Rural banks are qualified for financial services such as deposit, loan and transaction settlement, and the deposit interest rate is higher than that of large commercial banks. Take Zhongyuan rural bank as an example. The fixed deposit interest rates for ten thousand yuan deposits are 2.45% for three months, 2.75% for six months, 3.5% for one year, 3.95% for two years, 4.925% for three years and 5.7% for five years.