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1. Deposit Interest Rates at VIB Bank:
* Deposit interest rates apply to individual customers
Including: Fixed-term savings accounts; tiered interest rates for term deposits; flexible savings deposits; and E-savings accounts with no fixed term.
- Fixed-term Savings:
For fixed-term deposits, interest rates are divided into multiple terms ranging from 1 week to 36 months. Interest rates at different payment intervals such as End of term, Quarterly, or Monthly undergo significant changes.
+ The highest weekly savings interest rate is 0.1% (for in-branch or electronic savings)
+ The highest monthly savings interest rate is: 5.4% (for electronic savings)
+ The highest six-month savings interest rate is: 5.5% (for in-branch or electronic savings)
+ The maximum interest rate for twelve-month savings is: 7.9% (for electronic savings)
+ The maximum interest rate for thirty-six-month savings is: 6.9% (for electronic savings)
- Tiered Interest Rates for Fixed-Term Savings:
The tiered interest rates for fixed-term deposits at VIB Bank range from 1 week to 1 month. Corresponding to this, the savings deposit amounts at VIB Bank range from under 500 million VND to over 2 billion VND. The savings interest rates at VIB Bank show relatively low weekly fluctuations, with noticeable differences when calculated on a monthly basis.
Accordingly, the interest rate for savings deposits within 1 week for deposits under 500 million dong up to over 2 billion dong is 0.5%.
However, when the term of the savings deposit reaches 1 month, the tiered interest rates for term deposits begin to differentiate. Specifically, deposits under 500 million dong will have an interest rate of 5%; from 500 million to 2 billion dong is 5.1%; Over 2 billion dong is 5.2%.
- Flexible savings deposit accounts:
Flexible savings deposit accounts are divided into multiple terms, ranging from a minimum of 6 months to a maximum of 60 months. Each term has two flexible savings deposit forms through counter deposit and electronic deposit.
The highest flexible savings interest rate belongs to the 12 - 36 month term: 7.15%
The lowest flexible savings interest rate belongs to the 6-month term: 5.7%
The average flexible savings interest rate belongs to the 48 and 60 month terms: 6.2%.
- Non-term flexible savings account E-savings:
E-Saving deposit account is a non-term online savings account provided by VIB. This account requires no minimum balance, offers high deposit interest rates, and calculates interest based on end-of-day balances. E-Saving savings account provides interest rates calculated annually. Users can deposit amounts ranging from 5 to 100 million VND.
However, it's noteworthy that savings deposits ranging from 5-100 million VND all share the same interest rate of 0.5% (current savings interest rate).
In case customers withdraw savings deposits before maturity, it will not affect the corresponding non-term interest rate.
* Deposit interest rates apply to business customers
- Term deposits: Flexible interest payment method from the beginning to the end of the term, with terms ranging from daily, weekly, quarterly, yearly, or automatic renewal. The savings interest rate is quite favorable.
- Online term deposits for businesses: Optimize idle capital sources, safely and conveniently through modern electronic channels. Enjoy the most attractive savings interest rate of 5.5% per annum for deposits with terms from 1 to 5 months.
2. VIB bank loan interest rates:
Currently, the base lending interest rate of VIB is 6.7% per annum, applicable to all types of businesses participating in borrowing from VIB bank.
* Applicable to Individual Customers
Includes the following loan forms: Purchase and sale loans, real estate transfer and construction loans; business loans; car loans; personal loans.
Each individual loan form from VIB bank will have differences, so readers need to follow the details of the applicable loan interest rates for individuals from VIB bank here.
* Applicable to Business Customers
Includes the following loan forms: Quick working capital loans (FAST LOAN); working capital loans, new car loans; medium to long-term loans; project investment loans;…
Due to the variety of financial loan options available to business customers, Mytour would like to guide you to explore detailed interest rates applicable to each bank here.
To learn more about interest rates for various deposit account or loan forms, please contact the following contact information of VIB bank:
- Tel: 18008180 (toll-free – 24/7)
Alternatively, you can visit VIB bank's branches and transaction offices nationwide.
Among many commercial banks today, VIB holds a significant position in terms of capital and development scale. Leveraging this advantage, the bank currently offers numerous deposit and loan packages with preferential interest rates for users. As a result, users can freely choose VIB bank interest rates according to individual needs or the financial capacity of businesses.
However, before deciding to borrow or deposit at VIB bank, Mytour advises you to refer to the interest rates of DongA Bank, MBBank, Techcombank, or ANZ bank to ensure that you are aware of the most beneficial interest rates for your financial needs.
Of course, VIB bank operates according to regulations, so readers should check VIB bank's operating hours before borrowing or depositing. Not knowing VIB bank's operating hours and transacting during bank closing hours can be inconvenient and time-consuming.
Let's check out VIB's Working Hours to have a clear understanding of this bank's operating schedule, making transactions and using its services easier, more convenient, and more effective.
