It's different. The interest rate of ICBC is higher than that of CCB. The interest rate of ICBC 1 year is 1.90%, 2.40% for 2 years, 3.00% for 3 years and 3.05% for 5 years. China Construction Bank 1 annual interest rate 1.65%, 2-year interest rate15%, 3-year interest rate 2.60% and 5-year interest rate 2.65%. The full name of China Construction Bank is China Construction Bank Co., Ltd., which is a large state-owned bank managed by the central government.