Banks with high interest rates on time deposits: Postal Savings Bank, Minsheng Bank, city commercial banks, rural commercial banks, credit cooperatives and private banks.

1. At present, there are six large state-owned commercial banks in China, namely Industrial and Commercial Bank, China Construction Bank, Agricultural Bank, China Bank, Bank of Communications and Postal Savings Bank. Among them, the deposit interest rate of establishing diplomatic relations between workers and peasants is relatively low, which is also the lowest deposit interest rate in the market at present. The interest rate of ordinary deposits in these major banks is only about 3.85% in the three-year period, and the large deposit certificates are only about 4. 18%. Relatively speaking, the deposit interest rate of the Postal Savings Bank is relatively high. At present, the three-year interest rate of ordinary deposits in Postal Savings Bank is about 4. 12%, which is much higher than the other five banks.

2. Joint-stock banks include China Merchants Bank, Industrial Bank and Minsheng Bank. The current deposit rates of these banks are similar to those of large state-owned banks, and the deposit rates of individual outlets are slightly higher than those of large state-owned banks, but most of them are actually similar to those of several large state-owned banks. The interest rate of ordinary deposit is about 3.58% ~ 3.85%, and the deposit certificate is about 4. 18%.

At present, the deposit interest rate of city commercial banks is higher than that of other big banks. These banks mainly serve the local area, and their customer groups are mainly local. In order to compete with other big banks, their floating interest rates will be higher. For example, at present, some city commercial banks can offer a three-year ordinary deposit interest rate of about 4.2625%, and even some banks can offer 4.5%.

5. It is said that the bank with the highest deposit interest rate belongs to private banks. Private banks are a kind of banks that have only emerged in recent years. These banks have few outlets and small scale, so in order to absorb more deposits, they usually give higher interest. Especially in the last two years, smart deposit rates introduced by some banks are more attractive. In some banks, the five-year maturity rate of smart deposits can reach about 5.8%, and these deposits can be withdrawn in advance and filed in advance. Some banks can get an interest rate of more than 4% if they withdraw more than one year in advance, which is still very impressive.

Which banks have higher deposit interest rates?

Banks with high deposit interest: Postal Bank, Industrial and Commercial Bank of China, Agricultural Bank, China Bank and China Construction Bank.

1, Postal Bank. The highest interest rate is the Postal Savings Bank. Only the current account is 0.3% like the other five major banks, and the interest rate for three months to five years is significantly higher than that of the five major banks, especially 4. 125% for three years.

2. China Industrial and Commercial Bank. The interest rate of ICBC's current deposit is 0.3%, the six-month interest rate is 1.69%, and the five-year and three-year interest rates are 3.85%, which is relatively high compared with other banks.

Agricultural bank. The interest rates of three-month, six-month, one-year and two-year demand deposits of Agricultural Bank of China are the same as those of ICBC, but the interest rates of three-year and five-year time deposits are relatively low, only 3.575%.

Bank of China. The deposit interest of China Bank is the same as that of Agricultural Bank, so you can deposit it in Agricultural Bank or China Bank.

China Construction Bank. The interest rates of three-month, six-month, one-year and two-year time deposits of China Construction Bank are higher than those of Industrial and Commercial Bank, Agricultural Bank and China Bank, but lower than those of postal services. However, the interest rates of three-year and five-year time deposits are the lowest, only 3.52%.

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The basic formula for calculating the interest of savings deposits is: interest = principal × deposit term × interest rate;

Interest rate conversion, in which the conversion relationship among annual interest rate, monthly interest rate and daily interest rate is: annual interest rate = monthly interest rate × 12= daily interest rate × 360; Monthly interest rate = annual interest rate12 = daily interest rate × 30; Daily interest rate = annual interest rate ÷360= monthly interest rate ÷30

The interest rate of savings deposits shall be stipulated by the state and promulgated by the People's Bank of China. Interest rate, also known as interest rate, is the ratio of interest to principal on a certain date, which is generally divided into annual interest rate, monthly interest rate and daily interest rate. The annual interest rate is expressed as a percentage, the monthly interest rate is expressed as one thousandth, and the daily interest rate is expressed as one thousandth.

General provisions of interest calculation

1, interest range Commercial banks absorb depositors' funds. Except for deposits in the financial budget and funds with special provisions, no interest is calculated. Interest should be paid as required. The accounting department shall, according to the interest settlement period and calculation method. Calculate interest accurately. Payable and unpaid deposit interest shall be accounted for on the accrual basis.

2. Interest bearing time

The term of deposit is the time of deposit. Generally speaking, the term of deposit is "beginning, not end". That is, deposit it in El to calculate interest. Interest is not calculated on the withdrawal date. Its calculation method is from the depositor's date to the first 1 day withdrawal.

When calculating interest, the term calculation of time deposit and demand deposit is different.

When calculating time deposit interest. According to the method of "counting the heads but not the tails" in the deposit period. From deposit 13 to the day before withdrawal. Generally speaking, the term of deposit is calculated by year and month. 360 days a year. The month is calculated as 30 days.

Unless the company's demand deposit is closed, the deposit and withdrawal business is generally continuous. Therefore. Interest on demand deposits is generally settled regularly. In other words, interest is calculated quarterly. The specific method is to use the balance sheet or the second account to calculate the interest-bearing products.

The deposit period of demand deposits is also calculated according to the actual number of days. The actual number of days is 13 calendar days. The large month is calculated as 3 1 day. Abortion counts as 30 days. The average monthly calculation is 28 days.

Interest is calculated quarterly on demand deposits of personal savings. The 20th day at the end of each quarter is the interest settlement date, from 2 1 in the previous quarter to the 20th day of this quarter.

Calculation of time deposit interest of units and individuals. According to the level of deposit term. On the maturity date of the deposit, the interest will be paid off with the principal. Interest tax is not required for unit deposit interest. Personal savings deposit interest needs to pay 20% interest tax.

Which bank has higher deposit interest?

Banks with relatively high deposit interest rates are Postal Bank, China Construction Bank and Bank of Communications.

Interest is the use fee of money in a certain period of time, which refers to the reward that the holder of money gets from the borrower for lending money or monetary capital. Including deposit interest, loan interest and interest generated by various bonds. Under the capitalist system, the source of interest is the surplus value created by hired workers.

Which bank has the highest deposit interest rate?

1. At present, there are six large state-owned commercial banks in China, namely Industrial and Commercial Bank, China Construction Bank, Agricultural Bank, China Bank, Bank of Communications and Postal Savings Bank. Among them, the deposit interest rate for the establishment of diplomatic relations between workers and peasants is relatively low, and it is also the lowest bank in the market at present. The three-year maximum interest rate of ordinary deposits of these big banks is only about 3.85%, and the large deposit certificates are only about 4. 18%. Relatively speaking, the deposit interest rate of the Postal Savings Bank is relatively high. At present, the three-year interest rate of ordinary deposits in Postal Savings Bank can reach about 4. 12%, which is much higher than the other five major banks.

2. Joint-stock banks include China Merchants Bank, Industrial Bank and Minsheng Bank. The current deposit rates of these banks are similar to those of large state-owned banks. The deposit rates of individual outlets are slightly higher than those of large state-owned banks, but most of them are actually similar to those of several large state-owned banks. The general deposit interest rate is about 3.58%~3.85%, and the large deposit certificate is about 4. 18%.

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3. The current deposit interest rate of city commercial banks is higher than that of other big banks. These banks mainly serve the local area, and their customers are mainly local people. In order to compete with other big banks, their floating interest rates will be higher. For example, at present, the interest rate of three-year ordinary deposits in some city commercial banks can reach about 4.2625%, and even some banks can reach 4.5%.

4. Rural commercial banks and credit cooperatives are actually the same system. At present, the deposit interest rates of these banks are relatively high. Of course, it also depends on their region, because the deposit interest rates in different regions vary greatly. Like some rural commercial banks in remote places, the five-year interest rate can even be above 5%, and the three-year ordinary deposit rate can also be around 4.5%.

5. To say that the bank with the highest deposit interest rate is a non-private bank. Private banks have only emerged in recent years. These banks have few outlets and small scale. In order to absorb more deposits, they usually offer higher interest rates. Especially in the last two years, smart deposit rates introduced by some banks are more attractive. The maturity rate of five-year smart deposits in some banks is about 5.8%. These deposits can be withdrawn in advance and timed in advance. Some banks can get more than 4% interest rate if they deposit for more than one year and withdraw in advance. This interest rate is still considerable.