As one of the five state-owned banks in essence, the interest rate of Postal Savings Bank is not outstanding. Unlike other banks, postal outlets love to sell insurance, and deposits will become insurance if they are not careful.

Domestic regular banks are guaranteed by deposit insurance system, so from the perspective of security, postal services and credit cooperatives are safe within the limit of 500 thousand yuan.

Let's take a look at the deposit rate of the Postal Savings Bank:

Even if local outlets have increased, they are extremely limited.

State-owned banks need at least 200,000 yuan for large deposit certificates. From official website Postal Savings Bank, we can see the interest rate of 20 17 large deposit certificate:

If it is 200,000 yuan, the two-year interest rate can reach 2.94%, but 6.5438+0.5 million yuan is obviously not enough, and the interest rate you can enjoy is only 2.5%.

Unlike state-owned banks, credit cooperatives have much weaker storage capacity, so they will give higher deposit interest rates. Large deposit certificates are often 654.38+10,000 yuan, and there is more room for interest rate increase.

654.38+0.5 million yuan was deposited in the credit union, and the highest interest rate for two years could reach 3.75%, which was significantly higher than that of the Postal Savings Bank.

Since there is no problem with the security of the principal, the focus is on the income. Obviously, credit cooperatives are a better choice. In addition to higher interest rates, many credit cooperatives will also give various gifts to save money, which is more affordable.

The three banks you mentioned, namely Postal Bank, Agricultural Bank and Rural Commercial Bank (credit cooperatives), mainly serve the development of agriculture, countryside and farmers and rural small and medium-sized enterprises. In terms of deposit security, there is no need to consider that all three banks are regular banks. It is ok to choose any bank deposit among the three banks. Which bank is good depends on which bank you value. The two-year deposit rates of credit cooperatives and postal savings banks are slightly higher; The business scope and services of Agricultural Bank and Postal Bank are better.

There is no doubt that the deposit interest rate of credit cooperatives is slightly higher than that of Postal Savings Bank and Agricultural Bank, mainly because only credit cooperatives are local private banks among the three banks, and you should know that the other two postal savings banks and Agricultural Bank are state-owned commercial banks.

Rural commercial banks (credit cooperatives) want to develop steadily and serve more farmers, rural areas and rural small and medium-sized enterprises, but their strength and background in absorbing natural deposits are not as good as those of the above two banks. In order to increase their natural deposits, rural commercial banks (credit cooperatives) can only choose to raise the deposit interest rate appropriately to attract more depositors to choose rural commercial banks (credit cooperatives) to deposit. Credit cooperatives raise the deposit interest rate, which not only increases natural deposits, but also has more funds to serve farmers, rural areas and small and medium-sized enterprises. Among the three banks, the one with high deposit interest rate belongs to the credit union, so it is more appropriate to choose the credit union when choosing the deposit interest rate (the deposit interest rates implemented by banks in different regions are slightly different, so the interest rate comparison will not be made here).

Among the three banks in terms of business scope and service scope and service comparison, the Postal Savings Bank has nearly 40,000+outlets nationwide, and the Agricultural Bank has 23,000+outlets. Credit cooperatives are inferior to local banks. Although there are thousands of rural commercial banks (credit cooperatives) in China, they are all independent provinces and regions and have nothing to do with each other. Among the three banks, the staff of ABC have sufficient professional knowledge and relatively good service attitude and environment; The poor service of the Postal Savings Bank is mainly due to the fact that the staff of postal savings bank outlets around the country are dispatched by post offices, and their professional knowledge and service attitude are slightly poor; Rural commercial banks (credit cooperatives) are purely private enterprises, and their employees are more or less connected, so their professional knowledge and service attitude are not as good as those of the above two banks. Therefore, in terms of business scope and services, Agricultural Bank is the first choice, followed by Postal Bank in credit cooperatives.

A safe choice means a safe choice of deposits. You can choose any of the three banks, because they are all regular banks approved by the central bank and legally operated, and all of them are guaranteed by depositors' deposits. The deposit insurance premium is paid by the bank, and the bank bears the premium. The principal and interest of the scope of protection is 500,000 yuan.

You chose a deposit of 6.5438+0.5 million, so the three banks can choose at will. If the principal and interest of your deposit exceeds 500,000, and you feel that the credit union is small in scale and poor in risk resistance, you can choose to diversify, and the deposit of the credit union should not exceed 500,000.

Summarize the most common banks of the three banks in rural areas or towns, and choose which bank to deposit depends on how you choose. It is more appropriate to choose credit cooperatives only from the deposit interest rate, and the deposit interest rates of the three banks are definitely high. If you often go out or handle other business, it is recommended to choose the Postal Savings Bank. Although the deposit interest rate is not as good as that of credit cooperatives, it is not much lower. Generally between 0. 1-0.3. What is certain is that the Postal Savings Bank has the largest number of outlets in China, and it can be seen in almost all cities and rural areas. If the Agricultural Bank chooses among the three banks, it does not have much advantage. I suggest you choose a credit union or a postal bank to deposit. If the interest rates of credit cooperatives and postal savings are the same, I suggest you choose postal banks. It must be that there are many outlets in state-owned banks, and it is easier to handle various businesses in the later period.

Can a strong dragon crush a local snake? We can make a comparison. Many times their interest rates are the same.

In fact, under the same interest rate, we need to consider security, flexibility and convenience when choosing a bank.

0 1 security Up to now, there are more than 30,000 banking financial institutions in China, and the number of failures is 2, which means that the probability of bank failures is less than one in ten thousand.

Credit cooperatives and postal savings banks are formal institutions under the supervision of the central bank and the China Banking Regulatory Commission, and they will be forced to purchase deposit insurance. The deposit insurance regulations guarantee a deposit of 500,000 yuan.

Now the deposit amount is 6.5438+0.5 million, so there is no need to worry about security. Even if the probability is less than one in ten thousand, the deposit insurance regulations can guarantee your safety of 50 thousand yuan.

Elasticity is a three-year time deposit, so there is really no room for comparison, and the elasticity is very poor.

However, now the bank has a new plan, which can partially deposit in advance, and the money raised will bear interest according to the demand deposit, and the rest will bear interest according to the time deposit.

This plan is flexible. When making a choice, you can ask whether you can withdraw some money in advance. After all, three years is not short. If money is suddenly needed in the middle, it is not worth losing an interest.

Convenience is to see which bank is more convenient for you.

If you live in one place for a long time, choose the one near you directly; And if this is not the case, and you are away on business or something, then I suggest you deposit it directly in the postal savings office.

Because most credit cooperatives are in the local area, going abroad is another credit cooperative; But the Postal Savings Bank is different. Now, as the fifth largest bank in China, there are really many outlets, and even if you are on a business trip, you can see the outlets of the Postal Savings Bank everywhere.

To sum up: in fact, you still need to choose according to your personal situation. In addition to the above three points, one more thing is that we often go to the bank to deposit money, and the bank will send some gifts when doing activities. Comparing the value of gifts can also be used as one of the selection criteria. Although the Postal Savings Bank and the Rural Credit Cooperatives are both banking financial institutions, and both provide savings deposit services, there are still some differences in details between them. It is better to say which one saves money! Nothing more than three points: safety, profitability and liquidity. Generally speaking, rural credit cooperatives are better. Why?

Security Although the Postal Savings Bank ranks the sixth largest bank in China, and the rural credit cooperatives are often only small banks at the county level, the two cannot be compared in terms of scale and comprehensive strength, but your capital is only 6.5438+0.5 million yuan, which is the same for the two banks.

In 20 15, the State Council officially promulgated the deposit insurance regulations, which stipulated that banks should pay premiums to deposit insurance fund management institutions to form deposit insurance funds, and deposit insurance fund management institutions should pay insured deposits to depositors in accordance with the regulations, with a maximum repayment limit of 500,000 yuan. This Law is applicable to deposit-taking banking financial institutions such as commercial banks, rural cooperative banks and rural credit cooperatives established in China.

In other words, within 500,000 yuan, even if the rural credit cooperative goes bankrupt, you can still get 500,000 yuan in compensation. In fact, after the implementation of the deposit insurance regulations, as long as the deposit in China is less than 500 thousand yuan, no matter which bank it is deposited in, the security is the same.

The guiding interest rate of the head office of the for-profit Postal Savings Bank in official website does not exceed 30%, and the branches will rise slightly according to the actual situation in various places, but the floating rate will generally not exceed 40%. Even for the large deposit certificates of the Postal Savings Bank, the maximum interest rate for three years is 4. 125% (the benchmark rises by 50%), which is the limit of the Postal Savings Bank. On the one hand, it is the strength of its big banks, on the other hand, it is restricted by the industry interest rate self-discipline association.

Rural credit cooperatives are basically county-level, independent, with high authority, without the restrictions of interest rate self-regulatory associations. In order to compete with big banks, interest rates are often high. Taking Fujian Rural Credit Cooperatives as an example, the one-year interest rate is as high as 3.3%, which is1%higher than the 2. 1.2 percentage points from the 50,000 yuan of the Postal Savings Bank. 1.5 million yuan a year, the income difference can reach 1.800 yuan, so from the income theory alone, there is no doubt that the credit union won the Postal Savings Bank.

For the Postal Savings Bank, the working capital of 6.5438+0.5 million yuan has not reached the starting point of its large deposit certificate, and it has neither the function of relying on the file to pay interest nor the function of paying interest on a monthly basis; In local small and medium-sized banks (city commercial banks, rural commercial banks, rural credit cooperatives), many banks have the function of paying interest on a regular basis, and even pay interest on a monthly basis. Therefore, in terms of liquidity alone, rural credit cooperatives are undoubtedly better.

To sum up, under the premise of consistent security, rural credit cooperatives are higher than postal savings banks in terms of profitability and liquidity. Obviously, it is better to choose rural credit cooperatives, especially at the township level. Rural credit cooperatives have far more outlets than postal savings banks. Compared with the convenience of handling, it is also superior.

150,000 yuan for two years to personally recommend credit cooperatives! In the case of fixed deposit period, security, income and service become the factors of competition among the three banks. Financial management emphasizes safety first, and state-owned banks are superior to local banks in this respect, that is, Agricultural Bank of China and Postal Savings Bank have certain advantages; In terms of income, rural credit cooperatives are significantly higher than agricultural bank of China and postal savings bank; There is little difference between the three services.

Security: ABC is the most stable.

The strength of state-owned assets is strong, and state-owned banks will not change much in the course of operation. Unless the country has a policy reorganization, merger or division, it will be unshakable security. At present, Agricultural Bank ranks third among domestic banks with assets of 19.6 trillion, Postal Savings Bank ranks sixth with assets of 8.3 trillion, and Chongqing Rural Commercial Bank, the highest rural credit cooperative, ranks 2 1 with assets of only 80,365.438 billion, which is the gap between local banks and state-owned banks.

Profitability: rural credit cooperatives are the highest.

The interest rates of the three banks are different in every place, and individuals can only compare them according to the listed interest rates of the three local bank outlets: the fixed two-year interest rate is 3. 15% for rural credit cooperatives, 2.25% for agricultural banks and 2.25% for postal savings banks; Among the certificates of deposit products, the interest rate of ABC's 500,000 yuan subscription is 3. 108%, and the postal savings office has no two-year certificates of deposit, only one-year and three-year ones.

Service: The three companies have their own characteristics.

The service contains a lot of content. If we want to talk about the type of business, Agricultural Bank of China, as an old state-owned bank, must have a relatively complete business, and it also has a special new product research and development department to innovate products from time to time to attract customer experience; The service quality and attitude of credit cooperatives are the best among the three banks. Its variety is relatively simple, that is, deposit and withdrawal are the main products, and wealth management products have only been newly developed in recent years, so we can only win the favor of customers with services.

If we simply look at ordinary deposits, the rural credit cooperatives are the best, with 6,543.8+0.5 million yuan within the scope of the deposit insurance regulations, so whether it is a state-owned bank or a local bank, it is good to deposit it. Postal savings are relatively moderate, and they are not comparable to Agricultural Bank of China and credit cooperatives in terms of interest rates and services. However, every bank always has its own loyal customers, and it is impossible to kill a bank with a single blow.

Obviously, according to the latest bank deposit interest rate, the two-year interest rate of ordinary time deposit of China Postal Savings Bank is 2.35%, and that of rural credit cooperatives (most of which are upgraded to rural commercial banks) is basically around 2.85%.

Then, if you deposit 6.5438+0.5 million yuan in the bank for two years, it is definitely more cost-effective to choose a rural credit cooperative. There is a simple reason. The deposit rate is a little higher than that of the Postal Savings Bank. Generally, the interest in rural credit cooperatives for two years is about 8,550 yuan, which is more than that in Postal Savings Bank 1500 yuan.

If you go to the bank to deposit money now, you should be able to float more on the benchmark interest rate according to the capital of 6.5438+0.5 million yuan. After all, for small and medium-sized banks like rural credit cooperatives, the pressure of saving money is still quite great.

Anyway, if you are determined to make a choice only in these two banks, I suggest you consider the local rural credit cooperatives. However, if other banks can be considered, private banks are also very good, and the deposit interest rate is much higher than that of the Postal Savings Bank. You just need to download an APP through the Internet channel.

1.5 million deposit, which bank is suitable for deposit? I think it should be based on two considerations.

The first is security. 10.5 million yuan deposit does not exceed the limit of 500 thousand yuan in the bank deposit insurance system, so no matter which bank you deposit, it is safe, so don't worry about the problem that the bank will not pay.

The second point is profitability. After the marketization of interest rates, banks can raise interest rates independently on the basis of the benchmark interest rate, which is equivalent to the marketization of deposits, and banks are also trying their best to pull deposits. Otherwise, how can there be a saying that a person works in a bank and the whole family pulls deposits? However, the national big banks themselves have great advantages, and the interest rate advantage will not be too high. On the contrary, many local banks or city commercial banks have to raise interest rates to attract deposits in order to gain a firm foothold in the market. So I think local banks will have an advantage.

To sum up, on the basis of ensuring safety, the higher the deposit interest rate, the better. Specifically, look at the policies of local banks.

I think there can be credit cooperatives (rural commercial banks), and the interest rate of credit cooperatives is generally higher than other banks. Of course, this is also an experience. Let's talk about my opinion. If you have different opinions, welcome to exchange and discuss!

Simply saying which is better, there is no standard, only depends on who gives the actual deposit interest rate, and it must be the high interest rate. Rural credit cooperatives have a special system and are greatly influenced by local policies, but the interest rate is indeed higher than other banks. Rural credit cooperatives have no financial management, and only by raising the deposit interest rate can they really retain customers. Rural credit cooperatives are mainly located in counties and towns, mainly serving urban and rural residents. However, many urban and rural residents have a low level of education, do not know much about financial products and do not trust them. Most of them choose certificates of deposit, which also causes the profitability of most county rural credit cooperatives to be higher than that of state-owned banks and joint-stock banks.

The postal bank used to be called the post office, but it was later changed to a postal company. Later, after reform and separation, postal companies and postal savings banks were established. However, the Postal Savings Bank asked the postal company to represent some postal outlets, which led us to do business at the postal company's outlets, not the Postal Savings Bank's outlets. Of course, there is no essential difference between the two, except that the outlets of postal agents can't handle corporate business, but can only handle basic business such as exchange and wealth management. The biggest difference is that the staff is the establishment of the postal company, not the employees of the Postal Savings Bank. For ordinary depositors, the security is the same.

However, one of the drawbacks of the Postal Savings Bank is that the insurance agency business is too fierce, so if you go to the Postal Savings Bank to do business, you must be vigilant. Don't just listen to the bluff of the staff and mislead us to buy insurance products. Savings certificates of deposit and insurance policies have completely different meanings, one is deposit and the other is insurance. If you just pursue high returns and choose insurance products, it is too late to regret it. I must remind you here.

Having said that, the most important thing is deposit. Only by comparing the deposit interest rate can we make the most correct choice. The security of the Postal Savings Bank and the credit cooperatives is the same, so you can rest assured!

It is better to deposit in the rural credit cooperatives for two years150 thousand. Many people may think it would be better to deposit with the Postal Savings Bank, which is one of the large state-owned banks after all. But why is it better to deposit in rural credit cooperatives?

First, the annualized interest rate of rural credit cooperatives is often higher than that of the Postal Savings Bank! Since it is a time deposit, why not deposit it in a more advanced rural credit cooperative? From the personal experience of going to the bank, the annualized interest rate of rural credit cooperatives is often higher than other banks, and even the annualized interest rate can be higher than 0.5% in the same period. Then the two-year time deposit in the Postal Savings Bank is also two years, and the deposit in the rural credit cooperatives is also two years. Of course, we should choose rural credit cooperatives with higher interest rates.

Second, in terms of risk, the risk of Postal Savings Bank is lower than that of rural credit cooperatives? In fact, the risks of the two banks are the same, neither more nor less. The risks of banks belong to the same level, but there are subtle differences. Rural credit cooperatives can get compensation within 500 thousand even if they go bankrupt, and so can the Postal Savings Bank. Therefore, since the risk coefficient is the same, rural credit cooperatives will be chosen.

Third, there are other ways to manage money. Two-year time deposit is not cost-effective in my personal opinion. Why? The annualized interest rate given by most banks is around 3%, and some may reach 3.2%. But is this a good deal? Not cost-effective, the income and flexibility are not as good as those of bank wealth management and money funds with medium and low risks.

Therefore, if you choose between the Postal Savings Bank and the credit union, you can choose the credit union, because the interest of the credit union will be higher and the risks of the two banks will be similar. However, in order to pursue income, you can choose low-risk financial management or money fund, which has high flexibility, high interest and high security.

Hello, futures Chu Xiao, as a so-called old man who has been engaged in the financial industry for more than ten years and is a national financial planner, has many years of financial management and investment experience. Let me briefly answer your question.

First of all, let's understand the concept of deposit.

Time deposit is also called "time deposit certificate". A deposit in which the bank and the depositor agree on the term and interest rate in advance at the time of deposit and withdraw the principal and interest after maturity. If depositors need funds before maturity, some certificates of deposit can be sold in the market; Some certificates of deposit cannot be transferred. If depositors choose to withdraw funds from the bank before maturity, they need to pay a certain fee to the bank.

Secondly, understand the security of bank deposits.

In order to establish and standardize the deposit insurance system, protect the legitimate rights and interests of depositors in accordance with the law, timely prevent and resolve financial risks, and maintain financial stability, the Deposit Insurance Regulations are formulated. People's Republic of China (PRC) and the State Council promulgated it on February 20th, 2065438, and it took effect on May 20th, 2065438.

The deposit insurance system is an important measure to protect depositors' interests under the condition of market economy and an important part of the financial safety net. "Deposit insurance is subject to a limit payment, and the maximum payment limit is RMB500,000."

Third, back to the topic "150,000 yuan for two years, which is better, the Postal Savings Bank or the Agricultural Bank of China Credit Cooperative?"

As we know, the Postal Savings Bank has been renamed as China Postal Savings Bank. Postal Savings Bank, as its name implies, is also a bank and the fifth largest bank in China. Postal savings is also an important part of China's banking system, which ranks with workers, peasants and China Construction, and has set up branches in all 3 1 provinces in China.

If you deposit 6.5438+0.5 million yuan in the bank with a term of 2 years, it is definitely more cost-effective to choose a rural credit cooperative. There is a simple reason. The deposit rate is a little higher than that of the Postal Savings Bank. Generally, the interest in rural credit cooperatives for two years is about 8,550 yuan, which is more than that in Postal Savings Bank 1500 yuan. If you go to the bank to deposit money now, you should be able to float more on the benchmark interest rate according to the capital of 6.5438+0.5 million yuan. After all, for small and medium-sized banks like rural credit cooperatives, the pressure of saving money is still quite great.