ 200 tỷ (bậc 2): Lãi suất 7,00 %/ năm (LCK) Cross-check Recorded from the bank's published page; no second source yet
	5.20	in branch	periodic	from VND 200 billion…	receipt Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid periodic Conditions (original, Vietnamese) product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn; interest paid: Lãi tháng; ( **): Đối với mức gửi từ 200 tỷ (bậc 2): Lãi suất 6,75%/ năm (LT) Cross-check Recorded from the bank's published page; no second source yet
15 months	5.40	in branch	at maturity	product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid at maturity Conditions (original, Vietnamese) product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn; interest paid: Lãi cuối kỳ Cross-check Confirmed by a second source
	5.25	in branch	periodic	product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid periodic Conditions (original, Vietnamese) product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn; interest paid: Lãi quý Cross-check Confirmed by a second source
	5.20	in branch	periodic	product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid periodic Conditions (original, Vietnamese) product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn; interest paid: Lãi tháng Cross-check Confirmed by a second source
18 months	5.60	in branch	at maturity	product: TK Phúc An Lộc…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid at maturity Conditions (original, Vietnamese) product: TK Phúc An Lộc; interest paid: Lãi cuối kỳ Cross-check Confirmed by a second source
	5.40	in branch	at maturity	product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid at maturity Conditions (original, Vietnamese) product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn; interest paid: Lãi cuối kỳ Cross-check Confirmed by a second source
	5.40	in branch	periodic	product: TK Phúc An Lộc…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid periodic Conditions (original, Vietnamese) product: TK Phúc An Lộc; interest paid: Lãi quý Cross-check Confirmed by a second source
	5.40	in branch	—	product: Tích Lũy Tương Lai	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Conditions (original, Vietnamese) product: Tích Lũy Tương Lai Cross-check Confirmed by a second source
	5.35	in branch	periodic	product: TK Phúc An Lộc…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid periodic Conditions (original, Vietnamese) product: TK Phúc An Lộc; interest paid: Lãi tháng Cross-check Confirmed by a second source
	5.20	in branch	periodic	product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid periodic Conditions (original, Vietnamese) product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn; interest paid: Lãi quý Cross-check Confirmed by a second source
	5.15	in branch	periodic	product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid periodic Conditions (original, Vietnamese) product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn; interest paid: Lãi tháng Cross-check Confirmed by a second source
24 months	5.40	in branch	at maturity	product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid at maturity Conditions (original, Vietnamese) product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn; interest paid: Lãi cuối kỳ Cross-check Confirmed by a second source
	5.40	in branch	—	product: Tích Lũy Tương Lai	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Conditions (original, Vietnamese) product: Tích Lũy Tương Lai Cross-check Confirmed by a second source
	5.15	in branch	periodic	product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid periodic Conditions (original, Vietnamese) product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn; interest paid: Lãi quý Cross-check Confirmed by a second source
	5.10	in branch	periodic	product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid periodic Conditions (original, Vietnamese) product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn; interest paid: Lãi tháng Cross-check Confirmed by a second source
36 months	5.40	in branch	at maturity	product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid at maturity Conditions (original, Vietnamese) product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn; interest paid: Lãi cuối kỳ Cross-check Confirmed by a second source
	5.40	in branch	—	product: Tích Lũy Tương Lai	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Conditions (original, Vietnamese) product: Tích Lũy Tương Lai Cross-check Confirmed by a second source
	4.95	in branch	periodic	product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn…	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid periodic Conditions (original, Vietnamese) product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn; interest paid: Lãi tháng Cross-check Confirmed by a second source

ACB pays 5.9%/yr on the 12-month term.
ACB publishes 13 terms, from 1 to 36 months.
ACB's base lending rate is 9.2%/yr — this is the rate the floating interest is computed from once the promotional period ends, plus a margin of 3–4%/yr.
Gap between the base lending rate and the 12-month deposit rate: 3.3 percentage points.

03 ACB loan rates

Only rates for individual customers are shown. Banks list several rates by customer segment and drawdown date, so the table below gives a range rather than a single figure.

ACB lending rates by type
Rate type	Rate	Notes	Source
Average lending rate	9.4	Lãi suất cho vay bình quân (*)…	receipt Source acb.com.vn Source page read at 02:18 on 11 Sep 2026 (Vietnam time) Cross-check Recorded from the bank's published page; no second source yet
Reference rate	9.2	by region…	receipt Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Cross-check Recorded from the bank's published page; no second source yet

The base rate is what the floating rate is computed from once the promotional period ends, plus a spread of usually 3–4%/yr. That is the number that decides the cost of a long-term loan, not the first-year promotional rate the bank advertises.

ACB priority banking requirements

ACB Privilege (hạng P)

—No public threshold found

4 đặc quyền

phòng chờ thương gia (theo thẻ)
RM riêng, hotline 1800 577 775
quà dịp đặc biệt
gói Đặc quyền khởi đầu cho khách ưu tiên mới

Secondary source · Source · checked 18 Sep 2026

Compare priority thresholds at 23 banks →

The figures are collected automatically from ACB's own published pages and checked against a rule set before publication. We are not affiliated with ACB and take no commission from the bank. See how we collect these numbers.

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