CCB is one of the four major banks in the mainland, with a long history and strong strength, so it is very safe and reliable to keep money in CCB, not to mention anything else. So, how much is the interest for three years for a large fixed deposit of 300,000 yuan in CCB?
How much is CCB's 300,000 large fixed interest?
300,000 deposits in China Construction Bank, basically all kinds of deposits can be deposited. The following is the interest rate of several major deposits of CCB.
1. Fixed deposits
(1) Whole deposit and withdrawal
The term of lump sum deposit and lump sum withdrawal is the most important term, in which the interest rate is 1.15% for three months, 1.35% for six months, 1.45% for one year, 1.65% for two years, and 1.95% for three years. The five-year interest rate is 2.00%.
If you plan to save for three years, you can save it except for five years, but it is best to save it for three years. If you deposit a three-year fixed term, 300,000 yuan for three years interest = 300,000 * 1.95% * 3 = 17,550 yuan.
(2) Lump sum deposit, lump sum deposit, principal deposit and interest
The interest rate is the same for all three types of time deposits, with a one-year interest rate of 1.15%, a three-year term of 1.35%, and a five-year term of 1.35%. If it is deposited for three years, 300,000 yuan for three years interest = 300,000 * 1.35% * 3 = 12,150 yuan.
(3) Fix two pennies
The interest rate of fixed deposit is 6% off the interest rate of the same grade for fixed deposit and lump sum deposit within one year, and 6% off the interest rate for the whole deposit and withdrawal of the whole deposit for more than one year.
Since the fixed interest rate of CCB's one-year lump sum deposit is 1.45%, the interest of 300,000 fixed deposit and two-penny deposit for three years = 300,000 * 1.45% * 3 * 0.6 = 7,830 yuan.
2. Special deposits
The main difference between the special deposit and the ordinary fixed deposit is that the minimum deposit threshold and deposit interest rate are different, and the minimum deposit threshold and deposit interest rate of the characteristic deposit are higher.
At present, CCB has two special certificates of deposit that can be deposited, with a minimum deposit of 2,000 yuan for three months to three years, and the deposit interest rate is the same, with interest rates of 1.4%, 1.6%, 1.7%, 1.9% and 2.35% for three-month, six-month, one-year, two-year and three-year periods respectively.
Among them, there is a special deposit with a five-year term, with a minimum deposit of 200,000 yuan and an interest rate of 2.4%.
If you plan to save for three years, it is still the most cost-effective to choose a three-year term, and the interest of 300,000 yuan for three years = 300,000 * 2.35% * 3 = 21,150 yuan.
3. Certificates of deposit in large amounts
CCB's large-denomination certificates of deposit are available in a one-month, three-month, six-month, one-year, two-year, and three-year term.
The interest rate is 1.5% for one and three months, 1.7% for six months, 1.8% for one year, 1.9% for two years, and 2.35% for three years.
Obviously, the three-year deposit is definitely the most cost-effective, and the interest of 300,000 deposits for three years is 21,150 yuan.
In addition to the interest rate, investors also need to consider other factors when choosing a large certificate of deposit, such as the terms of the transfer of the certificate of deposit, the provision of early withdrawal, etc. Although the interest rate on large-denomination certificates of deposit is relatively high, the liquidity of non-negotiable certificates of deposit is average, and it is usually necessary to wait for maturity before withdrawing after purchase, otherwise the interest income will be affected.
4. Call deposit
A call deposit is a short-term deposit that has the advantage of being flexible and can be accessed freely, but with a relatively low interest rate. CCB's two-term call deposit has an interest rate of 0.7% for a 1-day term and a 1.25% interest rate for a 7-day term, with a minimum deposit of 50,000 yuan. If 300,000 yuan is deposited in a call deposit, the maximum interest for three years is 11,250 yuan.
It can be seen that if you want to deposit 300,000 yuan in China Construction Bank for three years, from the perspective of interest, the best choice at present is a three-year special deposit and a three-year large-amount certificate of deposit.