Best Savings Interest Rate Ranking in 2024Many people have idle funds and want to find a bank with a high interest rate to save money, but due to the large number of banks and limited information, many people do not know which bank to choose. In this article, let's take stock of which bank will have the highest interest rate on 100,000 yuan in 2024. We will list 6 large state-owned banks and 12 national joint-stock commercial banks. Let's start with the six major state-owned banks: Bank of China, Agricultural Bank of China, Industrial and Commercial Bank of China, China Construction Bank, Bank of Communications and China Post Bank.
Next are the 12 national joint-stock commercial banks: China Guangfa Bank, China Merchants Bank, Ping An Bank, Huaxia Bank, Hengfeng Bank, Everbright Bank, Zheshang Bank, Industrial Bank, Shanghai Pudong Development Bank, Minsheng Bank, China CITIC Bank and Bohai Bank. The data we give here is a lump sum deposit and withdrawal, because the interest rate of lump sum deposit and lump sum withdrawal is higher than that of other types of fixed deposits, except for large-value certificates of deposit, which are not open to non-users in many banks, so we will not list them here.
In addition, the deposit interest rate of some regional commercial banks is also relatively high, and if there are local commercial banks in the vicinity, you can compare the interest rates and make deposits. It can be seen from the data that among the six major state-owned banks, the six-month and one-year interest rates of the postal bank are higher, and the interest rates of the six major state-owned banks with other maturities are the same. Among the 12 national joint-stock commercial banks, Zheshang Bank's interest rate is higher than that of other banks as a whole.
That is to say, among the six major state-owned banks and 12 joint-stock commercial banks and 18 banks, the deposit interest rate of Zheshang Bank is the highest.
Let's calculate how much interest you can get by depositing money in Zheshang Bank for 100,000 yuan: three months: 100,000 yuan * 14% 4=350 yuan, six months: 100,000 yuan*145% 3 = 725 yuan, one year: 100,000 yuan * 165%*1=1650 yuan, two years: 100,000 yuan*19%*2=3,800 yuan, three years: 100,000 yuan*225%*3=6,750 yuan, five years: 100,000 yuan*235%*5=11,750 yuan.
To sum up, Zheshang Bank has the highest deposit interest rate, and if you have 100,000 yuan of funds, it may be a good choice to consider choosing Zheshang Bank deposit.