According to the current annual interest rate of 2.28% for one-year deposits of Postal Savings Bank, the interest on one-year deposits of RMB 1 ten thousand yuan is calculated as follows:10000x2.28% x1= 228 yuan. The fixed term of a bank is three months, six months, one year, two years, three years and five years. Generally speaking, if the use time of funds is uncertain, they will choose to deposit for one year, while if they can put more time, they will generally choose three years. Because the interest rate difference between three years and five years is very small, there is no need to choose five years. However, different banks, different maturities and obvious differences in interest rates.