Personal advice:
Ben Fu Cun term series products are a kind of time deposits with the highest interest rate except personal large deposit certificates in Minfeng Rural Commercial Bank. If you want to deposit money, you can also choose to go to the local rural commercial bank outlets for consultation. As far as the deposit interest rate is concerned, the deposit interest rate for three months is 1.57%, for six months it is 1.859%, for one year it is 2. 145%, for two years it is 3.003%, and for three years it can be seen that the interest rate is still very high and regular.
Extended data:
Term of deposit:
1. Deposits in banks, with maturities ranging from 3 months to 5 years, or more than 65,438+00 years. Generally speaking, the longer the deposit term, the higher the interest rate. Traditional time deposits include not only certificates of deposit, but also passbooks, also called passbook time deposits. However, 90 days is the basic interest-bearing days, and no interest will be calculated after 90 days. Compared with demand deposits, time deposits are more stable and have lower operating costs, and the deposit reserve ratio held by commercial banks is correspondingly lower. Therefore, the capital utilization rate of time deposits is often higher than that of demand deposits.
2. For the unexpired fixed-term savings deposits, the depositor may make partial early withdrawal according to the needs, and the verification procedures remain unchanged. The interest rate of early withdrawal shall be settled according to the interest rate of current savings deposits listed on the withdrawal date, and the retained part shall be settled at the time of withdrawal according to the original deposit date and the original interest rate. A lump-sum time deposit can only be partially withdrawn once in advance for each certificate of deposit. If it has been partially withdrawn in advance, the savings institution shall indicate the words "partially withdrawn in advance" on the withdrawn deposit slip and the newly opened deposit slip.