How to make a good deal for bank deposits Choose which bank deposit has a high interest rate

Generally speaking, small and medium-sized banks will have higher deposit rates than large banks. Because large banks have enough outlets, they have a stronger ability to absorb public and private savings and lower costs, while small and medium-sized banks, especially urban commercial banks, have a weak ability to absorb public and private savings, so they can only attract funds through higher interest rates.

There are a number of current and fixed bank deposit products on the platform, including small and medium-sized banks, for users to choose according to their liquidity preferences.

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Interest on deposits must be included in the bank's operating costs. The size of the deposit interest amount varies depending on the type of deposit and the length of the term. The longer the maturity of the deposit, the more interest income the depositor, and since demand deposits are the most unstable, the depositor's interest income is also the lowest.

In some countries, commercial banks do not even pay interest on demand deposits.

Deposit Interest Deposit Principal Deposit Interest Rate Deposit Term Depending on the deposit term, there are also annual interest, monthly interest and daily interest rate.

The first thing to note is each.

Bank deposit rates.

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.

Bank of China. The deposit interest of 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 either Agricultural Bank of China or Bank of China.

China Construction Bank. The interest rate of CCB's fixed deposits for three months, six months, one year, and two years is higher than that of industry and commerce, agriculture, and Bank of China, but a little lower than that of postal services. And for three and five years, the interest is the lowest, only.

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.

First, the interest rate on fixed deposits of city banks is relatively high. For example, in the city of Shenyang, where Qu Ping is located, the city's city bank is Shengjing Bank. Shengjing Bank's three-month interest on fixed deposits is six-month fixed deposits, one-year fixed deposit interest is five-year deposits, and this can be done.

Compared with Shengjing Bank, ICBC has much less interest on fixed deposits. ICBC's interest on three-month time deposits is six months, one-year time deposits, and five years ago. It can be seen that the gap between the interest rate of fixed deposits between city banks and ICBC is huge.

Second, the interest rate on fixed deposits of rural commercial banks is not low. Compared with city banks, rural commercial banks have higher interest rates on fixed deposits. The so-called rural commercial banks are the former rural credit cooperatives.

Or take Shenyang City, where Qu Ping is located, as an example, the city's rural commercial bank is Shenyang Rural Commercial Bank. The interest rate of Shenyang Rural Commercial Bank is three-month fixed deposit, the interest rate of six-month fixed deposit is one-year fixed deposit, and the interest rate of five-year fixed deposit is as high as that. It can be seen that the interest rate on fixed deposits of rural commercial banks is higher than that of urban banks.

Third, the interest rate of Internet banks is also very high. Compared with traditional banks, Internet banks do not have business outlets, so it is more difficult to collect deposits, which means that they need higher interest rates. Taking the Internet bank fixed deposit on the Du Xiaoman financial platform as an example, the yield of the fixed deposit within one year is higher than that of urban banks and rural commercial banks.

For example, the interest on a six-month term fixed deposit and a twelve-month term interest rate for Zhenxing Bank is.

Finally, in addition to the relatively high interest rates on fixed deposits of urban banks, rural commercial banks and Internet banks, the interest rates of many wealth management products are good. If you buy financial products on big platforms such as Alipay, WeChat, and Du Xiaoman, the security is guaranteed, and there will be no losses! Interesting comments suggest that financial management should be diversified investment, and all funds cannot be placed in fixed deposits!

The interest rate of commercial banks is relatively high, such as Shanghai Pudong Development Bank, China Everbright Bank, etc., and the Postal Savings Bank of China is relatively high among the six major banks.

In the context of China's economic improvement, the safety factor of various commercial banks and foreign banks is the same as that of the six major banks, and there is not much difference.

The interest rates of all banks in China are established on the basis of the benchmark interest rates of the People's Bank of China, and there is still a certain deviation between the actual listed interest rates and the benchmark interest rates of major banks, and the interest rates in each place are also different.

Further information: Deposit refers to the temporary transfer or storage of funds or currency in a bank or other financial institution by the depositor under the condition of retention of ownership, or the temporary transfer of the right to use the funds or currency to a bank or other financial institution, which is the most basic and important financial behavior or activity, and is also the most important credit fund of the bank**.

Type of deposit. Deposits can be classified in a variety of ways, such as original deposits and derivative deposits according to the mode of generation, demand deposits, time deposits, fixed deposits and fixed deposits according to the maturity, and unit deposits and individual deposits according to the different depositors (taking China as an example). Personal deposits, i.e., resident savings deposits, are the currencies deposited by individual residents in banks.

Time deposit. It refers to a type of deposit in which the depositor can withdraw the money only on a specified date after the deposit or must notify the bank several days before the withdrawal is ready to be made, and the term can range from 3 months to 5 years and more than 10 years. In general, the longer the deposit term, the higher the interest rate.

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 deposit interest rate of the workers and peasants is relatively low, and it is also the lowest type of bank in the market at present.

The maximum three-year interest rate for ordinary deposits in these big banks is only about that, and the maximum interest rate for large certificates of deposit is only about that. Comparatively speaking, the deposit interest rate of the Postal Savings Bank is relatively high. At present, the three-year interest rate of ordinary deposits of the Postal Savings Bank can reach about that, which 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 rates of these banks are similar to those of large state-owned banks.

The deposit interest rates of some branches are slightly higher than those of the large state-owned banks, but most of them are actually similar to those of the major state-owned banks. The general deposit interest rate is around the same level, and the large certificate of deposit is around the same.

3.City Commercial Bank's current deposit interest rate is higher than that of other major banks. These banks mainly serve the local area, and the customer base is mainly local.

In order to compete with other big banks, their floating interest rates will be higher. For example, at present, the three-year ordinary deposit interest rate of some city commercial banks can reach about it, and even some banks can reach it.

4.Rural commercial banks and credit cooperatives are actually the same system. At present, the deposit interest rates of these banks are relatively high.

Of course, it also depends on the region where they are located, as deposit rates vary greatly from region to region. Like some rural commercial banks in remote areas, the 5-year interest rate can even be more than 5%, and the 3-year ordinary deposit interest rate can also be around the center.

5.If you want to say that the bank with the highest deposit interest rate, it is not the private bank. Private banks are a type of bank that has only emerged in recent years.

These banks have fewer branches, are smaller, and often offer higher interest rates in order to absorb more deposits. Especially in the last two years, some banks have launched smart deposit interest rates that are even more attractive. The maturity rate of the five-year Shendan smart deposit of some banks is about.

These deposits can be withdrawn in advance and at a timed basis. Some banks can deposit for more than one year and withdraw in advance, and the interest rate can be disturbed by the loss of more than 4%. This interest rate is still very impressive.