8 10 yuan. According to the annualized interest rate of the bank, the annualized interest rate of 20,000 yuan is 4.05, which is 8 10 yuan in three years. Annualized interest rate is a description of income, which refers to the interest rate discounted to the whole year through the inherent rate of return of products, that is, the daily or monthly interest rate of products is converted into annual interest rate.