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Best 6-month time deposit rates in China
Best 6-month rate per provider for a 50,000 CNY deposit, open to any customer, read from each bank's website. Last checked 18 Oct 2026, 05:37 UTC.
| Bank | Rate p.a. | Tenure | Deposit | Details | Link |
|---|---|---|---|---|---|
| Postal Savings Bank of China (中国邮政储蓄银行)整存整取 Time Deposit | 0.86%≈ 215 CNY in 6 months | 6 months | Not stated | Board rate | Go to bank |
| China Construction Bank (中国建设银行)整存整取 Time Deposit | 0.85%≈ 213 CNY in 6 months | 6 months | Not stated | Board rate | Go to bank |
| China Merchants Bank (招商银行)整存整取 Time Deposit (RMB) | 0.85%≈ 213 CNY in 6 months | 6 months | Not stated | Board rate | Go to bank |
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Deposit protection: Deposit Insurance (存款保险条例)
Limit500,000 CNY
Deposit insurance pays up to RMB 500,000 per depositor per insured institution, principal and interest combined (Deposit Insurance Regulations, Article 5, in force since 1 May 2015). Source, checked 2026-10-18.
We're a comparison service, not a bank: we don't take deposits. Rates change without notice; verify with the bank before you deposit. Not financial advice.