Jiangxi Rural Credit Cooperatives is a financial institution in Jiangxi Province, and it is the main financial force in Jiangxi to contact farmers and serve rural communities.
Business:
I. Personal deposit business
1. Current savings:
No specified deposit period, deposit and withdrawal at any time, starting from 1 yuan, suitable for personal life and temporarily unused deposits. At least 1 yuan is reserved for the withdrawal account balance.
2. Lump-sum time deposit:
Agreed deposit period, lump-sum deposit and withdrawal, and withdrawal of principal and interest at maturity; It is divided into six categories: three months, six months, one year, two years, three years and five years. 50 yuan began to exist; Suitable for storing long-term idle funds, large living savings and personal accumulated funds.
3. Lump-sum time deposit:
Monthly fixed deposit, accumulated into a whole, and the principal and interest are withdrawn at maturity; It is divided into three types: one year, three years and five years; 5 yuan began to exist; The deposit amount is determined by the depositor and is deposited once a month. If there is any omission, it will be filled in next month. If there is no supplement, it will be recovered at maturity.
Interest is calculated according to the actual deposit amount and the actual deposit period.
4. Deposits of principal and interest:
Agreed deposit period, one-time deposit of principal, monthly interest withdrawal, and payment of principal at maturity; It is divided into three types: one year, three years and five years: the initial deposit amount is 5000 yuan; You can withdraw it all in advance, but you can't withdraw it partially.
5, education savings:
It is a special time savings deposit, which is suitable for students in the fourth grade of primary school (including the fourth grade) to open an account; Preferential interest rates shall be implemented, and interest income tax on savings deposits shall be exempted; Educational savings depositors apply for student loans, and financial institutions give priority to solving them; Monthly time deposit once a month. If there is any omission in the middle, make it up next month. If it is not made up, it will be regarded as a breach of contract, and the part deposited after the breach of contract will be paid at current interest. Divided into one year, three years and six years; The minimum deposit amount is 50 yuan, and the maximum principal amount is 20,000 yuan.
6. Notice deposit:
When saving money, there is no agreed deposit period, and withdrawal needs to be notified in advance, and the withdrawal date and amount can be agreed; The minimum deposit amount is 50,000 yuan; The minimum withdrawal amount is 50,000 yuan; No matter how long the actual deposit period is, it can be divided into one-day notice deposit and seven-day notice deposit according to the length of advance notice of depositors. One-day notice deposit must be notified one day in advance to withdraw deposit, and seven-day notice deposit must be notified seven days in advance to withdraw deposit. Deposits withdrawn on the date and amount agreed in the notice shall bear interest according to the corresponding interest rate, withdrawal amount and actual deposit period announced on the date of withdrawal.