: lump sum deposit and withdrawal: the annual interest rate of the three is1.5%; The half-yearly interest rate is1.75%; The annual interest rate for one year is 2.0%; The annual interest rate for two years is 2.41%; The annual interest rates for three years and five years are 3. 1.25% respectively. 10000 yuan one-time interest for one year is10000 * 3.125% *1= 312.5 yuan; The interest rate of local rural commercial banks may be different from that of official website, so you can consult the local bank outlets.