Sou Hu Cai Jing·2025-12-27 10:13Core Viewpoint - The choice of bank for three-year fixed deposits among China Construction Bank (CCB), Postal Savings Bank (PSB), and rural commercial banks (RCBs) depends on individual preferences for safety and yield, with RCBs currently offering the highest interest rates [1] Interest Rates Comparison - CCB and PSB both offer a three-year fixed deposit interest rate of 1.25%, resulting in a total interest income of 3,750 yuan for a deposit of 100,000 yuan over three years [4] - PSB provides an upgraded interest rate of 1.55% for deposits of 50,000 yuan or more, yielding 4,650 yuan for a 100,000 yuan deposit over three years, which is 900 yuan more than CCB [4] - Some RCBs offer a three-year fixed deposit interest rate of 1.70% and a rate of 1.75% for large deposits, leading to an interest income of 5,100 yuan for a 100,000 yuan deposit, which is 1,350 yuan more than CCB [6] Safety Considerations - The safety of deposits in CCB and PSB is significantly higher than that of RCBs, as they are part of the six major state-owned banks [6] - It is crucial for depositors to ensure that the RCB they choose participates in deposit insurance, which provides compensation in case of bank failure [8] - Depositors should limit their total deposits and interest in any RCB to 500,000 yuan to ensure full compensation in the event of a bank collapse [8] Alternative Investment Options - The current interest rates for three-year government bonds are 1.85% and 1.90% for five-year bonds, which exceed the rates offered by most three-year fixed deposits [8] - Government bonds also allow for interest calculation based on the nearest fixed deposit rate, providing flexibility for depositors who may need to access their funds early [8] Conclusion - RCBs offer the highest interest rates for three-year fixed deposits, but their safety is lower compared to CCB and PSB. Depositors should consider their risk tolerance and whether the RCB participates in deposit insurance before making a decision [10]