1, lump-sum deposit and withdrawal. The three-month lump-sum deposit and withdrawal interest rate is1.35%; The interest rate for half a year is1.56%; The annual interest rate for one year is1.78%; The annual interest rate for two years is 2.25%; The annual interest rate for three years is 2.75%; The annual interest rate for five years is 2.75%. Suppose there is a deposit of 65438+ 10,000 yuan, then the interest for one year is 1780 yuan, and for three years it is 8250 yuan.

2. lump-sum deposit and withdrawal, deposit and interest. One-year benchmark interest rate1.35%; The annual interest rate for three years is1.56%; The annual interest rate for five years is 1.56%. Suppose there is a deposit of 65,438+10,000 yuan, then the interest for one year is 1350 yuan, and for three years it is 4,680 yuan.

3. Life and work. One-time discount at the same grade interest rate within one year.

Time deposit is a deposit that depositors reserve a certain storage time when saving money. It is suitable for storing the balance of personal monetary income to meet the needs of people to deposit and withdraw money for a certain purpose. Including lump-sum deposit and withdrawal, lump-sum deposit and withdrawal, lump-sum deposit and withdrawal, deposit and interest withdrawal, etc. Time deposit has a long and stable term and is an important source of funds for banks.

The interest rate is higher than the current deposit, but the interest paid by the bank according to the actual deposit period is lower for the time deposit withdrawn in advance. There are mainly the following types of time deposits: lump-sum deposit and withdrawal, lump-sum deposit and withdrawal, deposit with interest, fixed deposit, notice and education deposit.

1. lump sum time deposit.

Fixed deposit by lump sum is a service in which the term of deposit is agreed at the time of deposit, the principal is deposited in one lump sum and the principal and interest are withdrawn in whole or in part.

Initial Deposit Amount and Term: The term deposit is divided into three months, six months, one year, two years, three years and five years from 50 yuan.

2. Lump sum time deposit.

Installment deposit refers to the service that customers deposit a fixed amount on a monthly basis and withdraw the principal and interest in one lump sum at maturity.

Initial deposit amount and deposit period: RMB lump sum deposit and withdrawal, 5 yuan deposit, unlimited deposit period. The term of deposit is divided into one year, three years and five years. The deposit amount is determined by the customer and deposited once a month.

3. Deposits with principal and interest.

Withdrawal of deposit principal and interest refers to the business of one-time deposit of deposit principal, agreed deposit period and interest withdrawal period, and one-time withdrawal of deposit principal and interest withdrawal by installments when the deposit expires.

Initial deposit amount and deposit period: 5000 yuan, initial deposit principal and interest are fixed. The term of deposit with principal and interest is divided into one year, three years and five years. The interest-bearing date of time deposit with deposit principal and interest is agreed by the customer when opening an account, and interest can be drawn once a month or several months; Interest shall not be withdrawn in advance before the interest withdrawal date; If no interest is calculated on the value date, interest can be calculated at any time in the future, but compound interest is not included.

4. Time deposits and convenient deposits

RMB fixed deposit is a kind of business with uncertain deposit term and the principal can be withdrawn at any time.

Initial deposit amount: time deposit, convenience deposit and 50 yuan deposit.

Deposit interest rate: if the deposit term is less than three months, the current interest will be paid according to the number of days; If the deposit period is more than three months (including three months) but less than half a year, the whole deposit period will bear interest at 60% of the three-month deposit rate on the withdrawal date; If the deposit term is more than half a year (including half a year) but less than one year, the lump sum deposit and withdrawal shall bear interest at a rate of 60% higher than the half-year deposit rate on the withdrawal date; If the deposit period is more than one year (including one year), no matter how long the deposit period is, the whole deposit period will bear interest at a discount of 60% at the one-year deposit rate on the withdrawal date.

5. Notice deposit

Call deposit is a kind of deposit with no agreed term. Before withdrawal, it is necessary to notify the bank in advance and agree on the date and amount of withdrawal. No matter how long the actual deposit period is, notice deposits can be divided into one-day notice deposits and seven-day notice deposits according to the length of the depositor's notice period in advance. One-day notice deposit must be notified one day in advance, and seven-day notice deposit must be notified seven days in advance.

6. Education savings

Education savings is a special time savings deposit with zero deposit and lump sum withdrawal, which enjoys preferential interest rate and can also get tax exemption for interest within the quota.

Initial deposit amount: 50 yuan, with a maximum principal of 20,000 yuan.

Deposit interest rate: when the deposit expires, the depositor can enjoy the lump-sum deposit and withdrawal interest rate with the admission notice of receiving non-compulsory education (full-time high school, junior college, undergraduate, master's and doctoral students) or the student identity certificate issued by the school where the depositor is receiving non-compulsory education. In case of interest rate adjustment during the deposit period, interest shall be calculated and paid according to the corresponding savings deposit interest rate announced on the account opening date, and interest shall not be calculated by installments.