The deposit interest rate of each bank will fluctuate in a certain proportion on the basis of the central bank's benchmark interest rate, and the deposit interest rates of different banks are different. At present, the benchmark deposit interest rate of the central bank is as follows: demand interest rate 0.35%, three-month 1. 1%, six-month 1.3%, 1.5%, two-year1%and three-year 2.5%.

The People's Bank of China decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions from 20 15124, to further reduce the social financing costs. Among them, the benchmark interest rate for one-year loans of financial institutions was lowered by 0.25 percentage points to 4.35%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to1.5%; The benchmark interest rates of other loans and deposits and the lending rates of the People's Bank of China to financial institutions are adjusted accordingly; The interest rate of individual housing provident fund loans remains unchanged.

On February 29th, 20 16, the People's Bank of China announced that since March 1 day, the RMB deposit reserve ratio of financial institutions has been generally lowered by 0.5 percentage point. This move aims to maintain a reasonable and sufficient liquidity in the financial system, guide the steady and moderate growth of money and credit, and create a suitable monetary and financial environment for supply-side structural reform.

The deposit interest rates of China Bank and Agricultural Bank are the same, namely, current account is 0.3, three months 1.43, six months 1.69, one year 1.95, two years 2.73, three years 3.575 and five years 3.575.

ICBC's current account is 0.3, three months 1.43, six months 1.69, one year 1.95, 2.73 for two years, 3.575 for three years and 3.575 for five years.

The current account of China Construction Bank is 0.3, three months 1.54, six months 1.82, one year 2. 1, two years 2.94 and three years 5.85.