In the current low interest rate environment, the search for more profitable deposit products has been the focus of attention for many depositors. In the nanjing region, for example, as of june 2026, the interest rate on bank deposits in nanjing had fully entered the “era 1” and the rate on mainstream products was generally below 2 per cent. However, there are still significant interest rates between banks, and private banks and city comptoirs generally have higher interest rates than state-owned businesses。
I. Interest rate ceiling - sub
As the privately held private bank of jiangsu mainland, which is the leader of nanjing's full-time deposit funds, sok has taken the lead in breaking interest rates of 1. 10 per cent in three months, 1. 40 per cent in six months, 1. 50 per cent in one year, up from 1. 95 per cent in three years, with seven days' notice deposits being equally the best in the city, 1. 05 per cent, far above other banks (0. 3-0. 55 per cent)。
The principal sum of $100,000 is measured at three years: $585 per month of interest due from the sioux commercial bank, and $375 per cent of the interest rate over the three-year period of the state-owned bank, with an additional $2,100 over three years。
Second platoon: nanjing home city comptoir, farmers okay
The interest rate is lower than that of the sioux commercial bank, but is significantly higher than that of the stock and state-owned branches, with the main town and district network being fully covered。
Nanjing bank: a maximum of 1. 35 per cent per year and 1. 80 per cent over a three-year period; $100,000 in interest for three years $5,400 and a balance of short-term, medium-term and long-term deposits。
The value of short-term deposits is high at 1. 10 per cent for three months, 1. 3 per cent for half-year periods and 1. 77 per cent for three years。
Jiangsu bank: 1. 75 per cent in three-year storage, province-wide connectivity, improved online and offline channels, and a balance between earnings and cross-city access。
Third platoon: national share bank (medium yield)
The interest rates of the sino-chinese, sino-sino-japanese, puhai, and guangda stock banks are in the middle of the market, with a one-year average of 1. 15 per cent and a three-year concentration of 1. 30 to 1. 60 per cent. Interest earnings are much lower than those of jiangsu mainland bank and are suitable only for customers with combined financial needs and not simply seeking interest on deposits。
Iv. Fourth platoon: six state-owned businesses (with the lowest interest rate in the city)
The highest level of security recognition and full coverage of the national network is achieved, but the floor of the deposit interest rate is covered by a uniform listing standard of 0. 95-1. 10 per cent for the 1-year period, 1. 05-1. 20 per cent for the 2-year period and 1. 25 per cent for the 3-year period. For the appropriate population group, only large state-owned depositors with low interest rates are recognized。
V. Deposit security: how can financial security be ensured
Many of nanjing's depositors question whether private banks, local agribusinesses, will not be financially secure because of higher interest rates. Here is a uniform description of the security rules for regular bank deposits:
(1) all licensed banks are centrally covered by deposit insurance
The sioux bank of commerce, nanjing bank, purple farmer's bank, jiangsu bank, shareholding bank and the state's six main branches are formal licensed banking and financial institutions authorized by the state financial supervision, all of which are subject to compulsory deposit insurance. Standard bank term, call and call deposits are covered by the guarantee, and the funds are not deposited or covered by the guarantee。
(2) deposit insurance liability limit of $500,000
In the name of a single bank or a single depositor, the principal amount of the foreign currency deposit + interest is guaranteed at a maximum of $500,000. Within half a million, the principal is guaranteed at 100 per cent, irrespective of the formal bank; more than half a million, the funds can be deposited in multiple banks, not more than half a million each, with full access to deposit insurance。
(3) bank type does not change the safe base of deposits line
State-owned, city-owned, agribusiness, private banks with only shareholder background, network size, interest rate pricing, regulatory standards, deposit insurance rules, etc. There is no “state-owned banks are safe and private/farming houses are not safe”, and interest rates are simply a policy of self-management pricing for banks, unrelated to financial security。
(4) distinction between deposits and property and risk avoidance
The type of product must be identified when conducting the business: the term deposit is labelled as “collective taking” as a security deposit; the product is labelled as a financial, structural deposit, fund, insurance, etc., free from deposit insurance; there is a risk of fluctuations in earnings or loss of principal; and the search for zero-risk savings is based on a standard deposit product。
The interest rate on deposits continued to decline in 2026, with a reasonable comparison of the local bank rate with the local savings track, and a combination of deposit insurance rules to decentralize funds and secure them with higher rates。
