As follows: time deposit: 1 year, with annual interest rate of 3.21%; 2 years, the annual interest rate is 3.5%; 3 years, with an annual interest rate of 3.98%. As the name implies, the threshold for certificates of deposit is relatively high. The initial purchase capital is 200,000 yuan, and some initial purchases are 300,000 yuan. The interest rate of certificates of deposit is higher than that of ordinary deposits, which can rise by 40% to 55%. If it is in a rural commercial bank, it has 300,000 deposits, and it is a three-year fixed deposit. According to the deposit interest rate of 202 1 year of 3.98%, the total income after three years of deposit is: 300,000 * 3 * 3.98% = 35,820 yuan, with an average monthly interest of 995 yuan, which is close to the income of 1000 yuan. The interest rate of bank certificates of deposit is related to the initial deposit amount and deposit term. Generally speaking, the higher the deposit amount, the higher the interest rate or the longer the deposit term, the higher the interest rate, and the interest rate is mainly between 1.3%-4. 18%.