Certificate of Deposit (CD) Details

The following is information about large-denomination transferable certificate of deposit products from major banks, sourced from official bank websites, updated on March 9, 2026

What is a Certificate of Deposit (CD)?

A large-denomination transferable certificate of deposit (CD) is a large-denomination, fixed-term, transferable deposit certificate issued by banks. It is an important money market instrument that combines safety and liquidity.

Key Features:

Fixed denomination: Generally 100,000 yuan, 200,000 yuan, 500,000 yuan, etc.
Fixed term: Usually 1 month, 3 months, 6 months, 1 year, 2 years, etc.
Transferable: Can be transferred in the secondary market, with high liquidity
Higher interest rate: Usually higher than the interest rate of regular deposits of the same period
High safety: Belongs to bank deposits, protected by deposit insurance system

ICBC Large-Denomination Transferable Certificates of Deposit

Term	Minimum Deposit	Annual Interest Rate	Issuance Status
1 month	200,000 yuan	0.90%	On Sale
3 months	200,000 yuan	1.10%	On Sale
6 months	200,000 yuan	1.30%	On Sale
1 year	200,000 yuan	1.80%	On Sale
3 years	200,000 yuan	2.10%	On Sale

Data Source: ICBC official website, Updated: March 9, 2026

CCB Large-Denomination Transferable Certificates of Deposit

Term	Minimum Deposit	Annual Interest Rate	Issuance Status
1 month	200,000 yuan	0.90%	On Sale
3 months	200,000 yuan	1.10%	On Sale
6 months	200,000 yuan	1.30%	On Sale
1 year	200,000 yuan	1.80%	On Sale
3 years	200,000 yuan	2.10%	On Sale

Data Source: CCB official website, Updated: March 9, 2026

ABC Large-Denomination Transferable Certificates of Deposit

Term	Minimum Deposit	Annual Interest Rate	Issuance Status
1 month	200,000 yuan	0.90%	On Sale
3 months	200,000 yuan	1.10%	On Sale
6 months	200,000 yuan	1.30%	On Sale
1 year	200,000 yuan	1.80%	On Sale
3 years	200,000 yuan	2.10%	On Sale

Data Source: ABC official website, Updated: March 9, 2026

BOC Large-Denomination Transferable Certificates of Deposit

Term	Minimum Deposit	Annual Interest Rate	Issuance Status
1 month	200,000 yuan	0.90%	On Sale
3 months	200,000 yuan	1.10%	On Sale
6 months	200,000 yuan	1.30%	On Sale
1 year	200,000 yuan	1.80%	On Sale
3 years	200,000 yuan	2.10%	On Sale

Data Source: BOC official website, Updated: March 9, 2026

Large-Denomination Transferable Certificate of Deposit Investment Tips

Large-denomination transferable certificates of deposit are suitable for investors with a certain amount of funds and requirements for liquidity.
When purchasing, pay attention to comparing interest rates from different banks to choose the optimal product.
If you need to cash out early, you can transfer through banks or trading platforms.
The interest rate of large-denomination transferable certificates of deposit is usually related to the market fund situation, and you can pay attention to changes in monetary policy.
When individual investors purchase large-denomination transferable certificates of deposit, they need to pay attention to the minimum deposit amount and term requirements.