There is no bank recommended for a higher interest rate on deposits

Personal ordinary deposits include: current deposits, fixed ordinary (personal) deposits, large-amount certificates of deposit, structured deposits, smart deposits, call deposits, etc., and the interest rate of each product is slightly different.

Generally speaking, small and medium-sized banks will have higher deposit interest rates than large banksBecause small and medium-sized banks, especially urban commercial banks, have a weak ability to absorb public and private savings, they can only attract funds through higher interest rates.

Fixed deposits: At present, the current interest rates for demand deposits are as follows: The benchmark interest rates for one-year, two-year, three-year and more than three-year fixed deposits are ., respectively75%。

At present, large banks basically implement the benchmark interest rate, while small and medium-sized banks have basically risen, and the interest rate on 3 to 5-year fixed deposits is generally around 3% to 3%.

Large-amount certificates of deposit: The minimum purchase threshold is high, generally 200,000 yuan is required, and the interest rate is about 4%, and the interest rate of large-amount deposit products of small and medium-sized banks will be higher.

Structured deposits: financial derivatives (including but not limited to forwards, swaps, options or **, etc.) are embedded on the basis of ordinary deposits, and the income is linked to interest rates, exchange rates, commodities, credit, indices and other financial or non-financial subject matter, and the "interest rate" is about 5%, but it does not promise to have a certain "risk".

Smart deposit: It is an ordinary personal deposit, which enjoys the protection of deposit insurance, and according to the provisions of the "Deposit Insurance Law", an individual can enjoy 100% compensation within 500,000 yuan for ordinary deposits in a single bank. It has the advantages of high liquidity (interest can be calculated in different tranches or withdrawn in advance), and the interest rate is higher than that of general time deposits.

At present, many small and medium-sized banks have issued smart deposit products, which are generally sold through cooperative Internet platforms.

There are some smart deposits issued by banks on the platform, such as the "Zhongbang Duo Bangli" bank deposit product, which calculates interest by file, the highest withdrawal yield, the interest rate from the day of transfer, no restriction on holidays, real-time arrival on the day of withdrawal, support for withdrawal at any time, no limit limit.

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Which bank is suitable for bank fixed deposit? Which banks have higher interest rates.

If the deposit interest rate is high, you can consider a large certificate of deposit.

The interest on fixed deposits is the highest in Japan Post Bank.

The interest rate of postal banks from three months to five years is significantly higher than that of the five major banks, especially the three-year term interest rate; The second is that the interest rate of CCB is relatively high.

If you really want to earn more interest on the same amount of money, you can choose a commercial bank other than these ones. For example, China Everbright Bank, China Merchants Bank, etc. These commercial bank customers are not as able to attract savings as the big domestic banks, so the interest rate on bank deposits will be higher.

There are also a number of local banks. These banks are named after the cities where they are located, such as Bank of Beijing, Bank of Chongqing, etc. Because banks with large deposits are certainly people's first choice, these local banks have no source of savings, so they will give higher interest rates to attract customers to save business.

Precautions: 1. All formal savings institutions have the "Financial Business License" issued by the local People's Bank of China. In addition, depositors should try to choose a bank with an electronic monitoring system, which can be detected from the video footage of the banking department in case someone else makes a fraudulent withdrawal.

2. Depositors should use their real names when saving. In the unlikely event of loss of the certificate of deposit or passbook, the depositor must present an identity document that matches the name on the certificate or passbook in order to apply to the bank to report the loss. If a pseudonym is used, the original creditor-debtor relationship between the depositor and the bank is no longer protected by law.

This relationship can only be re-established after further verification by the bank and the public security department.

Banks with high interest on deposits: Postal Bank, Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, and China Construction Bank.

1. Postal Bank. The highest interest rate is the Postal Savings Bank, only the current account is the same as the other five major banks, and the interest rate from three months to five years is significantly higher than that of the five major banks, especially the three-year term is very obvious. 2. Industrial and Commercial Bank of China.

The interest rate of ICBC's demand deposit is six months, and the interest rate of five years and three years is relatively high compared with other banks. Abc. The interest rate of the Agricultural Bank of China for three months, six months, one year, and two years is the same as that of the Industrial and Commercial Bank of China, but the interest rate of the Agricultural Bank of China for three years and five years is relatively low.

The highest interest on RMB deposits is the Russian Bank for Foreign Trade and Economic Cooperation, with an annualized interest rate of 8%. Affected by war and Western sanctions. Russian banks have raised interest rates on RMB deposits, giving higher interest rates than their own banks.

It is true that the postal bank is high.

into 10,000 yuan, which bank is the highest.

You go to the river, it's cool there.

Banks with high interest rates on fixed deposits: Postal Savings Bank, Minsheng Bank, urban commercial banks, rural commercial banks, credit cooperatives, and private banks.

1. At present, there are six large state-owned commercial banks in China, namely Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China, Bank of China, Bank of Communications and Postal Savings Bank. Among them, the interest rate on deposits established by the workers and peasants is relatively low, and it is also the type of bank with the lowest deposit interest rate in the market at present, and the highest interest rate on ordinary deposits of these major banks is only about three years, and the interest rate on large-amount certificates of deposit is only about about that. Relatively speaking, the deposit interest rate of the Postal Savings Bank is relatively high, and the current three-year interest rate of the ordinary deposit of the Postal Savings Bank can be given about that, and this interest rate is much higher than that of the other five major banks.

2. Joint-stock banks include China Merchants Bank, Industrial Bank, Minsheng Bank, etc., the current deposit interest rate of these banks is similar to that of large state-owned banks, and the deposit interest rate of individual outlets will be slightly higher than that of large state-owned banks, but most of them are actually similar to the interest rates of several major state-owned banks, the interest rate of ordinary deposits is about between, and the interest rate of large-amount certificates of deposit is probably around.

3. At present, the deposit interest rate of city commercial banks is higher than that of other large banks, these banks mainly serve the region, and the customer groups are mainly in the region, in order to be able to compete with other large banks, their floating interest rates will be higher. For example, at present, some urban commercial banks can give about a three-year ordinary deposit interest rate, and even some banks can give it.

5. If you want to say that the bank with the highest deposit interest rate, it is none other than private banks, which are a type of bank that has only emerged in recent years, and these banks have few outlets and small scale, so in order to absorb more deposits, they will generally give higher interest. Especially in the past two years, the smart deposit interest rate launched by some banks is more attractive, and the five-year smart deposit maturity interest rate of some banks can reach about it, these deposits can be withdrawn in advance, and the early withdrawal is timed, and some banks can get an interest rate of more than 4% for early withdrawal after more than one year, and this interest is still very considerable.

Hello dear. The deposit interest rate of Postal Bank, Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, and China Construction Bank is a little higher. 1. The highest interest rate of the Postal Bank is the Postal Savings Bank, only the current account is the same as the other five major banks, and the interest rate is obviously higher than that of the five major banks in terms of regular interest from three Cha to five years, especially the three-year regular interest is very obvious.

2. The interest on ICBC's demand deposit is within zhidao, the interest on the fixed six-month is within zhidao, and the interest on the fixed five-year and three-year interest is relatively high compared with other banks. 3. The interest of the Agricultural Bank of China's Agricultural Bank of China's deposit demand, as well as the interest of three months, six months, one year, and two years is the same as that of the Industrial and Commercial Bank of China, but the interest of the Agricultural Bank of China for three years and five years is relatively low. 4. The deposit interest of Bank of China Bank of China is the same as that of Agricultural Bank of China, whether it is current or fixed, so it can be deposited in Agricultural Bank of China or Bank of China at will.

Hello, banks with high interest on deposits: Postal Bank, Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank. 1. The highest interest rate of the Postal Bank is the Postal Savings Bank, only the current account is the same as the other five major banks, and the interest rate from three months to five years is obviously higher than that of the five major banks, especially the three-year term is very obvious.

2. The interest rate of ICBC's current deposit is zhidao, the interest rate of the fixed six-month is zhidao, and the interest of the fixed five-year and three-year interest is, compared with other banks, the interest is higher than that of the Zhaozhao clan. 3. The interest of the Agricultural Bank of China Agricultural Bank of China is the same as that of the Industrial and Commercial Bank of China, but the interest of the Agricultural Bank of China for three years and five years is relatively low. 4. The deposit interest of Bank of China Bank of China is the same as that of Agricultural Bank of China, whether it is current or fixed, so you can deposit in either Agricultural Bank of China or Bank of China.

Summary. 2.ICBC: ICBC's current interest is, the interest on the fixed deposit is 6 months, and the interest on the fixed deposit for 5 years and 3 years is higher, which is higher than that of other banks.

Hello, dear, the banks with high interest on deposits are: Postal Bank, Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, and China Construction Bank. 1.

Postal Bank: The largest interest rate is the Postal Bank, only the current account is the same as the other five major banks, and the interest rate from 3 months to 5 years of deposit is significantly higher than that of the five major banks, especially the 3-year term before deposit.

2.ICBC: ICBC current socks take interest, limb transport deposit term 6 months interest calendar good Liang interest, and deposit term 5 years and 3 years of interest, compared with other banks, the interest is considered higher.

3.Agricultural Bank of China: The interest rate of Yanchengxiang Agricultural Bank's deposit demand, as well as the deposit term of 3 months, 6 months, 1 year, and 2 years, is the same as that of ICBC, but the interest of Agricultural Bank of China's deposit term of 3 years and 5 years is relatively low, and there is only rough fighting.

4.Bank of China: The interest rate of Bank of China's deposits is the same as that of the Agricultural Bank of China, whether it is current or fixed, so it can be deposited in the Agricultural Bank of China or the Bank of China.

Answer: Hello, for some small banks, the interest rate they give is generally relatively high, and there are mainly the following types of such banks.

1. Rural commercial banks.

Rural commercial banks also include rural credit cooperatives, these banks mainly serve customers in the region, their service scope is relatively limited, and the scope of deposit absorption is also limited, so under normal circumstances, such banks give relatively high deposit interest rates.

2. Village and township banks.

Village and township banks are the banks with the largest number of legal entities in China, but the scale of these banks is generally relatively small, so the interest rates they give on deposits are generally relatively high, and the interest rates given by some village and township banks are even higher than those given by the rural credit system.

For example, in March 2021, a netizen once revealed that he deposited money in a village bank in Henan at the end of 2020, and its interest rate was as high as that, which is estimated to be the highest interest rate in the market.

3. Private banks.

Private banks are a type of bank that has only emerged in recent years, and it has only been about 7 years so far, and it is precisely because of the short time of establishment, and many private banks do not have too many outlets, most banks only have one or two outlets, and many banks even only conduct business through the Internet, so the channels for absorbing deposits are relatively limited.

Therefore, in order to absorb more deposits, the deposit interest rates given by these private banks are relatively high, for example, in the past few years, the smart deposits launched by these private banks are very popular, and some private banks have launched 5-year smart deposits, and the maturity interest rate can reach 5%, and the interest rate can reach more than 4% when withdrawn in advance after one year.

It's just that since 2019, China's regulatory authorities have intensified their crackdown on these smart deposits, so after entering 2020, these smart deposits have basically disappeared, but at present, some special deposit interest rates launched by many private banks are still relatively high, and the 5-year deposit interest rate of individual banks can be reached.

Hello, the rural credit cooperatives have the highest deposit interest, followed by the Postal Savings Bank, and the lowest is the Agricultural Bank, because the Postal Savings Bank is the younger brother of the Agricultural Bank, so it will naturally increase the deposit interest rate to collect savings and maintain operations

Domestic banks are generally divided into 369 and so on, which means that they are divided into policy banks, state-owned banks, joint-stock banks, urban commercial banks, rural commercial banks, etc., all of which will have different advantages and disadvantages. However, if we take the bank fixed deposit interest rate as the starting point, the higher the bank, the lower the deposit interest rate; Conversely, the lower the rating of the bank, the higher the deposit rate

Hope mine is helpful to you

Summary. Dear, glad to answer for you! Bank of China's deposit interest rate is a little higher, as follows:

1. Current: 2. Lump sum deposit and withdrawal: three-month interest rate, half-year interest rate, one-year interest rate, two-year interest rate, three-year interest rate, five-year interest rate; 3. Deposit and withdrawal, deposit and withdrawal, deposit and interest

The one-year interest rate is, the three-year interest rate is, and the five-year interest rate is; 4. Fixed life and two pennies: 6% discount at the interest rate of the same grade according to the fixed deposit and whole withdrawal within one year; 5. Agreement deposits: 6. Call Deposit:

The one-day rate is, and the seven-day rate is.

I just want to ask which bank has a higher interest rate for a minimum deposit of 200,000 yuan.

Dear, glad to answer for you! The deposit interest rate of the Bank of China is a little higher, as follows: 1. Demand:

2. Lump sum deposit and withdrawal: three-month interest rate, half-year interest rate, one-year interest rate, two-year interest rate, three-year interest rate, five-year interest rate; 3. Fractional deposit and withdrawal, lump sum deposit and withdrawal, and interest on land deposit: one-year interest rate, three-year interest rate, and five-year interest rate; 4. Fix two pennies:

6% discount at the interest rate of the same grade for regular deposits within one year; 5. Agreement deposits: 6. Call deposit: the one-day interest rate is, and the seven-day interest rate is.

Dear, CCB is the highest. China Construction Bank: 200,000 deposits, the highest interest rate for 3 years is, pro, deposit interest refers to the interest paid by the bank to depositors.

The size of the deposit interest amount varies depending on the type of deposit and the length of the tenor. The longer the term of the deposit, the higher the depositor's interest income; Demand deposits are the most unstable, so the interest rate of the deposit is also the lowest.

What is the interest rate of SPD Bank.

Pro, the deposit interest rate of SPD Bank is as follows:1Demand deposits, the interest rate is:

2.Fixed deposits, lump sum deposits and withdrawals. (1) Deposit for three months, the interest rate is:

2) Deposit for six months, the interest rate is the judgment. (3) Deposit for one year at an interest rate. (4) Deposit for two years, the interest rate is.

5) Deposit for three years at an interest rate. (6) Deposit for five years, and the interest rate of orange digging orange is. 3.

Fractional deposit and withdrawal, lump sum deposit and withdrawal, principal deposit and interest. (1) Deposit for one year at an interest rate. (2) Deposit for three years, the interest rate is.

3) Wu Xiaocun for five years, the interest rate is. 4.Fixed two pence, according to the whole deposit within one year of the same period of interest rate discount.