What is education savings? What is the interest rate of 20 17 education savings deposit? Educational savings refers to the special savings that individuals open accounts in designated banks and deposit a certain amount of funds for educational purposes in accordance with relevant state regulations. The storage period is divided into three years and six years for primary and secondary school students, and the minimum storage amount for each household is 50 yuan. When opening an account, the depositor holds his/her (student's) household registration book and ID card. Open a deposit account in the bank in the name of the depositor (student). After maturity, the depositor must pay the interest in one lump sum with the passbook and relevant certificates. Then, how to deal with education savings, and what is the interest rate of education savings deposits?

Educational savings processing program

1. When opening an account, fill in the deposit voucher, select the deposit type as education deposit, and go through the account opening procedures according to the regulations of real-name registration system. The household registration name must be the name of the deposit object (student) and the name of the account holder. Household registration book (/kloc-under 0/6 years old) or resident ID card (/kloc-over 0/6 years old) must be provided. Parents or others who open accounts on their behalf must provide agent ID card.

2. Persistent deposits must be deposited in monthly installments according to the monthly deposit amount agreed at the time of opening an account. If the deposit is missed halfway, it will be replenished next month. If it is not paid, it will be paid in installments, that is, the interest will be calculated according to the current period when it is paid.

3.( 1) When withdrawing, the depositor shall pay the interest in one lump sum with the passbook and the compulsory education school student ID card (hereinafter referred to as the certificate) issued by the school and enjoy the preferential treatment of education savings. If the payment is overdue, interest shall be paid in accordance with the provisions of education savings during the storage period, and interest shall be tax-free. If payment is made beyond the original deposit period, interest shall be paid according to the deposit rate on the date of payment, and interest income tax shall be levied according to regulations. If the payment is made in advance, the payment shall be made in the above manner.

(2) If the depositor can't provide proof, he can't enjoy the preferential treatment of educational savings, and he can only withdraw the interest of savings deposits in lump sum from the same period of the account opening date.