2018年的存款利率仍然按照2105年10月央行调整利率之后的基准利率,各大银行在此基准利率上浮动程度有所区别。下表就是各大银行的存款利率。(中国人民银行决定,自2015年10月24日起,下调金融机构人民币贷款和存款基准利率,以进一步降低社会融资成本。其中,金融机构一年期贷款基准利率下调0.25个百分点至4.35%;一年期存款基准利率下调0.25个百分点至1.5%;其他各档次贷款及存款基准利率、人民银行对金融机构贷款利率相应调整;个人住房公积金贷款利率保持不变。)
市民需要关注的是,一些银行的官网利率尚未更新,而网点实际执行利率已变,因此,存款比价不要比官网,直接到附近营业网点咨询。
银行一年定期利率二年定期利率三年定期利率五年定期利率1.500%2.100%2.750%-1.750%2.250%2.750%2.750%1.750%2.250%2.750%2.750%1.750%2.250%2.750%2.750%1.750%2.250%2.750%2.750%1.780%2.250%2.750%2.750%1.750%2.250%2.750%2.750%1.750%2.250%2.750%2.750%1.950%2.400%2.750%2.750%1.950%2.410%2.750%3.000%1.950%2.400%2.800%2.800%1.950%2.500%2.800%2.800%2.000%2.400%2.800%3.250%1.950%2.300%2.750%2.750%1.950%2.350%2.800%2.800%1.950%2.400%3.100%3.200%1.950%2.400%3.100%3.200%1.950%2.750%3.200%3.200%1.950%2.500%3.150%3.150%1.950%2.650%3.250%3.000%1.950%2.500%3.100%3.100%1.950%2.500%3.000%3.250%1.950%2.520%3.300%3.600%2.025%2.520%3.025%3.250%1.900%2.520%3.150%3.300%1.920%2.520%3.100%3.150%1.875%2.520%3.300%3.600%1.950%2.500%3.250%3.250%2.250%2.730%3.300%3.300%2.025%2.835%3.575%3.705%1.95%2.73%3.575%各机构自主定价1.950%2.730%3.570%4.220%2.025%2.520%3.300%3.600%1.950%2.730%3.575%4.500%2.000%2.520%3.300%4.300%2.250%2.800%3.250%3.750%2.100%2.900%3.850%4.000%1.950%2.730%3.575%3.900%