Schwa1995 : 6.99% (slightly different from product to product) is the agreed interest rate for first-time purchasers (usually 2-4%). Domestic account opening also has the same policy, and generally takes no more than a month, and there is an upper limit on the amount.
It is recommended that you can buy US dollar bonds directly for fixed investment. At least there will be a wave of market conditions before interest rates are cut