Postal Savings Bank of China's RMB deposit interest rises and adjustments: In February 2022, the Interest rate on RMB deposits of postal savings bank (10,000 yuan, 20,000 yuan, 50,000 yuan, 100,000 yuan, 200,000 yuan, 300,000 yuan, 500,000 yuan) raised the table.
In February 2022, the latest interest rate table of postal savings bank deposits of China and the latest interest rate table of large certificates of deposit
Postal Savings Bank Large Certificate of Deposit Rate Table
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
A consolidated time deposit is a kind of fixed deposit that stipulates the deposit period at the time of deposit, deposits the principal at one time, and withdraws the principal and interest at maturity.
2. Rmb whole deposit and withdrawal time deposit of 50 yuan, the deposit period is divided into three months, six months, one year, two years, three years and five years.
3. Higher interest rate: The interest rate of time deposit is higher than the interest rate of demand deposit, and the longer the deposit period of time deposit, the higher the interest rate.
4. Convenient transfer: Our bank provides the agreed transfer and automatic transfer services of the whole deposit and the fixed deposit, and the agreed transfer and automatic transfer do not limit the number of times of transfer.
If you agree to transfer deposits at maturity when you open an account, after the maturity of the time deposit, together with the principal and interest, it will be automatically transferred according to the same grade of time deposit. The automatic deposit service does not need to be agreed upon, after the maturity of the time deposit, together with the principal and interest, it will be automatically transferred according to the same grade and maturity time deposit.
5. Early withdrawal: The whole deposit can be withdrawn in advance (including after transfer) multiple times (up to 5 times). After part of the early withdrawal, the remaining part of the funds shall not be less than 50 yuan, and the remaining part of the funds shall be re-generated according to the account opening outlets, and the value date shall be the original value date.
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At postal savings bank of China, the annual interest rate on demand deposits is 0.3%, while the annual interest rate of whole deposits and rounds is 1.35% for three months and 2.10% for one year.
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
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The interest on postal savings of 10,000 yuan for a year is: 10,000 multiplied by 2.10% multiplied by 1 = 210 yuan.
According to the interest rate table: the total interest maturity interest of 10,000 yuan for two years is: 450 yuan
$225 per year
The total interest maturity interest of 10,000 yuan for three years is 825 yuan
$275 per year
The total interest maturity interest of 10,000 yuan for five years is 1375 yuan
The interest on postal savings of 20,000 yuan for a regular year is: 20,000 multiplied by 2.10% multiplied by 2 = 420 yuan.
The total interest maturity interest of 20,000 yuan for two years is 900 yuan
$450 per year
The total interest maturity interest of 20,000 yuan for three years is 1650 yuan
$550 per year
The total interest maturity interest of 20,000 yuan for five years is 2750 yuan
The interest on postal savings of 50,000 yuan for a regular year is: 50,000 multiplied by 2.10% multiplied by 2 = 1050 yuan.
The total interest maturity interest of 50,000 yuan for two years is 2250 yuan
$1,125 per year
The total interest maturity interest of 50,000 yuan for three years is 4125 yuan
$1,375 per year
The total interest maturity 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
