The deposit method with the highest interest rate in one month

This is very simple, you go to the bank, ask to deposit a seven-day call deposit, deposit 4 seven-day call deposits, and then deposit the rest into a 1-day call deposit, alone in terms of bank deposits, only this deposit method is the highest, but the premise must be that the deposit amount is greater than or equal to 50,000 yuan, that is, the call deposit is 50,000 yuan.

If you save 10,000 for 1 month, then 12 for 12 months, another 10,000 for 2 years, another 3 years, and finally for 5 years, then you will withdraw and so on, so that your monthly interest is the highest.

There are three types of fixed deposits: 3 months, half a year, 1 year, 2 years, 3 years, 5 years, the monthly interest rate of 5-year deposits is the highest, if you only save for one month, then you can only survive.

The specific interest of 1 month in the bank is related to your deposit method and deposit amount, and you can generally choose a demand deposit or a large deposit

1. The annual interest rate of most banks is about 100,000 yuan, assuming that your deposit amount is 100,000 yuan, and 1 month is calculated according to 30 days, then the interest of 1 month is about 100,000 yuan;

2. The annual interest rate of large-amount certificates of deposit is generally around, depending on the bank you deposit in and the amount of your deposit, for example, if the minimum deposit amount is 200,000 yuan, the interest rate of one month of deposit period is. Let's say your deposit amount is $200,000 and the interest for 1 month is about $1.

Further Information: Time Deposits, also known as"Certificates of Deposit"。The bank and the depositor agree on the term and interest rate in advance at the time of deposit, and withdraw the principal and interest after maturity.

Some CDs can be sold in the market before maturity when the depositor needs funds; Some certificates of deposit are non-transferable and require the depositor to pay a fee to the bank if he or she chooses to withdraw funds from the bank before maturity.

Interest shall be calculated and paid according to the deposit interest rate on the date of opening the certificate of deposit for withdrawal at maturity, and interest shall be calculated according to the interest rate of the current savings deposit on the date of withdrawal for early withdrawal. You can apply for a small pledge loan with your own fixed deposit certificate.

The deposit period is 3 months, 6 months, 1 year, 2 years, 3 years, and 5 years. You can withdraw part of the deposit in advance once, and when the deposit expires, you can withdraw the principal and interest with the certificate of deposit, or you can automatically transfer it multiple times according to the original deposit period. Cash and current savings deposits can be directly applied for fixed savings deposits, and the minimum deposit amount for regular account opening is 50 yuan, and there is no limit to more deposits.

For unexpired fixed savings deposits, depositors must present the certificate of deposit and the depositor's identity certificate for early withdrawal; If the withdrawal is made on behalf of the depositor, the withdrawer must also hold his identity certificate, and the interest rate shall be calculated and paid according to the current savings deposit interest rate announced on the withdrawal date, and the withdrawer shall also sign the name of the withdrawer on the payment voucher.

For unexpired fixed savings deposits, depositors can withdraw part of them in advance as needed, and the verification procedures remain unchanged, and the interest rate for early withdrawal shall be settled according to the current savings deposit interest rate announced on the withdrawal date, and the retained part shall be settled and paid at the maturity of the original deposit date and the original interest rate. Partial early withdrawal can only be made once per certificate of deposit, and if partial early withdrawal has been made, the savings institution shall indicate this on the deposit slip that has been paid and the newly opened deposit slip for the retained part"Partial early withdrawal"Words.

Generally speaking, the longer the deposit term, the higher the interest rate. In addition to the form of certificate of deposit, traditional time deposits also have the form of passbooks, which are also called passbook time deposits, but they are based on 90 days of interest-bearing days, and no interest is calculated for less than 90 days. Compared with demand deposits, time deposits have stronger stability and lower operating costs, and the reserve ratio held by commercial banks for this purpose is correspondingly lower, so the capital utilization rate of time deposits is often higher than that of demand deposits.

The benchmark interest rate of the central bank's demand deposit is, in fact, the listed demand interest rate of some large banks is only, so the interest income of 10,000 yuan deposited as a bank demand for one day is about yuan. 10,000 yuan in the bank demand deposit a day interest is less than 1 cent, now the bank demand interest of 10,000 yuan a year 35 yuan.

Bank deposit accounts are divided into basic deposit accounts, general deposit accounts, temporary deposit accounts and special deposit accounts. The basic deposit account refers to the account used by the enterprise for daily transfer settlement and cash receipt and payment. The general deposit account refers to the account opened by a subsidiary non-independent accounting unit that is not in the same place as the enterprise in the basic deposit account and the bank loan transfer other than the basic deposit account, which can handle transfer settlement and cash deposit, but cannot withdraw cash.

Temporary deposit account refers to the account opened by the enterprise due to the needs of temporary production and business activities, which can be used for transfer and settlement, and can deposit and withdraw cash according to the provisions of cash management, and the special deposit account refers to the account opened by the enterprise for specific purposes. Businesses can only open general deposit accounts in a few branches of a bank. An enterprise's bank deposit account can only be used to settle its own production and operation business activities, and it is not allowed to lease or lend its account.

Data Expansion: 1. Types of Bank Deposits:

1. According to the mode of generation, it can be divided into original deposit and derivative deposit.

2. According to the term, it can be divided into demand deposit and time deposit, and time savings can be divided into several types, namely, lump sum deposit, lump sum deposit, lump sum deposit, principal and interest, fixed and live deposit and call deposit, which are different according to the different ways of deposit and withdrawal.

3. According to the different depositors (taking China as an example), it can be divided into unit deposits and individual deposits; Personal deposits, i.e., resident savings deposits, are the currencies deposited by individual residents in banks.

2. Interest rate analysis:

1. Demand deposit: the advantage is that it can be accessed at any time, and the flexibility is great, but the interest rate is very low, and the current annual interest rate is only.

2. Fixed deposits:

1) Lump sum deposit: divided into 3 months, half a year, 1 year, 2 years, 3 years, 5 years and so on, deposit a sum of money at a time, and repay the principal and interest at one time after maturity, the longer the term, the higher the interest. It can be withdrawn in advance before maturity, but the interest is calculated according to the current deposit.

2) Lump sum withdrawal: divided into 1 year, 3 years, 5 years and 3 grades, a certain amount of money is fixed every month, and the principal and interest are repaid once at maturity.

3) Deposit principal and interest: the grade is the same as above, deposit a sum of money at a time, receive interest month by month, and repay the principal when due.

4) Education savings: It is a special kind of fixed savings deposit, which is aimed at students in the fourth grade (including the fourth grade) and above, with a deposit period of one year, three years and six years, and the maximum principal amount is 20,000 yuan.

3. Fixed and lived: greater flexibility, the income is slightly higher than that of the current period, the deposit period is not agreed, and the interest is calculated at a 6% discount at the same grade interest rate for regular deposits and withdrawals within one year.

4. Call deposit: The minimum deposit amount for individual customers is 50,000 yuan, and there is no need to agree on the deposit period when depositing, and the bank is notified one day or seven days in advance when withdrawing, which is called one-day call deposit and seven-day call deposit, and the annual interest rate is and.

According to the central bank's regulations.

The interest rate for depositing $10,000 per day is.

10,000*.

The interest of 10,000 yuan for a one-day fixed deposit is: (taking CCB one-year fixed term as an example) 10,000 * yuan.

Formula for calculating interest:

Principal Annual Interest Rate (Percentage) Deposit period.

If interest tax is charged then (1-rate).

Total principal and interest = principal + interest.

This problem, the principal * interest rate * time can be calculated The total deposit interest rate is generally stipulated by the central bank, for fear of any chaos, you will see this year's deposit interest rate for three months, six months, the annual interest rate is slightly higher, so I personally feel that the deposit is very inappropriate, if you want to save money through this is unlikely to be realized, so it is not as good as the financial platform on the Internet, wealth management is a good choice, In addition, the web version of Wealth Management Connect also supports a maximum of 10 million recharges.

Hello dear, glad to answer for you. Deposit 10,000 yuan with interest of 10,000 yuan a month If the deposit is calculated according to the annual interest rate, then you need to deposit 12,100,000 yuan. Interest is the fee for the use of money for a certain period of time, and refers to the remuneration that the holder of the currency receives from the borrower for lending money or money capital.

This includes interest on deposits, loans, and interest on various bonds. <>

<> dear hello, I will expand for you as follows: Interest-related factors: Whether it is a loan or a deposit, the amount of interest depends on three factors:

Principal, term and interest rate levels. The formula for calculating interest: interest = principal * term * interest rate level, this formula can calculate the interest generated by loans and deposits, generally speaking, the length of the term and the amount of interest are positive.

It should be noted that the unit of term and interest rate must be consistent, for example, when the interest rate is an annual interest rate, the term is also converted to adulthood. <>

The interest on a bank deposit of 10,000 yuan is about 30-175 yuan.

Take China Construction Bank as an example).

CCB's interest rates and interest rates are as follows:

1. If the current interest rate is, the interest is 30 yuan;

2. If the whole deposit is withdrawn for one year, the interest is 175 yuan;

3. If the interest on the deposit is 135 yuan for one year, the interest on the deposit is 135 yuan;

4. The fixed life will be implemented at a 6% discount at the interest rate of the same grade for regular deposit and lump sum withdrawal within one year. then the deposit interest is 18 yuan;

5. If the interest rate of the deposit is one day, the interest is 55 yuan; If the seven-day interest rate is, the interest is 110 yuan.

The benchmark interest rates are: current term, three-month term, six-month term, one-year term, two-year term, three-year term, and five-year term.

CCB: current term, three-month term, six-month term, one-year term, two-year term, three-year term, five-year term, 2 75%。<

The interest of 10,000 yuan you deposit in the bank every month is not fixed, and he depends on your deposit period. If it is a current account, it must be transferred according to the current interest rate. If it's a regular rate, it's a little higher.

Deposit 10,000 yuan per month, whether it is current or fixed, the annual interest is the deposit balance multiplied by the annual interest rate, and the monthly interest is the deposit balance multiplied by the annual interest rate divided by twelve. For example, if you deposit 10,000 yuan in the bank at the beginning of January, the interest in February is 10,000 times the annual interest rate divided by 12, and the interest in February is 10,000 yuan in the bank, and the interest in March is 20,000 times the annual interest rate divided by 12, and so on. ，

How to calculate the interest of 10,000 yuan per month deposited in the bank? See if you're active or ah? The actual deposit is not the same.