CNY 100K in 3-Year Fixed Deposit Now Earns Only CNY 3,750: How to Rewrite Your 2026 Deposit SOP
In June 2026, the headline 3-year fixed deposit rate at China's big-six state banks is just 1.25%, so CNY 100,000 only earns CNY 3,750 over 3 years. This article organizes the real rate landscape across six bank categories (state banks / joint-stock banks / city commercial banks / large CDs), provides four decision rules: only consider high rates at small banks within the CNY 500,000 insurance limit, don't lock in 3 years if you're not sure, above CNY 200,000 ask about large CDs first, and split the same money across different maturity dates. Plus, it breaks down three common pitfalls—auto-renewal eating your rate, early partial withdrawal forcing current-account calculation, 5-year terms being a trap—and finally explains why deposit rates will likely fall another 25-50 bps in the next 12-18 months.