This website updates the most real-time fixed 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 immediately raised interest rates. CCB Asia joins 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; Bank of Communications Hong Kong increased the 12-month term to 4.7 %, raising interest rates for two consecutive weeks; Public Bank also raised interest rates for two consecutive weeks, up to a maximum of 4.6%; Hang Seng Bank increased the 3-month Hong Kong dollar and US dollar terms by 0.2%, up to 4.05%; 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 (Part of) Adjusting Fixed Deposit Interest Rates in November
CCB catches up with 5% level
CCB Asia has an interest rate of 5% per annum for 12 months, which is also increased to 4.8% for 3 months. However, the threshold is high. It needs to be opened for new “VIP Premier” and “VIP Banking” customers with new funds in Hong Kong dollars. The wealth management account requires a minimum daily balance of RMB 5 million and RMB 1 million. If you are an existing “VIP Premier” or “VIP Banking” customer, you need at least RMB 5 million (for branch opening) or RMB 8 million to get 4.9% for 12 months.
CNCB has a low threshold of 4.8%
CNCBI increased the 12-month term to 4.8%, and the 6-month and 3-month rates were also 4.7% and 4.6%, respectively. The entry threshold is low, and only 10,000 yuan of new funds can be opened online.
East Asia new customers 4.9% need to deposit 500,000 yuan
The Bank of East Asia has launched a new offer. The first $500,000 of new SupremeGold customers will receive a 12-month fixed annual interest rate of 4.9%, earning an annual interest of $24,500. 6-month and 3-month term, with annual interest rates 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 will increase 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. Its 12-month term is increased to a maximum of 4.6%, and the minimum deposit is also 5 million yuan. However, if the above-mentioned deposit period is only 10,000 yuan or 500,000 yuan, it is also 4.4% to 4.6%, which is not bad.
Chong Hing raised interest rates by 4.6% in 6 months
Among the above-mentioned banks, Chong Hing is worth mentioning. This month, it raised interest rates aggressively to 4.6% in 6 months, which is a high level in the industry; in 3 months, it increased significantly from the level of more than 3% to 4.1%.
Furong 6 months 4.28% virtual silver highest
The virtual bank made a series of moves. Furong Bank increased the 6-month term to 4.28%, and removed the deposit requirement of 500,000 yuan, instead of setting a minimum deposit amount. And 4.28% is the highest annual interest rate in the 6-month period of virtual silver.
The virtual silver scrambles for deposits, and the longer the snatch, the longer it is. After Huili, livi bank also launched a 24-month deposit period with an annual interest rate of 4.5%. million.
Ping An OneConnect Bank also offers new customer discounts up to 5.5%, temporarily the highest in the city. For details, see【Regular side time is good ─ 5 PCT articles】
Many virtual banks have raised interest rates this week. In addition to PAOB, livi, and Furong, the less-adjusted Airstar Bank also raised interest rates, with a maximum deposit period of 4.2% for 12 months. After Tianxing has also increased to above 4%, most banks are now at the level of 4% to 5%.
＝＝＝＝＝
【ET Caizhi Talk】Travel Tips for Christmas and New Year Klook Cen Haoqi analyzes post-epidemic travel trends and strategies!
The highest interest rate for inter-bank deposits, what are the terms and conditions?immediatelyDownload the “Hong Kong Economic Times” app for freeinstant feed