In the past year, the deposit rate of each bank has been raised more or less on the basis of the benchmark interest rate. So what's the latest bank deposit rate in 2019? If we use the current deposit rate, how much interest can 100000 yuan deposit for three years?
1. The latest deposit interest rate of state-owned banks
The following table shows the latest deposit interest rates of the four major state-owned banks:
From the perspective of deposit interest rates of the four major state-owned banks, among the three-year fixed deposits, the highest interest rate is China Construction Bank, and the lowest is industrial and Commercial Bank of China. Therefore, if the three-year fixed deposits are deposited, 100000 deposits can get interest of up to 11550 yuan and 9900 yuan at least.
Of course, if you are worried that this money may be used during this period, you can also deposit it for one year, or you can deposit it for two years first and then for one year. If you deposit by the former method, you can only get interest of 6433 yuan at most for 100000 deposit for 3 years, and 5964.8 yuan at least; if you deposit by the latter method, you can get interest of 8103.5 yuan at most, and 7516.5 yuan at least.
2. Latest deposit rate of joint stock bank
The following table shows the latest deposit interest rate of joint stock banks:
The deposit interest rate of joint-stock banks is relatively more complex. In addition to China Merchants Bank, the interest rate of one-year fixed deposits of other joint-stock banks is almost the same as that of state-owned banks; but in addition to Everbright Bank, the interest rate of two-year and three-year fixed deposits of other banks is lower than that of state-owned banks.
According to the latest deposit interest rate table of the joint stock bank, if the deposit is fixed for three years, 100000 deposits can get interest of 10725 yuan at most and 8250 yuan at least. As for other terms of deposit, you can calculate by yourself.
3. The latest deposit rate of City Commercial Bank
The following table shows the latest deposit rates of urban commercial banks:
The deposit interest rate of city commercial banks seems more complicated than that of joint-stock banks. Those with higher deposit interest rate are higher than those of state-owned banks, but those with lower deposit interest rate are lower than those of state-owned banks. At the same time, the highest deposit interest rates of different maturities belong to different banks. For example, the Bank of Ningbo has the highest one-year fixed rate, while the Bank of Nanjing has the highest three-year fixed rate.
If it's a three-year fixed-term deposit, 100000 deposits can get interest of 11715 yuan at most in three years, and 8250 yuan at least. As for other terms of deposit, you can calculate by yourself.
4. The latest deposit rate of Rural Commercial Bank of China
The following table shows the latest deposit rates of several rural commercial banks:
From the above deposit interest rate table of rural commercial bank, the deposit interest rate of rural commercial bank is basically the same as that of state-owned banks. If it is a three-year term deposit, 100000 deposits can get interest of 11550 yuan at most and 9900 yuan at least in three years.
It can be seen from the comparison results of deposit interest rates of all kinds of banks in 2019 that the city commercial bank has the largest deposit interest rate and the joint-stock bank has the lowest deposit interest rate. However, the deposit rates of the above banks can only be used as a reference. After all, the deposit rates of the banks in different regions will be different. The actual deposit rates of the local bank outlets shall prevail.
In addition, the level of bank deposit interest rate also has something to do with the amount of deposit. If the amount of deposit is large, you may get a higher deposit interest rate.