Sou Hu Cai Jing·2025-08-08 00:19Core Viewpoint - The article provides a detailed analysis of the five-year fixed deposit interest rates offered by Agricultural Bank of China as of August 7, 2025, highlighting the potential returns and considerations for investors [1][2]. Summary by Sections Five-Year Fixed Deposit Earnings Calculation - The annual interest rate for a five-year fixed deposit is 1.95%. For an investment of 100,000 RMB, the total interest earned over five years would be 9,750 RMB, calculated using simple interest [1]. Important Considerations - Official vs. Actual Rates: The calculation is based on the official rate, but actual rates may vary by branch. It is essential to confirm the final rate with the bank before making a deposit [1]. - Early Withdrawal Penalties: If funds are withdrawn before the five-year term, interest will be calculated at the lower current savings rate, leading to significant losses [2]. - Interest Rate Fluctuation Risks: Choosing a five-year term locks in the interest rate, protecting against potential future declines [4]. - Automatic Renewal Impact: If the deposit is set for automatic renewal, the interest earned will be added to the principal for the next term at the new rate [4]. Comparison with Other Investment Options - Three-Year Fixed Deposit: A hypothetical three-year fixed deposit at 2.0% would yield 6,000 RMB in the first three years, with potential additional earnings if reinvested, but it carries the risk of changing rates upon renewal [5]. - Large Denomination Certificates of Deposit: For amounts starting at 200,000 RMB, these typically offer higher rates than standard fixed deposits [7]. - Savings Bonds: Currently, savings bonds offer rates that may exceed those of fixed deposits, backed by government credit, making them a secure investment option [7]. Recommendations - Investors are advised to confirm the actual interest rates with their local Agricultural Bank branch and to compare various financial products, including three-year fixed deposits, large denomination CDs, and low-risk options like government bonds, to find the best fit for their financial needs [6][7].