Interest = principal × interest rate× deposit term
Half-year interest = 60000× (3.05% ÷12 )× 6 = 915 yuan. Note: Interest tax ceased to be levied on June 9, 2008 and is now tax-free. Fixed deposit (dead deposit period) refers to a form of savings in which depositors deposit cash into a fixed deposit account opened by a banking institution, and agree in advance to deposit it for a fixed period of time, and get a return at a higher interest than the current deposit, and then receive the principal and interest after maturity. A deposit in which the bank and the depositor agree on the term and interest rate in advance at the time of deposit and withdraw the principal and interest after maturity. If depositors need funds before maturity, some certificates of deposit can be sold in the market; Some certificates of deposit cannot be transferred. If depositors choose to withdraw funds from the bank before maturity, they need to pay a certain fee to the bank.
Extended data:
1, fixed deposit with constant interest rate will be automatically transferred.
If it is automatically transferred after maturity and the bank deposit interest rate has not changed, then we don't have to worry at all. Automatic transfer will directly put your deposit into the next deposit cycle and start again according to the previous deposit cycle.
But we should pay attention to the issue of deposit interest rate. The deposit interest rate here is not the national benchmark interest rate, but the deposit interest rate adjusted by banks according to their own conditions. Subject to the listing of the bank, we can ignore the interest rate unchanged.
2. Time deposits that are automatically transferred when interest rates rise.
If the interest rate rises, if you want to keep saving, you'd better take out your money and save it again to enjoy the latest deposit rate.
3. Time deposits that have not been automatically transferred. Although we said that it has not been automatically transferred due, the money in the account will not have any impact. But if we are not automatically transferred, the bank will transfer your money to the current account, and the interest rate difference between the current account and the fixed account.