The loan interest rate of rural credit cooperatives fluctuates according to the benchmark interest rate of central bank loans of 202 1. The benchmark interest rate of central bank loans is as follows: 1. Short-term loans If the loan term is six months (including six months), the annual interest rate of the loan is 4.35%; If the loan term is from six months to one year (including one year), the annual interest rate of the loan is 4.35%; Second, medium and long-term loans. If the loan term is one to three years (including three years), the annual interest rate of the loan is 4.75%; If the loan term is three to five years (including five years), the annual interest rate of the loan is 4.75%; If the loan term is more than five years, the annual interest rate of the loan is 4.9%.