One-year and three-year education savings bear interest according to the interest rate of lump-sum and lump-sum time savings deposits of the same grade at the same period of account opening date;

Six-year education savings shall bear interest at the interest rate of five-year lump-sum savings deposit on the account opening date. If the interest rate of education savings is adjusted during the deposit period, it will still bear interest according to the interest rate on the date of opening the account.

Education savings refers to the special savings that individuals open accounts in designated banks and deposit a certain amount of funds for educational purposes according to the relevant provisions of the state. It is a special savings for students to pay the education funds needed for non-compulsory education. Education savings are registered in real-name registration system. When opening an account, the depositor should hold his/her (student's) household registration book or ID card and go to the bank to open a deposit account in his/her own name. At maturity, the depositor needs to withdraw the principal and interest in one lump sum with the passbook and relevant certificates.