html, November 3 (Reporter Zhong Ronghua of Straits News Agency) After the top floating deposit interest rates of some joint-stock banks, large state-owned banks have also begun to follow up! Such rumors have appeared in the market in the past two days. Yesterday, a reporter from the Guide found that although the listing interest rates on the official websites of the five major banks have not changed, some major banks' outlets in Xiamen have quietly "raised interest rates" - once the fixed deposit interest rate reaches the peak, it will raise it to 1.2 times the central bank's benchmark interest rate.
major banks have different paces of "rate hikes"
Yesterday, a reporter from the Guide queried the official websites of five major banks including Industrial and Agricultural Bank, Agricultural Bank of China, China Construction Bank, and Communications Bank of China found that the deposit listing interest rates of these large state-owned banks remained at the level on November 22. Among them, the current deposit interest rate is 0.35%, which is equivalent to the benchmark interest rate; the three-month and half-year fixed deposit interest rates are 2.6% and 2.8%, which is about 1.1 times the benchmark interest rate; the one-year fixed deposit interest rate is 3%, which is 1.09 times the benchmark interest rate; the two-year fixed deposit interest rate is 3.5%, which is about 1.04 times the benchmark interest rate; the three-year fixed deposit interest rate is 4%, which is equal to the benchmark interest rate.
However, in some major banks in Xiamen, the answers to deposit interest rates are varied. "The fixed deposits for less than 5 years are not limited to the amount, and the customer can increase by 20% after applying." A branch account manager at a branch of the Agricultural Bank of Xiamen revealed that they have received oral notices to fully increase the fixed deposit interest rate. The fixed deposit interest rates for one year, two years and three years are 3.3%, 4.02%, and 4.8%, respectively.
Xiamen Bank of Communications has also stated that as long as customers apply, they can basically enjoy the top-floating fixed deposit interest rate. "It has not changed yet, but the head office may issue a notice in a few days to raise the fixed deposit interest rate." A staff member of a branch at a Xiamen Construction Bank said that if citizens want to deposit, they might as well wait for a few more days.
and other joint-stock banks are also changing
html After the central bank adjusted its interest rates on November 22, Ping An Bank, Xiamen Rural Commercial Bank and Xiamen Bank immediately announced the latest deposit interest rates, with all deposit interest rates at all levels rising by 20%. Although other joint-stock banks have also made adjustments, they have not fully increased.However, the situation changed a few days later. After the interest rate adjustment on November 22, Industrial Bank raised interest rates again on November 27, but it has not yet reached the highest increase of 20%.
Yesterday, a reporter from the Guide News learned from a branch of Xiamen Industrial Bank that they raised the deposit interest rate again that day. This time, the three-month, half-year and one-year fixed deposit tops were raised, with annualized interest rates of 2.82%, 3.06%, and 3.3%, respectively, while the two-year, three-year and five-year periods remained at 3.5%, 4%, and 4.25%, and there was no maximum "rate hike".
In addition, people from Xiamen Everbright Bank outlets also said that they have also raised deposit interest rates twice recently, with a maximum increase of 20% for fixed deposit rates from three months to one year, and the benchmark interest rates for two-year and three-year periods are implemented.
