What you want to ask is that the annual interest rate is 8.76%? Tall man. According to the query of Cai Chen Investment Network, the interest rate of banks is declining, and the regular annual interest rate is between 3% and 4%, so the annual interest rate of 8.76% is on the high side. The annual interest rate refers to the deposit interest rate for one year. The so-called interest rate is the abbreviation of "interest rate", which refers to the ratio of interest amount to deposit principal or loan principal in a certain period of time.