Interest rates at ACB Bank, loan rates, and deposits at Asia Commercial Joint Stock Bank.

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Ngày cập nhật gần nhất: 1/5/2026

Interest rates at ACB Bank, loan rates, and deposits at Asia Commercial Joint Stock Bank are crucial information for both individuals and businesses planning to save or borrow capital. ACB Bank is a reputable and large bank, understanding the savings interest rates, loan rates to grasp information about this bank, and choose suitable preferential packages.

Whether opening an account at ACB Bank or other banks, the primary concern of every individual or business is the interest rates at ACB Bank, including deposit interest rates or loan rates to serve personal needs. If you need to borrow capital or deposit savings, make sure to thoroughly research the information about the interest rates at ACB Bank for borrowing and depositing savings.

Interest rates at ACB Bank, loan rates, and deposits at Asia Commercial Joint Stock Bank

I. Deposit Interest Rates at ACB Bank:

1. VND deposit interest rates applicable in Hanoi and Ho Chi Minh City regions

* Applicable for fixed-term deposits

- Fixed-term deposits, Traditional term deposits, 20-Month Savings, and Đại Lộc Savings

- Business accounts:

- Secure Savings:

- Other types of savings deposits such as Tiny Angels accumulation and housing establishment:

Before proceeding to deposit money at ACB Bank, please note:

- The minimum deposit amount for weekly term deposits is 10 million VND. Term deposits will not be subject to monthly and quarterly interest periods.

- According to NHNN regulations, customers must notify the bank at least 1 day in advance for early withdrawals. If conditions are met, ACB may provide immediate payment to customers on the same working day.

- Within 7 days from the account opening date, customers will not earn interest. However, if customers withdraw funds within 2 days from the account opening date, they will be charged counting fees as regulated. Early withdrawal interest rate for VND: 0.3% per annum.

* Non-term deposits, salary accounts, and direct investment deposit accounts:

2. Interest rates in VND applicable in other regions

* Fixed-term deposits:

- Fixed-term deposits, Traditional term deposits, 20-Month Savings, and Đại Lộc Savings

- Business accounts:

- Secure Savings:

- Other types of savings deposits such as Tiny Angel accumulation and settling for career development:

* Non-term deposits, salary accounts, and direct investment deposits:

- The minimum deposit amount applicable to weekly term deposits is 10 million VND. Payment Deposits with terms are not eligible for monthly and quarterly interest rates. If withdrawing before the deadline in VND, customers will incur a 0.3% annual interest rate.

- According to SBV regulations, if customers wish to withdraw before maturity, they must notify the bank at least 1 day in advance.

- In the event that customers withdraw funds within 2 days from the account opening date, they will be subject to counting fees as per regulations. If funds are withdrawn within 7 days from the account opening date, customers will not receive any interest.

3. Online deposit interest rates:

* Deposits for specific terms

* Deposits with optional terms

Note:

II. Loan interest rates at ACB Bank:

1. Business Loans

When it comes to business loans, customers can enjoy numerous benefits but must adhere to certain regulations of the business loan form.

- Each customer can borrow up to 10 billion VND depending on the business production plan. - The business loan interest rate is quite competitive and calculated on the actual outstanding balance (decreasing balance). - The loan period for each item and the maximum grace period is 84 months. - Interest for business loans will be paid monthly or periodically every 6 months according to the equal installment method or increasing installment method by 10-20% per year.

2. Home Purchase Loans (Investment in Fixed Assets)

- Each customer can borrow money based on the value of the house, land, production and business plan, or the value of the collateral. The loan method is based on individual disbursement. - The loan term for purchasing houses, land, constructing workshops, warehouses, and offices is up to 120 months, and for repairing these locations, it is 84 months. - The maximum grace period for repaying the principal for home purchase loans is 12 months. - Interest is paid monthly and the principal can be repaid monthly or periodically every 6 months or less according to the equal installment method or increasing installment method by 10-20% per year.

3. Personal Loans

- Flexible personal loan interest rates starting from 0.75% per month
- Personal loan tenure can extend up to 10 years
- There's a provision where early repayment within 5 years incurs no fees. Additionally, if customers pay a maximum of 20 million VND per month to shorten the repayment period, they won't face fees or penalties.

ACB Bank offers interest rates tailored to various loan types, catering well to different customer segments. Hence, whether you're in need of a loan or considering savings, thorough understanding of ACB Bank's interest rates can ensure you establish a sound financial source.

Please note, before proceeding with any deposit or loan transactions, ensure you're aware of ACB Bank's operating hours, as there might be instances where the bank doesn't operate on Saturdays or closes late. Therefore, it's crucial to accurately monitor and remember ACB Bank's operating hours.

Currently, banks such as ACB, BIDV, Agribank, and others operate on different working hours. Therefore, if you're using ACB's services, remembering ACB's operating hours will facilitate smoother transactions for you.

Frequently Asked Questions

What are the deposit interest rates at ACB Bank for VND accounts?

ACB Bank offers various deposit interest rates for VND accounts, especially for fixed-term deposits in major cities like Hanoi and Ho Chi Minh City. The minimum deposit amount is 10 million VND, and terms can vary. Be aware that early withdrawals may incur penalties, and you must notify the bank one day in advance to access your funds before maturity.

How do the loan interest rates at ACB Bank compare for different loan types?

ACB Bank provides competitive loan interest rates across various types of loans, including business loans, home purchase loans, and personal loans. For instance, personal loans start at 0.75% per month, while business loans are based on the actual outstanding balance. Each loan type has unique terms, so it's essential to evaluate your needs against the available options.

What are the requirements for early withdrawal of funds from ACB Bank?

To withdraw funds early from ACB Bank, you must notify the bank at least one day in advance. The early withdrawal interest rate for VND accounts is set at 0.3% per annum. Additionally, if you withdraw within two days of account opening, fees may apply, and no interest will be earned if funds are taken out within seven days of opening.

Can you explain the features of personal loans at ACB Bank?

Yes, personal loans at ACB Bank offer flexible interest rates starting from 0.75% per month, with terms extending up to 10 years. Customers can repay the principal monthly or every six months, and there are no fees for early repayment within the first five years. Additionally, customers can pay up to 20 million VND monthly without facing penalties, allowing for better financial management.

What should customers know about ACB Bank's operating hours before visiting?

It's important for customers to be aware that ACB Bank may not operate on Saturdays and has varying closing times. Knowing the bank's operating hours can help ensure smoother transactions and better planning for deposit or loan services. Always check the latest information on working hours, especially if visiting during weekends or holidays.

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