In 2023, the annual interest rate of China Postal Savings Bank's deposit certificate was about 2.35%, and the interest earned after one million years was about 23,500 yuan. The three-year fixed interest rate is about 3. 15%, and the interest earned is 1 ten thousand * 0.0315 * 3 = 94,500 yuan. The five-year fixed interest rate is about 3.65%. Precautions for purchasing certificates of deposit: it depends on the bank where the deposit is made. The annual interest rate of large deposits in state-owned banks is up to 50%, that of joint-stock banks is up to 52%, and that of city commercial banks and rural commercial banks is up to 55%. This is mainly because large state-owned banks are not short of money, so interest rates rise slightly, while small and medium-sized banks and even private banks have higher interest rates. Postal interest of 22022: the interest is 4. 125%. In view of the high-yield products of the Postal Savings Bank, it is first necessary to clarify the attributes of the products. If the bank is responsible for sales, it is necessary to pay attention to whether it is an insurance wealth management product sold by the bank. The promotional pictures of the Postal Savings Bank show that the five-year regular annualized interest rate can reach 5.28%. Therefore, if the product is really a five-year time deposit, it is still worth buying. The interest rate of the three-year time deposit of the Postal Savings Bank is now 3.25%, so the maturity interest of the 300,000 time deposit is 29,250 yuan. The calculation method of the interest of the Postal Savings Bank is the deposit principal multiplied by the annual interest rate and then multiplied by the deposit time. Postal savings bank deposit interest rate The deposit interest rate is fixed at 0.3%, three months 1.35%, six months 1.56%, one year 1.78%, two years 2.25%, three years 2.75% and five years 2.75%. China Postal Savings Bank deposits 200,000 three-month certificates of deposit, with the interest rate of about 1.5%, and the interest earned in three months is about 750 yuan. The interest rate is about 1.95% for one year and about 3. 1% for three years.