Which bank is the safest bank to deposit money with the highest interest?

Bank interest is generally set by the central bank, and it is about the same, and the general fixed interest is higher than the current interest. Considering the ease of using money, there are the following tips:

Tip 1: Pyramid savings method.

The pyramid savings method refers to the splitting of a fund into several parts according to the way from less to more, and depositing them in the bank for a fixed period of time, and when there is a small amount of capital demand, only a small share of the fixed deposit is withdrawn, so as to meet the demand for money and maximize the interest income.

For example, 100,000 yuan of funds, divided into 10,000 yuan, 20,000 yuan, 30,000 yuan and 40,000 yuan of four transactions, respectively to make a one-year time deposit, if the year is not due, need 10,000 yuan of emergency funds, then only need to take out 10,000 yuan of the four fixed deposits, the other three interest income is not affected.

This method is suitable for small amounts of idle funds that are expected to have useful money in 1 year, but are not sure when to use it and how much at one time. With the split savings method, not only will the interest be much higher than the survival savings, but the loss can also be minimized when withdrawn.

Technique 2: 12 certificates of deposit.

The 12-certificate of deposit method refers to depositing a sum of money in the bank every month in a regular one-year manner, insisting on a full twelve months, and starting from the first month of the following year, the corresponding regular income will be obtained every month.

Withdraw 10% and 15% of your salary income every month to make a 1-year fixed deposit certificate. Do this every month, and at the end of the year, you will have 12 one-year fixed deposit certificates. From the second year onwards, a certificate of deposit will mature every month, and if there is an urgent need, it can be used without losing interest on the deposit; If there is no urgent need, these certificates of deposit can be automatically renewed, and from the second year onwards, the money to be deposited each month can be added to the certificates of deposit that are due in the current month, and a new certificate of deposit can be made to continue rolling deposits.

I think it's the Agricultural Bank.

Overall, ICBC is high and safe. But not necessarily, the general deposits are basically deposited in the bank, and the interest received by different banks is also different. There may be banks with high interest rates and some banks with low interest rates. Take the Big Four banks as an example.

Demand deposit interest rate. Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China and Bank of China all have demand deposit interest rates.

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.

Except for the People's Bank of China, which cannot handle personal business, other banks can handle personal business. The banks with the highest safety factor are Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications and Postal Savings Bank of China. However, 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.

However, in terms of fixed interest rates and current interest rates, there is still a slight difference between the six major banks, commercial banks and foreign banks. 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.

Demand rates for all banks in China are stable. In addition to the current interest rate, banks also have lump sum deposits, lump sum deposits, lump sum deposits, lump sum deposits, and fixed deposits. Bank of China, Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China, Bank of Communications, Bank of China, Bank of Communications, the five major banks of the five major banks of the whole deposit and withdrawal of the interest rate for three months, half a year of interest rate, one year of interest rate, two years of interest rate, three years of interest rate, five years.

Among them, the interest rate of the Postal Savings Bank of China is three months, half a year, and one year, and the other five major banks are the same.

Commercial banks also occupy an important position in China's financial industry, among which the annual interest rate of the Shanghai Pudong Development Bank is one year, two years, three years, and five years, and the Shanghai Pudong Development Bank has three months and six months to choose from. The interest rate of China Everbright Bank is higher than that of Shanghai Pudong Development Bank, with interest rates for three months, half a year, one year, two years, three years, and five years.

If you want to save money, which bank has a higher interest rate? Every bank has its own rules, like a large deposit, his interest rate is higher. The interest rate is also higher for a long year, which depends on what kind of deposit you squat, but you still have to go to a regular bank to deposit, so it is safer.

If you want to save money, which bank has a higher interest rate? There is no security in security, I think as a bank, he also has that kind of risk, no matter when the interest rate of which bank is high, the words are actually the same, just a way to attract customers.

Summary. Hello, it is a pleasure to serve you and answer your questions; Banks have high interest rates and safe banks, as follows; 1. Bank of China: Bank of China is the largest commercial bank in China, and its deposit interest rate is relatively high, and it is also very safe.

2. Industrial and Commercial Bank of China: Industrial and Commercial Bank of China is the largest state-owned commercial bank in China, and its deposit interest rate is relatively high, and the security is also very high. 3. China Construction Bank:

China Construction Bank is the largest joint-stock commercial bank in China, and its deposit interest rates are relatively high, and it is also very secure. 4. Agricultural Bank of China: Agricultural Bank of China is the largest rural commercial bank in China, and its deposit interest rate is relatively high, and the security is also very high.

5. China Merchants Bank: China Merchants Bank is the largest multinational commercial bank in China, and its deposit interest rate is relatively high, and the security is also very high.

Hello, it is a pleasure to serve you and answer your questions; Banks have high interest rates and safe banks, as follows; 1. Bank of China: Bank of China is the largest commercial bank in China, and its deposit interest rate is relatively high, and it is also very safe. 2. Industrial and Commercial Bank of China:

ICBC is the largest state-owned commercial bank in China, and its deposit interest rate is relatively high, and it is also very safe. 3. China Construction Bank: China Construction Bank is the largest joint-stock commercial bank in China, and its deposit interest rate is relatively high, and it is also very safe.

4. Agricultural Bank of China: Agricultural Bank of China is the largest rural business bank in China, and its prudent deposit interest rate is higher than that of Kuanru Town, and its security is also very high. 5. China Merchants Bank:

China Merchants Bank is China's largest multinational commercial bank, with relatively high deposit rates and high security.

Extended Information; Interest refers to the remuneration received by the owner of the fund for lending the funds, which comes from the profits generated by the producer Souqiao using the funds to perform its operating functions. Interest is one of the manifestations of the time value of money, and in its form, it is the remuneration that the owner of the money receives from the borrower for issuing the money money.

Summary. Dear, I am glad to answer for you, deposit money postal bank bank interest is high and safe. 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.

Dear, I am glad to answer for you, deposit money postal bank bank interest is high and safe. 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.

3. Agricultural Bank of China. 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. 4. 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. 5. 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.

In particular, after the adjustment of interest rate pricing, the maximum interest rate on three-year fixed deposits of state-owned banks can only be reached, and the maximum interest rate on large-denomination certificates of deposit can only be reached during the same period. Therefore, it is best to compare multiple banks in the region before making a choice. 2. Commercial banks.

However, although the strength of many small and medium-sized banks, such as urban commercial banks and rural commercial banks, is not as strong as that of state-owned banks, their three-year fixed deposit interest rates can reach above them, and some banks are even able to reach the level of left and right, and they can earn a lot more interest than state-owned banks. 3. Village and township banks. Although there are few village and township banks, the interest rate of deposit time is currently the highest bank, and the three-year fixed interest rate of many village and township banks is given to 4%, although many people are worried about insecurity, in fact, it is not necessary, many village and township banks are behind the large state-owned banks in the shares, and the security is still guaranteed, as long as the village and township banks have pasted deposit insurance logos, empty eggplant belts, then even if they are bankrupt, as long as the deposit is less than 500,000 yuan, they can also guarantee the principal and interest.