According to the current market situation and interest rate level, 6 million three-year deposits can negotiate interest rates with banks and strive to reach 5% interest rate. According to the Measures for the Administration of Deposit Interest Rate issued by the People's Bank of China, commercial banks have certain autonomy in the deposit interest rate, and can adjust the interest rate according to market demand and competition. At the same time, according to the Measures for the Administration of Floating Upper Limit of Deposit Interest Rate of Commercial Banks issued by the China Banking Regulatory Commission, commercial banks can float interest rates according to factors such as the amount and duration of customers' deposits. Therefore, 6 million three-year deposits can negotiate interest rates with banks and get 5% interest rates.