RMB 6,543,800+has not reached the threshold, so you can only enjoy the interest on ordinary time deposits. 654.38+ 10,000 yuan can generally rise by 30%-50% on the basis of the benchmark interest rate, and some rural credit cooperatives may rise even more.
Large deposit is a business that foreign banks started very early, usually to attract huge deposits. Large deposits generally refer to more than 50,000. There is a large certificate of deposit mark when opening a certificate of deposit. You need to make an appointment one day in advance to withdraw money
Large deposits are in the form of certificates of deposit, and the interest rate is directly negotiated by depositors and banks. The deposit is fixed and there is no compound interest. Generally, it is not allowed to withdraw money in advance before the order expires. Unless otherwise agreed, interest will still be paid at the original agreed interest rate in case of interest rate adjustment. The certificate of deposit is registered, can report the loss, and the denomination is not fixed (this form is similar to the agreement deposit).
The People's Bank of China promulgated new measures for the management of notice deposits. "Notice deposit" is defined as: the depositor does not agree on the deposit period when depositing. Deposits that can only be withdrawn after notifying financial institutions in advance and agreeing on the date and amount of withdrawal.
There are two kinds of deposits: "one-day notice deposit" and "seven-day notice deposit", and the deposit type is freely chosen by the depositor when depositing. Financial institutions shall bear interest according to the corresponding interest rate level announced on the withdrawal date and the actual deposit period, and the interest shall be settled with the principal. However, for those who have gone through the notice procedures but do not withdraw or cancel the notice within the notice period, it is stipulated that there will be no interest during the notice period, that is, the interest-free days of "seven-day notice deposit" are seven days, and the interest-free days of "one-day notice deposit" are 1 day.
Minimum initial deposit and minimum withdrawal amount of "notice deposit": 50,000 yuan for an individual. Depositors need to deposit the principal in one lump sum, and can withdraw it in one lump sum or by installments, and take registered deposit. "Notice deposit" is a new type of deposit that has only been introduced in recent years. People are not familiar with it. In the past, provinces (cities) formulated their own notice deposit methods, which had many disadvantages. Now the unified national deposit method makes it more standardized.
This kind of deposit has the nature of "fixed deposit and two conveniences", but the interest rate is higher than that of "fixed deposit and two conveniences", and it has the advantage of partial withdrawal, which is more suitable for storing large amounts of funds with uncertain deposit period within 1 year.
Certificate of deposit is a high threshold time deposit. The minimum purchase threshold of time deposit certificate is fixed, and the minimum deposit amount is 200,000 yuan. Most people can't afford it. Although large deposit is also a time deposit with high threshold, each bank has different regulations on "large deposit", which can be 1 1,000 yuan, 50,000 yuan, 1 1,000 yuan, etc.