Which bank has a higher interest rate at the death period and what is the interest rate at the death

The current deposit rate was adjusted and implemented on July 6, 2012. Since June 8, 2012, the liberalization of interest rates has been promoted. The upper limit of the floating range of the deposit interest rate of financial institutions is adjusted to multiple of the benchmark interest rate, and the deposit interest rate of commercial banks is allowed to be different.

Taking one year as an example, banks can voluntarily set the one-year deposit interest rate at no more than 3%. The highest multiple, i.e. the one-year deposit rate. Each bank implements the interest rate standard between the benchmark interest rate multiples according to the bank's situation.

At present, small and medium-sized banks such as urban commercial banks and credit cooperatives implement an interest rate of 110%, while large banks (industry and commerce, agriculture, construction, Bank of China, Bank of Communications, and Postal Savings Bank) are between 100% and 110%.

At the beginning of 2014, due to the launch of various wealth management products, the fierce competition between banks, banks and Internet finance, at the beginning of the year, the Agricultural Bank of China raised the deposit interest rate to 10%, and the China Construction Bank also carried out a 10% pilot increase.

Lump sum deposit: large banks that have not adjusted the central bank's benchmark interest rate for three months, large banks that have not adjusted the central bank's benchmark interest rate for half a year after a 10% increase, large banks that have not adjusted the central bank's benchmark interest rate for one year after a 10% increase, large banks that have not adjusted the central bank's benchmark interest rate for two years after a 10% rise, large banks that have not adjusted the central bank's benchmark interest rate for three years after a 10% rise, and a large bank that has not adjusted the central bank's benchmark interest rate for five years after a 10% rise, and an interest rate after a 10% increase.

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 savings from both public and private sectors, and their costs are lower.

The time is different, and the bank is different.

1 year and below: Minsheng, Ping An and other joint-stock banks are the highest, as well as city commercial banks.

2 years and above, Ping An Bank and City Commercial Bank are the highest.

The bank dead rate is as follows:1. The benchmark interest rate for RMB deposits is as follows:

1. Demand deposit: The benchmark interest rate is.

2. Fixed deposits:

1) Lump sum deposit and withdrawal: three months, half a year, one year, two years and three years.

2) Fractional deposit, lump sum deposit, principal and interest: one year and three years.

3. Agreement deposit: The benchmark interest rate is.

4. Call deposit.

Seven days a day. 2. Benchmark interest rate for RMB loans.

As follows: 1. Short-term commercial loans.

Within 1 year (including 1 year), annual interest rate.

For. 2. Medium and long-term commercial loans: 1 to 5 years (including 5 years), with an annual interest rate; For more than 5 years, the annual interest rate is.

3. Personal housing provident fund loan: less than 5 years (including 5 years), the annual interest rate is; For more than 5 years, the annual interest rate is.

The following are the Bank of China Dead Deposit Rates:

The annual interest rate for three-month deposits, the annual interest rate for six-month deposits, the annual interest rate for one-year deposits, the annual interest rate for two-year deposits, the annual interest rate for three-year deposits, and the annual interest rate for five-year deposits is.

In addition, the dead period can be withdrawn in advance if the deposit period is not reached, but the withdrawn part will be calculated according to the listed current interest rate, so users who want to save the dead period should try not to withdraw it in advance if there is no urgent use.

Further Information: Time deposits are 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.

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.

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.

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.

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.

If a lump sum deposit and lump sum fixed savings can only be partially withdrawn once, and if a partial early withdrawal has been made, the savings institution shall indicate the words "partial early withdrawal" on the deposit receipts that have been paid and the newly opened deposit receipts for the retained part.

After March 1, 2011, lump sum deposits and withdrawals with CCB, regardless of whether they were previously deposited or subsequently deposited, can be withdrawn in part an unlimited number of times, and there is no longer a limit to one withdrawal. ）

It should be asked about the interest rate, because the interest is calculated by multiplying the principal by the interest rate, and the current bank death period, that is, the annual interest rate of the fixed deposit for one year is about, that is, if you deposit 10,000 yuan, the interest for one year is 175 yuan. Thank you.

The interest rates on fixed deposits of major banks are as follows:

Three months: Six months:

One year: Two years:

Three years: Five years: to.

The interest on the dead deposit should be calculated according to the term of the deposit, the principal, and the fixed interest rate of the deposit, and the interest = the principal interest rate and the term.

The fixed interest rate varies slightly from bank to bank, taking Bank of China as an example, 100,000 principal deposits for 2 years, the annual interest rate is, interest = 100,000, and the interest is 4,500 yuan.

The benchmark interest rates for demand deposits of the People's Bank of China are three-month time deposit rates, six-month time deposit rates, one-year time deposit rates, two-year time deposit rates, three-year time deposit rates, and five-year time deposit rates.

Extended Information: Types of Deposits.

Unit deposits. Corporate Deposits. This is the temporary idle monetary funds generated by state-owned enterprises, supply and marketing cooperatives and collective industrial enterprises due to the inconsistency between the sales income and the time of various expenditures, and also includes the various special funds that have been withdrawn and not used by the enterprises, the most important of which is the depreciation of fixed assets**, and also includes the retention of profits.

The change of enterprise deposits depends on the scale of the purchase and sale of the production commodities and the operation and management status of the enterprise, and the expansion of production or commodity circulation, the deposit of the enterprise will increase, and vice versa. If the operation and management are improved and the capital turnover is accelerated, the deposits of enterprises will decrease, and vice versa. The vast majority of corporate deposits are demand deposits, and only a small number are time deposits.

Fiscal deposits. Banks ** state treasury, all financial receipts and expenditures must be handled through banks (see state treasury system). Fiscal revenues and expenditures are often inconsistent in time, and in the case of collecting first and spending later, the temporarily unused funds form fiscal deposits.

Capital Deposits: Deposits formed by funds used for capital construction that have not yet been expended.

Deposits of organs, organizations, and troops. It is a deposit formed by the above-mentioned units receiving unused funds from the financial pool.

Rural deposits. More than 90 percent of the deposits in banks of collective agriculture, township enterprises, and rural credit cooperatives are deposits.

New types of deposits are constantly emerging in the world, such as negotiable large-value certificates of deposit, negotiable payment order accounts, ** transfer services and autopay services, money market depositors, etc., among which negotiable large-value certificates of deposit have also developed to a certain extent in China.

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.

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

Fixed deposits are used to settle or withdraw cash from a fixed deposit account. If the customer needs funds temporarily, he or she can withdraw in advance or partially withdraw in advance.

At present, the fixed interest rates of the six major banks (China, agriculture, industry, construction, communications, and postal services) are one-year, two-year, three-year and five-year, and there are certain differences between different banks and regions, but the difference is not large.

The interest rates of local commercial banks and credit cooperatives are relatively high, with a tenor of one year, a term of about two years, a term of three years and a term of five years, and the highest tenor of five years.

The latest deposit rates for 2021 are still based on the benchmark interest rate published in October 2015, where the major banks fluctuate above and below. The benchmark interest rate of the central bank's time deposit is as follows: the benchmark interest rate for demand deposits is; 3-month benchmark interest rate for time deposits; The benchmark interest rate for semi-annual time deposits is; The benchmark interest rate for one-year time deposits is; The benchmark interest rate for two-year time deposits is; The benchmark interest rate for a three-year time deposit is.

Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Bank of China, Bank of Communications, China Merchants Bank, Guangfa Bank, and Postal Bank of China are: short-term loans for six months (inclusive) Yes, six months to one year (inclusive); Medium and long-term loans for 1 to 3 years (inclusive) Yes, 3 to 5 years (inclusive) Yes, and more than 5 years Yes.

Summary. Hello dear, glad to answer for you! Generally speaking, rural commercial banks or urban commercial banks have the highest fixed interest rates.

At present, the interest rates of the five major state-owned banks, joint-stock banks and rural commercial banks for fixed deposits have risen to a certain extent, but the increase is slightly different. The longer the maturity, the higher the interest rate, and the interest rate of large certificates of deposit is higher than that of traditional time deposits.

Hello dear, glad to answer for you! Generally speaking, rural commercial banks or urban commercial banks have the highest fixed interest rates. At present, the interest rates of the five major state-owned banks, joint-stock banks and rural commercial banks for fixed deposits have risen to a certain extent, but the increase is slightly different.

The longer the maturity, the higher the interest rate, and the interest rate of large certificates of deposit is higher than that of traditional time deposits.

I would like to ask which bank is safer for 200,000 yuan to deposit for five years, and the interest rate is higher.

Further information: Postal Savings Bank, China Construction Bank and China Everbright Bank have relatively high dead interest rates, as follows: 1. Three-month time deposits:

The Postal Savings Bank has the highest interest rate, followed by China Everbright Bank and China Construction Bank, and most banks have interest rates. 2. Six-month fixed deposit: The Postal Savings Bank has the highest interest rate, followed by China Everbright Bank and China Construction Bank, and the interest rate of most banks is.

3. One-year fixed deposit: The Postal Savings Bank has the highest interest rate, followed by China Everbright Bank and China Construction Bank, and the interest rate of most banks is.

The pro should be higher for the Bank of Guilin. The interest rates of several large state-owned banks are relatively low. Rural credit cooperatives, slightly higher.

What is the interest rate of the postal bank that deposits 200,000 for five years.

I won't count. The interest of 200,000 yuan in five years is fixed for five years, and the interest of the postal bank is the interest of the fixed five years = yuan.