Which is better, one year deposit or three year deposit, and why do bank staff recommend one year de

Which is the better interest rate for a three-year deposit or a one-year deposit in a state-owned bank?

I think the three-year one is better because the collapse interest rate is high. The premise is that your funds are not used for the time being. Most bank insiders push for a one-year deposit because the one-year term is more profitable for the bank.

A one-year term is better. The deposit time is not very long, and the money can be used when it is urgent, although the interest rate is a little lower, but it is more convenient to use, and the bank staff have an assessment every year, and the assessment is calculated according to the year, so they want you to save for a year.

Both one-year deposits and three-year tenors are good. A one-year term is recommended because the deposit is very liquid and can be withdrawn at any time, so such a deposit is the wisest choice.

Three-year deposits are good for depositors, because the bank interest rate is high, and if you have spare money at home and are not in a hurry, you can consider choosing a three-year deposit, but for the bank, the interest expense is larger, so the staff will push the one-year deposit.

Summary. Hello, the deposit period is three years, and the interest rate of the Postal Savings Bank is the highest, for. The interest rate on a three-year fixed deposit varies from bank to bank.

Compared with the six major banks in China, including Bank of China, Agricultural Bank of China, Industrial and Commercial Bank of China, China Construction Bank, Bank of Communications, and Postal Savings Bank. The interest rate of three-year fixed deposit is the highest in the Postal Savings Bank. No matter which bank it is, there is no fixed standard for deposit interest rates, and the deposit interest rates given by banks are different at different points in time and for different deposit amounts.

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Hello, the deposit period is three years, and the interest rate of the Postal Savings Bank is the highest, for. The interest rate on a three-year fixed deposit varies from bank to bank. Compared with the six major banks in China, including Bank of China, Agricultural Bank of China, Industrial and Commercial Bank of China, China Construction Bank, Bank of Communications, and Postal Savings Bank.

The interest rate of three-year fixed deposit is the highest in the Postal Savings Bank. No matter which bank it is, there is no fixed standard for deposit interest rates, and the deposit interest rates given by banks are different at different points in time and for different deposit amounts.

As one of the four major state-owned banks in China, CCB does not worry about having no deposits, so the interest rate on deposits is generally relatively low. For example, the average one-year deposit rate is, the two-year deposit rate is average, and the three-year average deposit rate is.

For example, in some developed cities in the east, the deposit interest rates of rural commercial banks are relatively low, but in some small cities in the central and western regions, the deposit interest rates given by rural commercial banks may be relatively high.

The Postal Savings Bank is also one of the six major state-controlled commercial banks in China, but the performance of the Postal Savings Bank is different from that of the other five major banks in terms of deposit interest rates.

Rural credit cooperatives have more advantageous deposit interest rates.

The three-year interest rate of the Agricultural Bank of China's large-denomination certificates of deposit is; The interest rate of the three-year term of large-denomination certificates of deposit of rural credit cooperatives is; The interest rate of the Postal Savings Bank's large-amount certificate of deposit is set according to the initial deposit amount, the interest rate of 200,000 yuan for a three-year period, the interest rate for a three-year period of 300,000 yuan, and the interest rate for a three-year period of 500,000 yuan.

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If you have idle funds that have not been used for three years, you can consider depositing the principal in rural credit cooperatives.

There are many financial products in banks, and depositors can easily lose their principal if they do not understand it clearly in advance.

At present, there are two main types of financial products of banks, namely wealth management and deposits.

The main difference between wealth management and deposits is that deposits are interest-guaranteed and principal-protected, while wealth management is neither principal nor interest-guaranteed. If you can't afford the risk of losing your principal, you must understand it clearly with the bank staff when making a deposit to avoid the deposit becoming a financial management.

At present, there are three types of interest-guaranteed and principal-guaranteed deposits, namely demand deposits, ordinary time deposits, and large-amount certificates of deposit, which have different interest rates and different minimum purchase thresholds.

1. Demand deposits

Bank demand deposits have the lowest interest rate among the three deposit methods, only. However, demand deposits have the advantage that the principal is highly flexible and can be withdrawn at any time.

If you pursue the safety of the principal and high flexibility, the interest rate of Yu'e Bao, Coin Pass, and foreign trade economic platforms such as the consignment of Zhizhen Overseas Purchase is much higher than the interest rate of bank demand deposits, and it can also be withdrawn at any time.

2. Ordinary time deposits

The interest rate of ordinary time deposits is much higher than that of demand deposits, but the minimum purchase threshold of 50,000 yuan must be met, and the principal cannot be withdrawn at any time.

If you withdraw in advance before maturity, not only do you need to apply to the bank one day in advance, but the interest can only be settled according to the current interest rate, which is very uneconomical.

3. Certificates of Deposit (CDs) in large amounts

Large-amount certificates of deposit have the highest interest rate among the three deposit methods, and the minimum purchase threshold is also the highest, which requires about 200,000 yuan to purchase, and some banks can purchase at 300,000 yuan.

However, large-denomination certificates of deposit also have advantages, not only the interest rate is high, but the flexibility of the principal is also relatively high, and the interest can be calculated according to the needs of depositors and paid monthly.

Which bank has the highest deposit term for three years? I think the deposit period is three years, and now the interest rate is the same in every bank. Unless it's a commercial bank. Or rural credit cooperatives. Interest rates are likely to be higher than those of all four major banks. But I think the principal is a little bit worried.

Which bank has the highest deposit term for three years? The banks that deposit now are basically three years short of the fixed deposit, which bank is higher? Now the banks are basically the same, the interest is the same, the fixed term is the same, which bank can be deposited?

The interest rate on fixed deposits is about the same for each bank. However, relatively speaking, the interest rate of fixed deposits of commercial banks is relatively high.

Fixed deposits are three years, which bank is higher I think the interest rates of the major banks in China are about the same.

It's basically the same. Well, generally speaking, it is about 2% to 3% per annum! Now the yield is too low.

Well, which bank is higher than the People's Bank of China for a three-year deposit period?

Which bank has the highest interest rate for three years in 2021?

1. Industrial and Commercial Bank of China: the interest rate of three-year fixed deposit is;

2. Agricultural Bank of China: The interest rate of three-year fixed deposit is;

3. China Construction Bank: The interest rate of three-year fixed deposit is;

4. Bank of China: The interest rate of three-year fixed deposit is;

5. Postal Bank of China.

The interest rate for a three-year fixed deposit is;

6. Bank of Communications.

The interest rate for a three-year fixed deposit is;

Based on the comparison we can conclude that in the six major state-owned banks.

The highest three-year interest rate is the Postal Bank of China.

If you do not have to take it off and use it again at the end of the term, you can withdraw interest or keep it with principal and interest. If you spend money, it doesn't matter. That is to say, if the year has not arrived regularly and the family urgently needs money, it can also be withdrawn in advance, even if the interest is calculated according to the current account, it will not be able to suffer any losses, so convenient.

The annual interest rate of those who deposit for 1 year is generally in the middle, and the total interest of 100,000 yuan a year is 2150-2750 yuan. After expiration, it is copied to achieve one of its indicator values relative to the worker. Anyone who works in a bank knows that everyone has a deposit task every year.

Compared with financial institutions, if it is 1 billion savings, the difference between the interest of one year and three years is more than 17.5 million yuan. Therefore, the daily task assigned by financial institutions to deposit workers every year is to recommend a fixed deposit time deposit as strongly as possible and reduce the three-year fixed deposit.

In fact, the essential difference between a one-year deposit and a three-year deposit is actually the difference in interest rates, and naturally different bank loan interest rates are also different, <>

However, it is about the same, the interest rate of the general fixed deposit for one year is about 2%, and the annual interest rate of the fixed deposit for three years is about 3%, which is a little higher, which means that if you save more than 100,000 yuan, the interest of the fixed deposit for one year is 2,000 yuan, and if you save the fixed term for three years, the interest for one year is 3,000 yuan, so the difference is 1,000 yuan a year, which adds up to a lot, and the amount is also a lot, of course, there is also a problem. If it is mandatory to remove it in the process of saving the term, it is <>

For example, if you need money in an emergency, you can only settle the interest according to the current interest rate, and the annual interest rate will be low. With the improvement of everyone's awareness of deposits, in order to achieve the growing demand for savings, more and more financial enterprises are occurring for us to choose, and a variety of investment and wealth management products are available. However, because many people are not professional financial managers, they don't know anything about investment and financial products, and at the same time, they are afraid of high risks, so depositing money in financial institutions has become the preferred choice for most people.

Summary. Hello, dear. Banks do not recommend depositing for three years for the following reasons:

1. The liquidity is relatively poor, and the three-year fixed deposit means that the user has to hold it for three years, although the fixed deposit can be withdrawn in advance, but the part withdrawn in advance will be calculated according to the current interest rate, which is not cost-effective. 2. The income is relatively low, the three-year time deposit is higher than the demand deposit and the deposit with a short term, but the income is lower than the bank wealth management products of the same period, and it is not the best investment product for investors who pursue high returns. 3. Loss of opportunity cost, if investors use the same funds to invest in other products, such as wealth management, bonds, **, **, etc., they may obtain higher returns.

Hello, dear. The reasons why banks do not recommend depositing for three years are as follows: 1. Liquidity is relatively poor, and three-year term means that users have to hold it for three years.

2. The income is lower than that of filial piety, and the three-year fixed deposit is higher than the demand deposit and the deposit with a shorter term, but the income is lower than the bank wealth management products of the same term, and it is not the best investment product for investors who pursue high returns. 3. Loss of opportunity cost, if investors invest in other products with the same prudent funds, such as wealth management, bonds, **, stocks, etc., they may obtain higher returns.

In the case of loose idle time, it is a good choice to deposit a three-year term, because the interest rate of a three-year term is higher than that of a two-year or one-year term, and if it is said that compared with a five-year term, the interest rate of a three-year term is the same as that of a five-year term, and the liquidity of Hulu is also much shorter than that of a five-year term, so it is a good choice to save a three-year term. Of course, if the investor's funds can only be idle for a year, and the money needs to be used after a year, then it is good to save according to the idle time of the funds, and there is no need to choose a long-term term for higher interest.

At present, there is not much difference between the interest rates of major fixed deposits of banks, especially the gap between state-owned banks, and the interest rate of deposit in commercial banks is recommended to be higher for three years.

Hello, the interest rate should be about the same for bank deposits now, but some local banks may have some additional incentives, so it may be more affordable to deposit in local banks.

Which bank has the highest deposit term for three years? I think that depositing fixed bank deposits are all stipulated by the state, and the benchmark interest rate should be the same, the interest rate.

Which bank has a higher deposit term of three years? Personally, I think that if you have a fixed deposit like this, it must be a private bank that is higher, and the interest rate of the bank is generally relatively low.

Which bank has the highest interest rate for 3 years? As far as I know, the interest rate of the rural commercial bank is quite good. You can also go to multiple banks to check and make comparisons. There is always a bank to keep you satisfied.

Summary. Hello dear. We will be happy to answer your questions.

At present, the interest rate of the Postal Savings Bank of China is the highest for three years. Compared with the six major banks in China, including the Bank of China, the Agricultural Bank of China, the Industrial and Commercial Bank of China, the China Construction Bank, the Bank of Communications, and the Postal Savings Bank, the interest rate of the Postal Savings Bank has the highest three-year fixed deposit rate. Of course, the interest rate of three-year fixed deposits varies from bank to bank, and the specific interest rate should be based on the deposit behavior.

Which bank has the highest deposit term for three years?

Dear, your state socks are good. We will be happy to answer your questions. At present, the interest rate of the Postal Savings Bank of China is the highest for three years.

Compared with the six major banks in the country, including the Bank of China, the Agricultural Bank of China, the Industrial and Commercial Bank of China, the China Construction Bank, the Bank of Communications, and the Postal Savings Bank, the three-year fixed deposit interest rate is the highest Xinyan interest rate of the Postal Savings Bank. Of course, the interest rate of three-year fixed deposits varies from bank to bank, and the specific interest rate should be based on the deposit behavior.

Dear, I hope mine can help you. Wishing you happiness! <>