List of the latest interest rates on time deposits and large certificates of deposit from major banks in 2026
The latest listed annual interest rates of major state-owned banks (Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank and Bank of Communications) are as follows. Please note that large funds can often be applied for floating preferential rates at outlets.
| Bank Name | Three Months | Six Months | One year limited | Two-Year | Triennial |
|---|---|---|---|---|---|
| Six state-owned banks unify benchmarks | 1.05% | 1.25% | 1.35% | 1.45% | 1.95% |
| Joint-stock bank benchmarking | 1.10% | 1.30% | 1.50% | 1.55% | 2.00% |
| Data updated: March 2026. For informational purposes only. | |||||
图表数据口径说明
更新于 2026-04-01观测窗口：2026年3月下旬至4月初
本站按国有大行、股份制银行和特色大额存单的常见挂牌区间整理为估算口径，便于收益试算与方案比较。
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