Deposits are divided into current deposits and time deposits.
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1. Current deposit: The interest rate of current deposit of Agricultural Bank of China is 0.3%, and the interest rate of 300,000 yuan for 3 years = 300,000 *0.3*3=2700;
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2. Integrated deposit and withdrawal: 3-year integrated deposit and withdrawal rate is 2.75%, 300,000 deposit interest = 300,000 *2.750*3=24750 yuan; According to the record of interest rate trend over the past several years, the highest interest rate of 3-year fixed deposit is credit union, so its interest rate is generally higher than ordinary time deposit. Taking the current 3-year interest rate trend as an example, Agricultural Bank of China rose 45%, or 3.987%; Postal Savings Bank has the highest rise of 50%, or 4.125%; Rural credit cooperatives and rural commercial banks rose 55 percent to 4.26 percent.
You can earn about $25,000 in interest income.
At present, the interest rate of a three-year time deposit in the bank is 2.75%. If you deposit 300,000 yuan in the bank, after three years, you will earn about 25,000 yuan in interest
China Construction Bank offers an annual interest rate of 4.125% on three-year certificates of deposit starting at 300,000 yuan. Assuming that the investor deposits 300,000 yuan, then the annual interest income can be obtained: 300,000 *4.125%=12375 yuan.
The interest rate for a three-year fixed deposit is 3,25 ‰. The calculation formula is as follows: 300,000 yuan X3,25‰X3 = 9750X3 = 29250 yuan.
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A deposit of 300,000 yuan with a fixed term of three years will yield interest of 29,250 yuan at maturity. That's a lot of interest. From this point of view, money should still be deposited in the bank, to participate in the banking insurance bank, interest, but also safe.
1, the whole deposit and withdrawal: the annual interest rate of three years is 2.75%, the interest of 300,000 deposits for three years is 300,000 *2.75%*3=24750 yuan.
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2. Fractional deposit and withdrawal, fractional deposit and principal withdrawal: the three-year annual interest rate is 1.55%, and the interest rate of 300,000 deposits for three years is 300,000 *1.55%*3= 13,950 yuan.
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3. Certificate of Deposit: The three-year annual interest rate of the 19th Certificate of deposit of ICBC in 2018 starting from 300,000 yuan is 3.988%, and the interest rate of 300,000 yuan for three years is 300,000 *3.988%*3= 35,892 yuan.
The interest is $35,865. A deposit of more than 200,000 yuan is a certificate of deposit. If 300,000 yuan is deposited in China Construction Bank for three years, the interest rate will be 35,865 yuan (3.985%) upon maturity. If deposited in the Bank of Nanjing 300,000 years, the due interest is 37,620 yuan.