The annual interest rate is 2.525%. The deposit interest rate of rural commercial banks is 0.385%, the interest rate of fixed deposits is 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, and deposits and withdrawals are made in installments. Rural commercial banks take efficiency, safety and liquidity as their operating principles, operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined.