Minsheng Bank’s deposit interest rates in 2023 are as you wish. The following are the details: Demand deposits: maintain a low interest rate of 0.3%. Lump-sum deposits and withdrawals: The deposit terms are different and the interest rates are different. It was 1.40% in three months, rose to 1.65% in half a year, and 1.95% in one year. Continuing to increase, the two- and three-year interest rates are 2.45% and 1.65% respectively, while the five-year deposit rate is fixed at 3.00%. The one-year interest rate for this kind of deposit is 1.40%, and the three-year and five-year interest rates are both 1.65%. Fixed-term and fixed-living benefits: Enjoy the interest rate of regular deposits and withdrawals within one year, but with a 40% discount, giving both flexibility and income. Agreement deposit: Provides a relatively stable interest rate of 1.00%. Notice deposit: The interest rate is 0.55% for one day and increases to 1.10% for seven days.

At the same time, in terms of loans, the benchmark interest rate for loans within one year is 4.35%, the interest rate for one to five years is 4.75%, and the interest rate for more than five years is 4.90%. The interest rate for personal housing provident fund loans for less than five years is 2.75%, and the interest rate for more than five years is 3.25%. These rates offer different options so customers can make the right decision based on their individual needs.