Xinghua rural commercial bank. The national * * * loan has a fixed annual interest rate of 2.98%, and customers who get credit for the first time have the opportunity to get a 3-day interest-free coupon, which is a product launched by Xinghua Rural Commercial Bank. Xinghua Rural Commercial Bank is a developing small commercial bank, and its head office is located in xinghua city, Jiangsu Province, the northern city of the Yangtze River Delta with developed economy.