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最新！中行、农行、建行、工行陆续上架→
Multiple state-owned major banks have successively listed 5-year large-denomination certificates of deposit, with a minimum deposit of 200,000 yuan and annual interest rates ranging from 1.55% to 1.60%, transferable and partially redeemable before maturity. Follow·
Yesterday·449 words (about 2 min)
AI Summary & Key Points
Summary
CCTV Finance reported that ICBC, CCB, ABC, and Bank of China have successively listed 5-year large-denomination certificate of deposit products, all with a minimum deposit of 200,000 yuan, annual interest rates between 1.55% and 1.60%, and supporting transfer as well as partial early withdrawal. The article lists each bank's listing time and specific rates, showing that state-owned major banks remain highly attractive in a falling interest rate environment and providing depositors with comparable wealth management options.
Main Points
* 1. Multiple state-owned major banks have simultaneously listed 5-year large-denomination CDs, with a uniform minimum deposit of 200,000 yuan.
ICBC, CCB, ABC, and Bank of China all launched the products between July and August, indicating that interest rate policies are converging.
* 2. Product rates are concentrated at 1.55%-1.60%, supporting transfer and partial early withdrawal.
Compared with traditional fixed deposits, this product offers higher liquidity and suits savers with liquidity needs.
* 3. The article details the listing times and specific rates for each bank, providing investors with comparable reference information.
Through timelines and interest rate comparisons, it helps readers quickly grasp market dynamics and make decisions.
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央视财经 2026-08-01 17:58 北京
央视财经记者今天了解到，工商银行 App显示已经上架两款5年期大额存单产品。该两款产品的起存点均为20万元，一款年利率为1.60%，另一款为1.55%，均显示“可转让”“支持部分提前支取”。截至8月1日下午3点，这两款产品均显示尚有超过1000万元的销售额度。
7月10日，建设银行 上架两款5年期个人大额存单，年化利率分别为1.55%和1.60%，起购金额均为20万元。
7月8日，农业银行 上架一款年利率为1.6%的5年期个人大额存单产品，起存金额20万元，目前支持柜面渠道办理。
7月1日，中国银行 推出2026年第一期个人大额存单，覆盖1个月至5年各期限品类，其中5年期大额存单20万元起存，年化利率最高1.60%。 猜你喜欢 ▌本文来源：央视财经（ID：cctvyscj） 你会关注 2家券商，被证监会立案 南部战区发声！ 因凡蒂诺放弃了 黄金市场，成洗钱暗道？！有人被骗近600万元！骗局曝光→ 金融监管总局、央行、证监会、财政部，联合发布 *
监制/柯成韵
主编/李天路
记者/丁冬 吴哲钰 编辑/彭琳
转发关注！
Key Quotes
> ICBC App shows that two 5-year large-denomination CD products have been launched. Both have a minimum deposit of 200,000 yuan; one has an annual interest rate of 1.60% and the other 1.55%, and both display "transferable" and "supporting partial early withdrawal".
> On July 10, CCB launched two 5-year personal large-denomination CDs with annualized interest rates of 1.55% and 1.60%, respectively, each with a minimum purchase amount of 200,000 yuan.
Tags
Bank Deposits
Large-denomination CDs
Interest Rates
State-owned Banks
Financial News
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