2026 Bank Deposit Rate Real-Time Monitoring Center
这张页面更适合用来判断“现在大概处在什么利率环境里”，而不是把它当成某一家网点的最终成交价。看最新银行存款利率时，建议先用这里判断 1 年期、3 年期和 5 年期的大致区间，再回到具体银行核实执行利率、起存门槛和活动额度。
如果您正在比较大额存单、普通定期、阶梯存款法或中小银行高息方案，这一页可以先帮您完成第一步筛选：判断收益差到底值不值得为流动性、期限和分散配置做调整。
Current Market Rate Status
At present, the interest rate environment is still biased towards low interest rates, and the interest rate range of core banks is limited. What really deserves to be compared is often term selection, enforcement rates, and the need to preserve liquidity for years to come.
| Bank/Financial Institution | 3 Months | 1-Year Key Reference | 3-Year Core Configuration | 5-Year Long-Term Lock-Up | Deposit Requirements |
|---|---|---|---|---|---|
| State-owned large banks (workers and peasants in the establishment of diplomatic relations) | 1.05% | 1.35% | 1.95% | 2.00% | From 50 yuan |
| Joint-stock banks (China Merchants/Xinye/Pudong Development) | 1.10% | 1.45% | 2.05% | 2.10% | From 1,000 yuan |
| Featured Large Deposit Certificates (Limited Time Limit) | - | 1.65% | 2.15% | 2.25% | From 200,000 |
利率数据说明
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。
当前利率库为内容与工具页统一使用的参考数据，并非银行实时直连报价，不同城市、分行、活动档位可能出现差异。
办理前请以银行 APP、官网公告、客户经理或柜面当日信息为准，尤其留意起存门槛、活动额度和提前支取规则。
手机银行 / 网上银行
优先查看目标银行当日挂牌利率、公示专区和活动大额存单页。
营业网点 / 客服热线
确认当地分行执行利率、起存金额、是否需要预约以及额度是否充足。
本站工具页
适合做方案预估、对比不同期限与策略，不替代最终成交报价。
✨ 💡 Discover higher interest rates?
Small and medium-sized banks and local banks sometimes offer higher enforcement rates, but whether it is worth pursuing depends on deposit insurance boundaries, deposit thresholds, channel convenience, and whether the money will be used in the future.
Calculate Interest Gap📈 Why lock in more than 3 years?
Short-term deposits and short-term withdrawals amplify reinvestment risks during interest rate downturns. Reasonable use of tiered deposits or maturity stratification allows you to more smoothly lock in medium- to long-term interest rates while retaining some liquidity.
View ladder configuration guide →Further Reading
3-Year vs 5-Year Fixed Deposit
If you're looking at long-term rate ranges, this page helps you decide whether to lock in 3 years or 5 years.
Compare Terms>How to Choose High-Rate Small Banks
Higher rates don't always mean better—also consider insurance coverage, channel convenience, and how you plan to use the funds.
View Practical Guide>What Is an Executed Rate?
When reading rate pages, what really determines your actual yield is often the executed rate, not the posted rate.
View Glossary>常见问题
关于利率解读、期限选择和银行对比的高频提问