3年期定期存款年利率3%，存大额还可报销路费？ “存款特种兵”需防范多种风险

Core Viewpoint - Recent trends show that medium to long-term bank deposit rates are approaching the "1 era," with rates for 5-year deposits around 1.55%-1.6% and 3-year deposits ranging from 1.5% to 2.15% [1][5]. Group 1: High-Interest Deposit Trends - The term "deposit special forces" refers to individuals traveling across regions to open bank accounts with higher interest rates [2]. - Social media platforms have seen a resurgence of posts about "high-interest deposits" and "deposit special forces," with users inquiring about rates above 2.8% for 5-year deposits [5]. - A user reported successfully securing a 3-year deposit at a rate of 2.6%, which could yield an additional 900 yuan compared to the 2.15% rate for a 200,000 yuan deposit over one year [5]. Group 2: Risks and Considerations - A self-identified bank employee claimed a 3-year deposit rate of 3%, suggesting that smaller banks may offer higher rates to attract customers [5][15]. - However, experts caution that such high rates are rare and may be limited-time offers targeting specific customer groups [15]. - There are concerns regarding the legitimacy of online offers, with potential risks of high-interest solicitation and third-party "interest subsidies," which could lead to regulatory issues and impact deposit returns [16].