Bank of communications deposit certificate 2023 interest rate for three years.
1, the initial deposit is 200,000 yuan: three-month interest rate 1 and 65%, six-month interest rate 1 and 95%, 1 interest rate 2 and 25%, two-year interest rate 3 and 15%, and three-year interest rate 3 and 85%.
2. The initial deposit amount is 500,000 yuan: the deposit period is 3 years and the annual interest rate is 4.00%;
3. Initial deposit is 6,543.8+0,000 yuan: annual interest rate is 4,654.38+0.3%, for 3 years.
What should I pay attention to when depositing and selling certificates of deposit?
1. Pay attention to choosing a bank.
The initial deposit amount, deposit period and deposit interest rate of certificates of deposit of different banks are different. Users can compare several banks and choose the bank with the highest interest rate to handle the deposit certificate business. As a deposit product, certificates of deposit are guaranteed by the deposit insurance system, so interest rates are emphasized.
2. Pay attention to the transferability of certificates of deposit.
Not all certificates of deposit are negotiable, and negotiable certificates of deposit are more flexible than non-negotiable certificates of deposit. Transferable certificates of deposit can be transferred out when users are in urgent need of funds, which can avoid the interest rate loss caused by withdrawing certificates of deposit in advance.
3. Pay attention to the provisions on early withdrawal of certificates of deposit.
All certificates of deposit can be withdrawn in advance, but early withdrawal will inevitably bring losses to interest income. Before handling large deposit certificates, it is necessary to make clear whether to support partial early withdrawal and the interest rate calculation rules during early withdrawal, which is directly related to the income of users in handling deposit certificates.
4. Pay attention to the deposit period of certificates of deposit.
The longer the deposit period, the larger the initial deposit amount and the higher the yield. However, when making certificates of deposit, we should also consider the individual's demand for funds and avoid blindly choosing certificates of deposit with too large initial deposit amount and too long deposit term.
The above is what you need to pay attention to when you buy a large deposit certificate of Bank of Communications. I hope it helps you.