1 min. Rural credit cooperatives/kloc-fixed deposit of 0/year or more, minimum amount 1 10,000 yuan. Every 1 integral can be used to offset 1 yuan. Every 1 0,000 yuan can accumulate 1 minute, and 20,000 yuan can accumulate 2 points, and so on, without capping. Rural credit cooperatives refer to rural cooperative financial institutions established with the approval of the People's Bank of China, which are composed of members' shares, implement democratic management and mainly provide financial services for members. Rural credit cooperatives are independent enterprise legal persons, which are responsible for the debts of rural credit cooperatives with all their assets and enjoy civil rights according to law.