The benchmark interest rate for three-year lump-sum deposit and withdrawal is 2.75%, so the three-year lump-sum deposit and withdrawal interest of 200,000 yuan is 200,000 * 2.75% * 3 = 16500 yuan.

Interest is calculated and paid according to the deposit interest rate on the day when the certificate of deposit is opened in advance, and interest is calculated and paid according to deposit interest rate on the date of withdrawal in case of overdue withdrawal.

I can apply for a small pledge loan with my time deposit certificate.

For the unexpired time savings deposit, the depositor must hold the certificate of deposit and the depositor's identity certificate in advance, and the depositor must also hold his identity certificate on behalf of the depositor. The interest rate is calculated and paid according to the current savings deposit rate listed on the withdrawal date. The payer must also sign the payer's name on the payment voucher.