Industrial and Commercial Bank of China, Agricultural Bank of China Postal Savings comprehensively raised the new interest rate on rising deposits: In February 2022, the Industrial and Commercial Bank of China and the Agricultural Bank of China (10,000 yuan, 30,000 yuan, 50,000 yuan, 200,000 yuan, 300,000 yuan, 500,000 yuan, 1 million yuan) rose the latest interest table of RMB deposits.
In February 2022, Industrial and Commercial Bank of China, Agricultural Bank of China, Postal Savings of China latest RMB deposit interest rate table, large certificate of deposit interest rate table
ICBC's short-term interest rates within half a year or less have risen slightly. After the adjustment, the interest rate of fixed deposits is up to 3.25%, and the interest rate of large certificates of deposit is up to 3.35%.
The interest rate adjustment of the ICBC fixed deposit rate and the interest rate of large certificates of deposit have changed: the longer the deposit period, the greater the reduction, and the short-term interest rate has risen.
Consolidated Deposit Time Deposit:
Minimum deposit of 10,000: 3 months term, annual interest rate of 1.60%; 6 months term, 1.80% per annum;
1-year deadline, annual rate 2.0%;
Minimum deposit of 50,000: 3 years term, interest rate 3.25% per annum;
ICBC's large-value certificate of deposit, large-value certificate of deposit is slightly higher than the interest rate of ordinary time deposits, and the principal is starting at least 200,000 yuan
The interest rate of ICBC's large certificate of deposit starts at 200,000 yuan
Large Certificates of Deposit:
Subscription from 200,000: 1 month term, 1.70% per annum; 3-month term, 1.70% p.a.;
6 months term, 1.90% per annum; 1 year term, 2.10% per annum;
Subscriptions from 250,000: 2.70% p.a. for 2 years
Subscriptions from 300,000: 3.35% p.a. for 3 years
The 6-month fixed deposit interest rate from 50 yuan rose from 1.755% to 1.8%, a slight increase of 0.045 percentage points, and the 3-month fixed deposit interest rate increased from 1.485% to 1.6%, an increase of 0.115 percentage points.
Based on the principal of 10,000 yuan, the interest deposited in the last year of different terms and different methods of ICBC is relatively large
Survival period: 10,000 yuan a year 30 yuan interest
Fixed period for three months: interest of $10,000 is $135
Fixed-term deposit for six months: interest of $10,000 is $155
Fixed term for one year: 10,000 yuan interest is 210 yuan
Fixed-term deposit for two years: 10,000 yuan interest is 445 yuan
Fixed-term deposit for three years: interest of 10,000 yuan is 825 yuan
Agricultural Bank of China interest = monthly deposit amount× cumulative monthly product × monthly interest rate.
Agricultural Bank of China Large Certificate of Deposit
200,000 individual large-denomination certificates of deposit: 1.595% for 3 months, 1.885% for 6 months, 2.175% for one year, and 3.045% for two years.
500,000 individual large-denomination certificates of deposit: 1.65% for 3 months, 1.95% for 6 months, 2.25% for one year, 3.15% for two years
1 million individual large certificates of deposit: 1.95% for 6 months, 2.227% for each year
The average interest rate of agricultural bank deposits is 2.02 for 1 year, 2.81 for 2 years, 3.50 for 3 years, 3.65 for 5 years
Agricultural Bank of China 30,000 yuan deposit fixed half a year, regular one year the latest interest calculation method
Half-year interest = principal x interest rate x 6/12=30000x 3.05% x6/12=457.5 yuan
One-year interest = principal x interest rate x1 = 30000 x 3.25% x 1 = 975 x 1 = 975 yuan
The agricultural bank's regular half-year interest of 30,000 yuan is 457.5 yuan, and the regular one-year interest is 975.0 yuan
Postal Savings Bank Large Certificate of Deposit Rate
The minimum deposit is 200,000 yuan 2.10 in 1 year, 2.94 in 2 years, and 3.85 in 3 years
The minimum deposit is 300,000 yuan 1 year 2.18, 2 years 3.05, 3 year 3.988
The minimum deposit is 500,000 yuan 2.25 in 1 year, 3.11 in 2 years, and 4.125 in 3 years
Postal Savings Bank deposit rates are average
1 year 2.15, 2 year 2.95, 3 year 3.44, 5 year 3.84
The actual listing interest rate of postal savings banks in Shanghai, Guangzhou, Shenzhen, and other cities may also be different in each city:
Shanghai: Current period 0.30, 3 months 1.43, 6 months 1.82, 1 year 2.10, 2 years 3.15, 3 years 4.13, 5 years 4.13
Guangzhou: Current period 0.30, 3 months 1.43, 6 months 1.95, 1 year 2.25, 2 years 2.94, 3 years 3.58, 5 years 3.85
Shenzhen: current period 0.30, 3 months 1.65, 6 months 1.95, 1 year 2.25, 2 years 3.15, 3 years 4.13, 5 years 4.13
Tianjin: Current period 0.30, 3 months 1.43, 6 months 1.69, 1 year 2.10, 2 years 2.94, 3 years 2.75, 5 years 3.85
Chengdu: Current period 0.30, 3 months 1.43, 6 months 1.69, 1 year 1.95, 2 years 2.73, 3 years 2.75, 5 years 3.58
Chongqing: Current period 0.30, 3 months 1.54, 6 months 1.82, 1 year 2.10, 2 years 2.73, 3 years 2.75, 5 years 3.58
Jinan: Current period 0.30, 3 months 1.54, 6 months 1.82, 1 year 2.10, 2 years 2.73, 3 years 3.58, 5 years 3.85
The interest rate of 10,000 yuan for a regular year is 210 yuan
The total interest of 10,000 yuan for two years is 450 yuan
The total interest of 10,000 yuan for three years is 825 yuan
The total interest of 10,000 yuan for five years is 1375 yuan
The interest rate of 20,000 yuan for a regular year is 420 yuan
The total interest of 20,000 yuan for two years is 900 yuan
The total interest of 20,000 yuan for three years is 1650 yuan
The total interest of 20,000 yuan for five years is 2750 yuan
The interest rate of 50,000 yuan for a regular year is 1050 yuan
The total interest of 50,000 yuan for two years is 2250 yuan
The total interest of 50,000 yuan for three years is 4125 yuan
The total interest of 50,000 yuan for five years is 6875 yuan
Tip: The interest rate on the official website and the actual local bank may be a little different, so the above interest rate is for reference only, for specific details, please consult the bank branch counter, do not make any suggestions, to the local bank business hall published interest rate prevails
