1, lump-sum deposit and withdrawal: the annual interest rate is 2.75% for five years. Its interest = 500,000 * 2.75% * 5 = 68,750 yuan.

2. installment, installment and fixed withdrawal: the five-year annual interest rate is 1.55%. Its interest =50000* 1.55%*5=38750 yuan.

Deposit different interest rates in each bank:

1, 500,000, and the interest deposited in China bank for five years is 1 18750 yuan.

The five-year fixed interest rate of China Bank is 4.75%.

Interest = principal * interest rate * term = 500,000 *4.75%*5= 1 18750.

2. Deposit in the Postal Savings Bank for five years, with an annual interest rate of 3.7%, and the five-year interest of 500,000 yuan is 500,000 * 3.7% (annual interest rate) * 5 = 92,500 yuan.

300,000 yuan was deposited in China Agricultural Bank.

(1) The interest rate for lump-sum deposit and lump-sum withdrawal for five years is 2.75%, so the interest for five years is 68,750 yuan.

(2) The five-year interest rate for lump-sum deposit and lump-sum withdrawal is 1.55%, so the five-year interest rate is 38,750 yuan.

Deposit refers to the depositor's temporary transfer or deposit of funds or currency in banks or other financial institutions, or the temporary transfer of the right to use funds or currency to banks or other financial institutions. It is the most basic and important financial behavior or activity and the most important source of credit funds for banks.

The deposit methods are:

First, the trapezoidal deposit method not only takes care of the liquidity of depositors, but also allows depositors to enjoy the benefits of long-term deposit interest. Mainly depositors divide the money into three parts. Save for one year, two years and three years respectively, so that depositors will have deposits due every year. If the depositor deposits for one year and then for two years, and so on.

Second, the certificate of deposit, if you have more money in hand (generally more than 200,000-300,000), you can deposit the certificate of deposit. In fact, the interest rate of three-year certificates of deposit is much higher than that of three-year time deposits. Of course, if you have a large deposit certificate and need money urgently, you can mortgage the large deposit certificate to the bank and apply for a loan from the bank, so that you can borrow money from the bank without withdrawing the principal in advance. However, after all, you have to pay interest when you borrow from a bank, so you must be cautious when you borrow from a bank with a large deposit as collateral.

Third, the monthly interest payment, after the cancellation of the business of relying on interest, but now the "monthly interest payment" deposit method has not stopped. Usually, "paying interest on a monthly basis" means that depositors deposit all their money in the bank, usually for three years, and the bank will give you a sum of money every month, which is a bit like issuing a pension, and depositors get stable interest income. But the monthly interest rate is definitely lower than the one-time repayment of principal and interest. And pay interest every month. If the depositor wants to withdraw the principal in advance, the interest paid by the bank every month before will be deducted from the principal, and the depositor's income will be counted as current demand.

Fourth, structured deposits, although not completely stopped now, are being reduced by many banks. The so-called structured deposit means that the bank takes out part of the depositors' funds to invest in high-risk investment products such as foreign exchange, gold and oil futures. If the investment is successful, the depositor can get a higher rate of return, but if the investment fails, the depositor's principal can be guaranteed from loss, but the loss of interest is inevitable, and even the principal can only be obtained. At present, this deposit method is gradually withdrawing from banks.

: deposit risk, many friends may think of the amount of protection in the deposit insurance regulations. According to the relevant provisions of China's Deposit Insurance Regulations, the amount of protection for individual users in the same bank is only 500,000 yuan, which means that no matter how much money you deposit, once a bank goes bankrupt due to special circumstances in the future, you can get 50 100% of the compensation, and the part exceeding 500,000 will not be guaranteed.

Therefore, many people will worry about the safety of deposits of more than 500,000 yuan, especially large deposit customers. In fact, if you have 4 million certificates of deposit in CCB, its security is very high, mainly reflected in the following aspects.

First, certificates of deposit are also general deposits. Because it is a general deposit, the security is similar to our usual bank deposit. Under the premise of no special accident, these time deposits are basically guaranteed capital and interest, and they can be safely taken back at maturity.

Second, CCB, as one of the four state-owned banks in China, ranks second in the country in strength, and its asset quality management level is in the forefront of the country. Moreover, China Construction Bank, as one of the most important banks in China, is closely related to residents and economic development, and now it is too big to fail. Therefore, even if there are some unexpected circumstances in the operation of CCB, it is impossible to go bankrupt, because the state does not allow that. Therefore, whether it is 500,000 yuan, 5 million yuan or 500 million yuan, there is basically no risk as long as you purchase large deposit certificates through formal channels.

Third, although 4 million yuan exceeds the 500,000 quota protected by the Deposit Insurance Ordinance, it does not mean that it is unsafe. Many friends may have such a misunderstanding that the deposit insurance regulations only cover the amount within 500,000 yuan, so once the bank goes bankrupt, the amount exceeding 500,000 yuan will never be recovered. This is actually wrong. Although China's deposit insurance regulations only guarantee the deposit amount within 500,000 yuan, even if the bank goes bankrupt, there will be no big problem. According to the current asset scale and non-performing rate of major banks, after auctioning assets, the income is enough to cover all personal deposits. This is the so-called thin camel is bigger than a horse, so don't worry too much.