Techcombank’s interest rate structure is tailored to four distinct customer segments: Private, Priority, Inspire, and Regular, with noticeable variations in rates, particularly for short-term deposits and premium clients.
Counter Deposit Rates
The Private segment enjoys the highest rates, ranging from 3.90–5.20% per annum, depending on the term. Specifically, 1–2 month terms offer 3.90% p.a.; 3–5 months yield 4.30% p.a.; 6–11 months rise to 5.10% p.a.; and 12–36 months peak at 5.20% p.a., the highest across all counter rates. This group benefits from priority rates, surpassing Regular customers by 0.15–0.40 percentage points across most terms.
The Priority group’s rates are slightly lower than Private but still competitive. Rates for 1–2 months cap at 3.80% p.a.; 3–5 months at 4.20% p.a.; 6–11 months at 5.00% p.a.; and 12–36 months at 5.10% p.a. Generally, Priority rates are 0.10 percentage points below Private but outpace Inspire and Regular customers by 0.15–0.25 percentage points.
The Inspire and Regular segments, catering to mid-tier clients, offer attractive rates. The 1–2 month term peaks at 3.65% p.a.; 3–5 months at 4.05% p.a.; 6–11 months at 4.85% p.a.; and 12–36 months at 4.95% p.a. Compared to Priority, rates are approximately 0.15 percentage points lower, and 0.25–0.35 percentage points below Private, depending on the term.
Source: Techcombank
Online Deposit Rates
Online rates surpass counter rates across all terms, with the same four customer tiers. The Private segment leads with 1–2 month rates at 4.10% p.a.; 3–5 months at 4.75% p.a.; 6–11 months at 5.30% p.a.; and 12–36 months at 5.40% p.a., the highest system-wide. Online Private rates exceed counter rates by 0.20 percentage points for many terms, maintaining a consistent advantage over other groups.
The Priority group’s online rates are 4.00% p.a. for 1–2 months; 4.70% p.a. for 3–5 months; 5.20% p.a. for 6–11 months; and 5.30% p.a. for 12–36 months. While 0.10 percentage points below Private, these rates still outperform Inspire and Regular customers across all terms.
The Inspire and Regular segments offer 3.95% p.a. for 1–2 months; 4.65% p.a. for 3–5 months; 5.15% p.a. for 6–11 months; and 5.25% p.a. for 12–36 months.
Source: Techcombank
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