ICBC is a familiar name to many, and as one of China's six largest state-owned banks, it is very strong and well-known. So, if you deposit 10,000 yuan in ICBC and choose current, fixed or treasury bond deposits, how much interest will you get after three years?Let's break it down.
Demand deposit is a highly flexible deposit method, but the interest rate is quite low, for example, the demand deposit interest rate of ICBC is only 020%。Converted, the interest of 10,000 yuan deposited in the current account for one year is only 20 yuan, and the interest for three years is only 60 yuan. In this way, the interest on demand deposits is really negligible.
Therefore, for people who have spare money, it is a bit overkill to keep the money in the current account. In contrast, fixed deposits are more attractive. The interest rate of ICBC for one year is 1 per annum80%, 10,000 yuan can get 180 yuan of interest for one year, and the total interest of three years can even reach 540 yuan.
Of course, if you have a longer-term plan and directly deposit a one-time deposit for three years, the annualized interest rate of ICBC is 260%, the interest for three years is as high as 780 yuan. However, this approach is relatively inflexible and is limited to a certain extent if funds need to be withdrawn in the middle of the process.
Another option is to buy savings bonds, and the latest three-year Treasury bond interest rate is 2 per annum63%, and the interest at maturity is 789 yuan. Treasury bonds have slightly higher interest rates than fixed deposits and are more flexible in terms of flexibility.
For those who have spare money and are not in a hurry to use it, buying Treasury bonds may be a better option. Overall, ICBC's strength and stability are undoubtedly very trustworthy. Whether it is demand, time or treasury bond deposits, it can bring a certain degree of income to ordinary depositors.
Therefore, depositing funds with ICBC is undoubtedly a good choice. So, which form would you choose to store your idle funds?What are your views and experiences on the purchase of government bonds?Welcome to leave a message to discuss.