银行存款利率计算公式1.定期利息计算公式利息=本金×利率×存款期限假设小吴在北京银行存款10000元,存款期限为1年,那么按照目前北京银行一年期存款利率2.03%计算,一年到期后,小吴可获得利息为:10000×2.03%×1=203元。2.活期利息计算公式利息=累计计息积数×日利率日利率=年利率/360天累计计息积数=每日余额合计数积数计息法按照实际天数计算利息假设小吴在北京银行存款10000元,存款期限为30天月,那么按照目前北京银行一年期存款利率0.35%计算,小王30天后可获得利息为2.88。各银行存款利率表银行活期(%)整存整取3个月(%)6个月(%)一年(%)二年(%)三年(%)五年(%)北京银行0.351.511.772.032.53.153.15渤海银行0.351.51.7522.653.253工商银行0.31.351.551.752.252.752.75光大银行0.31.51.7522.412.753广发银行0.31.51.7522.43.13.2恒丰银行0.351.431.691.952.53.13.1华夏银行0.31.51.7522.43.13.2建设银行0.31.351.551.752.252.752.75江苏银行0.351.41.671.922.523.13.15交通银行0.31.351.551.752.252.752.75民生银行0.31.51.7522.4533南京银行0.351.41.651.92.523.153.3宁波银行0.351.51.752.032.63.13.3农业银行0.31.351.551.752.252.752.75平安银行0.31.51.7522.52.82.8浦发银行0.31.51.7522.42.82.8上海农商行0.351.571.812.12.413.133.13上海银行0.351.51.7522.42.752.75兴业银行0.31.51.7522.753.23.2邮储银行0.31.351.561.782.252.752.75