At present, the three-year benchmark interest rate is 2.75%, but rural commercial banks generally raise the interest rate of time deposits by up to 70 basis points, that is, the interest rate of three-year time deposits of rural commercial banks can reach up to 3.45%.

So if you deposit 200,000 yuan, the annual interest is 200,000 * 3.45% = 6,900 yuan, and the total interest for three years is 200,000 * 3.45% * 3 = 20,700 yuan.