WeChat Channel: Pay attention to the official account of WeChat, Agricultural Bank of China, and click "Microfinance → Investment and Financial Management → Quotation Interest Rate → Deposit and Loan Interest Rate → Deposit Interest Rate" to inquire.
Personal banking APP: log in to the personal banking APP and click "wealth management → deposit → deposit interest rate → RMB deposit interest rate" to inquire.
Official website, Agricultural Bank of China: Enter official website, Agricultural Bank of China, and click "Online Handling and Rate → Deposit Interest Rate" to inquire.
Interest calculation method:
The lump-sum deposit and lump-sum withdrawal interest-bearing formula is divided into the following situations:
1. Withdrawal due:
(1) If the interest period is a whole year (month), interest = principal × years (months) × interest rate-interest income tax.
(2) If the interest period has a whole year (month) and odd days: interest = principal × number of years (month) × annual (month) interest rate+principal × odd days × daily interest rate-interest income tax.
2. Withdrawal at maturity after transfer: interest = (principal in the previous period+interest due in the previous period-interest income tax) × deposit term × interest rate-interest income tax.
3. Full withdrawal in advance: interest = principal × actual deposit period × deposit interest rate on withdrawal date-interest income tax.
4. Partial early withdrawal: interest = partial withdrawal principal × actual deposit period× deposit interest rate on withdrawal date-interest income tax (the amount not withdrawn in advance still bears interest on the original deposit date or transfer date. )
Tips: Please refer to the system display when you actually handle business for the specific interest rate.
(Answer time: 165438+20201October 26th. In case of business changes, please refer to the actual situation. )