The loan interest rate of rural credit cooperatives for more than five years is 4.90%, and the fluctuation of the loan benchmark depends on the actual situation.

For short-term loans within one year (inclusive), the loan interest rate is 4.35%, for medium-term loans from one year to five years (inclusive), the loan interest rate is 4.75%, and for long-term loans over five years, the loan interest rate is 4.9%. If it is a personal provident fund loan, the loan interest rate is 2.75% for short-term loans of five years or less.