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工银美国定期、活期产品任您灵活选择, 利率最高享4.05% APY（Annual Percentage Yield）。
ICBC (USA) offers both CD and demand deposit products, with Annual Percentage Yield up to 4.05% APY.
存款优惠活动
定存利率 CD Rate
|
期限 Term |
起存金额 Minimum Deposit |
年利率 （APY*） |
|
3个月 3-Month |
$10,000 |
4.05% |
|
6个月 6-Month |
$10,000 |
3.95% |
*此优惠自2024年11月19日起生效，仅限于工银美国活期存款账户的客户。年溢率变化将不另行通知。提前取款需支付罚金，产生的费用会减少收益。具体适用条件可详询，工银美国对本次活动拥有最终解释权。
Above promotion is effective from 11/19/2024. Only ICBC (USA)'s Demand Deposit Customers are eligible for this offer. APYs are subject to change without notice. Early withdrawal penalty may apply. Penalty and fees could reduce account earnings. Restrictions may apply. ICBC (USA) NA has the final interpretation of this event.
活期利率 Demand Deposit Rate
高级存款账户组合是指开立一个支票账户作为主账户，另开立并关联高级货币市场存款账户。高级货币市场存款账户最低日终余额保持在$25,000或以上可享受高利率和额外福利，包括但不限于:
The Premier Package requires opening a new Checking Account as the Primary Account, and linking a Premier Money Market Deposit Account. It also requires a minimum daily balance of $25,000 or above in Premier Money Market Deposit account to earn high interest rate and extra benefit, including but not limit:
免月服务费 No monthly service charges
免汇入汇款手续费 No incoming wire trasnfer fees
免自动提款机手续费 No ATM Fees
高级货币市场优惠利率账户日终余额大于等于$25,000，可享年溢率3.50% APY**。
For daily balances of $25,000 and more, enjoy 3.50% APY** in your Promotional Premier Money Market Deposit account.
交易限制Transaction Limitations：
每个对账单周期内高级储蓄账户或者高级货币市场存款账户转账和取现不能超过6次，否则之后的每笔交易将会被收取$15。如果您频繁超出6次交易限制，我们将会把您的账户改为其他账户类型。
You may make no more than six transfers and withdrawals from both Premier Saving and Premier Money Market Accounts per each statement cycle. Any activity fee of $15 will be charged for each transaction that exceeds the 6-transfer/withdrawal limit. If you frequently exceed the 6-transfer/withdrawal limit, we will convert your account to another type of account.
**上述年溢率仅适用于高级货币市场优惠利率账户。上述优惠利率于2024年11月19日起生效，优惠利率结束后将转为标准的高级货币市场存款账户且以转换时的银行利率为准。开立组合账户要求最低存款额为$25,000。日终余额保持$25,000或以上可享上述利率和更多福利。日均余额不满足最低存款要求则会被收取月服务费。产生的费用可能会减少收益。利率是浮动的且可能会调整。工银美国有最终解释权和随时更改条款的权利。其他限制条款请咨询各分行。
Above APY applies to Promotional Premier Money Market Account. The promotion will be effective from 11/19/2024 and end at the bank’s discretion, the account will convert to our standard Premier Money Market Account at the Bank’s current rates at the time of account conversion. Minimum deposit of $25,000 is required to open the package. Maintain minimum daily balance of $25,000 to earn above interest rates and extra benefits. A monthly maintenance fee may apply if average daily balance is not maintained. Fees may reduce earnings. Interest rates are variable and subject to change. ICBC (USA) reserves the rights to explain or change the terms at any time. Restrictions may apply.
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