Generally speaking, time deposit means that after money is deposited in the bank, it cannot be withdrawn for a certain period of time until it expires. The interest rate is higher than the interest rate calculated on demand deposits. But time deposits can also be withdrawn in advance, but the interest should be calculated at the current interest rate. Demand deposit means that money can be withdrawn at any time after being deposited in the bank, and the interest is lower than that of time deposit. \x0d\\x0d\ The deposit interest rate table is attached below for your reference! \x0d\ The current interest rate of bank deposits is as follows: \x0d\ annual interest rate (%) \x0d\ deposits of urban and rural residents and companies \x0d\ (1) demand deposits 0.36 \x0d\ (2) time deposits \x0d\( 1). Lump sum deposit and withdrawal \x0d\