Data edition 08 Oct 2026

Interest rates OCB

Ngân hàng TMCP Phương Đông

Market rate

Highest market rate · 12 months · recorded 05 Oct

8.00%/yr +0.6 pts

80,000,000 VND in interest at maturity

if the bank applies this rate to your VND 1 billion deposit

Deposit tier: from VND 100 million
Region: not stated
Source: Rate poster image · sources: 1 · read 05 Oct · 21:02

The bank does not publish this rate on its official site — this is a market rate, not a published rate.

Published rates

Highest published rate · 12 months

7.40%/yr

74,000,000 VND in interest at maturity

above 11,500,000 VND compared with the market median (6.25%/yr)

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

Mức niêm yết cao nhất của OCB hôm nay là 7.40%/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 74,000,000 đ tiền lãi.

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

3-month term: 4.75%/yr 0.06 pts above the market median
6-month term: 7.20%/yr 1.1 pts above the market median
12-month term: 7.40%/yr 1.15 pts above the market median

Term curve

The highest rate OCB publishes at each term · vertical axis 4.75–7.4 %/yr · horizontal axis ordered by term

How much interest would you earn at OCB?

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

6-month term · 7.20%

100,000,000 VND: +3,600,000 VND
500,000,000 VND: +18,000,000 VND
1,000,000,000 VND: +36,000,000 VND

12-month term · 7.40%

100,000,000 VND: +7,400,000 VND
500,000,000 VND: +37,000,000 VND
1,000,000,000 VND: +74,000,000 VND

Another amount: open the interest calculator →

01 Market rates actually quoted at OCB

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 — OCB 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.

12 rows can be matched against the rate OCB publishes for the same term. Each row states the deposit tier, the region, the confidence label and the time the post was read.

Market rates recorded by the survey, with region and time read
Term	Market rate	Date	Time
6 months	9.20	05 Oct	21:02
6 months	9.20	06 Oct	14:07
6 months	9.10	08 Oct	11:27
6 months	9.20	03 Oct	21:30
7 months	7.30	04 Oct	21:29
12 months	8.00	05 Oct	21:02
12 months	7.70	04 Oct	21:29
18 months	7.60	05 Oct	21:33
24 months	8.00	05 Oct	21:02
24 months	7.60	05 Oct	21:33
36 months	8.00	05 Oct	21:02
36 months	9.00	04 Oct	21:29

A further 3 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	9.70conditional maximum	the post states no term — it cannot be cross-checked against a published rate	08 Oct	10:18
not stated	8.70	the post states no term — it cannot be cross-checked against a published rate	29 Sep	10:45
not stated	9.00	the post states no term — it cannot be cross-checked against a published rate	03 Oct	08:56

02 OCB 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 101 rows rather than collapsing them into one representative figure — the Conditions column says who each rate applies to.

Full rate sheet 101 rows · every channel, payout option and condition

OCB deposit rates by term
Term	Interest rates	Channel	Interest paid	Conditions	Source
1 month	4.75	in branch	at maturity	type: Tiền gửi có kỳ hạn	two sources agree Source ocb.com.vn Source page read at 12:05 on 18 Sep 2026 (Vietnam time) Channel in branch Interest paid at maturity Conditions (original, Vietnamese) type: Tiền gửi có kỳ hạn Cross-check Confirmed by a second source
	4.75	in branch	at maturity	type: Tiết kiệm thông thường	two sources agree Source ocb.com.vn Source page read at 12:05 on 18 Sep 2026 (Vietnam time) Channel in branch Interest paid at maturity Conditions (original, Vietnamese) type: Tiết kiệm thông thường Cross-check Confirmed by a second source
	4.75	online	at maturity	type: Tiết kiệm Online	two sources agree Source ocb.com.vn Source page read at 12:05 on 18 Sep 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) type: Tiết kiệm Online Cross-check Confirmed by a second source
	4.75	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Online Cross-check Recorded from the bank's published page; no second source yet
	4.75	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, cuối kỳ Cross-check Recorded from the bank's published page; no second source yet
	4.73	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, đầu kỳ Cross-check Recorded from the bank's published page; no second source yet
2 months	4.75	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Online Cross-check Recorded from the bank's published page; no second source yet
	4.75	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, cuối kỳ Cross-check Recorded from the bank's published page; no second source yet
	4.74	—	periodic	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid periodic Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, hàng tháng Cross-check Recorded from the bank's published page; no second source yet
	4.71	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, đầu kỳ Cross-check Recorded from the bank's published page; no second source yet
3 months	4.75	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Online Cross-check Recorded from the bank's published page; no second source yet
	4.75	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, cuối kỳ Cross-check Recorded from the bank's published page; no second source yet
	4.73	—	periodic	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid periodic Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, hàng tháng Cross-check Recorded from the bank's published page; no second source yet
	4.69	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, đầu kỳ Cross-check Recorded from the bank's published page; no second source yet
4 months	4.75	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Online Cross-check Recorded from the bank's published page; no second source yet
	4.75	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, cuối kỳ Cross-check Recorded from the bank's published page; no second source yet
	4.72	—	periodic	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid periodic Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, hàng tháng Cross-check Recorded from the bank's published page; no second source yet
	4.67	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, đầu kỳ Cross-check Recorded from the bank's published page; no second source yet
5 months	4.75	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Online Cross-check Recorded from the bank's published page; no second source yet
	4.75	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, cuối kỳ Cross-check Recorded from the bank's published page; no second source yet
	4.71	—	periodic	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid periodic Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, hàng tháng Cross-check Recorded from the bank's published page; no second source yet
	4.65	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, đầu kỳ Cross-check Recorded from the bank's published page; no second source yet
6 months	7.20	—	at maturity	At maturity · read from the PDF, source…	receipt Source webocb-api.ocb.com.vn Source page read at 00:49 on 21 Sep 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) At maturity · read from the PDF, source line: 6 tháng 7.20 Cross-check Recorded from the bank's published page; no second source yet
	6.50	online	at maturity	type: Tiết kiệm Online	two sources agree Source ocb.com.vn Source page read at 12:05 on 18 Sep 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) type: Tiết kiệm Online Cross-check Confirmed by a second source
	6.40	in branch	at maturity	type: Tiền gửi có kỳ hạn	two sources agree Source ocb.com.vn Source page read at 12:05 on 18 Sep 2026 (Vietnam time) Channel in branch Interest paid at maturity Conditions (original, Vietnamese) type: Tiền gửi có kỳ hạn Cross-check Confirmed by a second source
	6.40	in branch	at maturity	type: Tiết kiệm thông thường	two sources agree Source ocb.com.vn Source page read at 12:05 on 18 Sep 2026 (Vietnam time) Channel in branch Interest paid at maturity Conditions (original, Vietnamese) type: Tiết kiệm thông thường Cross-check Confirmed by a second source
7 months	6.40	—	at maturity	above VND 500 million…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Online, trên 500 triệu Cross-check Recorded from the bank's published page; no second source yet
	6.30	—	at maturity	500M…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Online, 100-500 triệu Cross-check Recorded from the bank's published page; no second source yet
	6.20	—	at maturity	under VND 100 million…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Online, dưới 100 triệu Cross-check Recorded from the bank's published page; no second source yet
	6.20	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, cuối kỳ Cross-check Recorded from the bank's published page; no second source yet
	6.10	—	periodic	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid periodic Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, hàng tháng Cross-check Recorded from the bank's published page; no second source yet
	5.98	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, đầu kỳ Cross-check Recorded from the bank's published page; no second source yet
8 months	6.40	—	at maturity	above VND 500 million…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Online, trên 500 triệu Cross-check Recorded from the bank's published page; no second source yet
	6.30	—	at maturity	500M…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Online, 100-500 triệu Cross-check Recorded from the bank's published page; no second source yet
	6.20	—	at maturity	under VND 100 million…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Online, dưới 100 triệu Cross-check Recorded from the bank's published page; no second source yet
	6.20	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, cuối kỳ Cross-check Recorded from the bank's published page; no second source yet
	6.09	—	periodic	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid periodic Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, hàng tháng Cross-check Recorded from the bank's published page; no second source yet
	5.95	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, đầu kỳ Cross-check Recorded from the bank's published page; no second source yet
9 months	6.40	—	at maturity	above VND 500 million…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Online, trên 500 triệu Cross-check Recorded from the bank's published page; no second source yet
	6.30	—	at maturity	500M…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Online, 100-500 triệu Cross-check Recorded from the bank's published page; no second source yet
	6.20	—	at maturity	under VND 100 million…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Online, dưới 100 triệu Cross-check Recorded from the bank's published page; no second source yet
	6.20	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tiết kiệm tích lũy Điện tử, từ 180 ngày Cross-check Recorded from the bank's published page; no second source yet
	6.20	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, cuối kỳ Cross-check Recorded from the bank's published page; no second source yet
	6.10	—	periodic	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid periodic Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, hàng quý Cross-check Recorded from the bank's published page; no second source yet
	6.07	—	periodic	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid periodic Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, hàng tháng Cross-check Recorded from the bank's published page; no second source yet
	5.92	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, đầu kỳ Cross-check Recorded from the bank's published page; no second source yet
	5.70	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tiết kiệm tích lũy Phương Đông, từ 183 ngày Cross-check Recorded from the bank's published page; no second source yet
10 months	6.40	—	at maturity	above VND 500 million…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Online, trên 500 triệu Cross-check Recorded from the bank's published page; no second source yet
	6.30	—	at maturity	500M…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Online, 100-500 triệu Cross-check Recorded from the bank's published page; no second source yet
	6.20	—	at maturity	under VND 100 million…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Online, dưới 100 triệu Cross-check Recorded from the bank's published page; no second source yet
	6.20	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, cuối kỳ Cross-check Recorded from the bank's published page; no second source yet
	6.06	—	periodic	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid periodic Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, hàng tháng Cross-check Recorded from the bank's published page; no second source yet
	5.89	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, đầu kỳ Cross-check Recorded from the bank's published page; no second source yet
11 months	6.40	—	at maturity	above VND 500 million…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Online, trên 500 triệu Cross-check Recorded from the bank's published page; no second source yet
	6.30	—	at maturity	500M…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Online, 100-500 triệu Cross-check Recorded from the bank's published page; no second source yet
	6.20	—	at maturity	under VND 100 million…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Online, dưới 100 triệu Cross-check Recorded from the bank's published page; no second source yet
	6.20	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, cuối kỳ Cross-check Recorded from the bank's published page; no second source yet
	6.04	—	periodic	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid periodic Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, hàng tháng Cross-check Recorded from the bank's published page; no second source yet
	5.86	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, đầu kỳ Cross-check Recorded from the bank's published page; no second source yet
12 months	7.40	—	at maturity	At maturity · read from the PDF, source…	receipt Source webocb-api.ocb.com.vn Source page read at 00:49 on 21 Sep 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) At maturity · read from the PDF, source line: 12 tháng 7.40 Cross-check Recorded from the bank's published page; no second source yet
	6.80	online	at maturity	type: Tiết kiệm Online	two sources agree Source ocb.com.vn Source page read at 12:05 on 18 Sep 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) type: Tiết kiệm Online Cross-check Confirmed by a second source
	6.70	in branch	at maturity	type: Tiền gửi có kỳ hạn	two sources agree Source ocb.com.vn Source page read at 12:05 on 18 Sep 2026 (Vietnam time) Channel in branch Interest paid at maturity Conditions (original, Vietnamese) type: Tiền gửi có kỳ hạn Cross-check Confirmed by a second source
	6.70	in branch	at maturity	type: Tiết kiệm thông thường	two sources agree Source ocb.com.vn Source page read at 12:05 on 18 Sep 2026 (Vietnam time) Channel in branch Interest paid at maturity Conditions (original, Vietnamese) type: Tiết kiệm thông thường Cross-check Confirmed by a second source
13 months	6.70	—	at maturity	above VND 500 million…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Online, trên 500 triệu Cross-check Recorded from the bank's published page; no second source yet
	6.60	—	at maturity	500M…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Online, 100-500 triệu Cross-check Recorded from the bank's published page; no second source yet
	6.50	—	at maturity	under VND 100 million…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Online, dưới 100 triệu Cross-check Recorded from the bank's published page; no second source yet
	6.50	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, cuối kỳ Cross-check Recorded from the bank's published page; no second source yet
	6.29	—	periodic	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid periodic Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, hàng tháng Cross-check Recorded from the bank's published page; no second source yet
	6.07	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, đầu kỳ Cross-check Recorded from the bank's published page; no second source yet
15 months	6.70	—	at maturity	above VND 500 million…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Online, trên 500 triệu Cross-check Recorded from the bank's published page; no second source yet
	6.60	—	at maturity	500M…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Online, 100-500 triệu Cross-check Recorded from the bank's published page; no second source yet
	6.50	—	at maturity	under VND 100 million…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Online, dưới 100 triệu Cross-check Recorded from the bank's published page; no second source yet
	6.50	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, cuối kỳ Cross-check Recorded from the bank's published page; no second source yet
	6.29	—	periodic	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid periodic Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, hàng quý Cross-check Recorded from the bank's published page; no second source yet
	6.26	—	periodic	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid periodic Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, hàng tháng Cross-check Recorded from the bank's published page; no second source yet
	6.01	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, đầu kỳ Cross-check Recorded from the bank's published page; no second source yet
18 months	6.90	—	at maturity	above VND 500 million…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Online, trên 500 triệu Cross-check Recorded from the bank's published page; no second source yet
	6.80	—	at maturity	500M…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Online, 100-500 triệu Cross-check Recorded from the bank's published page; no second source yet
	6.70	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Chứng chỉ tiền gửi Cross-check Recorded from the bank's published page; no second source yet
	6.70	—	at maturity	under VND 100 million…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Online, dưới 100 triệu Cross-check Recorded from the bank's published page; no second source yet
21 months	7.00	—	at maturity	above VND 500 million…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Online, trên 500 triệu Cross-check Recorded from the bank's published page; no second source yet
	6.90	—	at maturity	500M…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Online, 100-500 triệu Cross-check Recorded from the bank's published page; no second source yet
	6.80	—	at maturity	under VND 100 million…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Online, dưới 100 triệu Cross-check Recorded from the bank's published page; no second source yet
	6.80	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, cuối kỳ Cross-check Recorded from the bank's published page; no second source yet
	6.47	—	periodic	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid periodic Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, hàng quý Cross-check Recorded from the bank's published page; no second source yet
	6.44	—	periodic	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid periodic Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, hàng tháng Cross-check Recorded from the bank's published page; no second source yet
	6.07	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tại quầy, đầu kỳ Cross-check Recorded from the bank's published page; no second source yet
24 months	7.10	—	at maturity	above VND 500 million…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Online, trên 500 triệu Cross-check Recorded from the bank's published page; no second source yet
	7.00	—	at maturity	500M…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Online, 100-500 triệu Cross-check Recorded from the bank's published page; no second source yet
	6.90	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Chứng chỉ tiền gửi Cross-check Recorded from the bank's published page; no second source yet
	6.90	—	at maturity	under VND 100 million…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Online, dưới 100 triệu Cross-check Recorded from the bank's published page; no second source yet
	6.90	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tiết kiệm tích lũy Điện tử, từ 180 ngày Cross-check Recorded from the bank's published page; no second source yet
	6.50	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tiết kiệm tích lũy Phương Đông, từ 183 ngày Cross-check Recorded from the bank's published page; no second source yet
36 months	7.30	—	at maturity	above VND 500 million…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Online, trên 500 triệu Cross-check Recorded from the bank's published page; no second source yet
	7.20	—	at maturity	500M…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Online, 100-500 triệu Cross-check Recorded from the bank's published page; no second source yet
	7.10	—	at maturity	under VND 100 million…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Online, dưới 100 triệu Cross-check Recorded from the bank's published page; no second source yet
	7.10	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tiết kiệm tích lũy Điện tử, từ 180 ngày Cross-check Recorded from the bank's published page; no second source yet
	6.90	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tiết kiệm lãi suất thả nổi Cross-check Recorded from the bank's published page; no second source yet
	6.70	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tiết kiệm tích lũy Phương Đông, từ 183 ngày Cross-check Recorded from the bank's published page; no second source yet
60 months	7.10	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tiết kiệm tích lũy Điện tử, từ 180 ngày Cross-check Recorded from the bank's published page; no second source yet
	6.70	—	at maturity	read from the PDF by vision; two passes…	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Tiết kiệm tích lũy Phương Đông, từ 183 ngày Cross-check Recorded from the bank's published page; no second source yet

OCB pays 7.4%/yr on the 12-month term.
OCB publishes 19 terms, from 1 to 60 months.
OCB's base lending rate is 9.75%/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: 2.35 percentage points.

03 OCB 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.

OCB lending rates by type
Rate type	Rate	Notes	Source
Reference rate	9.75–9.85	2 published rates · kỳ hạn 12 tháng 9.75% · kỳ điều chỉnh 6…	receipt Source webocb-api.ocb.com.vn Source page read at 02:33 on 10 Sep 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.

OCB priority banking requirements

OCB Priority Banking — Gold / Diamond / Diamond Elite

—No public threshold found

3 đặc quyền

Chuyên viên quan hệ khách hàng riêng, hotline 1800 6678 (24/7)
Thẻ OCB Mastercard Priority miễn phí thường niên (thẻ chính + thẻ phụ)
Chương trình 'Đặc quyền Kim Cương 2026' (ra mắt 19/05/2026), 3 gói Diamond / Elite / Infinite: ~1.200 phòng chờ sân bay toàn cầu, nhà hàng Michelin/omakase, du thuyền, khám sức khoẻ tại Việt Nam và Singapore, khách sạn 4–5 sao Đông Nam Á, golf, quà Minh Long; đặt trên app OCB OMNI

Secondary source · Source · checked 18 Sep 2026

Compare priority thresholds at 23 banks →

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

Follow interest rates

Zalo OA Ask directly and get the rate bulletin
Fanpage Rate tables and analysis on Facebook
TikTok The rate bulletin as video, one format a day
YouTube Top-5 tables as Shorts, still checkable days later