The interest rate for short-term loans (6 months) is 6.57%, and the interest rate for long-term loans is 7.47 (6 months to 1 year).

7.56% is required from 1 to 3 years, 7.74% and 7.83% are required from 3 to 5 years.

Changxing Rural Bank belongs to Changsha Bank. It is a state-owned commercial bank in the Tujia and Miao Autonomous Region in western Hunan. It was established in December 2010.