RMB Deposit Interest Rates

Effective from October 21, 2024
Annual Interest Rate (%)
Retail Deposit Non-guarantee Deposit  Guarantee Deposit
  1. Demand Deposit 0.10 0.10
    2. Time Deposit
         (1) Lump-sum Deposit and Withdrawal
        3-month 0.85 0.85
        6-month 1.10 1.10
        1-year 1.30 1.30
        2-year 1.35 1.35
        3-year 1.55 1.55
        5-year 1.60 1.60
       (2) Time Deposit by Installments, Time Deposit of Lump-sum Principal Deposit and Periodic Interest Withdrawal, Time Deposit of Withdrawal by Installments
        1-year 0.85 ——
        3-year 1.10 ——
        5-year 1.30 ——
        (3) Demand-time Flexible 按一年以内定期整存整取同档次利率打6折 ——
    3. Call Deposit
        1-day 0.35 ——
        7-day 0.70 ——