4.35, 4.75, 4.9. According to a query on the official website of Zhongyuan Rural Bank, the bank's interest rate is 4.35 for six months or less (including six months), the interest rate for a loan period of one to three years (including three years) is 4.75, and the interest rate for a loan period of more than five years is 4.9. Zhongyuan Rural Bank Co., Ltd. was established on March 16, 2012.