The most well-known domestic banks are nothing more than six state-owned banks, including Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Bank of China, Bank of Communications and Postal Savings Bank of China. Among these banks, Agricultural Bank of China is undoubtedly It is very dazzling. Although the scale of assets is not as large as that of ICBC, it should not be underestimated. The predecessor of the Agricultural Bank can be traced back to the Agricultural Cooperative Bank in 1951. It was the first professional bank after the founding of the People's Republic of China and the first state-owned commercial bank after the founding of the People's Republic of China. The Agricultural Bank of China has a large number of outlets. According to relevant information, the number has reached about 23,000, covering a wide range, which is staggering.
It may also be because it is an established bank, coupled with its wide coverage, the Agricultural Bank has always been favored by the common people, but in the editor's opinion, it may be that the advantages of interest rates have also made the Agricultural Bank a lot of depositors. In the eyes of depositors, money is stored in the bank first for security, and second for interest. If you can get high interest, it is naturally more popular. What about the interest rate level of the Agricultural Bank of China? Some people say that the interest rate of Agricultural Bank is higher than other state-owned banks, is that true? Let's take a look at the following.
2015 is a special year, at least for the banking industry, because the central bank liberalized interest rate control on domestic commercial banks in 2015, that is, began to implement interest rate liberalization, which also led to today's "a hundred flowers blooming" , but this is a good thing for depositors. There is competition between banks, and depositors can benefit from it. Taking state-owned banks as an example, their interest rate levels are basically not too different, and some banks may be slightly higher. For example, friends may have more intuitive senses.Taking the deposit of 200,000 as an example, how much interest can be achieved per year in the Industrial and Commercial Bank of China and the Agricultural Bank of China? Let's calculate together.
Demand savings
Demand savings is a product that can be withdrawn and deposited at will. As the saying goes, "success and failure will fail". The advantage of current savings is high liquidity, but it is precisely because of the high liquidity of funds that its interest rate is relatively low , whether it is ICBC or Agricultural Bank, the interest rate of current savings is about 0.35%, saving 200,000, the annual interest is only 700 yuan, so I also warn you here, small money survival period savings is okay, big money survival period Savings are a real waste, remember.
Term deposit
Among the many products of the bank, the depositors who choose to deposit the term deposit are the most, which is related to the low deposit threshold. Generally speaking, it only needs 50 yuan, and the interest rate level is not too low, so the deep deposit Liked by depositors. According to the information obtained by the editor, among the fixed deposits of ICBC, the one-year fixed deposit interest rate is 2%, and the annual interest rate for depositing 200,000 yuan is 4,000 yuan; the two-year interest rate is 2.6%, and the average annual interest rate for depositing 200,000 yuan is 2.6%. The three-year interest rate is 3.25%, and the average annual interest of depositing 200,000 is 6,500 yuan. What about the Agricultural Bank?
To be honest, the interest rate level of Agricultural Bank is really higher than that of Industrial and Commercial Bank of China. The one-year fixed deposit interest rate is almost the same, about 1.95%, and the one-year interest rate for depositing 200,000 yuan is 3,900 yuan; the two-year fixed deposit interest rate is 2.73%. , the average annual interest for depositing 200,000 yuan is 5,460 yuan; the three-year fixed deposit interest rate reaches a maximum of 3.58%, and the average annual interest for depositing 200,000 yuan is 7,160 yuan.
Large-denomination certificates of deposit
As we all know, in the same bank, the interest rate of large-denomination certificates of deposit will always be higher than time deposits under the same term, but the threshold for large-denomination certificates of deposit needs to reach 200,000, which makes many depositors have to The next best thing is to choose fixed deposits. I also want to tell you here that when your deposits exceed 200,000, don’t make time deposits foolishly. Large-value certificates of deposit are the best choice.
In the Industrial and Commercial Bank of China, the interest rate of large-denomination certificates of deposit is higher than that of time deposits. The one-year interest rate is 2.1%, the two-year interest rate is 2.7%, and the three-year interest rate is 3.35%. The average interest you can get is 4,200 yuan, 5,400 yuan, and 6,700 yuan, which is a little higher than the fixed deposit, but as the saying goes, "the legs of mosquitoes are also meat."
According to the information I have learned, the interest rate of Agricultural Bank's large-denomination certificates of deposit is higher than that of ICBC. The one-year interest rate is 2.25%, and the one-year interest rate for depositing 200,000 is 4,500 yuan; the two-year interest rate is 3.15 %, the average annual interest is 6,300 yuan; the interest rate of the three-year large-denomination certificate of deposit has reached 3.9875%, and the minimum deposit threshold is still 200,000. If you save 200,000, the average annual interest is 7,975 yuan.
From the above three products, we can find that the interest rate of the Agricultural Bank of China will be higher than that of the Industrial and Commercial Bank of China on the whole, but it is not outrageous. The interest rate of the Agricultural Bank I have encountered is not at this level. In fact, this is normal. The interest rate implemented by the Agricultural Bank in different cities has a certain deviation. Therefore, if you want high interest, choosing a bank is as important as choosing a product. The same is 20 Ten thousand, some people may only have 700 yuan a year in interest, but some people can reach 7,975 yuan a year in interest, a difference of more than ten times.
Summary
After June 2021, the domestic interest rate level has dropped by a "grade" again. There are still some market interest rates above 4%, but relatively few, and the annual interest rate can reach 4.5% or more. It is very rare, so in the editor’s opinion, the interest rate of the Agricultural Bank of China can reach 3.9875%, which is very “conscience”, and save it and cherish it. Maybe the interest rate will drop in the future, what do you think?
