The Postal Savings Bank time deposit interest rate in 2021 is as follows:
1. Whole deposit and withdrawal:
Three months 1.35
Half year 1.56
One year 1.78
Two years 2.25
Three years 2.75
Five years 2.75
2. Partial deposits and lump sum withdrawals, lump sum withdrawals and principal deposits and interest withdrawals
One year 1.35
Three years 1.56
Five years 1.56
Supplementary information:
1. Description of Postal Bank’s lump-sum time deposit:
1. The lump-sum time deposit is a deposit period agreed at the time of deposit, and the principal is deposited in one lump sum A regular deposit in which the principal and interest are withdrawn at maturity.
2. The minimum deposit for RMB lump sum time deposit is 50 yuan, and the deposit period is divided into three months, six months, one year, two years, three years and five years.
3. Convenient transfer: Provide agreed transfer and automatic transfer services for lump sum time deposits. There is no limit on the number of transfers for both agreed transfer and automatic transfer. (If you agree to transfer the deposit at maturity when you open the account, after the time deposit matures, the time deposit together with the principal and interest will be automatically transferred to the time deposit of the same grade and the same deposit period. The automatic transfer service does not require an agreement. When the time deposit arrives, After the term, the time deposit together with the principal and interest will be automatically transferred to the fixed deposit of the same grade and deposit period)
4. Advance withdrawal is possible: lump sum withdrawals (including after transfer) can be made multiple times (up to 5 times) Handle partial advance withdrawal. After partial early withdrawal, the remaining funds shall not be less than 50 yuan. The remaining funds will be regenerated into a new account according to the account opening outlet, and the value date will be the original value date.
Extended information:
China Post Bank business details:
1. Personal services
1. Investment and financial management: financial management, insurance , funds, precious metals, treasury bonds, capital depository, asset management plans, and personal product information inquiry platform.
2. Credit card: credit card family portrait, credit card installment, points mall, credit card services, and quick functions.
3. Debit cards and (deposits, loans and exchanges): debit cards, personal deposits, credit services, foreign exchange, payment and settlement.
4. Personal electronic banking: personal mobile banking, personal online banking, telephone banking, self-service banking, WeChat banking, and savings SMS service.
5. VIP services: VIP cards, special services.
2. Company services
1. Account services: service standards and procedures, convenient account opening, appointment processing, and bank confirmation letters.
2. Product services: corporate deposits, corporate credit, cross-border finance, domestic trade financing, bill business, cash management, corporate financial management, custody business, investment banking, corporate settlement, and fund custody.
3. Corporate electronic banking: corporate online banking, telephone banking, self-service banking, and bank-enterprise direct connection.
4. Value-added services: financial solutions, business guides.
5. Interbank finance.
3. Sannong Services
1. Sannong Services: Youyidai-Jisudai, Nongdaitong, Zhengdaitong, Industrial Chain Operation Loan, Shangdaitong, Agriculture Professional cooperation 2. Social loans.
3. Small business credit products: Youyidai-Small and Micro Easy Loans, Science and Technology Small Business Loans, General Small Business Loans, and Special Small Business Loans.