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Bank Deposit Interest Rate Details

Below are the deposit interest rate information from major banks, sourced from their official websites. Last updated: March 9, 2026

Industrial and Commercial Bank of China

Deposit Term ICBC Execution Rate Minimum Deposit
Current 0.15% 1 Yuan
3 Months 0.65% 50 Yuan
6 Months 0.85% 50 Yuan
1 Year 1.85% 50 Yuan
3 Years 1.55% 50 Yuan

Source: ICBC official website, Last updated: March 9, 2026

China Construction Bank

Deposit Term CCB Execution Rate Minimum Deposit
Current 0.15% 1 Yuan
3 Months 0.65% 50 Yuan
6 Months 0.85% 50 Yuan
1 Year 1.85% 50 Yuan
3 Years 1.55% 50 Yuan

Source: CCB official website, Last updated: March 9, 2026

Agricultural Bank of China

Deposit Term ABC Execution Rate Minimum Deposit
Current 0.15% 1 Yuan
3 Months 0.65% 50 Yuan
6 Months 0.85% 50 Yuan
1 Year 1.85% 50 Yuan
3 Years 1.55% 50 Yuan

Source: ABC official website, Last updated: March 9, 2026

Bank of China

Deposit Term BOC Execution Rate Minimum Deposit
Current 0.15% 1 Yuan
3 Months 0.65% 50 Yuan
6 Months 0.85% 50 Yuan
1 Year 1.85% 50 Yuan
3 Years 1.55% 50 Yuan

Source: BOC official website, Last updated: March 9, 2026

Deposit Tips

  • Compare interest rates from multiple banks before depositing to choose the optimal deposit plan.
  • For large deposits, consider negotiable certificates of deposit (CDs), which usually offer higher interest rates.
  • Early withdrawal of time deposits will be calculated at current interest rates, so plan your fund usage rationally.
  • Some banks offer preferential interest rates for new customers or specific amounts, so pay attention to bank promotions.