The stability of funds is different, and the deposit thresholds are different. The difference between China Merchants Bank fixed deposits and time deposits:

1. Fund stability is different. China Merchants Bank fixed deposits have poor fund stability and sometimes have no interest, while fixed time funds are stable and include principal and interest.

2. The deposit thresholds are different. China Merchants Bank has a deposit threshold for fixed deposits, which is usually 50,000 yuan. There is no deposit threshold for fixed deposits.