RMB Deposit Rates 2025-05-20
Types Interest Rate (% per annum)
1. Demand 0.05 
2. Term  
Lump-sum Deposit for Lump-sum Withdrawal  
3 Months 0.65 
6 Months 0.85 
12 Months 0.95 
24 Months 1.05 
36 Months 1.25 
60 Months 1.30 
Small Deposit for Lump-sum Withdrawal,
Lump-sum Deposit for Small Withdrawals,
Principal Deposit for Interest Withdrawals
 
12 Months 0.65 
36 Months 0.85 
60 Months 0.85 
Time or Demand Optional Deposit 60% discount of the interest rate at which lump-sum time deposit for of lump-sum withdrawal are made for one year or less
3. Agreed Deposit 0.10 
4. Call Deposit  
1 Day 0.10 
7 Day 0.30 

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