This website updates the most real-time time deposit information for you every day. Since November, almost all banks have adjusted the annual interest rate of fixed deposits. At the beginning of this week, 4 banks raised interest rates immediately. CCB Asia joined the 5% mark, but the entry threshold is quite high; CNCBI raised the annual interest rate of some deposit periods by 0.2%, up to 4.8%, and the entry threshold is low; Public Bank has raised interest rates for two consecutive weeks, increasing to the highest 4.6%; Hang Seng Bank has increased the Hong Kong dollar and the US dollar by 0.2% for three months, up to 4.05%. In addition, there is another bank that has cut interest rates. Is it a short-term adjustment, or is it expected that the rate hike will peak and take the lead? Details are as follows︰
Banks that adjusted interest rates on fixed deposits in November (partial)
CCB catches up to 5% level
CCB Asia has an annual interest rate of 5% for 12 months, and it will be increased to 4.8% for 3 months. However, the threshold is high, and it needs to be a new “VIP Elite” and “VIP Wealth Management” customer and open with new funds in Hong Kong dollars. Wealth management accounts require a minimum average daily balance of HKD 5 million and HKD 1 million. If you are an existing “VIP Elite” or “VIP Wealth Management” customer, you need at least RMB 5 million (opened at a branch) or RMB 8 million to get 4.9% for 12 months.
CNCB’s 4.8% threshold is low
CNCBI has increased the 12-month regular rate to 4.8%, and the 6-month and 3-month rates are also 4.7 and 4.6% respectively. The entry threshold is low, and only 10,000 yuan of new funds are required to open online.
East Asia new customers 4.9% need to deposit 500,000 yuan
Bank of East Asia has launched a new promotion. The 12-month fixed annual interest rate for the first 500,000 yuan of “SuperiorGold” new customers reaches 4.9%, earning 24,500 yuan a year. The 6-month and 3-month term also have an annual interest rate of 4.7% and 4.5% respectively.
China Merchants Wing Lung 4.7% need to deposit 5 million and 24 months
China Merchants Wing Lung raised the deposit interest to a maximum of 4.7%, but it needs to deposit at least 5 million yuan and 24 months, and the conditions are not low. The 12-month term will be increased to a maximum of 4.6%, and the initial deposit is also 5 million yuan. However, if the admission fee for the above-mentioned deposit period is only 10,000 yuan or 500,000 yuan, it will be 4.4% to 4.6% respectively, which is not bad.
Chong Hing Big Hand raises interest rate to 4.6% for 6 months
Among the above-mentioned banks, it is worth mentioning that Chong Hing raised the interest rate aggressively this month, and raised it to 4.6% in 6 months, which is considered a relatively high level in the industry; in 3 months, it has increased from a level of more than 3% to 4.1%.
Furong’s 6-month 4.28% virtual silver is the highest
A series of moves by virtual banks, Furong Bank increased the six-month regular rate to 4.28%, and removed the deposit requirement of 500,000 yuan, and changed it to no minimum deposit amount. And 4.28% is the highest annual interest rate among virtual silver’s 6-month fixed term.
Virtual banks rob deposits, the more they grab, the longer they will last. After Huili, livi bank also launched a 24-month deposit period with an annual interest rate of 4.5%. ten thousand yuan.
Ping An OneConnect Bank also launched a discount for new customers, up to 5.5%, temporarily the highest in the city, see[Regular margins are good – 5% articles】
This week, many virtual banks have increased their deposit interest. Except for PAOB, livi, and Furong, Airstar Bank, which has less adjustments, has also increased their deposit interest, with a maximum of 4.2% for a 12-month deposit period. After Tianxing also increased to above 4%, most banks are now at the level of 4 to 5%.
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