Hello, the deposit interest of rural credit cooperatives is calculated according to the percentage (%) of the deposit principal, and the marked interest rate is generally the annual interest rate. For example, if you deposit 50,000 yuan for five years, the interest rate will be 3.6. In the meantime, if you don't move this certificate of deposit, you will get 360*5 yuan interest after five years. The interest rate is the interest rate on the day of your deposit and will not increase with you. Rural credit cooperatives deposit money and withdraw it before it expires, which belongs to early withdrawal of time deposits and is counted as current interest. Early withdrawal is a kind of time savings deposit, which requires the depositor to withdraw all or part of the deposit before the deposit expires. When depositors withdraw their deposits in advance, in order to protect the interests of depositors and prevent being impersonated, they must also submit their valid identity documents to the bank, which can only be handled after verification by the bank. In case of partial withdrawal, the unexposed part will be reissued according to the original deposit date and the original agreed interest rate.

Supplement: Rural credit cooperatives refer to rural cooperative financial institutions established with the approval of the People's Bank of China, which are composed of members' shares, implement democratic management and mainly provide financial services for members.

Rural credit cooperatives are independent enterprise legal persons, which are responsible for the debts of rural credit cooperatives with all their assets and enjoy civil interests according to law. Its property, legitimate interests and business activities carried out according to law are protected by state laws. Its main task is to raise idle funds in rural areas and provide financial services for agriculture, farmers and rural economic development.

In accordance with national laws and financial policies, organize and standardize rural funds, support agricultural production and comprehensive rural development, support various forms of cooperative economy and family economy, and limit and crack down on usury. Rural credit cooperatives are divided into the following departments: Rural Credit Cooperatives, International Finance Department of Rural Credit Cooperatives, Zhengtong Rural Credit Cooperatives Training School, and Credit Department of Rural Credit Cooperatives. It is a department under the dual leadership of CBRC and the State Council.

I hope it can effectively solve your problem. Good luck.