The annual interest rate is 0.35%, that is, 0.035 times 10000 to get 35, so the annual interest rate is 0.35%, and the monthly interest rate of 1 10,000 yuan is 35 yuan.

The annual interest rate refers to the deposit interest rate for one year. The so-called interest rate is the abbreviation of "interest rate", which refers to the ratio of interest amount to deposit principal or loan principal in a certain period of time.