Is the deposit interest rate of the Postal Savings Bank high?
Generally speaking, the deposit interest rate of Postal Savings Bank is still relatively high, comparable to that of the four major state-owned banks, but compared with small banks, such as Changsha Bank, the current deposit interest rate is still low.
The following is the latest deposit interest rate of Postal Savings Bank in September 2023 for reference only (official website interest rate inquiry link /common/bjfw/rmbllcx/):
1, demand deposit
The deposit interest rate is 0.20%.
2. Time deposit
(1) lump-sum deposit and withdrawal
The interest rates for three months, six months, one year, two years, three years and five years are 1.85%, 1.25%, 2.20% and 2.25% respectively.
(2) lump-sum deposit and withdrawal, lump-sum deposit and withdrawal, and deposit and interest withdrawal.
The one-year deposit rate is 1.25%, the three-year deposit rate is 1.46%, and the five-year deposit rate is 1.46%.
(3) Life defecation.
Enjoy a one-time discount of 60% interest rate of the same grade within one year.
How much is the postal savings bank's three-year fixed interest rate 1.5 million?
Bank deposit interest = deposit principal * deposit interest rate * deposit term.
1, lump-sum deposit and withdrawal
Assume that the deposit interest rate of the Postal Savings Bank is 2.20%, the deposit principal is150,000 yuan, and the deposit term is 3 years. Then the interest that users can get after expiration is: 150000*2.20%*3=3300 yuan.
2. lump-sum deposit and withdrawal, deposit and interest.
Assume that the deposit interest rate of the Postal Savings Bank is 1.46%, the deposit principal is 150000 yuan, and the deposit period is 3 years. Then the interest that users can get after expiration is:150000 *1.46% * 3 = 2190 yuan.
3. Life and work.
Assume that the fixed deposit interest rate of the Postal Savings Bank is calculated at a discount of 60% according to the fixed deposit and withdrawal interest rate of the same grade within one year, and the deposit principal is 150000 yuan, with a deposit period of 3 years. Then the interest that users can get after the expiration is:150000 * 2.20% * 3 * 0.6 =1980 yuan.