2026年起，定期存款记住“3不存”，否则利息可能减半！

Group 1 - The deposit market is experiencing significant changes as 2026 approaches, with a warning for consumers to be cautious about fixed-term deposits [1] - The traditional belief that longer deposit terms yield higher interest rates is no longer valid, as many major banks are showing inverted interest rates [3][4] - Fixed-term deposits for 5 years are yielding 0.2%-0.3% lower interest than those for 3 years, leading to potential liquidity issues and significant losses if funds are withdrawn early [4] Group 2 - Many high-interest products offered by banks are actually "pseudo-fixed" deposits, often bundled with insurance and wealth management features, which can lead to high penalties for early withdrawal [5] - Consumers are advised to prioritize local banks with physical branches for safety, as high-interest deposits from smaller banks may be non-compliant with regulations [6] - To maximize safety and returns, it is recommended to split large deposits across different banks to ensure full insurance coverage and to manually monitor interest rates for better returns instead of relying on automatic renewals [7][8] Group 3 - The "3 no deposit" principle should be remembered to avoid hidden traps, ensuring that idle funds can achieve maximum returns while maintaining safety [9]