If the deposit term is more than three months (including three months) but less than half a year, the interest shall be calculated at a discount of 60% according to the three-month lump-sum deposit rate listed on the withdrawal date. The answer is as follows:

At present, the annual interest rate of lump-sum deposit and withdrawal for three months is 3. 10%, and it is 3. 10%*60%= 1.86% after a 60% discount.

For example:

1, principal 10000 yuan, deposited for 3 months, interest:10000 * (3.10% * 60%/12 * 3) = 46.50 yuan.

2. The principal 10000 yuan was deposited for 4 months, and the interest:10000 * (3.10% * 60%/12 * 4) = 62 yuan.

And so on.

If the deposit period reaches 6 months (half a year), the annual interest rate of lump-sum deposit and lump-sum withdrawal for 6 months shall be calculated, and the annual interest rate of 6-month current account shall be 3.30%.