According to the central bank's latest financial data, as of the end of march 2026, the country had a total of rmb 17,409 trillion in deposits, with a per capita deposit of approximately rmb 1244,000, and the population's “saving heat” continued to rise. For those in nanjing, the choice of banks is key to maximizing interest on free money. In conjunction with the update of interest rate data for 24 banks in nanjing in april 2026, interest rates in the nanjing deposit market are now clearly divided, with private banks, agribusinesses leading the way, and state-owned banks having lower interest rates, with different banks having a maximum difference of one or more times over the same period。
I. Interest rate ladders: who is the nanjing interest rate ceiling
Reconcile the interest rate data of 24 banks in nanjing (state-owned, shareholding, city comptoir, farm comptoir, private) with a clear division of the four main ladders and a clear income gap:
First platoon: private banks + agribusiness. The 7-day notice deposit rate at sbo was 1. 05 per cent, the highest for all banks; the three-year and one-year term deposit rate was 1. 95 per cent and 1. 5 per cent. The value of the three-month, six-month and one-year fixed-term interest rates is high, at 1. 10 per cent, 1. 3 per cent and 1. 40 per cent, respectively, and at 1. 82 per cent over a three-year period, with the firm at the forefront。
Second platoon: city comptoir. In the 7-day notice deposit of 0. 85 per cent, the fixed-term interest rate for the three months to the five-year period was 1. 10 per cent to 1. 75 per cent, followed by the bank of jiangsu and nanjing with a fixed-term interest rate of up to 1. 80 per cent for the three-year period, which is 0. 45 percentage points higher than the partial equity bank。
Third platoon: equity bank. Interest rates vary widely, with the most excellent performance by the hengfeng bank, with a fixed-term interest rate of 1. 80 per cent for a three-year period starting with 10,000 yuan; a fixed-term interest rate of 1. 80 per cent for a five-year period starting with 10,000 yuan for a five-year period; and a small difference between the general fixed-term interest rate and the size of the state-owned bank for a part-share bank, such as a bank for commercial purposes and a bank for open-air banking。
Fourth platoon: there are six branches in the country. Interest rates were generally low, ranging from 0. 35 per cent for one day to 0. 65 per cent for seven days for notification deposits, to only 0. 10 per cent for transport banks and 0. 30 per cent for transport banks; regular interest rates for three-year periods were generally at 1. 25 per cent to 1. 55 per cent。
Ii. Bank selection on demand: how can different durations be most cost-effective
In combination with the specific interest rates of 24 banks, by duration and amount of funds, nanjing savers are recommended as follows:
Short-term idle money (within one year): notifying deposits to swi (1. 05 per cent of 7 days), selecting the swi banks on a regular basis for three months and six months (1. 10 per cent and 1. 3 per cent), giving priority to swi banks on a regular basis for a one-year period (up to 1. 50 per cent), saving 100,000 yuan for a year, making 400 yuan more than the maximum value of a state-owned bank。
Medium-term and long-term idle money (2-3 years): 3-year top-selection bank (1. 95 per cent) with interest of up to $585 million for 3 years, which is $2,100 more than the state-owned bank (1. 25 per cent); 2-year top-selection bank (1. 70 per cent) for sioux commercial banks (1. 65 per cent), with a clear yield advantage。
It is worth mentioning that deposits of up to $500,000 are covered by deposit insurance, which can be secured by high interest banks such as the sioux commercial bank and the purple farmer's bank. In order to avoid long-term blind storage, most banks do not have significantly higher interest rates than the three-year period, e. G. Nanjing bank has a maximum of 1. 80 per cent for three years and 1. 60 per cent for five years, giving preference to a more flexible three-year period. At the same time, attention should be paid to the threshold of 100, 1,000 or 10,000 yuan for some high-interest products, which would be more cost-effective if needed to achieve a “stable value addition” for idle money。
