2020년 최고의 적금 금리 비교
적금은 소액을 매달 저축하여 이자와 함께 묵돈을 마련하는 금융상품입니다. 밸류챔피언은 18개의 1금융권 은행과 60여개의 2금융권 저축은행이 제공하는 수백개의 금융상품들의 금리, 적금기간, 월납입액 등을 비교하여 최고의 적금 상품을 선별해 보았습니다.
최고의 1금융권 적금
최고의 2금융권 적금
- 최고의 1금융권 단기 적금: - 우리은행, 대구은행 등
- 최고의 1금융권 장기 적금: - 신한은행, 국민은행 등
- 최고의 2금융권 적금: - KB저축은행, 하나저축은행 등
최고의 1금융권 적금
처음으로 재테크를 시작하시는 분이라면 적은 금액을 꾸준히 저축하여 이자와 함께 묵돈을 마련하는 적금을 추천드립니다. 밸류챔피언은 수많은 1금융권 믁돈만들기 상품을 비교하여 만기별로 최고의 상품들을 선정해 봤습니다. 이중 단기적금은 매달 수입과 지출이 불안정 할 수 있는 사회초년생들에게는 좋은 첫 걸음이고, 반대로 수입과 지출이 안정적인 분이라면 장기적으로 묵돈을 마련하실 수 있는 장기적금을 추천합니다.
최고의 1금융권 단기적금
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Button\" data-eventlabel=\"\uc81c\uc8fc\uc740\ud589 jBank \uc800\uae08\ud1b5\uc801\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc81c\uc8fc\uc740\ud589 jBank \uc800\uae08\ud1b5\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.e-jejubank.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: Sh\uc218\ud611\uc740\ud589 Sh\uc633\ub2e4!All\u591a - Image\" data-eventlabel=\"Sh\uc218\ud611\uc740\ud589 Sh\uc633\ub2e4!All\u591a\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Sh\uc218\ud611\uc740\ud589 Sh\uc633\ub2e4!All\u591a\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fsuhyup-bank.com%252F\"\u003E\u003Cimg alt=\"Sh\uc218\ud611\uc740\ud589 Sh\uc633\ub2e4!All\u591a\" 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\/sh-2\" 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\/sh-2 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\/sh-2 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: Sh\uc218\ud611\uc740\ud589 Sh\uc633\ub2e4!All\u591a - Button\" data-eventlabel=\"Sh\uc218\ud611\uc740\ud589 Sh\uc633\ub2e4!All\u591a\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Sh\uc218\ud611\uc740\ud589 Sh\uc633\ub2e4!All\u591a\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fsuhyup-bank.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: Sh\uc218\ud611\uc740\ud589 Sh\uc633\ub2e4!All\u591a - Image\" data-eventlabel=\"Sh\uc218\ud611\uc740\ud589 Sh\uc633\ub2e4!All\u591a\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Sh\uc218\ud611\uc740\ud589 Sh\uc633\ub2e4!All\u591a\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fsuhyup-bank.com%252F\"\u003E\u003Cimg alt=\"Sh\uc218\ud611\uc740\ud589 Sh\uc633\ub2e4!All\u591a\" 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\/sh-2\" 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\/sh-2 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\/sh-2 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: Sh\uc218\ud611\uc740\ud589 Sh\uc633\ub2e4!All\u591a - Button\" data-eventlabel=\"Sh\uc218\ud611\uc740\ud589 Sh\uc633\ub2e4!All\u591a\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Sh\uc218\ud611\uc740\ud589 Sh\uc633\ub2e4!All\u591a\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fsuhyup-bank.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"],"offsetPercentage":20}
| 상품명 | 종류 | 6개월 | 1년 | 월납입액 |
|---|---|---|---|---|
| 우리 WON 모아 적금 | 정기적립 | 4.00% | - | 1천원~30만원 |
| 대구 쓰담쓰담적금 | 자유적립 | - | 3.75% | 10만원~50만원 |
| jBank 저금통적금 | 자유적립 | 3.10% | 3.50% | 1만원~300만원 |
| KB 1코노미 스마트적금 | 정기적립 | 2.10% | 2.50% | 1만원-무제한 |
위 금리는 급여이체, 공과금 자동이체, 일정 거래실적 등, 쉽게 충족할 수 있는 우대금리 조건을 적용한 수치입니다.
재테크의 첫 걸음으론 단기적금이 이상적입니다. 만기가 짧기 때문에 예상치 못 한 일이 생길 확률이 적어 중도해지 리스크도 적고, 적금을 만기 수령하셨다는 성취감도 느껴 일석이조 효과를 거둘 수 있습니다. 우리 WON 모아 적금, 대구은행 쓰담쓰담적금과, jBank 저금통적금은 2년 이상 만기의 상품들보다 더 높은 이자를 제공하는 상품들입니다. 특히 단기적으로 소득이 불안정한 아르바이트생 이시거나 계약직에게는 자유적립식 적금인 jBank 저금통적금을 추천드립니다. 이 상품은 월최저납입한도가 낮고, 월최고납입한도 또한 300만원으로 높으므로, 소득 불안정 하신 분, 소득이 높아 저축금도 높으신 분에게 추천 드립니다. 월저축금이 300만원이 넘는 고소득자분들에겐 이율이 약간 적지만 월최고납입한도가 없는 KB 1코노미 스마트적금을 이용하시는게 제일 효율적일 수 있습니다.
| 적금 | 우대금리 조건 |
|---|---|
| 우리 WON모아 적금 | 마케팅 동의 항목 중 전화(휴대폰)와 SMS모두 동의 후 만기까지 유지한 경우 - 연 0.50% |
| 우리 오픈뱅킹 서비스를 통하여 만기까지 매월 2회이상 우리은행 입출금통장에 입금시 - 연 2.00% | |
| 만기해지시 우리 오픈뱅킹 서비스에 타행계좌가 등록되어 있는 경우 - 연 0.50% | |
| 대구 쓰담쓰담적금 | 예금기간 중 대구은행 계좌를 통한 대구은행 신용카드(체크카드 제외) 결제금액이 이 예금 입금누계 금액의
|
예금기간 중 대구은행 계좌를 통한 대구은행 신용카드(체크 카드 제외) 결제금액이 예금가입일 전날 기준 최근 1년간 대구은행 계좌를 통한 대구은행 신용카드(체크카드 제외) 결제금액보다
| |
| jBank 저금통 적금 |
|
최고의 1금융권 장기적금 이율비교
{"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: \ud558\ub098\uc740\ud589 \uae09\uc5ec\ud558\ub098 \uc6d4\ubcf5\ub9ac \uc801\uae08 - Image\" data-eventlabel=\"\ud558\ub098\uc740\ud589 \uae09\uc5ec\ud558\ub098 \uc6d4\ubcf5\ub9ac \uc801\uae08\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\ud558\ub098\uc740\ud589 \uae09\uc5ec\ud558\ub098 \uc6d4\ubcf5\ub9ac \uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.kebhana.com%252Fcont%252Fmall%252Fmall08%252Fmall0801%252Fmall080102%252F1455929_115157.jsp\"\u003E\u003Cimg alt=\"\ud558\ub098\uc740\ud589 \uae09\uc5ec\ud558\ub098 \uc6d4\ubcf5\ub9ac \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\/hana-3\" 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\/hana-3 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\/hana-3 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: \ud558\ub098\uc740\ud589 \uae09\uc5ec\ud558\ub098 \uc6d4\ubcf5\ub9ac \uc801\uae08 - 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Image\" data-eventlabel=\"\ud558\ub098\uc740\ud589 \uae09\uc5ec\ud558\ub098 \uc6d4\ubcf5\ub9ac \uc801\uae08\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\ud558\ub098\uc740\ud589 \uae09\uc5ec\ud558\ub098 \uc6d4\ubcf5\ub9ac \uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.kebhana.com%252Fcont%252Fmall%252Fmall08%252Fmall0801%252Fmall080102%252F1455929_115157.jsp\"\u003E\u003Cimg alt=\"\ud558\ub098\uc740\ud589 \uae09\uc5ec\ud558\ub098 \uc6d4\ubcf5\ub9ac \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\/hana-3\" 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\/hana-3 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\/hana-3 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: \ud558\ub098\uc740\ud589 \uae09\uc5ec\ud558\ub098 \uc6d4\ubcf5\ub9ac \uc801\uae08 - Button\" data-eventlabel=\"\ud558\ub098\uc740\ud589 \uae09\uc5ec\ud558\ub098 \uc6d4\ubcf5\ub9ac \uc801\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\ud558\ub098\uc740\ud589 \uae09\uc5ec\ud558\ub098 \uc6d4\ubcf5\ub9ac \uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.kebhana.com%252Fcont%252Fmall%252Fmall08%252Fmall0801%252Fmall080102%252F1455929_115157.jsp\"\u003E\uae09\uc5ec\ud558\ub098 \uc6d4\ubcf5\ub9ac\uc801\uae08 \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\uccab\uac70\ub798 \uc138\ubc30\ub4dc\ub9bc \uc801\uae08 \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\uccab\uac70\ub798 \uc138\ubc30\ub4dc\ub9bc \uc801\uae08 \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: KB\uad6d\ubbfc\uc740\ud589 KB\uad6d\ubbfc\ud504\ub9ac\ubbf8\uc5c4\uc801\uae08 - \uc815\uae30\uc801\ub9bd\uc2dd - Image\" data-eventlabel=\"KB\uad6d\ubbfc\uc740\ud589 KB\uad6d\ubbfc\ud504\ub9ac\ubbf8\uc5c4\uc801\uae08 - \uc815\uae30\uc801\ub9bd\uc2dd\" rel=\"nofollow noopener\" target=\"_blank\" title=\"KB\uad6d\ubbfc\uc740\ud589 KB\uad6d\ubbfc\ud504\ub9ac\ubbf8\uc5c4\uc801\uae08 - \uc815\uae30\uc801\ub9bd\uc2dd\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fobank.kbstar.com%252Fquics%253Fpage%253DC016613%2526cc%253Db061496%253Ab061645%2526%2525EC%25259B%2525B9%2525EC%252583%252581%2525ED%252592%252588%2525EC%2525BD%252594%2525EB%252593%25259C%253DDP000428%2526%2525EB%252585%2525B8%2525EB%252593%25259C%2525EC%2525BD%252594%2525EB%252593%25259C%253D00007%2526prcode%253DDP000428\"\u003E\u003Cimg alt=\"KB\uad6d\ubbfc\uc740\ud589 KB\uad6d\ubbfc\ud504\ub9ac\ubbf8\uc5c4\uc801\uae08 - \uc815\uae30\uc801\ub9bd\uc2dd\" 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\uad6d\ubbfc\uc740\ud589 KB\uad6d\ubbfc\ud504\ub9ac\ubbf8\uc5c4\uc801\uae08 - \uc815\uae30\uc801\ub9bd\uc2dd - Button\" data-eventlabel=\"KB\uad6d\ubbfc\uc740\ud589 KB\uad6d\ubbfc\ud504\ub9ac\ubbf8\uc5c4\uc801\uae08 - \uc815\uae30\uc801\ub9bd\uc2dd\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"KB\uad6d\ubbfc\uc740\ud589 KB\uad6d\ubbfc\ud504\ub9ac\ubbf8\uc5c4\uc801\uae08 - \uc815\uae30\uc801\ub9bd\uc2dd\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fobank.kbstar.com%252Fquics%253Fpage%253DC016613%2526cc%253Db061496%253Ab061645%2526%2525EC%25259B%2525B9%2525EC%252583%252581%2525ED%252592%252588%2525EC%2525BD%252594%2525EB%252593%25259C%253DDP000428%2526%2525EB%252585%2525B8%2525EB%252593%25259C%2525EC%2525BD%252594%2525EB%252593%25259C%253D00007%2526prcode%253DDP000428\"\u003EKB\uad6d\ubbfc\ud504\ub9ac\ubbf8\uc5c4\uc801\uae08 \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: KB\uad6d\ubbfc\uc740\ud589 KB\uad6d\ubbfc\ud504\ub9ac\ubbf8\uc5c4\uc801\uae08 - \uc815\uae30\uc801\ub9bd\uc2dd - Image\" data-eventlabel=\"KB\uad6d\ubbfc\uc740\ud589 KB\uad6d\ubbfc\ud504\ub9ac\ubbf8\uc5c4\uc801\uae08 - \uc815\uae30\uc801\ub9bd\uc2dd\" rel=\"nofollow noopener\" target=\"_blank\" title=\"KB\uad6d\ubbfc\uc740\ud589 KB\uad6d\ubbfc\ud504\ub9ac\ubbf8\uc5c4\uc801\uae08 - \uc815\uae30\uc801\ub9bd\uc2dd\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fobank.kbstar.com%252Fquics%253Fpage%253DC016613%2526cc%253Db061496%253Ab061645%2526%2525EC%25259B%2525B9%2525EC%252583%252581%2525ED%252592%252588%2525EC%2525BD%252594%2525EB%252593%25259C%253DDP000428%2526%2525EB%252585%2525B8%2525EB%252593%25259C%2525EC%2525BD%252594%2525EB%252593%25259C%253D00007%2526prcode%253DDP000428\"\u003E\u003Cimg alt=\"KB\uad6d\ubbfc\uc740\ud589 KB\uad6d\ubbfc\ud504\ub9ac\ubbf8\uc5c4\uc801\uae08 - \uc815\uae30\uc801\ub9bd\uc2dd\" 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\uad6d\ubbfc\uc740\ud589 KB\uad6d\ubbfc\ud504\ub9ac\ubbf8\uc5c4\uc801\uae08 - \uc815\uae30\uc801\ub9bd\uc2dd - Button\" data-eventlabel=\"KB\uad6d\ubbfc\uc740\ud589 KB\uad6d\ubbfc\ud504\ub9ac\ubbf8\uc5c4\uc801\uae08 - \uc815\uae30\uc801\ub9bd\uc2dd\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"KB\uad6d\ubbfc\uc740\ud589 KB\uad6d\ubbfc\ud504\ub9ac\ubbf8\uc5c4\uc801\uae08 - \uc815\uae30\uc801\ub9bd\uc2dd\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fobank.kbstar.com%252Fquics%253Fpage%253DC016613%2526cc%253Db061496%253Ab061645%2526%2525EC%25259B%2525B9%2525EC%252583%252581%2525ED%252592%252588%2525EC%2525BD%252594%2525EB%252593%25259C%253DDP000428%2526%2525EB%252585%2525B8%2525EB%252593%25259C%2525EC%2525BD%252594%2525EB%252593%25259C%253D00007%2526prcode%253DDP000428\"\u003EKB\uad6d\ubbfc\ud504\ub9ac\ubbf8\uc5c4\uc801\uae08 \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: \ud558\ub098\uc740\ud589 \ub298~ \ud558\ub098\uc801\uae08 - Image\" data-eventlabel=\"\ud558\ub098\uc740\ud589 \ub298~ \ud558\ub098\uc801\uae08\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\ud558\ub098\uc740\ud589 \ub298~ \ud558\ub098\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.kebhana.com%252Fcont%252Fmall%252Fmall08%252Fmall0801%252Fmall080102%252F1419674_115157.jsp\"\u003E\u003Cimg alt=\"\ud558\ub098\uc740\ud589 \ub298~ \ud558\ub098\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\/hana-3\" 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\/hana-3 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\/hana-3 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: \ud558\ub098\uc740\ud589 \ub298~ \ud558\ub098\uc801\uae08 - Button\" data-eventlabel=\"\ud558\ub098\uc740\ud589 \ub298~ \ud558\ub098\uc801\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\ud558\ub098\uc740\ud589 \ub298~ \ud558\ub098\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.kebhana.com%252Fcont%252Fmall%252Fmall08%252Fmall0801%252Fmall080102%252F1419674_115157.jsp\"\u003E\ub298~ \ud558\ub098\uc801\uae08 \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: \ud558\ub098\uc740\ud589 \ub298~ \ud558\ub098\uc801\uae08 - Image\" data-eventlabel=\"\ud558\ub098\uc740\ud589 \ub298~ \ud558\ub098\uc801\uae08\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\ud558\ub098\uc740\ud589 \ub298~ \ud558\ub098\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.kebhana.com%252Fcont%252Fmall%252Fmall08%252Fmall0801%252Fmall080102%252F1419674_115157.jsp\"\u003E\u003Cimg alt=\"\ud558\ub098\uc740\ud589 \ub298~ \ud558\ub098\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\/hana-3\" 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\/hana-3 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\/hana-3 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: \ud558\ub098\uc740\ud589 \ub298~ \ud558\ub098\uc801\uae08 - Button\" data-eventlabel=\"\ud558\ub098\uc740\ud589 \ub298~ \ud558\ub098\uc801\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\ud558\ub098\uc740\ud589 \ub298~ \ud558\ub098\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.kebhana.com%252Fcont%252Fmall%252Fmall08%252Fmall0801%252Fmall080102%252F1419674_115157.jsp\"\u003E\ub298~ \ud558\ub098\uc801\uae08 \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}
| 상품명 | 종류 | 2년 | 3년 | 4년 | 5년 | 월납입액 |
|---|---|---|---|---|---|---|
| 급여하나 월복리 적금 | 자유적립 | 2.90% | 3.10% | - | - | |
| 신한 첫거래 세배드림 적금 | 정기적립 | - | 3.30% | - | - | 1천원~30만원 |
| KB국민프리미엄적금 | 정기/자유 | 1.10% | 2.30% | 2.30% | 2.40% | 1만원~300만원 |
| 늘~ 하나적금 | 자유적립 | 3.00% | 3.10% | 3.10% | 3.30% | 1만원~300만원 |
위 금리는 급여이체, 공과금 자동이체, 일정 거래실적 등, 쉽게 충족할 수 있는 우대금리 조건을 적용한 수치입니다.
수입과 지출이 안정적인 분이라면 장기적으로 묵돈을 마련하실 수 있는 장기적금을 추천합니다. 장기적금은 높은 이율로 큰 묵돈을 모아 주택자금이나 자녀교육자금 등 전략적인 소비계획이 있는 분에게 이상적입니다. 위 상품들은 높은 금리를 제공하면서 월최저납입한도 또한 낮아 부담없이 저축하실 수 있습니다. 정기적으로 저축가능한 금액이 특히 높으신 분에겐 월최고납입한도 또한 3백만원으로 매우 높은 KB국민프리미엄적금 또는 늘~하나적금을 추천합니다. 정기적립 이외에도 자유적립식의 상품은 갑작스럽게 예상치 못한 지출이 생겨도 중도해지 위험이 없어 이자를 잃을 걱정이 없고, 갑자기 돈이 들어와도 저축하실 수 있어 융통성이 뛰어나 금리가 조금 낮아도 고려해볼만한 가치가 있는 적금상품입니다
| 적금 | 우대금리 조건 |
|---|---|
| 신한 첫거래 세배드림 적금 | 우대조건 1개 충족시 연 1.10%,
우대조건 2개 충족시 연 2.2%
|
| KB국민프리미엄적금 | 신규일로부터 3개월이 경과한 날이 속한 달에 급여이체실적이 있는 계좌 또는 신규일로부터 3개월이 경과한 날이 속한 달에 30만원 이상의 KB국민카드 매입실적이 있는 계좌 - 연0.30% |
단체가입우대/나라사랑우대/쿠폰우대
| |
|
최고의 2금융권 적금
2금융권 기업들은은 모두에게 생소할 수 있지만 높은 금리와 낮은 리스크로 고객을 유혹하는 상품들을 제공하고 있습니다. 생소함을 뛰어넘을 수만 있다면 모두에게 좋은 재테크 수단이 될 수 있는 상품들을 모아 봤습니다.
최고의 2금융권 적금 이율비교
{"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: KB\uad6d\ubbfc\uc740\ud589 KB\uc800\ucd95\uc740\ud589 KB\uafc0\uc801\uae08 - Image\" data-eventlabel=\"KB\uad6d\ubbfc\uc740\ud589 KB\uc800\ucd95\uc740\ud589 KB\uafc0\uc801\uae08\" rel=\"nofollow noopener\" target=\"_blank\" title=\"KB\uad6d\ubbfc\uc740\ud589 KB\uc800\ucd95\uc740\ud589 KB\uafc0\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.kbsavings.com%252F\"\u003E\u003Cimg alt=\"KB\uad6d\ubbfc\uc740\ud589 KB\uc800\ucd95\uc740\ud589 KB\uafc0\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_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\/kb_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\/kb_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: KB\uad6d\ubbfc\uc740\ud589 KB\uc800\ucd95\uc740\ud589 KB\uafc0\uc801\uae08 - 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Image\" data-eventlabel=\"\ud558\ub098\uc800\ucd95\uc740\ud589 \uce74\ub4dc & \uba38\ub2c8 \uc815\uae30\uc801\uae08\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\ud558\ub098\uc800\ucd95\uc740\ud589 \uce74\ub4dc & \uba38\ub2c8 \uc815\uae30\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.hanasavings.com%252Fnew%252Fdeposit%252FHOM030205.jsp\"\u003E\u003Cimg alt=\"\ud558\ub098\uc800\ucd95\uc740\ud589 \uce74\ub4dc & \uba38\ub2c8 \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\/hana_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\/hana_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\/hana_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: \ud558\ub098\uc800\ucd95\uc740\ud589 \uce74\ub4dc & \uba38\ub2c8 \uc815\uae30\uc801\uae08 - Button\" data-eventlabel=\"\ud558\ub098\uc800\ucd95\uc740\ud589 \uce74\ub4dc & \uba38\ub2c8 \uc815\uae30\uc801\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\ud558\ub098\uc800\ucd95\uc740\ud589 \uce74\ub4dc & \uba38\ub2c8 \uc815\uae30\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.hanasavings.com%252Fnew%252Fdeposit%252FHOM030205.jsp\"\u003E\uce74\ub4dc&\uba38\ub2c8 \uc801\uae08 \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: \ud558\ub098\uc800\ucd95\uc740\ud589 \uce74\ub4dc & \uba38\ub2c8 \uc815\uae30\uc801\uae08 - Image\" data-eventlabel=\"\ud558\ub098\uc800\ucd95\uc740\ud589 \uce74\ub4dc & \uba38\ub2c8 \uc815\uae30\uc801\uae08\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\ud558\ub098\uc800\ucd95\uc740\ud589 \uce74\ub4dc & \uba38\ub2c8 \uc815\uae30\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.hanasavings.com%252Fnew%252Fdeposit%252FHOM030205.jsp\"\u003E\u003Cimg alt=\"\ud558\ub098\uc800\ucd95\uc740\ud589 \uce74\ub4dc & \uba38\ub2c8 \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\/hana_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\/hana_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\/hana_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: \ud558\ub098\uc800\ucd95\uc740\ud589 \uce74\ub4dc & \uba38\ub2c8 \uc815\uae30\uc801\uae08 - Button\" data-eventlabel=\"\ud558\ub098\uc800\ucd95\uc740\ud589 \uce74\ub4dc & \uba38\ub2c8 \uc815\uae30\uc801\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\ud558\ub098\uc800\ucd95\uc740\ud589 \uce74\ub4dc & \uba38\ub2c8 \uc815\uae30\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.hanasavings.com%252Fnew%252Fdeposit%252FHOM030205.jsp\"\u003E\uce74\ub4dc&\uba38\ub2c8 \uc801\uae08 \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: \uc560\ud050\uc628\uc800\ucd95\uc740\ud589 \uc9c1\uc7a5\uc778\uc6b0\ub300\uc801\uae08 - Image\" data-eventlabel=\"\uc560\ud050\uc628\uc800\ucd95\uc740\ud589 \uc9c1\uc7a5\uc778\uc6b0\ub300\uc801\uae08\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc560\ud050\uc628\uc800\ucd95\uc740\ud589 \uc9c1\uc7a5\uc778\uc6b0\ub300\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.acuonsb.co.kr%252F\"\u003E\u003Cimg alt=\"\uc560\ud050\uc628\uc800\ucd95\uc740\ud589 \uc9c1\uc7a5\uc778\uc6b0\ub300\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\/acuon_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\/acuon_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\/acuon_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: \uc560\ud050\uc628\uc800\ucd95\uc740\ud589 \uc9c1\uc7a5\uc778\uc6b0\ub300\uc801\uae08 - Button\" data-eventlabel=\"\uc560\ud050\uc628\uc800\ucd95\uc740\ud589 \uc9c1\uc7a5\uc778\uc6b0\ub300\uc801\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc560\ud050\uc628\uc800\ucd95\uc740\ud589 \uc9c1\uc7a5\uc778\uc6b0\ub300\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.acuonsb.co.kr%252F\"\u003E\uc9c1\uc7a5\uc778 \uc6b0\ub300\uc801\uae08 \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: \uc560\ud050\uc628\uc800\ucd95\uc740\ud589 \uc9c1\uc7a5\uc778\uc6b0\ub300\uc801\uae08 - Image\" data-eventlabel=\"\uc560\ud050\uc628\uc800\ucd95\uc740\ud589 \uc9c1\uc7a5\uc778\uc6b0\ub300\uc801\uae08\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc560\ud050\uc628\uc800\ucd95\uc740\ud589 \uc9c1\uc7a5\uc778\uc6b0\ub300\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.acuonsb.co.kr%252F\"\u003E\u003Cimg alt=\"\uc560\ud050\uc628\uc800\ucd95\uc740\ud589 \uc9c1\uc7a5\uc778\uc6b0\ub300\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\/acuon_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\/acuon_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\/acuon_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: \uc560\ud050\uc628\uc800\ucd95\uc740\ud589 \uc9c1\uc7a5\uc778\uc6b0\ub300\uc801\uae08 - 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Image\" data-eventlabel=\"\ud558\ub098\uc800\ucd95\uc740\ud589 \ud50c\ub7ec\uc2a4\uc815\uae30\uc801\uae08\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\ud558\ub098\uc800\ucd95\uc740\ud589 \ud50c\ub7ec\uc2a4\uc815\uae30\uc801\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.hanasavings.com%252Fnew%252Fdeposit%252FHOM030204.jsp\"\u003E\u003Cimg alt=\"\ud558\ub098\uc800\ucd95\uc740\ud589 \ud50c\ub7ec\uc2a4\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\/hana_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\/hana_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\/hana_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: \ud558\ub098\uc800\ucd95\uc740\ud589 \ud50c\ub7ec\uc2a4\uc815\uae30\uc801\uae08 - 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| 상품명 | 종류 | 100일 | 1년 | 2년 | 4년 | 월납입액 |
|---|---|---|---|---|---|---|
| KB저축 KB꿀적금 | 정기적립 | 2.20% | - | - | - | 천원~10만원 |
| 하나저축 카드 & 머니 정기적금 | 정기적립 | - | 4% | - | - | 1만원~50만원 |
| 애큐온 직장인우대적금 | 정기적립 | - | 3.10% | 3.20% | - | 1만원~100만원 |
| 하나저축 플러스정기적금 | 정기적립 | - | - | 3.20% | 3.40% | 1만원~100만원 |
위 금리는 급여이체, 공과금 자동이체, 일정 거래실적 등, 쉽게 충족할 수 있는 우대금리 조건을 적용한 수치입니다.
1금융권 은행보다 상대적으로 리스크가 많다는 인식 덕분에 2금융권 저축은행은 보통 더 높은 금리를 제공합니다. 적금의 경우엔 꼭 그렇지는 않지만 조금이라도 더 이자를 받고 싶다면 위 상품들을 추천드립니다. 2금융권의 적금상품들도 1금융권처럼 원금과 이자를 합친 5000만원 까지 예금보험공사에의해 보호를 받기 때문에 사실상 리스크는 없지만 시중은행에 비해 지점이 적어 이용에 약간 불편함이 있을 수 있습니다.
| 적금 | 우대금리 조건 |
|---|---|
| 하나저축 카드&머니 정기적금 |
|
| 애큐온 직장인우대적금 |
|
| 하나저축 플러스정기적금 |
|
자주묻는질문
자신에게 최적인 적금상품을 찾으려면 자신의 소득과 지출성향을 알고계셔야 합니다. 소득이 규칙적인지 아닌지, 충동적인 구매를 하지는 않는지, 그리고 미래 어떤 소비계획을 가지고 있는지 안다면 올바른 상품을 고르실 수 있습니다. 예를들어 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 묵돈을 예치시켜 만기시기에 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, 현재 적금 중에는 크게 높은 금리를 제공하는 저축은행이 없습니다. 저축은행들도 예금보험공사의 보호를 받기 때문에 리스크에 큰 차이는 없으니, 편의성을 고려하시고 구매하시는게 좋습니다.
1년 상품, 신규가입시 묵돈을 예치하여 총불입액이 1년이자를 받는 예금과는 다르게 적금의 이자는 다른 방법으로 책정됩니다. 예를들어 첫달의 가입액만 1년이자를 받고 2번째 월불입액은 11개월간의 이자를 받고, 3번째 월불입액은 10개월의 아자를 받는 등, 이자가 계속 줄어 듭니다. 때문에 적금의 금리가 생각했던 것 보다 적을 수 있습니다. 제품 구매전에 꼭 이자계산기로 얼만큼의 이자를 벌 수 있는지 확인하는것을 권장드립니다.
적금리서치 방법론은?
이 적금분석에는 18개의 1금융권 은행들과 60개의 2금융권 저축은행이 제공하는 수백개의 적금상품 자료를 활용하였습니다. 밸류챔피언에서는 간접비용을 줄여 높은 금리와 편의를 제공하고, 독자님께서 쉽게 비교, 가입하실 수 있는 인터넷/스마트 뱅킹 상품만 확인하였습니다. 공시금리와 상품별 특약은 예고없이 변경될 수 있으니 구매전 꼭 확인하시기 바랍니다. 소비자 분의 경제 상황 및 조건은 상이할 수 있지만 정보의 일관성을 유지하기 위해 저희는 리서치 방법론 확립에 부단히 노력하고 있습니다.
| 예금 조사대상 2금융권 저축은행 목록 | ||
|---|---|---|
| SBI저축은행 | OK저축은행 | 한국투자저축은행 |
| 페퍼저축은행 | 유진저축은행 | 애큐온저축은행 |
| 상상인저축은행 | 오성저축은행 | 삼호저축은행 |
| 삼일저축은행 | 고려저축은행 | OSB저축은행 |
| 등 60개 저축은행 | ||
