List of interest rates of large deposit certificates of major banks in 2022, and list of interest rates of five major banks.

1. ICBC's interest rate for large deposits: RMB 200,000 for initial deposit, one-month interest rate 1.58%, three-month interest rate 1.54%, six-month interest rate 1.82%, 1 interest rate 2./kloc- The initial deposit is 300,000 yuan, with three-month interest rate 1.60%, six-month interest rate 1.88%, 1 interest rate 2. 18%, and two-month interest rate 3.04%.

2. Interest rate of large deposit of CCB: RMB 200,000 yuan for initial deposit, one-month deposit rate 1.53%, three-month deposit rate 1.54%, six-month deposit rate 1.82%, deposit rate 1, and deposit rate 2./kloc-. The initial deposit is 300,000 yuan, and the interest rate is one month, three months and six months, 1.885%, 1. 175%, 2 years and 3.045%.

3. Interest rate of large deposit of Agricultural Bank of China: RMB 200,000 yuan for initial deposit, one-month deposit rate 1.54%, three-month deposit rate 1.54%, six-month deposit rate 1.82%, deposit rate 1, and deposit rate 2./kloc-. One-month deposit rate 1.56%, three-month deposit rate 1.56%, six-month deposit rate 1.85%, 1 deposit rate 2. 13%, two-year deposit rate 2.98%, and three-year deposit rate. Three-month deposit rate 1.60%, six-month deposit rate 1.89%, 1 deposit rate 2. 18%, secondary deposit rate 3.05% and tertiary deposit rate 3.99%.

4. Interest rate of large deposit of Bank of Communications: initial deposit amount is 200,000 yuan, three-month interest rate 1.65%, six-month interest rate 1.95%, 1 2.25%, two-year interest rate 3. 15% and three-year interest rate 3.85%. The initial deposit is 500,000 yuan, with an annual interest rate of 4.00% for 3 years. The initial deposit amount is 6.5438+0 million, and the annual interest rate for the three-year deposit period is 4.13%;

5. Interest rate of large deposit in China Bank: initial deposit is 200,000 yuan, one-month deposit rate 1.53%, three-month deposit rate 1.54%, six-month deposit rate 1.82%, deposit rate 1, and deposit rate 2./kloc-. The initial deposit is 300,000 yuan, and the interest rates for one month, three months and six months are 1.89%, 1.08%, 2654, 38+0, 3.05% and 3.05% respectively. The interest rate is 6 months 1.94%, 1 2.44%, 3 years13% and 4 years10%.

The above is a list of interest rates of large deposit certificates of major banks in 2022.

Brief introduction of time deposit

Time deposit is a kind of deposit with stable income, which has many advantages that other deposit methods do not have. First of all, time deposits have a stable income, which has a low risk and reduces a lot of trouble for depositors. Whenever the stock market is bad, investors of all sizes come to the bank to deposit money. At this time, time deposit is a good choice. Secondly, if you choose time deposit, you can enjoy the function of automatic rollover. Customers can freely choose whether to deposit for a fixed period or for a duration. After choosing, it is not difficult to change, and the operation is simple and convenient. In addition, depositors who choose time deposits can have a flexible sum of money. If they need money urgently and need to withdraw time deposits in advance, they can go to the bank to explain to the staff that they can withdraw their deposits in advance, and the interest is calculated according to the current interest. Finally, the initial deposit amount of time deposit is low, at least in 50 yuan RMB, and there are many options for deposit periods, giving depositors a high degree of freedom, and they can choose three months, six months, one year, two years, three years and five years.

Is time deposit risky?

There are certain risks in bank time deposits, among which the biggest risk comes from currency depreciation caused by market inflation and soaring prices. In the case that the interest rate of bank time deposits has no special advantage, the currency depreciation brought by long-term time deposits will directly affect the value of the currency, and the interest rate income of time deposits cannot offset the loss of currency depreciation. On the other hand, banks are also at risk of bankruptcy. Despite the guarantee of deposit insurance system, more than 500,000 yuan can only be paid according to bank liquidation.

How to inquire about deposits

Inquiry on 1.ATM: First, find the appropriate ATM at the bank outlet, then insert the bank card of the deposit account into the bayonet, enter the corresponding password according to the prompt, and select the inquiry function to inquire about the balance on the card;

2. Counter inquiry: wait at the bank counter with the ID card, give the bank card and ID card to the bank teller, and inform the bank teller of the business to be handled, and the bank teller will inquire about the balance in the system;

3. Check the balance by SMS: edit the SMS to check the balance and send it to the bank. After successful sending, you will receive a reminder of the bank's balance. You can check the deposit balance and other information by viewing this message;

4. Inquire through the bank's customer service hotline: Call the bank's customer service hotline, and provide the ID card and account number after connecting to the manual customer service for the customer service staff to help with the inquiry.

This paper mainly aims at the relevant knowledge points in the interest rate table of large deposit certificates of major banks in 2022, and the content is for reference only.