Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank and Bank of China have always been the banks where ordinary people go to deposit money most often. The main reason why people are more inclined to deposit money in these banks is that these big banks are stronger and more secure to save money.
So after entering May, are there any new changes in the deposit interest rates of these four major banks? Are there any new adjustments to deposit products and related thresholds? Next, let's introduce it in detail, taking the principal of 200,000 yuan as an example, how much is the interest on various types of deposits?
.01
Basic fixed deposits with the big four banks
The so-called basic version of the fixed deposit, which is often referred to as the lump sum deposit and the deposit period, when you save money in this way, you only need to calculate the interest according to the agreed deposit period and interest rate, and withdraw the principal at one time after maturity.
At present, there are a total of six deposit periods, namely 3 months, 6 months, 1 year, 2 years, 3 years and 5 years, and the initial deposit period only needs 50 yuan.
In the basic version of the fixed deposit, the interest rate given by the four major banks is called the listed interest rate, and this listed interest rate is the vane of the entire deposit interest rate system.
After entering 2024 to now, there has been no new change in the listed interest rates of fixed deposits of the four major banks, and the latest adjustment was in late December last year, and many market experts predict that there will be a reduction in the listed interest rate in 2024, but the time has not yet come.
At present, the listed interest rate of the four major banks on fixed deposits and the corresponding interest on deposits of 200,000 yuan are still 575 yuan for 3 months at 1.15%, 1.35% at 1 month at 1,350 yuan, 1.45% at 1 year at 2,900 yuan, 1.65% at 6,600 yuan for 2 years, 11,700 yuan at 1.95% for 3 years, and 20,000 yuan at 2.00% for 5 years.
.02
Upgraded fixed deposits with the four major banks
The so-called upgraded fixed deposit is to raise the interest rate on top of the basic version, but this increase is not for everyone, and the bank will set different screening conditions based on its own business characteristics, customer group characteristics, actual situation and other factors.
We can check the maximum interest rate of fixed deposits through the deposit area through mobile banking, and after entering the deposit amount, we can clearly check the actual interest rate we can deposit.
Therefore, the interest rate of the upgraded time deposit will be different for different people, and the bank will also give the highest interest rate for each deposit period.
At present, the maximum interest rates for the upgraded time deposit in May 2024 are: 1.40% for 3 months, 1.60% for 6 months, 1.70% for 1 year, 1.90% for 2 years, 2.35% for 3 years and 2.40% for 5 years.
If we deposit 200,000 yuan at this interest rate, the corresponding interest income realized is: 700 yuan for 3 months, 1600 yuan for 6 months, 3400 yuan for 1 year, 7600 yuan for 2 years, 14100 yuan for 3 years, and 24000 yuan for 5 years.
It is worth mentioning that the specific interest rate level also needs to be calculated according to our actual deposit amount, and each bank will comprehensively determine the actual deposit interest rate based on multiple factors such as the size of the customer's funds, the region where it is located, and the attributes of the customer group. For example, some people deposit 5,000 with an interest rate of 2.2%, and some people deposit 10,000 with an interest rate of 2.3%. Therefore, the specific interest rate is subject to the actual situation.
.03
Featured deposits from the Big Four
In addition to the basic and upgraded fixed deposits, major banks will also launch some special deposit products according to their actual conditions, and will also give some attractive interest rates in these deposit products.
At present, ICBC's characteristic deposits are called exclusive deposits, which are for different customer groups; The special deposit in CCB is Wangcai Deposit, which has certain requirements for the minimum deposit amount compared with other deposit products.
However, the Agricultural Bank of China and the Bank of China do not clearly show that they have special deposits, but the Agricultural Bank of China's Yinliduo series products are between upgraded and special deposits.
1. ICBC's exclusive deposits are mainly for five types of customers, namely social security card customers, baby growth customers, agency customers, county-level customers and new citizen customers. Different exclusive deposits provide different deposit products, social security card exclusive and baby growth exclusive both provide 1-year and 3-year deposit products, but the minimum deposit amount is different; Both the drop-issuance exclusive and the county exclusive offer 3-month, 6-month, 1-year, 2-year and 3-year deposit products; For new citizens, 3-year and 5-year deposit products are available.
The specific deposit interest rate, you are interested in the bank to understand, we are here to talk about the characteristics of the construction bank deposit - Wangcai deposit, this deposit is mainly divided into two grades according to the different amount of deposit.
The first tranche is a minimum deposit of 2,000 yuan, with 3 months, 6 months, 1 year, 2 years and 3 years of deposit products;
The second tranche is a minimum deposit of 200,000 yuan, with only a 5-year option and an annual interest rate of 2.4%.
Epilogue:
In deposit and financial management, although the interest income is not very high, it can add some value to our idle funds, and it is also a very safe way to manage money, which can hedge the impact of inflation to a certain extent.
Therefore, if you have a deposit demand, you can choose a bank, deposit type and deposit period that suits you based on the above three types of time deposits, personal funds, and capital planning.
Wan Ziwen said: Every word of the article was typed out by me, and I clicked "watching" to let me know that you are also "doing your best" for life.
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