1, the initial deposit amount is different. The initial deposit of a large deposit certificate will inevitably require a lot of money. The initial deposit amount of financial large deposit certificates is generally 200,000 yuan, while the initial deposit amount of financial ordinary deposit certificates is much lower. The current deposit 1 yuan can be started. Even for time deposits, the initial deposit amount is only 50 yuan.

2. The deposit interest rate is different. One advantage of certificates of deposit is that the deposit interest rate is higher, while the interest rate of financial certificates of deposit will be lower.