Demand deposit 0.350%-0.385%
Regular 3 months 2.600%-2.860%
Regular 6 months 2.800%-3.080%
Term 1 year 3.000%-3.300%
Regular 2 years 3.750%-4. 125%
Regular 3 years 4.250%-4.675%
Regular 5 years 4.750%-5.225%
1. Time deposit is also called "time deposit certificate". 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.
2. Cash and current savings deposits can be directly applied for time savings deposits, and the initial deposit amount of time accounts is 50 yuan, with no deposit limit.
The storage period is three months, six months, one year, two years, three years and five years. Partial withdrawal can be made in advance. When the deposit expires, the principal and interest can be withdrawn by the certificate of deposit, or it can be automatically transferred in installments according to the original deposit period.
Interest shall be calculated and paid at the deposit interest rate on the day when the deposit certificate is issued, at the current deposit interest rate on the day of withdrawal for early withdrawal and at the deposit interest rate on the day of withdrawal for overdue withdrawal. I can apply for a small pledge loan with my time deposit certificate.
For the unexpired time savings deposit, the depositor must hold the certificate of deposit and the identity certificate of the depositor in advance; If the withdrawal is made on behalf of the depositor, the payee must also hold his own identity certificate, and the interest rate shall be calculated and paid according to the current savings deposit interest rate announced on the date of withdrawal. The payee must also sign the name of the payee on the payment voucher.
For unexpired time savings deposits, depositors can make partial withdrawal in advance according to their needs, and the verification procedures remain unchanged. The interest rate of the early withdrawal part is paid according to the interest rate of the current savings deposit listed on the withdrawal date, and the retained part is paid according to the original interest rate when it is withdrawn on the original deposit date. Deposit and withdrawal of time deposits in lump sum, and each certificate of deposit can only be partially withdrawn in advance once. Where partial early withdrawal has been made, the savings institution shall indicate the words "partial early withdrawal" on the paid deposit slip and the newly opened deposit slip. (After 20 11March1,the lump-sum deposit in CCB, whether deposited before or after, can be partially withdrawn indefinitely, and it is no longer restricted once. )