2021년 최고의 적금 금리 비교

적금은 소액을 규칙적으로 저축하고 원금과 이자를 축적하여 묵돈을 마련하는 금융상품입니다. 밸류챔피언은 수십 개의 1금융권 은행과 2금융권 저축은행이 제공하는 수백 개의 적금 금리를 비교하여 최고의 적금 상품을 선별했습니다.

최고의 1금융권 단기적금

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Image\" data-eventlabel=\"\uc2a4\ubb34\uc0b4 \uc6b0\ub9ac \uc815\uae30\uc801\uae08\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc2a4\ubb34\uc0b4 \uc6b0\ub9ac \uc815\uae30\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fspot.wooribank.com%252Fpot%252FDream%253Fwithyou%253DPODEP0021%2526cc%253Dc007095%253Ac009166%253Bc012263%253Ac012399%2526PLM_PDCD%253DP010002291%2526PRD_CD%253DP010002291%2526ALL_GB%253D%2526depKind%253DA04\"\u003E\u003Cimg alt=\"\uc2a4\ubb34\uc0b4 \uc6b0\ub9ac \uc815\uae30\uc801\uae08\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/wooribank-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/wooribank-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/wooribank-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate savings_accounts: \uc2a4\ubb34\uc0b4 \uc6b0\ub9ac \uc815\uae30\uc801\uae08 - 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Image\" data-eventlabel=\"KB\ub9c8\uc774\ud54f\uc801\uae08\" rel=\"nofollow noopener\" target=\"_blank\" title=\"KB\ub9c8\uc774\ud54f\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fobank.kbstar.com%252F\"\u003E\u003Cimg alt=\"KB\ub9c8\uc774\ud54f\uc801\uae08\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/kb-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/kb-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/kb-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate savings_accounts: KB\ub9c8\uc774\ud54f\uc801\uae08 - 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Button\" data-eventlabel=\"KB\ub9c8\uc774\ud54f\uc801\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"KB\ub9c8\uc774\ud54f\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fobank.kbstar.com%252F\"\u003E\uae08\ub9ac \ubcf4\uae30 \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate savings_accounts: IBK D-day\uc801\uae08 - Image\" data-eventlabel=\"IBK D-day\uc801\uae08\" rel=\"nofollow noopener\" target=\"_blank\" title=\"IBK D-day\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fmybank.ibk.co.kr%252F%252Fuib%252Fjsp%252Findex.jsp\"\u003E\u003Cimg alt=\"IBK D-day\uc801\uae08\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/ibk-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/ibk-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/ibk-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate savings_accounts: IBK D-day\uc801\uae08 - Button\" data-eventlabel=\"IBK D-day\uc801\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"IBK D-day\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fmybank.ibk.co.kr%252F%252Fuib%252Fjsp%252Findex.jsp\"\u003E\uae08\ub9ac \ubcf4\uae30 \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate savings_accounts: IBK D-day\uc801\uae08 - Image\" data-eventlabel=\"IBK D-day\uc801\uae08\" rel=\"nofollow noopener\" target=\"_blank\" title=\"IBK D-day\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fmybank.ibk.co.kr%252F%252Fuib%252Fjsp%252Findex.jsp\"\u003E\u003Cimg alt=\"IBK D-day\uc801\uae08\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/ibk-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/ibk-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/ibk-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate savings_accounts: IBK D-day\uc801\uae08 - Button\" data-eventlabel=\"IBK D-day\uc801\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"IBK D-day\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fmybank.ibk.co.kr%252F%252Fuib%252Fjsp%252Findex.jsp\"\u003E\uae08\ub9ac \ubcf4\uae30 \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}

재테크의 첫걸음을 내딛는 분이라면 적은 금액을 꾸준히 저축하여 묵돈을 마련하는 적금 상품을 추천해 드립니다. 1년 이하의 단기 적금은 재테크를 시작하는 사회초년생들에게 좋은 첫 단계이고, 만기 기간이 짧아 성취감을 빠르게 느낄 수 있어 저축하는 습관을 들일 수 있다는 장점이 있습니다.

1금융권 최고의 단기적금 이율 비교

적금 상품 중 규칙적으로 납입을 하는 정기적립 상품은 상대적으로 금리가 높아 소득과 지출이 규칙적인 분에게 추천 드리며 반대로 자유적립 상품은 소득이 불규칙적인 프리랜서나 계약직에 종사하고 있는 분에게 적합합니다. 1년 만기 정기적금의 평균금리는 1.79%이며 금리 우대조건을 모두 충족할 경우 선택하는 적금 상품에 따라 최고 3.20%의 금리를 적용받을 수 있습니다.

최고의 1금융권 장기적금 이율비교

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Button\" data-eventlabel=\"\uc8fc\uac70\ub798 \ud504\ub9ac\ubbf8\uc5c4 \uc801\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc8fc\uac70\ub798 \ud504\ub9ac\ubbf8\uc5c4 \uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.knbank.co.kr%252Fib20%252Fmnu%252FFPMREP020101000\"\u003E\uae08\ub9ac \ubcf4\uae30 \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate savings_accounts: \uc2e0\ud55c\uc740\ud589 \uccab\uac70\ub798 \uc138\ubc30\ub4dc\ub9bc \uc801\uae08 - Image\" data-eventlabel=\"\uc2e0\ud55c\uc740\ud589 \uccab\uac70\ub798 \uc138\ubc30\ub4dc\ub9bc \uc801\uae08\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc2e0\ud55c\uc740\ud589 \uccab\uac70\ub798 \uc138\ubc30\ub4dc\ub9bc \uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fbank.shinhan.com%252F\"\u003E\u003Cimg alt=\"\uc2e0\ud55c\uc740\ud589 \uccab\uac70\ub798 \uc138\ubc30\ub4dc\ub9bc \uc801\uae08\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/shinhan-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/shinhan-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/shinhan-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate savings_accounts: \uc2e0\ud55c\uc740\ud589 \uccab\uac70\ub798 \uc138\ubc30\ub4dc\ub9bc \uc801\uae08 - Button\" data-eventlabel=\"\uc2e0\ud55c\uc740\ud589 \uccab\uac70\ub798 \uc138\ubc30\ub4dc\ub9bc \uc801\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc2e0\ud55c\uc740\ud589 \uccab\uac70\ub798 \uc138\ubc30\ub4dc\ub9bc \uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fbank.shinhan.com%252F\"\u003E\uae08\ub9ac \ubcf4\uae30 \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate savings_accounts: \uc2e0\ud55c\uc740\ud589 \uccab\uac70\ub798 \uc138\ubc30\ub4dc\ub9bc \uc801\uae08 - Image\" data-eventlabel=\"\uc2e0\ud55c\uc740\ud589 \uccab\uac70\ub798 \uc138\ubc30\ub4dc\ub9bc \uc801\uae08\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc2e0\ud55c\uc740\ud589 \uccab\uac70\ub798 \uc138\ubc30\ub4dc\ub9bc \uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fbank.shinhan.com%252F\"\u003E\u003Cimg alt=\"\uc2e0\ud55c\uc740\ud589 \uccab\uac70\ub798 \uc138\ubc30\ub4dc\ub9bc \uc801\uae08\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/shinhan-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/shinhan-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/shinhan-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate savings_accounts: \uc2e0\ud55c\uc740\ud589 \uccab\uac70\ub798 \uc138\ubc30\ub4dc\ub9bc \uc801\uae08 - Button\" data-eventlabel=\"\uc2e0\ud55c\uc740\ud589 \uccab\uac70\ub798 \uc138\ubc30\ub4dc\ub9bc \uc801\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc2e0\ud55c\uc740\ud589 \uccab\uac70\ub798 \uc138\ubc30\ub4dc\ub9bc \uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fbank.shinhan.com%252F\"\u003E\uae08\ub9ac \ubcf4\uae30 \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate savings_accounts: \uc6b0\ub9acSUPER\uc8fc\uac70\ub798\uc801\uae08 - Image\" data-eventlabel=\"\uc6b0\ub9acSUPER\uc8fc\uac70\ub798\uc801\uae08\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc6b0\ub9acSUPER\uc8fc\uac70\ub798\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fspot.wooribank.com%252Fpot%252FDream%253Fwithyou%253DPODEP0021%2526cc%253Dc007095%253Ac009166%253Bc012263%253Ac012399%2526PLM_PDCD%253DP010000109%2526PRD_CD%253DP010000109%2526ALL_GB%253D%2526depKind%253DA04\"\u003E\u003Cimg alt=\"\uc6b0\ub9acSUPER\uc8fc\uac70\ub798\uc801\uae08\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/wooribank-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/wooribank-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/wooribank-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate savings_accounts: \uc6b0\ub9acSUPER\uc8fc\uac70\ub798\uc801\uae08 - Button\" data-eventlabel=\"\uc6b0\ub9acSUPER\uc8fc\uac70\ub798\uc801\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc6b0\ub9acSUPER\uc8fc\uac70\ub798\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fspot.wooribank.com%252Fpot%252FDream%253Fwithyou%253DPODEP0021%2526cc%253Dc007095%253Ac009166%253Bc012263%253Ac012399%2526PLM_PDCD%253DP010000109%2526PRD_CD%253DP010000109%2526ALL_GB%253D%2526depKind%253DA04\"\u003E\uae08\ub9ac \ubcf4\uae30 \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate savings_accounts: \uc6b0\ub9acSUPER\uc8fc\uac70\ub798\uc801\uae08 - Image\" data-eventlabel=\"\uc6b0\ub9acSUPER\uc8fc\uac70\ub798\uc801\uae08\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc6b0\ub9acSUPER\uc8fc\uac70\ub798\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fspot.wooribank.com%252Fpot%252FDream%253Fwithyou%253DPODEP0021%2526cc%253Dc007095%253Ac009166%253Bc012263%253Ac012399%2526PLM_PDCD%253DP010000109%2526PRD_CD%253DP010000109%2526ALL_GB%253D%2526depKind%253DA04\"\u003E\u003Cimg alt=\"\uc6b0\ub9acSUPER\uc8fc\uac70\ub798\uc801\uae08\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/wooribank-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/wooribank-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/wooribank-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate savings_accounts: \uc6b0\ub9acSUPER\uc8fc\uac70\ub798\uc801\uae08 - Button\" data-eventlabel=\"\uc6b0\ub9acSUPER\uc8fc\uac70\ub798\uc801\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc6b0\ub9acSUPER\uc8fc\uac70\ub798\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fspot.wooribank.com%252Fpot%252FDream%253Fwithyou%253DPODEP0021%2526cc%253Dc007095%253Ac009166%253Bc012263%253Ac012399%2526PLM_PDCD%253DP010000109%2526PRD_CD%253DP010000109%2526ALL_GB%253D%2526depKind%253DA04\"\u003E\uae08\ub9ac \ubcf4\uae30 \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}

수입과 지출이 안정적이라면 장기적으로 묵돈을 마련하실 수 있는 장기적금이 적합합니다. 정기적립 적금은 단기보다 높은 이율로 큰 묵돈을 모아 주택자금이나 자녀교육자금 등 전략적인 소비계획을 구축할 수 있습니다. 장기 적금은 단기 적금과 비교해 높은 금리를 제공할뿐더러 정기적립 상품을 선택할 경우 장기간 동안 자동적으로 적금이 납입되어 저축을 자동화할 수 있다는 장점이 있습니다.

1금융권 최고의 장기적금 이율 비교

자유적립식 적금 상품은 갑작스럽게 예상하지 못한 지출이 발생해도 매월 납입을 할 필요가 없어 중도해지 위험, 더 나아가 이자를 잃을 걱정이 없습니다. 따라서 예상하지 못한 돈이 들어와도 저축할 수 있는 융통성 있기 때문에 금리가 상대적으로 조금 낮아도 충분히 고려해 볼 만한 가치가 있는 적금상품입니다. 3년 만기 적금의 평균금리는 1.84%이며 현재 제공되고 있는 상품 중 가장 높은 금리를 적용하고 있는 상품은 우대조건을 모두 충족할 경우 최고 3%의 금리를 제공하고 있습니다.

최고의 2금융권 적금

{"items":["\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate savings_accounts: \uc6f0\ubc45 \ub4f1\ub4f1\uc801\uae08 - Image\" data-eventlabel=\"\uc6f0\ubc45 \ub4f1\ub4f1\uc801\uae08\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc6f0\ubc45 \ub4f1\ub4f1\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.welcomebank.co.kr%252Fib20%252Fmnu%252FIBNFPMDSP002%2523wrapper\"\u003E\u003Cimg alt=\"\uc6f0\ubc45 \ub4f1\ub4f1\uc801\uae08\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/welcome-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/welcome-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/welcome-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate savings_accounts: \uc6f0\ubc45 \ub4f1\ub4f1\uc801\uae08 - Button\" data-eventlabel=\"\uc6f0\ubc45 \ub4f1\ub4f1\uc801\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc6f0\ubc45 \ub4f1\ub4f1\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.welcomebank.co.kr%252Fib20%252Fmnu%252FIBNFPMDSP002%2523wrapper\"\u003E\uae08\ub9ac \ubcf4\uae30 \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate savings_accounts: \uc6f0\ubc45 \ub4f1\ub4f1\uc801\uae08 - Image\" data-eventlabel=\"\uc6f0\ubc45 \ub4f1\ub4f1\uc801\uae08\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc6f0\ubc45 \ub4f1\ub4f1\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.welcomebank.co.kr%252Fib20%252Fmnu%252FIBNFPMDSP002%2523wrapper\"\u003E\u003Cimg alt=\"\uc6f0\ubc45 \ub4f1\ub4f1\uc801\uae08\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/welcome-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/welcome-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/welcome-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate savings_accounts: \uc6f0\ubc45 \ub4f1\ub4f1\uc801\uae08 - Button\" data-eventlabel=\"\uc6f0\ubc45 \ub4f1\ub4f1\uc801\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc6f0\ubc45 \ub4f1\ub4f1\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.welcomebank.co.kr%252Fib20%252Fmnu%252FIBNFPMDSP002%2523wrapper\"\u003E\uae08\ub9ac \ubcf4\uae30 \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate savings_accounts: m\uc720\uc9c4 \uc2a4\ub9c8\ud2b8 \uc815\uae30\uc801\uae08 - Image\" data-eventlabel=\"m\uc720\uc9c4 \uc2a4\ub9c8\ud2b8 \uc815\uae30\uc801\uae08\" rel=\"nofollow noopener\" target=\"_blank\" title=\"m\uc720\uc9c4 \uc2a4\ub9c8\ud2b8 \uc815\uae30\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.eugenebank.com%252Fdeposit%252Fgoods.do%253Fgds_cd%253DDB103%2526gds_clss_cd%253DDB\"\u003E\u003Cimg alt=\"m\uc720\uc9c4 \uc2a4\ub9c8\ud2b8 \uc815\uae30\uc801\uae08\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/eugene-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/eugene-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/eugene-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate savings_accounts: m\uc720\uc9c4 \uc2a4\ub9c8\ud2b8 \uc815\uae30\uc801\uae08 - Button\" data-eventlabel=\"m\uc720\uc9c4 \uc2a4\ub9c8\ud2b8 \uc815\uae30\uc801\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"m\uc720\uc9c4 \uc2a4\ub9c8\ud2b8 \uc815\uae30\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.eugenebank.com%252Fdeposit%252Fgoods.do%253Fgds_cd%253DDB103%2526gds_clss_cd%253DDB\"\u003E\uae08\ub9ac \ubcf4\uae30 \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate savings_accounts: m\uc720\uc9c4 \uc2a4\ub9c8\ud2b8 \uc815\uae30\uc801\uae08 - Image\" data-eventlabel=\"m\uc720\uc9c4 \uc2a4\ub9c8\ud2b8 \uc815\uae30\uc801\uae08\" rel=\"nofollow noopener\" target=\"_blank\" title=\"m\uc720\uc9c4 \uc2a4\ub9c8\ud2b8 \uc815\uae30\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.eugenebank.com%252Fdeposit%252Fgoods.do%253Fgds_cd%253DDB103%2526gds_clss_cd%253DDB\"\u003E\u003Cimg alt=\"m\uc720\uc9c4 \uc2a4\ub9c8\ud2b8 \uc815\uae30\uc801\uae08\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/eugene-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/eugene-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/eugene-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate savings_accounts: m\uc720\uc9c4 \uc2a4\ub9c8\ud2b8 \uc815\uae30\uc801\uae08 - Button\" data-eventlabel=\"m\uc720\uc9c4 \uc2a4\ub9c8\ud2b8 \uc815\uae30\uc801\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"m\uc720\uc9c4 \uc2a4\ub9c8\ud2b8 \uc815\uae30\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.eugenebank.com%252Fdeposit%252Fgoods.do%253Fgds_cd%253DDB103%2526gds_clss_cd%253DDB\"\u003E\uae08\ub9ac \ubcf4\uae30 \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate savings_accounts: \uc815\uae30\uc801\uae08 - Image\" data-eventlabel=\"\uc815\uae30\uc801\uae08\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc815\uae30\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.pepperbank.kr%252Fdeposite%252Fproduct.do%253Fsub_category%253D2\"\u003E\u003Cimg alt=\"\uc815\uae30\uc801\uae08\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/pepper_sb-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/pepper_sb-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/pepper_sb-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate savings_accounts: \uc815\uae30\uc801\uae08 - Button\" data-eventlabel=\"\uc815\uae30\uc801\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc815\uae30\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.pepperbank.kr%252Fdeposite%252Fproduct.do%253Fsub_category%253D2\"\u003E\uae08\ub9ac \ubcf4\uae30 \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate savings_accounts: \uc815\uae30\uc801\uae08 - Image\" data-eventlabel=\"\uc815\uae30\uc801\uae08\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc815\uae30\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.pepperbank.kr%252Fdeposite%252Fproduct.do%253Fsub_category%253D2\"\u003E\u003Cimg alt=\"\uc815\uae30\uc801\uae08\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/pepper_sb-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/pepper_sb-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/pepper_sb-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate savings_accounts: \uc815\uae30\uc801\uae08 - Button\" data-eventlabel=\"\uc815\uae30\uc801\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc815\uae30\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.pepperbank.kr%252Fdeposite%252Fproduct.do%253Fsub_category%253D2\"\u003E\uae08\ub9ac \ubcf4\uae30 \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate savings_accounts: \uc815\uae30\uc801\uae08 - Image\" data-eventlabel=\"\uc815\uae30\uc801\uae08\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc815\uae30\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.shinhansavings.com%252Facprd_0001A_02.act\"\u003E\u003Cimg alt=\"\uc815\uae30\uc801\uae08\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/shinhansb-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/shinhansb-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/shinhansb-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate savings_accounts: \uc815\uae30\uc801\uae08 - Button\" data-eventlabel=\"\uc815\uae30\uc801\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc815\uae30\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.shinhansavings.com%252Facprd_0001A_02.act\"\u003E\uae08\ub9ac \ubcf4\uae30 \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate savings_accounts: \uc815\uae30\uc801\uae08 - Image\" data-eventlabel=\"\uc815\uae30\uc801\uae08\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc815\uae30\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.shinhansavings.com%252Facprd_0001A_02.act\"\u003E\u003Cimg alt=\"\uc815\uae30\uc801\uae08\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/shinhansb-1\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/shinhansb-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/loans\/shinhansb-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate savings_accounts: \uc815\uae30\uc801\uae08 - Button\" data-eventlabel=\"\uc815\uae30\uc801\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc815\uae30\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.shinhansavings.com%252Facprd_0001A_02.act\"\u003E\uae08\ub9ac \ubcf4\uae30 \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}

2금융권 저축은행은 생소할 수 있지만 높은 금리와 낮은 리스크로 고객을 유치하고 있어 생소함을 뛰어넘을 수 있다면 좋은 재테크 수단이 될 수 있습니다. 저축은행은 1금융권 은행보다 상대적으로 리스크가 많다는 인식이 있어 더 높은 금리를 제공하지만 2금융권의 적금상품들도 1금융권처럼 원금과 이자를 합친 5000만 원 까지 예금보험공사의 보호를 받기 때문에 사실상 리스크는 없습니다.

2금융권 최고의 적금 금리 비교 차트

2금융권의 평균 적금 이율은 1금융권보다 현저히 높은 2.71%이며, 현재 제공되고 있는 가장 높은 금리는 우대조건을 모두 충족할 경우 6%나 되기 때문에 꼭 고려해야 하는 금융권입니다. 예금보험공사의 보호를 받기 때문에 1금융권보다 리스크가 높지 않을뿐더러 예금보험은 저축은행마다 적용되기 때문에 여러 저축은행으로 분산하여 모든 리스크를 최소화할 수 있습니다.

자주묻는질문

자신에게 최적인 적금상품을 찾으려면 자신의 소득과 지출 성향을 알고 계셔야 합니다. 소득이 규칙적인지 아닌지, 충동적인 구매를 하지는 않는지, 그리고 미래 어떤 소비계획을 가졌는지 안다면 올바른 상품을 고르실 수 있습니다. 예를 들어 소득이나 지출이 불규칙적이라면 융통성과 유동성이 높은 단기적, 자유적립 상품이 알맞습니다. 반대로 소득과 지출이 규칙적이면 장기적으로 높은 금리를 최대한 활용할 수 있는 장기적, 정기적립 상품이 효율적입니다.
적금은 소액을 매달 저축하여 이자와 함께 묵돈을 마련하는 금융상품입니다. 예금은 이미 가지고 있는 묵돈을 예치 시켜 만기 이자을 버는, 묵돈을 굴리는 상품입니다. 아직 큰 자산이 없는 분들에겐 적금을 들어 묵돈을 만드는 첫 단계를 추천 드립니다.
1금융권에는 모두에게 익숙한 시중은행(국민, 하나, 신한, 우리)과 더불어 특수은행과 지방은행을 포함한 18개 은행을 일컫습니다. 보통, 1금융권 은행들보다 작은 2금융권 저축은행들은 고객을 유치하기 위하여 더 높은 금리를 제공하지만, 저축은행들도 예금보험공사의 보호를 받기 때문에 리스크에 큰 차이는 없으니, 편의성을 고려하시고 구매하시는 게 좋습니다.
1년 상품, 신규가입 시 묵돈을 예치하여 총납입액이 1년 이자를 받는 예금과는 다르게 적금의 이자는 다른 방법으로 책정됩니다. 예를들어 첫달의 가입액만 1년 이자를 받고 2번째 월 납입액은 11개월간의 이자, 3번째 월 납입액은 10개월의 이자를 받는 등, 이자가 계속 줄어듭니다. 그 때문에 적금의 금리가 생각했던 것보다 적을 수 있습니다. 제품 구매전에 꼭 이자 계산기로 이자소득이 어떻게 되는지 확인하는 것을 권장드립니다.
조동우 Roy Cho

조동우 (Roy Cho) 애널리스트는 정기예금, 적금, 그리고 P2P금융등의 투자상품과 플랫폼 분석 업무를 담당하고 있습니다. 밸류챔피언에서 근무하기 전에는 미국 로스앤젤레스의 USC에서 경제학 석사학위를 취득하였습니다.