.3%。 The deposit interest rate of rural commercial banks has risen by 2%-55% on the basis of the benchmark interest rate. The annual interest rate of demand deposits of rural commercial banks is .3%, and the fixed deposits are 1.4% for three months and 1.56% for half a year. Commercial bank, abbreviated as CB in English, is a type of bank, whose duty is to act as a financial institution of credit intermediary through deposits, loans, remittances and savings.