银行存款新利息，2026年02月20日，各大银行定期存款最新利息，大额存利息

Group 1: Core Insights - The article focuses on the current deposit interest rates offered by various banks, particularly for fixed-term deposits and large-denomination certificates of deposit [1][5] - It emphasizes the importance of understanding these rates for conservative investors seeking stable returns [1] Group 2: Fixed-Term Deposits - Fixed-term deposits, known as "整存整取," allow customers to deposit a lump sum for a predetermined period, with interest calculated based on the agreed rate [1] - Minimum deposit amount for fixed-term deposits is 50 RMB, with terms ranging from three months to five years [1] - Example rates from banks include: - China Construction Bank: 10,000 RMB for one year yields approximately 950 RMB [1] - Agricultural Bank: 30,000 RMB for three years yields approximately 1,125 RMB [3] - Industrial and Commercial Bank: 20,000 RMB for five years yields approximately 1,300 RMB [4] Group 3: Large-Denomination Certificates of Deposit - Large-denomination certificates of deposit require a higher minimum deposit but offer relatively higher interest rates, suitable for investors with substantial funds [5] - Minimum deposit for these certificates is 200,000 RMB, with terms available from one month to five years [7] - Example rates from banks include: - China Construction Bank: 200,000 RMB for one year yields approximately 2,400 RMB [7] - Agricultural Bank: 100,000 RMB for one year yields approximately 24,000 RMB [8] - Industrial and Commercial Bank: 500,000 RMB for one year yields approximately 120,000 RMB [10]