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China Postal Savings Regular Interest Rate: How Much is the China Postal Savings Regular Interest Rate?

China Postal Savings Bank's one-year fixed interest rate is 4%. Therefore, if you deposit one million yuan in a one-year fixed deposit, the interest will be 400 yuan. This is calculated based on compound interest. If calculated using simple interest, the interest would be one million multiplied by 4%, which equals 400 yuan.

As of 2021, China Postal Savings Bank's annual fixed deposit interest rate was 1.78%. Other deposit rates for 2021 were as follows:

Current Deposit Rate: 0.30%

3 Months Fixed Deposit Rate: 1.35%

6 Months Fixed Deposit Rate: 1.56%

1 Year Fixed Deposit Rate: 1.78%

2 Years Fixed Deposit Rate: 2.25%

3 Years Fixed Deposit Rate: 2.75%

As of 2022, China Postal Bank's deposit rates were:

Current Deposit Rate: 0.3%

3 Months Fixed Deposit Rate: 1.10%

6 Months Fixed Deposit Rate: 1.30%

1 Year Fixed Deposit Rate: 1.50%

2 Years Fixed Deposit Rate: 2.10%

3 Years Fixed Deposit Rate: 2.75%

As of February 2023, China Postal Savings Bank's deposit rates were:

Current Deposit Rate: 0.3%

3 Months Fixed Deposit Rate: 1.35%

6 Months Fixed Deposit Rate: 1.56%

1 Year Fixed Deposit Rate: 1.78%

2 Years Fixed Deposit Rate: 2.25%

3 Years Fixed Deposit Rate: 2.75%

5 Years Fixed Deposit Rate: 2.75%

China Postal Savings Bank announced a reduction in deposit rates in June 2023, including:

Current Deposit Rate decreased by 5 basis points to 0.20%

2 Years Fixed Deposit Rate decreased by 10 basis points to 2.05%

3 Years and 5 Years Fixed Deposit Rates both decreased by 15 points

As of 2021, China Postal Savings Bank's Renminbi deposit rates were:

Current Deposit Rate: 0.3%

Fixed Deposit Rates for different terms:

3 Months: 1.35%

6 Months: 1.56%

1 Year: 1.78%

2 Years: 2.25%

3 Years: 2.75%

5 Years: 2.75%

If you deposit money in a fixed deposit through China Postal Bank's mobile banking or branch network, the interest is usually calculated based on the posted interest rate. The latest posted annual rates for fixed deposits are as follows:

3 Months Fixed: 1.25%

1 Year Fixed: 1.35%

3 Years Fixed: 1.56%

5 Years Fixed: 1.56%