2. Initial deposit is 300,000 yuan: three months, six months, 1.88%, 1, 2. 18%, and the interest rate for two years is 3.04%.

The above is the relevant content of ICBC's large deposit certificate interest rate in 2022.

Is ICBC's large deposit certificate risky?

1. On the level of capital safety factor: ICBC's deposit certificate is guaranteed by the bank deposit insurance system, which is a financial management method to ensure income. Due to the guarantee of the savings insurance system, even if the bank goes bankrupt, the principal and interest within 500 thousand can be paid in full;

2. Cash flow: Generally speaking, ICBC's certificates of deposit are suitable for early withdrawal, but when the withdrawal amount exceeds 50,000, users need to make an appointment in advance. In addition, CDs are usually transferable. Generally speaking, the hidden dangers of ICBC certificates of deposit are very low, so it cannot be said that there is no risk at all. After all, early withdrawal of certificates of deposit will lead to loss of interest, so users still need to think twice before withdrawing certificates of deposit in advance.

It is more cost-effective to deposit a large deposit certificate for several years.

1, commodity interest rate: the interest rate of large deposit certificates is determined by the benchmark interest rate of the central bank. Generally speaking, the longer the deposit term, the higher the deposit interest. Therefore, a longer savings period seems to be more cost-effective;

2. Market interest rate: If the interest rate of time deposits will gradually decrease in the future, it will be more cost-effective to deposit certificates of deposit for a long time, because the interest rate of certificates of deposit is fixed and will not decrease with the decrease of market interest rate;

3. Future investment opportunities: if users have better investment opportunities in the future and can get more financial benefits, then large deposit certificates do not need to be kept for too long, which is not very cost-effective;

4. Self-owned fund demand: users should consider the personal fund demand while considering the cost performance ratio of several-year certificates of deposit, which will not affect the normal use of personal funds.

What conditions do you need for a large pledged loan?

1, the applicant must be a natural person with full capacity for civil conduct, and have certain repayment ability under the condition of good personal credit information;

2. Hold the personal time deposit certificate in local and foreign currencies issued by the bank, and provide the original valid ID card of all users of the deposit certificate and the written document that all users of the deposit certificate are allowed to pledge;

3. When the borrower holds a term pledge loan, it is required to hold a personal deposit certificate and meet other conditions required by the bank.

This paper mainly focuses on the relevant knowledge points of ICBC's large deposit certificate interest rate in 2022, and the content is for reference only.