#文章首发挑战赛#
In the past few days, I have been logging in to several mobile banks to see if there are any deposit products with higher interest rates. Looking at the annual interest rate of several bank deposit products, it is really low.
Industrial and Commercial Bank of China:
The interest rate of a large-denomination certificate of deposit with a minimum deposit of 200,000 yuan is only 1.8% for 1 year and 2.35% for 3 years.
For general certificates of deposit, the 1-year annual interest rate is only 1.7%.
Abc:
The annual interest rate for a 1-year certificate of deposit is only 1.45%, which is too low.
MYbank:
The interest rate for 1-year certificates of deposit is 1.9%, and the annual interest rate for 3-year deposit products reaches 3%.
Postal Savings Bank:
Since there is no mobile banking green card, it is impossible to query the specific interest rate data.
Up to 2% p.a. interest rate for fixed deposits and 2.35% p.a. for featured deposits
The 1-year interest rate of the local entity Postal Savings Bank counter is 1.75%.
Hubei Provincial Rural Commercial Bank:
The 1-year interest rate was 1.9% over the counter of the local rural commercial bank.
Fumin Bank:
The interest rate of 1-year certificates of deposit is 2%, and the annual interest rate of 3-year deposit products reaches 3.25%.
If you look at these banks, the deposit interest rates are relatively low.
Finding a bank deposit product with a higher interest rate is like looking for a needle in a haystack!
Hard work pays off!
Finally, I found a bank, and the interest rate on the deposit product is relatively high: the maximum deposit period is two years, the annual interest rate reaches 4%, the one-year tenor is 3.9%, and the six-year tenor is 3.8%.
Nos. 4, 5, and 6 deposited several W's in 3 installments.
This bank has deposit insurance protection and can issue certificates of deposit, which should be guaranteed within 50W.
The bank's deposits could only be transferred to a large state-owned bank when they expired, and there was no other way to flow out of funds, thus ensuring the safety of funds.
A two-year deposit product with an annual interest rate of 4% is not a ceiling at present!