The latest time deposit interest rate table of rural commercial banks in 2022: demand deposit is 0.385%; The lump-sum deposit and lump-sum withdrawal shall be fixed for three months 1.700%, six months 1.950%, 2.200% for one year, 2.750% for two years, 3.250% for three years and 3.500% for five years; Installment deposit, installment deposit, one-year 1.485%, three-year 1.705%, five-year 2.525%.

Ruralcommercialbank, referred to as rural commercial bank for short, is a joint-stock local financial institution composed of farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations.

Rural cooperative banks should all be restructured into rural commercial banks.

2065438+On May 2, 2009, the People's Bank of China published the Notice of the People's Bank of China on Reducing the RMB Deposit Reserve Ratio of Rural Commercial Banks Serving Counties, which further refined the policy framework of implementing a lower deposit reserve ratio for small and medium-sized banks announced by the Central Bank on May 6.

Cash and current savings deposits can be directly applied for time savings deposits. The initial deposit for a fixed account is 50 yuan, and there is no deposit limit.

The storage period is three months, six months, one year, two years, three years and five years. Partial withdrawal can be made in advance. When the deposit expires, the principal and interest can be withdrawn by the certificate of deposit, or it can be automatically transferred in installments according to the original deposit period.

Interest shall be calculated and paid at the deposit interest rate on the day when the deposit certificate is issued, at the current deposit interest rate on the day of withdrawal for early withdrawal and at the deposit interest rate on the day of withdrawal for overdue withdrawal. I can apply for a small deposit with my time deposit certificate.

For the unexpired time savings deposit, the depositor must hold the certificate of deposit and the identity certificate of the depositor in advance; If the withdrawal is made on behalf of the depositor, the payee must also hold his own identity certificate, and the interest rate shall be calculated and paid according to the current savings deposit interest rate announced on the date of withdrawal. The payee must also sign the name of the payee on the payment voucher.

For unexpired time savings deposits, depositors can make partial withdrawal in advance according to their needs, and the verification procedures remain unchanged. The interest rate of the early withdrawal part is paid according to the interest rate of the current savings deposit listed on the withdrawal date, and the retained part is paid according to the original interest rate when it is withdrawn on the original deposit date.

Deposit and withdrawal of time deposits in lump sum, and each certificate of deposit can only be partially withdrawn in advance once. Where partial early withdrawal has been made, the savings institution shall indicate the words "partial early withdrawal" on the paid deposit slip and the newly opened deposit slip.

(After 20 11March1,the lump-sum deposit in CCB, whether deposited before or after, can be partially withdrawn indefinitely, and it is no longer restricted once. )

Two. Interest rate of fixed deposits of rural commercial banks in 2022

List of deposit interest rates in 2022: the current interest rate is 0.35%; The interest rate for three months is1.573%; The interest rate for 6 months is1.859%; 1 year interest rate is 2. 145%. Rural Credit Cooperatives: Rural Credit Cooperatives refer to rural cooperative financial institutions established with the approval of the People's Bank of China, which are composed of members' shares, implement democratic management and mainly provide financial services for members. Rural credit cooperatives are independent enterprise legal persons, which are responsible for the debts of rural credit cooperatives with all their assets and enjoy civil rights according to law. Its property, legitimate rights and interests and business activities carried out according to law are protected by state laws. Its main task is to raise idle funds in rural areas and provide financial services for agriculture, farmers and rural economic development. In accordance with the provisions of national laws and financial policies, organize and standardize rural funds, support agricultural production and comprehensive rural development, support various forms of cooperative economy and family economy, and restrict and crack down. Ruralcommercialbank: Rural commercial banks are joint-stock local financial institutions composed of farmers, rural industrial and commercial households, corporate legal persons and other economic organizations. Jiang Liming, director of the supervision department of cooperative financial institutions of China Banking Regulatory Commission, said that no new rural cooperative banks will be established, and all rural cooperative banks will be transformed into rural commercial banks. Cancel the qualification shares in an all-round way and encourage qualified rural credit cooperatives to be restructured into rural commercial banks. On the premise of maintaining the overall stability of the legal person status of counties (cities), we will steadily promote the reform of provincial associations, and gradually build a new relationship between provincial associations and grass-roots legal entities with property rights as the link, equity as the link and supervision as the constraint, so as to truly form the same interests between provincial associations and grass-roots legal entities. At present, the proportion of qualified shares in China's rural credit cooperatives has dropped below 30%, and about 303 rural commercial banks and 2 10 rural cooperative banks have been established. The total assets of rural banks account for 465,438+0.4% of the rural cooperative financial institutions in China. The deposits handled by daily users in the bank are divided into time deposits and demand deposits. Handling time deposits can make users get higher interest income, but the flexibility is poor. Demand deposits can be withdrawn at any time after handling, earning less interest. However, time deposits can also be withdrawn in advance, but the interest will be calculated according to the current interest rate.

3. What is the loan interest of Hunan Yiyang Rural Credit Cooperative?

forehead

4. What is the deposit interest rate of Yancheng Rural Commercial Bank in 2022?

Yancheng Nongshang in 2022

1, current account 0.385%, lump-sum deposit for three months 1.700%, half a year 1.950%, 2.200% for one year, 2.750% for two years, 3.250% for three years and 3.500% for five years.

2. lump-sum deposit and withdrawal, lump-sum deposit and withdrawal, deposit with interest for one year 1.4805%, and 2.525% for five years.