The total interest due for 20,000 yuan in lump sum for two years is: 20,000 yuan in 900 yuan and 450 yuan for three years, 65,438 yuan+0,650 yuan, 20,000 yuan in 550 yuan for five years and 2,750 yuan in 550 yuan.

The actual listing interest rates of postal savings banks in Shanghai, Guangzhou, Shenzhen and other cities may be different in each city:

Shanghai: Current account is 0.30, 3 months 1.43, 6 months 1.82, 1 year 2. 10, 2 years 3. 15, 3 years 4. 13. 2.94 in 2 years, 3.58 in 3 years and 3.85 in 5 years Shenzhen: current account 0.30, 3 months 1.65, 6 months 1.95, 1 2.25 in 2 years, 3 years15, 3 years 4. 1 year 2. 10, 2.94 years, 2.75 years, 3.85 years Chengdu: current account 0.30, 3 months 1.43, 6 months 1.69, 1 year/. 6 months 1.82, 1 year 2. 10, 2 years 2.73, 3 years 2.75, 5 years 3.58 Jinan: current account 0.30, 3 months 1.54 and 6 months 1.