---
title: "Once again, \"long-term deposits with low interest\"! Multiple banks have inverted deposit interest rates"
description: "In the era of low interest rates, the phenomenon of inverted interest rates for fixed deposits has become increasingly common, leading to the situation where \"saving for five years is not as good as s"
type: "news"
locale: "en"
url: "https://longbridge.com/en/news/240665981.md"
published_at: "2025-05-17T06:56:51.000Z"
---

# Once again, "long-term deposits with low interest"! Multiple banks have inverted deposit interest rates

> In the era of low interest rates, the phenomenon of inverted interest rates for fixed deposits has become increasingly common, leading to the situation where "saving for five years is not as good as saving for one year." Several banks have adjusted their deposit rates, with some banks offering a 5-year deposit rate lower than the 2-year rate. For example, the 5-year annualized interest rate for the Seagull deposit at Bank of Tianjin is 1.75%, which is lower than the 2-year rate of 1.8%. This phenomenon reflects the trend of narrowing interest margins and increasing operational pressure in the banking industry

In the era of low interest rates, "saving for five years is not as good as saving for one year" is becoming increasingly common. On May 12, Bank of Tianjin announced an adjustment to the interest rates of its Seagull Deposit and Happiness Deposit products, stating that starting from May 13, the annualized interest rates for the 2-year, 3-year, and 5-year Seagull Deposit products will be 1.8%, 2%, and 1.75%, respectively. Among them, the annualized interest rate for the 2-year Seagull Deposit has been raised by 5 basis points compared to before the adjustment, while the 3-year and 5-year rates have been lowered by 5 and 30 basis points, respectively. A comparison by reporters found that the annual interest rate for the 5-year Seagull Deposit product not only saw a significant reduction but also, after the adjustment, the annualized interest rate is now lower than that of the 2-year product of the same type. This is not an isolated case; in the latest round of interest rate adjustments by commercial banks in various regions, the situation of "long-term deposits yielding less" is frequently observed. (Securities Times)

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> **Disclaimer**: This article is for reference only and does not constitute any investment advice.