In 2022, the interest rate of large deposit of 200,000 yuan in the Postal Savings Bank is one month 1.9%, three months 1.9%, six months 2 1%, 1 year 2.3%, two years 2.9% and three years 3.55%. Certificate of deposit is one of the bank's savings products, with a minimum deposit of 200,000 yuan and a relatively high interest rate. In addition, certificates of deposit also have the function of transferability. The above is the relevant content of the large deposit interest rate of the Postal Savings Bank in 2022.

Large deposit method

1. deposit products: generally, demand deposits are not selected for large deposits. Usually, the annual interest rates of time deposits and certificates of deposit are relatively high. There are also structured deposits issued by banks, which are not entirely deposits, but the cost of deposits is also guaranteed by relevant systems, so they can be considered as deposit products;

2. Deposit banks: If it is a time deposit, basically all banks can apply, and only some banks issue large deposit certificates and structured deposits. The annual interest rate of bank deposits is that commercial banks fluctuate according to the benchmark interest rate of loans. The stronger the overall strength of general banks, the lower the deposit requirements and the lower the annual interest rate of deposits.

3. Term of deposit: Deposit products have many terms. Whether it is a time deposit or a large deposit certificate, interest can only be calculated according to the deposit interest rate before maturity, so the requirements of asset use should be fully considered when choosing the deposit term.

Is there any security risk in the transfer of certificates of deposit?

The transfer of certificates of deposit is risky. There are three major risks in the transfer of certificates of deposit:

1. Risk of loss of interest: If the transfer price set by the transferor exceeds the sum of the initial cost of the product and the expected rate of return, the transferor is likely to suffer economic losses. The amount paid by the transferee is the transfer price, including the transfer cost (the deposit amount of the personal deposit certificate), the expected interest of the transferor during the holding period and the premium/discount amount set by the transferor separately. If the transferee transfers the certificate of deposit products in advance, the total interest earned may be lower than the part of the transfer that exceeds the cost of the certificate of deposit, and the corresponding total principal and interest will also be lower than the previous price of the transferee. At this time, the assignee

Interests will be damaged;

2. Interest rate risk: during the existence of commodities, there is a probability that the market interest rate will fluctuate, which may lead to the commodity with personal certificates of deposit being lower than the current interest rate;

3. Transaction risk: Before the transaction is successful, the transfer will fail because the deposit certificate of the other party is frozen by the judicial organ or other competent organs.

Therefore, before transferring certificates of deposit, customers should pay attention to the risks of transfer to avoid economic losses. This article is mainly about the knowledge points about the interest rate of large deposits of Postal Savings Bank in 2022, and the content is for reference only.