Time Deposit Calculator — China
Calculate your fixed-deposit maturity value and interest in CNY at current rates. No signup, no account needed.
Enter a deposit amount, a rate between 0% and 100%, and a term above zero (up to 50 years) to see results.
Fixed deposit rates in China (2026)
Time deposit rates ≈ 1.5–2.5% p.a. for 1-5 year terms. Large state banks lower; small/regional banks slightly higher. Rates have fallen significantly over the past 3 years.
At around 1.25%, the fixed-deposit rate in China is on the low side by international standards.
Reference figures, ~2026. FD interest is often taxable and rates vary by bank and tenure - verify the current rate before depositing.
Worked example
For every ¥60,000 deposited at 1.25% for 5 years (quarterly compounding):
- Maturity value: ¥63,863
- Interest earned: ¥3,863
Scale to your deposit amount. Longer tenures and higher rates grow the maturity value; compare banks before locking in.
How to get the best fixed-deposit return in China
- Compare several banks - smaller and digital banks often pay more than the big high-street names.
- Ladder your deposits across different tenures so some matures regularly and you can reinvest at new rates.
- Check how often interest compounds; more frequent compounding grows the maturity value.
- Factor in tax on the interest, and compare against short-term government bills or bonds.
A named-bank rate check: China Construction Bank's fixed deposit (2026)
On 20 May 2025, China's major state-owned banks — including China Construction Bank (CCB), ICBC, Bank of China and Agricultural Bank of China — jointly cut RMB deposit rates, as confirmed by CCB's own official announcement and reported the same day by CCTV Finance. The 1-year time deposit rate fell below 1% for the first time, to roughly 0.95%, while 3-year and 5-year rates were cut by 0.25 percentage points to around 1.25% and 1.30% respectively.
This is dramatically lower than this calculator's previous 2%/year default. China has been in a sustained low-rate environment since 2023–2024, with the PBOC guiding banks toward successive deposit-rate cuts to protect lending margins, so 2% materially overstates what a real RMB fixed deposit earns today.
A more realistic example: depositing ¥50,000 in a 3-year fixed deposit at CCB's post-cut rate of 1.25%, compounded annually, grows to ¥51,903.54 — just ¥1,903.54 in interest over three years, versus ¥3,030.19 that a 2% rate would imply for the same deposit and term.
Frequently Asked Questions
How is FD maturity calculated in China?
Maturity = P × (1 + r/4)^(4n) for quarterly compounding, where P is the deposit, r the annual rate and n the years. fin·calc uses this standard method.
What is the current FD rate in China?
As a 2026 reference, fixed-deposit rates are around 1.25% per year, varying by bank and tenure. Time deposit rates ≈ 1.5–2.5% p.a. for 1-5 year terms. Large state banks lower; small/regional banks slightly higher. Rates have fallen significantly over the past 3 years.
Is FD interest taxable in China?
In most countries FD interest is taxable as income; some offer tax-advantaged or senior-citizen options. Check your local rules - the calculator shows the pre-tax maturity value.
Is a fixed deposit safe in China?
Fixed deposits carry no market risk. In China, bank deposits are typically protected by a national deposit-insurance scheme up to a set per-depositor limit. Confirm the current cap and which banks qualify before you deposit. They trade higher safety for lower long-term returns than equities.
Should I choose a fixed deposit or invest instead in China?
A fixed deposit gives a guaranteed return and suits money you cannot afford to risk. Investing targets higher long-term growth but can fall in value. Many people keep an FD for safety and invest separately for growth.
Is 2% a realistic fixed deposit rate in China right now?
No. Following the May 2025 rate cuts confirmed by CCB and other state banks, 1-year RMB fixed deposit rates fell below 1% (around 0.95%) and 3-year rates sit around 1.25%, well under the 2% figure this calculator previously used as a default.
Which banks cut their deposit rates, and when?
China's largest state-owned banks — including China Construction Bank, ICBC, Bank of China, Agricultural Bank of China, Bank of Communications and Postal Savings Bank of China — announced coordinated RMB deposit rate cuts on 20 May 2025, per CCB's own announcement and CCTV Finance's same-day report.
How much interest would ¥50,000 earn in 3 years at China's current 3-year rate?
At a 1.25% annual rate compounded yearly, ¥50,000 grows to about ¥51,903.54 after 3 years — roughly ¥1,903.54 in interest, using A = P(1+r/n)^(nt) with P=50,000, r=0.0125, n=1, t=3.
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Sources
Deposit rates are compiled from each country's central-bank publications and the typical offerings of its major banks, reviewed for 2026 and subject to change — always confirm the current rate with your bank before depositing. See our methodology and editorial policy for how we source and update this data.
Additional sources for this page
China Construction Bank official announcement (20 May 2025): RMB deposit rate adjustment notice. CCTV Finance (20 May 2025): Year's first deposit rate cut — 3-year and 5-year rates cut 0.25 percentage points. See our methodology and editorial policy for how we source and update this data.