In the past two years, affected by the economic environment, the interest rate of bank deposits has been declining. 20 19 bank deposit interest rate reached 6%. Third, it is now generally below 4%. The interest rate of state-owned banks even three-year certificates of deposit is only 3.55%. If you want to get high interest, you can only deposit your money in local small and medium-sized banks.

For example, the interest rate of our local rural commercial bank's three-year large deposit certificate has reached 4.05%. Although this deposit interest rate is not the highest among all banks at present, it is quite good. If 1 ten thousand yuan is deposited, the interest will be calculated at the interest rate of 4.05%. The average annual interest will be 40,500 yuan, which is 3,375 yuan per month.

Many people may scoff at putting 1 10,000 yuan in the bank to earn interest, thinking it is stupid, because the deposit interest rate of the bank can't outrun inflation at all, and the longer the money is saved, the less valuable it is. Indeed, money deposit banks can't run away from inflation. There are various financial channels and ways in the market, but none of them can guarantee that they will make money. Every project has risks. Now even if you invest in buying a house, there is a high probability of loss, not to mention other investment and financial management risks are greater.