1, the term is 3 months, and the interest rate is1.672%;
2. The deposit period is 6 months and the interest rate is1.976%;
3. Term 1 year, with interest rate of 2.28%;
4. The deposit period is 2 years, and the interest rate is 3.192%;
5. The deposit period is 3 years and the interest rate is 4. 18%.
The above is the interest rate related content of Chengdu Bank Deposit Certificate 2022.
Which is better, funds or certificates of deposit?
1. From the liquidity point of view: Generally, certificates of deposit have a term, which is relatively long, some are one year, some are two years, depending on how many years the depositor has kept them. The liquidity of the fund is relatively good, and most of it is redeemed at T+ 1;
2. From the risk point of view: large deposit certificates will protect the principal and interest, and there will be no loss. However, the fund does not guarantee the principal and interest, which is risky. If the selected fund is not good, the fund will lose money if it falls. In addition, there are many types of funds, such as money funds, bond funds, hybrid funds, index funds, stock funds and so on. And the risks and benefits are different.
3. From the threshold: Generally speaking, it is difficult for ordinary people to have a deposit of 200,000 yuan, and it is generally best not to take it out in advance after saving it. Taking it out in advance will deduct interest. However, the funding threshold is relatively low. Some money funds can be purchased for one yuan, and some funds can be purchased for ten yuan. The threshold is relatively low, and most people can buy it.
4. From the perspective of profitability: the interest of large deposits is fixed, but the income of funds is not fixed, so it is possible to lose money and the risk is relatively large.
Can I borrow a large deposit certificate?
Large certificates of deposit can be used for loans, but they must meet certain standards, and the starting point of such loans is 1 10,000 RMB. Large certificates of deposit can only be used for pledge, not mortgage. Large-sum pledge loan is a win-win loan method. For borrowers, the loan process is simple and the interest rate is relatively low. For financial institutions, the risk is relatively small, which conforms to the safety factor, liquidity and high efficiency stipulated by banking financial enterprises.
Can I take out the deposit slip on the due date?
Large certificates of deposit can be withdrawn on the maturity date. Usually, on the maturity date, users can take their ID cards, certificates of deposit and other related materials to the bank to withdraw large certificates of deposit. Of course, if the withdrawal amount of the user is relatively large, the user needs to make an appointment with the bank one day in advance. This article is mainly about the knowledge of Chengdu Bank Deposit Certificate 2022 interest rate, and the content is for reference only.