Bank deposits are a traditional way of wealth management, which is loved by many investors because of its safety and reliability, good liquidity and other factors. Japan Post Bank is a large state-owned bank, and there are many people who choose to deposit their money in the bank. So, what is the latest deposit rate of the Postal Savings Bank?
The latest deposit rates of Japan Post Bank
The interest rate of Japan Post Bank deposits varies according to the type and maturity of the deposit, and in general, the interest rate of fixed deposits is higher than that of demand deposits, and the interest rate of long-term deposits is correspondingly higher than that of short-term deposits.
According to the deposit interest rate information officially released by Japan Post Bank, the following is the latest listed deposit rate of Japan Post Bank
1. The annual interest rate of demand deposit is 0.2%.
2. The annual interest rate of fixed deposit is 1.15% for three-month term, 1.36% for six-month term, 1.48% for one-year term, 1.65% for two-year term, 1.95% for three-year term and 2% for five-year term.
3. The annual interest rate of fixed deposits is 1.15% for one-year tenor, 1.36% for three-year tenor and 1.36% for five-year term.
4. The annual interest rate of fixed deposit is 6% discount according to the interest rate of the same grade of fixed deposit and lump sum deposit within one year, and the highest interest rate is 0.888%.
5. The annual interest rate of the agreed deposit is 0.7%.
6. The annual interest rate of call deposit is 0.25% for one-day call deposit and 0.8% for seven-day call deposit.
Among the above types of deposits, the effective interest rate of time deposits and call deposits may be different from the listed interest rate.
The interest rates for three-month, six-month, one-year, two-year, three-year and five-year tenors can reach up to 1.4%, 1.6%, 1.7%, 1.9%, 2.35% and 2.4% respectively.
The interest rate on call deposits can reach up to 0.7% for one day and 1.25% for seven days. However, the Postal Savings Bank's smart call deposit is about to be taken offline, and it will only be able to deposit ordinary call deposits in the future.
In addition to the above types of deposits, PSBC also has two types of deposits worth paying attention to, one is special deposits, and the other is large-value certificates of deposit.
The Postal Savings Bank has a wide variety of special deposits, with 5 types to choose from, and the interest rate is higher than that of ordinary time deposits, and the minimum deposit threshold is also higher than that of ordinary time deposits.
Among them, the interest rates for three months, six months, one year, two years, three years and five years can reach 1.4%, 1.6%, 1.7%, 1.9%, 2.35% and 2.4% respectively, and you only need more than 2,000 yuan to save.
Although the interest rate of the Postal Savings Bank's large-denomination certificates of deposit is higher than that of ordinary time deposits, it is only the same as the interest rate of special deposits. The interest rates for three months, six months, one year, two years, and three years are 1.4%, 1.6%, 1.7%, 1.9%, and 2.35%, respectively, and there are no five-year products.
Deposit 100,000 yuan in Japan Post Bank for one year's interest
There is no fixed answer to how much interest is deposited in the postal bank for 100,000 1 years, and it is related to how to choose how to save.
Suppose an investor deposits 100,000 yuan into a one-year ordinary lump sum fixed deposit of the Postal Bank, then the interest that can be obtained = 100,000×1.48% = 1,480 yuan.
You can also consider diversifying your deposits and depositing 100,000 yuan into fixed deposits of different maturities to take into account the liquidity and profitability of the funds. At the same time, you can also pay attention to the preferential activities of the postal bank to obtain higher returns.
On the premise of ensuring that you can save for at least three months, the most cost-effective is the special deposit, because it is the highest interest among all types of deposits. The interest of 100,000 yuan for one year is 1,700 yuan, and the interest for one year for five years is 2,400 yuan.
Although large-denomination certificates of deposit have the same interest rate as characteristic time deposits, a deposit of 100,000 yuan does not meet the threshold for depositing large-denomination certificates of deposit, so it cannot be deposited.