From a young age, our parents taught us to save money, which not only helps us cope with emergencies, but also achieves our long-term goals, such as buying a home, investing in education, or retirement.
Therefore, many people will consider going to the bank to deposit money when they have a deposit in hand, and usually can choose a demand, fixed-term or large-sum certificate of deposit.
When we consider saving money, Bank of China is a very trustworthy choice. As one of the largest banks in China, Bank of China has a strong strength and reputation, accumulating decades of experience to provide customers with a full range of financial services. After years of development, this bank has become one of the preferred banks in the minds of domestic and foreign customers.
Recently, the Bank of China's latest interest rate on large certificates of deposit has been announced, among which the three-year interest rate is more favorable.
First of all, I would like to share with you the advantages of Bank of China's large-sum deposit certificate:
Bank of China has high interest rates on large certificates of deposit
Currently, interest rates for three-year tenors are 1.6% for three months, 1.8% for six months, 1.9% for one year, 2.4% for two years and 2.65% for three years. As you can see from this, if you need this money in the short term, the interest rate for saving for six months and one year is not much different.
But if your funds are not used for a long time, the interest rate for three years is 3.65%, which is relatively high. Therefore, it is important to choose the appropriate deposit period according to personal circumstances.
Bank of China large-sum certificates of deposit are flexible
In addition to high interest rates, large certificates of deposit from Chinese banks offer excellent flexibility. Certificates of deposit are more flexible than other financial products, and you can transfer them for a specific period of time in order to liquidate them when needed.
This makes large certificates of deposit a very convenient way of fund management, meeting people's dual requirements for liquidity and financial needs.
Bank of China large deposit certificates are safe
As one of the largest state-owned banks in China, Bank of China is highly regarded for its excellent credibility and strict security measures. No matter how much you deposit, you can rest easy knowing that Bank of China provides the highest level of protection for your funds. This gives you peace of mind and confidence, ensuring your future financial stability.
However, there are also conditions for those who want to deposit large certificates of deposit:
First of all, if you have a deposit in October and want to go to the Bank of China to deposit a large deposit certificate, you need to understand that the threshold has been raised from 200,000 yuan to 300,000 yuan. If your deposit amount does not reach 300,000 yuan, sorry, you cannot store large deposit certificates.
Secondly, pay attention to whether there is still a surplus in the quota of large-amount certificates of deposit, and only when there is a surplus of places, you can deposit large-amount certificates of deposit.
The above is the latest interest rate of the Bank of China for large certificates of deposit in October. Therefore, if you have not deposited a large deposit certificate before and want to deposit it now, it is best to find out in advance to avoid missing out on higher interest rates from other banks.
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