I. China Industrial and Commercial Bank 202 1 Deposit Interest Rate Table
Project annual interest rate%
I. Deposits of urban and rural residents and units
(1) Current account 0.30
(2) On a regular basis
1. lump sum deposit and withdrawal
Three months 1.35
Half a year 1.55
One year 1.75
Two years 2.25
2.75 pounds for three years
2.75 pounds for five years
2. lump-sum deposit and withdrawal, deposit and interest.
One year 1.35
Three years 1.55
Five years 1.55
3. Fixed-income and double-income loans will be discounted at the same interest rate regularly within one year.
Two. Agreed deposit 1.00
Three. deposit at notice
0.55 per day
Seven days 1. 10
Second, the advantages of ICBC deposits
1. Higher interest rate: The interest rate of time deposit is higher than that of demand deposit, and it is a traditional financial management tool. The longer the term of time deposit, the higher the interest rate.
2. Agreed rollover: The customer can agree on the rollover period at the time of deposit, and the principal and after-tax interest of the time deposit will be automatically renewed according to the rollover period.
3. Pledgeable loan: If the time deposit is about to expire, but the funds are urgently needed, the customer can apply for a pledge loan to avoid interest loss.
4. Can be withdrawn in advance: If the customer is in urgent need of funds, it can also be withdrawn in advance. If all unexpired time deposits are withdrawn in advance, interest shall be calculated and paid according to the deposit interest rate listed on the withdrawal date; If part of the withdrawal is made in advance, the interest will be calculated and paid according to the deposit interest rate listed on the date of withdrawal, and the interest will be calculated and paid according to the fixed deposit interest rate listed on the date of account opening.
Three. Initial amount and deposit term
1. RMB lump-sum time deposit is deposited in 50 yuan with unlimited term, which can be divided into three months, six months, one year, two years, three years and five years.
2. The initial deposit amount of foreign currency time deposit is generally not less than RMB equivalent foreign exchange and 50 yuan RMB, and the deposit period is divided into 1 month, 3 months, 6 months, 1 year and 2 years.
Fourth, the relevant operation guide
1. Opening an account: If you need to open a lump-sum deposit account, you need to show your valid ID to the business outlets. If you entrust others to open an account, you must also provide the identity certificate of the agent.
2. Deposit: You can deposit at business outlets with various bank cards or passbooks issued by ICBC.
3. Withdrawal: You can withdraw money from the business outlets with your bank card or passbook. If the withdrawal amount exceeds 200,000 yuan (including 200,000 yuan), you must make an appointment at the withdrawal outlet at least one day in advance. Apply for early withdrawal, and continue to provide my identity certificate. If you entrust others to do it for you, you must also provide the identity certificate of the agent.