The two-year time deposit interest rate of China Construction Bank (whole deposits and round sums) is 4.40%; the benchmark interest rate of demand deposits in 2018 is 0.35%. For example, if 10,000 yuan is deposited in a bank demand deposit, the interest income in one year is 10,000*0.35 %=35 yuan.

Baseline interest rate for lump sum time deposits

1. The benchmark interest rate for lump sum time deposits for three months is 1.10%;

2. Half a year The benchmark interest rate for lump sum time deposits is 1.30%;

3. The benchmark interest rate for lump sum time deposits for one year is 1.50%;

4. The benchmark interest rate for lump sum time deposits for two years is 1.50%;

4. The benchmark interest rate for lump sum time deposits is 2.10%;

5. The three-year benchmark interest rate for lump sum time deposits is 2.75%.

The above is the benchmark interest rate for deposits of various banks, and the actual interest rate will rise to a certain extent from the benchmark interest rate, and the proportion of the rise will vary. Generally speaking, rural commercial banks and commercial banks will see higher increases.

In addition, the current annual interest rate for loans under 1 year announced by the People's Bank of China is 4.35%; the annual interest rate for loans between 1 and 5 years is 4.75%; and the annual interest rate for loans over 5 years is 4.9%.

Extended information:

The deposit interest rates of major banks are as follows:

1. Bank of China: The interest rate for demand deposits is 0.3%, and the three-month interest rate for time deposits is 1.43%. %, six-month interest is 1.69%, one-year interest is 2.1%, two-year interest is 2.73%, three-year interest is 3.575%, and five-year interest is 3.575%.

2. Industrial and Commercial Bank of China: The interest rate for demand deposits is 0.3%, the three-month interest rate for time deposits is 1.43%, the six-month interest rate is 1.69%, the one-year interest rate is 1.85%, the two-year interest rate is 2.52%, and the three-year interest rate is 3.3%. , the five-year interest rate is 3.3%.

3. China Construction Bank: The interest on demand deposits is 0.3%, the three-month interest on time deposits is 1.43%, the six-month interest is 1.75%, the one-year interest is 2.1%, the two-year interest is 2.94%, and the three-year interest is 3.85 %, five-year interest rate is 3.85%.

4. Bank of Communications: The interest on demand deposits is 0.3%, the three-month interest on time deposits is 1.43%, the six-month interest is 1.69%, the one-year interest is 1.95%, the two-year interest is 2.73%, and the three-year interest is 3.52 %, five-year interest rate is 3.52%.

The interest rates of various banks are clear at a glance, so be sure to compare them before depositing money. Find a bank with high interest rates, and your income will be higher.

Generally speaking, the deposit interest rates of small and medium-sized banks will be higher than those of large banks. Because large banks have enough outlets, they have a stronger ability to absorb public and private savings and have lower costs, while small and medium-sized banks, especially city commercial banks, can only attract funds through higher interest rates.