2020년 최고의 정기예금 금리 비교

정기예금은 정해진 기간동안 은행에 돈을 맡기고 약정된 이자를 받는 금융상품 입니다. 따라서 자신에 맞는 금리상품을 찾을때는 이율, 이자 산정 방식, 만기, 최처/최고 가입금액 등의 요소를 고려해야 합니다. 밸류챔피언에서 12개의 은행과 60개의 저축은행이 제공하는 수백개의 금융상품을을 비교하여 최고의 예금 상품을 선별 해 보았습니다.

최고의 1금융권 정기예금
최고의 2금융권 정기예금

최고의 1금융권 정기예금

모두가 아시는 시중은행들과 몇몇 특수/지방을행의 정기예금들을 조사해 만기별로 최고의 금리를 제공하는 상품들을 선별 하였습니다.

1금융권 최고의 예금 1년만기 이율 비교 차트

최고의 1금융권 1년이하 만기 확정금리 예금 이율 비교

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Image\" data-eventlabel=\"\uc528\ud2f0\uc740\ud589 \ud504\ub9ac\uc2a4\ud0c0\uc77c \uc815\uae30\uc608\uae08\" rel=\"noopener\" target=\"_blank\" title=\"\uc528\ud2f0\uc740\ud589 \ud504\ub9ac\uc2a4\ud0c0\uc77c \uc815\uae30\uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Fwww.citibank.co.kr%2F\"\u003E\u003Cimg alt=\"\uc528\ud2f0\uc740\ud589 \ud504\ub9ac\uc2a4\ud0c0\uc77c \uc815\uae30\uc608\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\/citi-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\/citi-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\/citi-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 fixed_deposits: \uc528\ud2f0\uc740\ud589 \ud504\ub9ac\uc2a4\ud0c0\uc77c \uc815\uae30\uc608\uae08 - Button\" data-eventlabel=\"\uc528\ud2f0\uc740\ud589 \ud504\ub9ac\uc2a4\ud0c0\uc77c \uc815\uae30\uc608\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc528\ud2f0\uc740\ud589 \ud504\ub9ac\uc2a4\ud0c0\uc77c \uc815\uae30\uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.citibank.co.kr%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 fixed_deposits: \uc528\ud2f0\uc740\ud589 \ud504\ub9ac\uc2a4\ud0c0\uc77c \uc815\uae30\uc608\uae08 - Image\" data-eventlabel=\"\uc528\ud2f0\uc740\ud589 \ud504\ub9ac\uc2a4\ud0c0\uc77c \uc815\uae30\uc608\uae08\" rel=\"noopener\" target=\"_blank\" title=\"\uc528\ud2f0\uc740\ud589 \ud504\ub9ac\uc2a4\ud0c0\uc77c \uc815\uae30\uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Fwww.citibank.co.kr%2F\"\u003E\u003Cimg alt=\"\uc528\ud2f0\uc740\ud589 \ud504\ub9ac\uc2a4\ud0c0\uc77c \uc815\uae30\uc608\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\/citi-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\/citi-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\/citi-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 fixed_deposits: \uc528\ud2f0\uc740\ud589 \ud504\ub9ac\uc2a4\ud0c0\uc77c \uc815\uae30\uc608\uae08 - Button\" data-eventlabel=\"\uc528\ud2f0\uc740\ud589 \ud504\ub9ac\uc2a4\ud0c0\uc77c \uc815\uae30\uc608\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc528\ud2f0\uc740\ud589 \ud504\ub9ac\uc2a4\ud0c0\uc77c \uc815\uae30\uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.citibank.co.kr%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}

1금융권 1년이하 만기 확정금리 예금 이율 비교

상품명3개월6개월12개월가입액
기업은행 i-ONE 놀이터 정기예금1.50%1.55%1.70%1백만원-3천만원
우리은행 SUPER주거래 정기예금-1.60%1.80%1백만원 이상
수협 sh골든리치 이벤트 정기예금--1.95%1백만원-1억원
씨티은행 프리스타일 정기예금1.55%1.65%1.70%1백만원 이상
위 금리는 급여이체, 공과금 자동이체, 일정 거래실적 등, 쉽게 충족할 수 있는 우대금리 조건을 적용한 수치입니다.
1금융권 1년이하 만기 확정금리 예금 이율 비교 테이블
위 상품들은 단기적으로 (3개월, 6개월, 1년만기 등) 혹은 유동적으로 예금예치를 원하시는 분들에게 제일 적합한 상품들입니다. 단기 예금은 갑자기 지출이 생길 수도 있어 긴급자금을 준비 해두고 싶으시지만 그 동안 이율을 얻고 싶으시거나, 곧 기준 금리인상을 예상 하여 장기간 동안 자금을 맡기지 않고 나중에 재투자 기회를 기다리시는 분들에게 유용한 금융 상품이라 할수 있습니다. 첫 세 상품들은 저희가 조사한 각각 만기기간별 최고 정기예금 상품들이고, 이를 통하여 금리는 보통 만기기간이 길어질수록 높아진다는점을 알수 있습니다. 또한 씨티 프리스타일 예금은 운용자금이 1억원 이상일 경우 특히 높은 우대 금리를 누릴수 있어 높은 금액의 예금을 찾으시는 분들께서 눈여겨 보실 필요가 있는 상품입니다.
예금우대금리 조건
기업은행i-ONE 놀이터 예금i-ONE 놀이터 앱 미션을 수행하여 스탬프 적립시 우대이율 적용 (최고 연0.3%)
우리SUPER주거래 정기예금아래 조건 충족시 최대 연 0.1%
  • 우리은행 첫 거래 고객
  • 3천만원 이상 가입
  • 만기자금 자동관리 서비스에 의해 재예치
거래실적 인정기간 (신규일이 포함된 달로부터 만기일이 속한 달의 전전달까지) 아래 조건을 충족시 최대 연 0.3%
  • 우리은행으로 급여/연금이체 시
  • 우리은행에서 공과금 자동이체 출금실적이 있는 경우
  • 우리카드 사 신용/체크카드 결제실적이 월 10만원 이상, 또는 해당카드 결제계좌를 우리은행 입출식계좌로 지정
수협 sh골든리치이벤트정기예금첫거래 고객, 또는 우수고객 등급상승시 연0.1% 우대
예금 가입일 오픈뱅킹서비스를 통해 당행본인 입출금통장으로 백만원이상 이체 시 연0.05%
씨티 프리스타일 예금1천만원 이상 예치시 0.3%, 1억원 이상 예치시 0.4% 우대

최고의 1금융권 장기 확정금리 예금 이자 비교

{"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 fixed_deposits: \ucf00\uc774\ubc45\ud06c \uc8fc\uac70\ub798\uc6b0\ub300 \uc815\uae30\uc608\uae08 - Image\" data-eventlabel=\"\ucf00\uc774\ubc45\ud06c \uc8fc\uac70\ub798\uc6b0\ub300 \uc815\uae30\uc608\uae08\" rel=\"noopener\" target=\"_blank\" title=\"\ucf00\uc774\ubc45\ud06c \uc8fc\uac70\ub798\uc6b0\ub300 \uc815\uae30\uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Fwww.kbanknow.com%2Fib20%2Fmnu%2FFPMDPT040000%3Fib20_wc%3DFPMMAN0000000201V%3AFPMMAN0000000201V\"\u003E\u003Cimg alt=\"\ucf00\uc774\ubc45\ud06c \uc8fc\uac70\ub798\uc6b0\ub300 \uc815\uae30\uc608\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\/kbank-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\/kbank-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\/kbank-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 fixed_deposits: \ucf00\uc774\ubc45\ud06c \uc8fc\uac70\ub798\uc6b0\ub300 \uc815\uae30\uc608\uae08 - 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Image\" data-eventlabel=\"\uc6b0\ub9ac\uc740\ud589 WON \uc608\uae08\" rel=\"noopener\" target=\"_blank\" title=\"\uc6b0\ub9ac\uc740\ud589 WON \uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Fspib.wooribank.com%2Fpib%2FDream%3Fwithyou%3DPSDEP0010%26cc%3Dc007095%3Ac009166%3Bc012263%3Ac012399%26PLM_PDCD%3DP010002354%26PRD_CD%3DP010002354%26ALL_GB%3DALL%26depKind%3D\"\u003E\u003Cimg alt=\"\uc6b0\ub9ac\uc740\ud589 WON \uc608\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 fixed_deposits: \uc6b0\ub9ac\uc740\ud589 WON \uc608\uae08 - Button\" data-eventlabel=\"\uc6b0\ub9ac\uc740\ud589 WON \uc608\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc6b0\ub9ac\uc740\ud589 WON \uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fspib.wooribank.com%252Fpib%252FDream%253Fwithyou%253DPSDEP0010%2526cc%253Dc007095%253Ac009166%253Bc012263%253Ac012399%2526PLM_PDCD%253DP010002354%2526PRD_CD%253DP010002354%2526ALL_GB%253DALL%2526depKind%253D\"\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 fixed_deposits: \uc6b0\ub9ac\uc740\ud589 WON \uc608\uae08 - Image\" data-eventlabel=\"\uc6b0\ub9ac\uc740\ud589 WON \uc608\uae08\" rel=\"noopener\" target=\"_blank\" title=\"\uc6b0\ub9ac\uc740\ud589 WON \uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Fspib.wooribank.com%2Fpib%2FDream%3Fwithyou%3DPSDEP0010%26cc%3Dc007095%3Ac009166%3Bc012263%3Ac012399%26PLM_PDCD%3DP010002354%26PRD_CD%3DP010002354%26ALL_GB%3DALL%26depKind%3D\"\u003E\u003Cimg alt=\"\uc6b0\ub9ac\uc740\ud589 WON \uc608\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 fixed_deposits: \uc6b0\ub9ac\uc740\ud589 WON \uc608\uae08 - Button\" data-eventlabel=\"\uc6b0\ub9ac\uc740\ud589 WON \uc608\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc6b0\ub9ac\uc740\ud589 WON \uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fspib.wooribank.com%252Fpib%252FDream%253Fwithyou%253DPSDEP0010%2526cc%253Dc007095%253Ac009166%253Bc012263%253Ac012399%2526PLM_PDCD%253DP010002354%2526PRD_CD%253DP010002354%2526ALL_GB%253DALL%2526depKind%253D\"\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 fixed_deposits: KB\uad6d\ubbfc\uc740\ud589 KB Star \uc815\uae30\uc608\uae08 - Image\" data-eventlabel=\"KB\uad6d\ubbfc\uc740\ud589 KB Star \uc815\uae30\uc608\uae08\" rel=\"noopener\" target=\"_blank\" title=\"KB\uad6d\ubbfc\uc740\ud589 KB Star \uc815\uae30\uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Fobank1.kbstar.com%2Fquics%3Fpage%3DC030037%26QSL%3DF\"\u003E\u003Cimg alt=\"KB\uad6d\ubbfc\uc740\ud589 KB Star \uc815\uae30\uc608\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 fixed_deposits: KB\uad6d\ubbfc\uc740\ud589 KB Star \uc815\uae30\uc608\uae08 - Button\" data-eventlabel=\"KB\uad6d\ubbfc\uc740\ud589 KB Star \uc815\uae30\uc608\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"KB\uad6d\ubbfc\uc740\ud589 KB Star \uc815\uae30\uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fobank1.kbstar.com%252Fquics%253Fpage%253DC030037%2526QSL%253DF\"\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 fixed_deposits: KB\uad6d\ubbfc\uc740\ud589 KB Star \uc815\uae30\uc608\uae08 - Image\" data-eventlabel=\"KB\uad6d\ubbfc\uc740\ud589 KB Star \uc815\uae30\uc608\uae08\" rel=\"noopener\" target=\"_blank\" title=\"KB\uad6d\ubbfc\uc740\ud589 KB Star \uc815\uae30\uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Fobank1.kbstar.com%2Fquics%3Fpage%3DC030037%26QSL%3DF\"\u003E\u003Cimg alt=\"KB\uad6d\ubbfc\uc740\ud589 KB Star \uc815\uae30\uc608\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 fixed_deposits: KB\uad6d\ubbfc\uc740\ud589 KB Star \uc815\uae30\uc608\uae08 - Button\" data-eventlabel=\"KB\uad6d\ubbfc\uc740\ud589 KB Star \uc815\uae30\uc608\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"KB\uad6d\ubbfc\uc740\ud589 KB Star \uc815\uae30\uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fobank1.kbstar.com%252Fquics%253Fpage%253DC030037%2526QSL%253DF\"\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 fixed_deposits: \uc2e0\ud55c\uc740\ud589 \uc3e0\ud3b8\ud55c \uc815\uae30\uc608\uae08 - Image\" data-eventlabel=\"\uc2e0\ud55c\uc740\ud589 \uc3e0\ud3b8\ud55c \uc815\uae30\uc608\uae08\" rel=\"noopener\" target=\"_blank\" title=\"\uc2e0\ud55c\uc740\ud589 \uc3e0\ud3b8\ud55c \uc815\uae30\uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Fwww.shinhan.com%2F\"\u003E\u003Cimg alt=\"\uc2e0\ud55c\uc740\ud589 \uc3e0\ud3b8\ud55c \uc815\uae30\uc608\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 fixed_deposits: \uc2e0\ud55c\uc740\ud589 \uc3e0\ud3b8\ud55c \uc815\uae30\uc608\uae08 - Button\" data-eventlabel=\"\uc2e0\ud55c\uc740\ud589 \uc3e0\ud3b8\ud55c \uc815\uae30\uc608\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc2e0\ud55c\uc740\ud589 \uc3e0\ud3b8\ud55c \uc815\uae30\uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.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 fixed_deposits: \uc2e0\ud55c\uc740\ud589 \uc3e0\ud3b8\ud55c \uc815\uae30\uc608\uae08 - Image\" data-eventlabel=\"\uc2e0\ud55c\uc740\ud589 \uc3e0\ud3b8\ud55c \uc815\uae30\uc608\uae08\" rel=\"noopener\" target=\"_blank\" title=\"\uc2e0\ud55c\uc740\ud589 \uc3e0\ud3b8\ud55c \uc815\uae30\uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Fwww.shinhan.com%2F\"\u003E\u003Cimg alt=\"\uc2e0\ud55c\uc740\ud589 \uc3e0\ud3b8\ud55c \uc815\uae30\uc608\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 fixed_deposits: \uc2e0\ud55c\uc740\ud589 \uc3e0\ud3b8\ud55c \uc815\uae30\uc608\uae08 - Button\" data-eventlabel=\"\uc2e0\ud55c\uc740\ud589 \uc3e0\ud3b8\ud55c \uc815\uae30\uc608\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc2e0\ud55c\uc740\ud589 \uc3e0\ud3b8\ud55c \uc815\uae30\uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.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"],"offsetPercentage":20}

1금융권 2년이상 만기 확정금리 예금 이율 비교

상품명2년3년4년5년가입액
케이뱅크 주거래우대 정기예금1.70%1.75%--1백만원 이상
우리은행 WON 예금1.72%1.74%--
국민은행 KB Star 정기예금1.52%1.75%--
신한은행 쏠편한 정기예금1.68%1.70%1.73%1.75%1만원 이상
위 금리는 급여이체, 공과금 자동이체, 일정 거래실적 등, 쉽게 충족할 수 있는 우대금리 조건을 적용한 수치입니다.
1금융권 2년이상 만기 확정금리 예금 이율 비교 테이블
2년 만기가 넘는 장기간 예금 상품은 미래에 기준 금리가 하락하기전에 높은 이율을 확보하고 싶으시거나, 리스크 없이 장기간동안 목돈을 꾸준히 굴리고 싶으신 분들에게 알맞습니다. 특히 위에 선정된 상품 대부분은 복잡한 우대 조건이 없기 때문에 큰 고민 없이 구매하실 수 있습니다. 현재 4년 이상 예금 중, 높은 금리를 제공하는 은행은 없고 심지어 만기가 더 짧은 상품보다 금리가 낮기도 합니다. 최장기 금리가 매우 낮은 지금, 금리가 낮은 복리 상품보다 높은 금리의 단리 상품들이 선전 했습니다. 이미 받은 이자에 이자를 얻는 복리 상품과 달리 원금에만 이자를 받지만, 복리 상품의 금리가 매우 낮기 때문에, 더 높은 이윤을 얻을 수 있습니다.복리상품중 하나은행의 고단위 플러스는 예외적으로 금리가 높은 복리상품입니다. 장기적으로 돈이 묶여있다는 단점이 있지만 큰 액수의 예치금라면 큰 차이를 보실 수 있습니다.
예금우대금리 조건
케이뱅크 주거래우대 정기예금케이뱅크 계좌로 급여이체시 0.3%, 체크카드 월20만원 사용 0.3%, 총 0.4% 가능

최고의 1금융권 변동금리 예금 이율 비교

{"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 fixed_deposits: NH\ub18d\ud611\uc740\ud589 NH\uc648\uce20\ud68c\uc804\uc608\uae08 II - Image\" data-eventlabel=\"NH\ub18d\ud611\uc740\ud589 NH\uc648\uce20\ud68c\uc804\uc608\uae08 II\" rel=\"noopener\" target=\"_blank\" title=\"NH\ub18d\ud611\uc740\ud589 NH\uc648\uce20\ud68c\uc804\uc608\uae08 II\" href=\"\/redirect?link=https%3A%2F%2Fsmartmarket.nonghyup.com%2F\"\u003E\u003Cimg alt=\"NH\ub18d\ud611\uc740\ud589 NH\uc648\uce20\ud68c\uc804\uc608\uae08 II\" 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\/nh-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\/nh-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\/nh-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 fixed_deposits: NH\ub18d\ud611\uc740\ud589 NH\uc648\uce20\ud68c\uc804\uc608\uae08 II - 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Image\" data-eventlabel=\"\uc0b0\uc5c5\uc740\ud589 KDBdream Smart\ud22c\uc790 \uc815\uae30\uc608\uae08\" rel=\"noopener\" target=\"_blank\" title=\"\uc0b0\uc5c5\uc740\ud589 KDBdream Smart\ud22c\uc790 \uc815\uae30\uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Fbanking.kdb.co.kr%2F\"\u003E\u003Cimg alt=\"\uc0b0\uc5c5\uc740\ud589 KDBdream Smart\ud22c\uc790 \uc815\uae30\uc608\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\/kdb-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\/kdb-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\/kdb-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 fixed_deposits: \uc0b0\uc5c5\uc740\ud589 KDBdream Smart\ud22c\uc790 \uc815\uae30\uc608\uae08 - 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Image\" data-eventlabel=\"\uc6b0\ub9ac\uc740\ud589 \uc6f0\ub9ac\uce58100\uc608\uae08\" rel=\"noopener\" target=\"_blank\" title=\"\uc6b0\ub9ac\uc740\ud589 \uc6f0\ub9ac\uce58100\uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Fspot.wooribank.com%2Fpot%2FDream%3Fwithyou%3DPODEP0001%26cc%3Dc011240%3Ac009166%3Bc012263%3Ac012399%26PRD_CD%3DP010000160%26PRD_YN%3DY\"\u003E\u003Cimg alt=\"\uc6b0\ub9ac\uc740\ud589 \uc6f0\ub9ac\uce58100\uc608\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 fixed_deposits: \uc6b0\ub9ac\uc740\ud589 \uc6f0\ub9ac\uce58100\uc608\uae08 - Button\" data-eventlabel=\"\uc6b0\ub9ac\uc740\ud589 \uc6f0\ub9ac\uce58100\uc608\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc6b0\ub9ac\uc740\ud589 \uc6f0\ub9ac\uce58100\uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fspot.wooribank.com%252Fpot%252FDream%253Fwithyou%253DPODEP0001%2526cc%253Dc011240%253Ac009166%253Bc012263%253Ac012399%2526PRD_CD%253DP010000160%2526PRD_YN%253DY\"\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}

1금융권 변동금리 예금 이율 비교

상품명농협 NH왈츠회전예금산업은행 KDBdream Smart투자 정기예금우리은행 웰리치100 예금 -회전형
3개월1.37%--
6개월1.57%--
1년1.75%1.35%1.55%
2년1.75%1.45%1.55%
3년1.751.55%1.55%
4년-1.65%1.55%
5년-1.75%1.55%
가입액3백만원 이상3백만원 이상3백만원 이상
위 금리는 급여이체, 공과금 자동이체, 일정 거래실적 등, 쉽게 충족할 수 있는 우대금리 조건을 적용한 수치입니다.
1금융권 변동금리 예금 이율 비교 테이블
변동금리 (혹은 연동금리) 예금은 일정 회전주기 (매월, 매년 등) 마다 실세시장금리를 반영하는 금융상품입니다. 상품마다 CD, KORIBOR등, 어느 특정 시장지표를 반영하는지는 천차만별 이지만, 결국 한국의 모든 시장지표는 한국은행의 기준금리가 좌지우지 합니다. 이 때문에 금리상승기에는 큰 이득을 얻으실 수도 있지만 반대로 예상치 못한 금리하락기에는 피해를 보실 수도 있으니 처음으로 예금을 시작하시는 분들보단 좀 더 시장에 관심을 가지시는 분들에게 더 추천드립니다. 밸류챔피언에서 선정한 가장 높은 이율을 선보이는 위 연동금리 예금상품들은 모두 월이자지급식으로 구매하여 매월 이자를 받아 쓰실 수 도 있지만 복리효과를 위해 최대한 만기지급식으로 구매하는 것이 좋습니다.
예금우대금리 조건
농협 NH왈츠회전예금전월 급여이체실적(50만 이상)이 있는경우 (0.1%)
계약기간 내 연속 3회전기간 유지 계좌에 대해 4회전기간 부터 충족분에 제공 (0.1%)
산업은행 KDBdream Smart투자 예금장기우대:가입일로부터 5년까지 매년0.10% 가산
우리은행 웰리치100예금-회전형아래항목을 신규가입때 충족시 최고 연0.2%우대
  • 우리은행으로 연금이체 실적 보유
  • 만기자금 재예치 시
  • 우리카드사 신용카드 또는 체크카드 보유 시
  • 인터넷 뱅킹 또는 스마트 뱅킹으로 신규시

최고의 2금융권 정기예금

2금융권 기업들은은 모두에게 생소하실수 있지만 높은 금리와 낮은 리스크, 그리고 편한 유동성으로 고객을 유혹하는 상품들을 제공하고 있습니다.

2금융권 최고의 예금 1년만기 이율 비교 차트

최고의 2금융권 1년이하 만기 정기예금

{"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 fixed_deposits: \uc0c1\uc0c1\uc778\uc800\ucd95\uc740\ud589 \ube44\ub300\uba74 \uc815\uae30\uc608\uae08 - Image\" data-eventlabel=\"\uc0c1\uc0c1\uc778\uc800\ucd95\uc740\ud589 \ube44\ub300\uba74 \uc815\uae30\uc608\uae08\" rel=\"noopener\" target=\"_blank\" title=\"\uc0c1\uc0c1\uc778\uc800\ucd95\uc740\ud589 \ube44\ub300\uba74 \uc815\uae30\uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Fwww.sangsanginsb.com%2Fservice%2Fsavings%2Ffixed_large.jsp\"\u003E\u003Cimg alt=\"\uc0c1\uc0c1\uc778\uc800\ucd95\uc740\ud589 \ube44\ub300\uba74 \uc815\uae30\uc608\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\/sangsangin_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\/sangsangin_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\/sangsangin_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 fixed_deposits: \uc0c1\uc0c1\uc778\uc800\ucd95\uc740\ud589 \ube44\ub300\uba74 \uc815\uae30\uc608\uae08 - Button\" data-eventlabel=\"\uc0c1\uc0c1\uc778\uc800\ucd95\uc740\ud589 \ube44\ub300\uba74 \uc815\uae30\uc608\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc0c1\uc0c1\uc778\uc800\ucd95\uc740\ud589 \ube44\ub300\uba74 \uc815\uae30\uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.sangsanginsb.com%252Fservice%252Fsavings%252Ffixed_large.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 fixed_deposits: \uc0c1\uc0c1\uc778\uc800\ucd95\uc740\ud589 \ube44\ub300\uba74 \uc815\uae30\uc608\uae08 - Image\" data-eventlabel=\"\uc0c1\uc0c1\uc778\uc800\ucd95\uc740\ud589 \ube44\ub300\uba74 \uc815\uae30\uc608\uae08\" rel=\"noopener\" target=\"_blank\" title=\"\uc0c1\uc0c1\uc778\uc800\ucd95\uc740\ud589 \ube44\ub300\uba74 \uc815\uae30\uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Fwww.sangsanginsb.com%2Fservice%2Fsavings%2Ffixed_large.jsp\"\u003E\u003Cimg alt=\"\uc0c1\uc0c1\uc778\uc800\ucd95\uc740\ud589 \ube44\ub300\uba74 \uc815\uae30\uc608\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\/sangsangin_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\/sangsangin_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\/sangsangin_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 fixed_deposits: \uc0c1\uc0c1\uc778\uc800\ucd95\uc740\ud589 \ube44\ub300\uba74 \uc815\uae30\uc608\uae08 - Button\" data-eventlabel=\"\uc0c1\uc0c1\uc778\uc800\ucd95\uc740\ud589 \ube44\ub300\uba74 \uc815\uae30\uc608\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc0c1\uc0c1\uc778\uc800\ucd95\uc740\ud589 \ube44\ub300\uba74 \uc815\uae30\uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.sangsanginsb.com%252Fservice%252Fsavings%252Ffixed_large.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","\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 fixed_deposits: \uc624\uc131\uc800\ucd95\uc740\ud589 \uc778\ud130\ub137 \uc815\uae30\uc608\uae08 \ubcf5\ub9ac\uc2dd - Image\" data-eventlabel=\"\uc624\uc131\uc800\ucd95\uc740\ud589 \uc778\ud130\ub137 \uc815\uae30\uc608\uae08 \ubcf5\ub9ac\uc2dd\" rel=\"noopener\" target=\"_blank\" title=\"\uc624\uc131\uc800\ucd95\uc740\ud589 \uc778\ud130\ub137 \uc815\uae30\uc608\uae08 \ubcf5\ub9ac\uc2dd\" href=\"\/redirect?link=https%3A%2F%2Fwww.osungbank.co.kr%2F\"\u003E\u003Cimg alt=\"\uc624\uc131\uc800\ucd95\uc740\ud589 \uc778\ud130\ub137 \uc815\uae30\uc608\uae08 \ubcf5\ub9ac\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\/osung_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\/osung_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\/osung_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 fixed_deposits: \uc624\uc131\uc800\ucd95\uc740\ud589 \uc778\ud130\ub137 \uc815\uae30\uc608\uae08 \ubcf5\ub9ac\uc2dd - Button\" data-eventlabel=\"\uc624\uc131\uc800\ucd95\uc740\ud589 \uc778\ud130\ub137 \uc815\uae30\uc608\uae08 \ubcf5\ub9ac\uc2dd\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc624\uc131\uc800\ucd95\uc740\ud589 \uc778\ud130\ub137 \uc815\uae30\uc608\uae08 \ubcf5\ub9ac\uc2dd\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.osungbank.co.kr%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 fixed_deposits: \uc624\uc131\uc800\ucd95\uc740\ud589 \uc778\ud130\ub137 \uc815\uae30\uc608\uae08 \ubcf5\ub9ac\uc2dd - Image\" data-eventlabel=\"\uc624\uc131\uc800\ucd95\uc740\ud589 \uc778\ud130\ub137 \uc815\uae30\uc608\uae08 \ubcf5\ub9ac\uc2dd\" rel=\"noopener\" target=\"_blank\" title=\"\uc624\uc131\uc800\ucd95\uc740\ud589 \uc778\ud130\ub137 \uc815\uae30\uc608\uae08 \ubcf5\ub9ac\uc2dd\" href=\"\/redirect?link=https%3A%2F%2Fwww.osungbank.co.kr%2F\"\u003E\u003Cimg alt=\"\uc624\uc131\uc800\ucd95\uc740\ud589 \uc778\ud130\ub137 \uc815\uae30\uc608\uae08 \ubcf5\ub9ac\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\/osung_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\/osung_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\/osung_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 fixed_deposits: \uc624\uc131\uc800\ucd95\uc740\ud589 \uc778\ud130\ub137 \uc815\uae30\uc608\uae08 \ubcf5\ub9ac\uc2dd - Button\" data-eventlabel=\"\uc624\uc131\uc800\ucd95\uc740\ud589 \uc778\ud130\ub137 \uc815\uae30\uc608\uae08 \ubcf5\ub9ac\uc2dd\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc624\uc131\uc800\ucd95\uc740\ud589 \uc778\ud130\ub137 \uc815\uae30\uc608\uae08 \ubcf5\ub9ac\uc2dd\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.osungbank.co.kr%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 fixed_deposits: \uc0c1\uc0c1\uc778\uc800\ucd95\uc740\ud589 \uc911\ub3c4\ud574\uc9c0 \uad1c\ucc2e\uc544 369 \uc815\uae30\uc608\uae08 - Image\" data-eventlabel=\"\uc0c1\uc0c1\uc778\uc800\ucd95\uc740\ud589 \uc911\ub3c4\ud574\uc9c0 \uad1c\ucc2e\uc544 369 \uc815\uae30\uc608\uae08\" rel=\"noopener\" target=\"_blank\" title=\"\uc0c1\uc0c1\uc778\uc800\ucd95\uc740\ud589 \uc911\ub3c4\ud574\uc9c0 \uad1c\ucc2e\uc544 369 \uc815\uae30\uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Fwww.sangsanginsb.com%2Fservice%2Fsavings%2F369_beneficial_fixed_large.jsp\"\u003E\u003Cimg alt=\"\uc0c1\uc0c1\uc778\uc800\ucd95\uc740\ud589 \uc911\ub3c4\ud574\uc9c0 \uad1c\ucc2e\uc544 369 \uc815\uae30\uc608\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\/sangsangin_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\/sangsangin_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\/sangsangin_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 fixed_deposits: \uc0c1\uc0c1\uc778\uc800\ucd95\uc740\ud589 \uc911\ub3c4\ud574\uc9c0 \uad1c\ucc2e\uc544 369 \uc815\uae30\uc608\uae08 - Button\" data-eventlabel=\"\uc0c1\uc0c1\uc778\uc800\ucd95\uc740\ud589 \uc911\ub3c4\ud574\uc9c0 \uad1c\ucc2e\uc544 369 \uc815\uae30\uc608\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc0c1\uc0c1\uc778\uc800\ucd95\uc740\ud589 \uc911\ub3c4\ud574\uc9c0 \uad1c\ucc2e\uc544 369 \uc815\uae30\uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.sangsanginsb.com%252Fservice%252Fsavings%252F369_beneficial_fixed_large.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 fixed_deposits: \uc0c1\uc0c1\uc778\uc800\ucd95\uc740\ud589 \uc911\ub3c4\ud574\uc9c0 \uad1c\ucc2e\uc544 369 \uc815\uae30\uc608\uae08 - Image\" data-eventlabel=\"\uc0c1\uc0c1\uc778\uc800\ucd95\uc740\ud589 \uc911\ub3c4\ud574\uc9c0 \uad1c\ucc2e\uc544 369 \uc815\uae30\uc608\uae08\" rel=\"noopener\" target=\"_blank\" title=\"\uc0c1\uc0c1\uc778\uc800\ucd95\uc740\ud589 \uc911\ub3c4\ud574\uc9c0 \uad1c\ucc2e\uc544 369 \uc815\uae30\uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Fwww.sangsanginsb.com%2Fservice%2Fsavings%2F369_beneficial_fixed_large.jsp\"\u003E\u003Cimg alt=\"\uc0c1\uc0c1\uc778\uc800\ucd95\uc740\ud589 \uc911\ub3c4\ud574\uc9c0 \uad1c\ucc2e\uc544 369 \uc815\uae30\uc608\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\/sangsangin_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\/sangsangin_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\/sangsangin_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 fixed_deposits: \uc0c1\uc0c1\uc778\uc800\ucd95\uc740\ud589 \uc911\ub3c4\ud574\uc9c0 \uad1c\ucc2e\uc544 369 \uc815\uae30\uc608\uae08 - Button\" data-eventlabel=\"\uc0c1\uc0c1\uc778\uc800\ucd95\uc740\ud589 \uc911\ub3c4\ud574\uc9c0 \uad1c\ucc2e\uc544 369 \uc815\uae30\uc608\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc0c1\uc0c1\uc778\uc800\ucd95\uc740\ud589 \uc911\ub3c4\ud574\uc9c0 \uad1c\ucc2e\uc544 369 \uc815\uae30\uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.sangsanginsb.com%252Fservice%252Fsavings%252F369_beneficial_fixed_large.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","\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 fixed_deposits: \ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\ub8e8 \uc911\ub3c4\ud574\uc9c0 FREE \uc815\uae30\uc608\uae08 - Image\" data-eventlabel=\"\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\ub8e8 \uc911\ub3c4\ud574\uc9c0 FREE \uc815\uae30\uc608\uae08\" rel=\"noopener\" target=\"_blank\" title=\"\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\ub8e8 \uc911\ub3c4\ud574\uc9c0 FREE \uc815\uae30\uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Fpepperbank.ibs.fsb.or.kr%2F\"\u003E\u003Cimg alt=\"\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\ub8e8 \uc911\ub3c4\ud574\uc9c0 FREE \uc815\uae30\uc608\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 fixed_deposits: \ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\ub8e8 \uc911\ub3c4\ud574\uc9c0 FREE \uc815\uae30\uc608\uae08 - Button\" data-eventlabel=\"\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\ub8e8 \uc911\ub3c4\ud574\uc9c0 FREE \uc815\uae30\uc608\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\ub8e8 \uc911\ub3c4\ud574\uc9c0 FREE \uc815\uae30\uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fpepperbank.ibs.fsb.or.kr%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 fixed_deposits: \ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\ub8e8 \uc911\ub3c4\ud574\uc9c0 FREE \uc815\uae30\uc608\uae08 - Image\" data-eventlabel=\"\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\ub8e8 \uc911\ub3c4\ud574\uc9c0 FREE \uc815\uae30\uc608\uae08\" rel=\"noopener\" target=\"_blank\" title=\"\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\ub8e8 \uc911\ub3c4\ud574\uc9c0 FREE \uc815\uae30\uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Fpepperbank.ibs.fsb.or.kr%2F\"\u003E\u003Cimg alt=\"\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\ub8e8 \uc911\ub3c4\ud574\uc9c0 FREE \uc815\uae30\uc608\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 fixed_deposits: \ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\ub8e8 \uc911\ub3c4\ud574\uc9c0 FREE \uc815\uae30\uc608\uae08 - Button\" data-eventlabel=\"\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\ub8e8 \uc911\ub3c4\ud574\uc9c0 FREE \uc815\uae30\uc608\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\ub8e8 \uc911\ub3c4\ud574\uc9c0 FREE \uc815\uae30\uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fpepperbank.ibs.fsb.or.kr%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}

2금융권 1년이하 만기 확정금리 예금 이율 비교

상품명3개월6개월12개월가입액
상상인저축 비대면 정기예금1.75%1.95%2.15%1십만원 이상
오성저축 인터넷 정기예금 복리식1.90%2.10%2.46%
상상인 중도해지 괜찮아 369 정기예금1.70%1.80%2.00%
페퍼루저축 중도해지 Free 정기예금1.80%1.80%1.85%
2금융권 1년이하 만기 확정금리 예금 이율 비교 테이블
2금융권은 1금융권의 은행들 보다 작고 잘 알려지지 않아 리스크가 높게 느껴질수 있습니다. 또한 2금융권기관은 상대적으로 운용자금이 적다보니 영업점 수가 매우 적고, 고객서비스가 1금융권보다 약할 수 있는것은 사실입니다. 하지만, 2금융권의 다양한 저축은행의 예금상품들은 1금융권처럼 원금과 이자를 포함한 5천만원 까지 예금보험공사에 의해 보호 받고 있고, 은행에 비해 금리가 높기 때문에 소액을 단기간만 예금하셔도 효율적으로 재테크를 할 수 있습니다. 또한, 5천만원이 넘는 큰 액수를 리스크 없이 예금하려 하신다면 여러 저축은행에 5천만원 이하를 예금하여 높은 수익과 낮은 리스크, 두마리 토끼를 동시에 잡으실 수도 있습니다. 위 밸류챔피언에서 선정한 2금융권 예금 상품 중 상상인저축은행의 "중도해지 괜찮아 369 정기예금"과 페퍼루 저축은행의 "중도해지 Free 정기예금"은 중도해지를 해도 높은 이율을 보장하기 때문에 예상치 못한 지출이 생겨도 높은 이율을 받으시고 예금액을 유동성있게 예치 하실 수 있습니다.

최고의 2금융권 장기 확정금리 예금

{"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 fixed_deposits: \uc624\uc131\uc800\ucd95\uc740\ud589 \uc778\ud130\ub137 \uc815\uae30\uc608\uae08 \ubcf5\ub9ac\uc2dd - Image\" data-eventlabel=\"\uc624\uc131\uc800\ucd95\uc740\ud589 \uc778\ud130\ub137 \uc815\uae30\uc608\uae08 \ubcf5\ub9ac\uc2dd\" rel=\"noopener\" target=\"_blank\" title=\"\uc624\uc131\uc800\ucd95\uc740\ud589 \uc778\ud130\ub137 \uc815\uae30\uc608\uae08 \ubcf5\ub9ac\uc2dd\" href=\"\/redirect?link=https%3A%2F%2Fwww.osungbank.co.kr%2F\"\u003E\u003Cimg alt=\"\uc624\uc131\uc800\ucd95\uc740\ud589 \uc778\ud130\ub137 \uc815\uae30\uc608\uae08 \ubcf5\ub9ac\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\/osung_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\/osung_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\/osung_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 fixed_deposits: \uc624\uc131\uc800\ucd95\uc740\ud589 \uc778\ud130\ub137 \uc815\uae30\uc608\uae08 \ubcf5\ub9ac\uc2dd - 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Button\" data-eventlabel=\"\uc0bc\ud638\uc800\ucd95\uc740\ud589 \uc815\uae30\uc608\uae08 \ubcf5\ub9ac\uc2dd (\ube44\ub300\uba74)\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc0bc\ud638\uc800\ucd95\uc740\ud589 \uc815\uae30\uc608\uae08 \ubcf5\ub9ac\uc2dd (\ube44\ub300\uba74)\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.samhosb.co.kr%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 fixed_deposits: \uc0bc\ud638\uc800\ucd95\uc740\ud589 \uc815\uae30\uc608\uae08 \ubcf5\ub9ac\uc2dd (\ube44\ub300\uba74) - Image\" data-eventlabel=\"\uc0bc\ud638\uc800\ucd95\uc740\ud589 \uc815\uae30\uc608\uae08 \ubcf5\ub9ac\uc2dd (\ube44\ub300\uba74)\" rel=\"noopener\" target=\"_blank\" title=\"\uc0bc\ud638\uc800\ucd95\uc740\ud589 \uc815\uae30\uc608\uae08 \ubcf5\ub9ac\uc2dd (\ube44\ub300\uba74)\" href=\"\/redirect?link=https%3A%2F%2Fwww.samhosb.co.kr%2F\"\u003E\u003Cimg alt=\"\uc0bc\ud638\uc800\ucd95\uc740\ud589 \uc815\uae30\uc608\uae08 \ubcf5\ub9ac\uc2dd (\ube44\ub300\uba74)\" 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\/samho_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\/samho_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\/samho_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 fixed_deposits: \uc0bc\ud638\uc800\ucd95\uc740\ud589 \uc815\uae30\uc608\uae08 \ubcf5\ub9ac\uc2dd (\ube44\ub300\uba74) - Button\" data-eventlabel=\"\uc0bc\ud638\uc800\ucd95\uc740\ud589 \uc815\uae30\uc608\uae08 \ubcf5\ub9ac\uc2dd (\ube44\ub300\uba74)\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc0bc\ud638\uc800\ucd95\uc740\ud589 \uc815\uae30\uc608\uae08 \ubcf5\ub9ac\uc2dd (\ube44\ub300\uba74)\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.samhosb.co.kr%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 fixed_deposits: \uc560\ud050\uc628\uc800\ucd95\uc740\ud589 \uc815\uae30\uc608\uae08 (\ubcf5\ub9ac) - Image\" data-eventlabel=\"\uc560\ud050\uc628\uc800\ucd95\uc740\ud589 \uc815\uae30\uc608\uae08 (\ubcf5\ub9ac)\" rel=\"noopener\" target=\"_blank\" title=\"\uc560\ud050\uc628\uc800\ucd95\uc740\ud589 \uc815\uae30\uc608\uae08 (\ubcf5\ub9ac)\" href=\"\/redirect?link=https%3A%2F%2Fwww.acuonsb.co.kr%2F\"\u003E\u003Cimg alt=\"\uc560\ud050\uc628\uc800\ucd95\uc740\ud589 \uc815\uae30\uc608\uae08 (\ubcf5\ub9ac)\" 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 fixed_deposits: \uc560\ud050\uc628\uc800\ucd95\uc740\ud589 \uc815\uae30\uc608\uae08 (\ubcf5\ub9ac) - Button\" data-eventlabel=\"\uc560\ud050\uc628\uc800\ucd95\uc740\ud589 \uc815\uae30\uc608\uae08 (\ubcf5\ub9ac)\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc560\ud050\uc628\uc800\ucd95\uc740\ud589 \uc815\uae30\uc608\uae08 (\ubcf5\ub9ac)\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.acuonsb.co.kr%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 fixed_deposits: \uc560\ud050\uc628\uc800\ucd95\uc740\ud589 \uc815\uae30\uc608\uae08 (\ubcf5\ub9ac) - Image\" data-eventlabel=\"\uc560\ud050\uc628\uc800\ucd95\uc740\ud589 \uc815\uae30\uc608\uae08 (\ubcf5\ub9ac)\" rel=\"noopener\" target=\"_blank\" title=\"\uc560\ud050\uc628\uc800\ucd95\uc740\ud589 \uc815\uae30\uc608\uae08 (\ubcf5\ub9ac)\" href=\"\/redirect?link=https%3A%2F%2Fwww.acuonsb.co.kr%2F\"\u003E\u003Cimg alt=\"\uc560\ud050\uc628\uc800\ucd95\uc740\ud589 \uc815\uae30\uc608\uae08 (\ubcf5\ub9ac)\" 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 fixed_deposits: \uc560\ud050\uc628\uc800\ucd95\uc740\ud589 \uc815\uae30\uc608\uae08 (\ubcf5\ub9ac) - Button\" data-eventlabel=\"\uc560\ud050\uc628\uc800\ucd95\uc740\ud589 \uc815\uae30\uc608\uae08 (\ubcf5\ub9ac)\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc560\ud050\uc628\uc800\ucd95\uc740\ud589 \uc815\uae30\uc608\uae08 (\ubcf5\ub9ac)\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.acuonsb.co.kr%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 fixed_deposits: \uc0bc\uc77c\uc800\ucd95\uc740\ud589 e-\uc815\uae30\uc608\uae08 - Image\" data-eventlabel=\"\uc0bc\uc77c\uc800\ucd95\uc740\ud589 e-\uc815\uae30\uc608\uae08\" rel=\"noopener\" target=\"_blank\" title=\"\uc0bc\uc77c\uc800\ucd95\uc740\ud589 e-\uc815\uae30\uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Fwww.samilbank.co.kr%2F\"\u003E\u003Cimg alt=\"\uc0bc\uc77c\uc800\ucd95\uc740\ud589 e-\uc815\uae30\uc608\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\/samil_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\/samil_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\/samil_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 fixed_deposits: \uc0bc\uc77c\uc800\ucd95\uc740\ud589 e-\uc815\uae30\uc608\uae08 - Button\" data-eventlabel=\"\uc0bc\uc77c\uc800\ucd95\uc740\ud589 e-\uc815\uae30\uc608\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc0bc\uc77c\uc800\ucd95\uc740\ud589 e-\uc815\uae30\uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.samilbank.co.kr%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 fixed_deposits: \uc0bc\uc77c\uc800\ucd95\uc740\ud589 e-\uc815\uae30\uc608\uae08 - Image\" data-eventlabel=\"\uc0bc\uc77c\uc800\ucd95\uc740\ud589 e-\uc815\uae30\uc608\uae08\" rel=\"noopener\" target=\"_blank\" title=\"\uc0bc\uc77c\uc800\ucd95\uc740\ud589 e-\uc815\uae30\uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Fwww.samilbank.co.kr%2F\"\u003E\u003Cimg alt=\"\uc0bc\uc77c\uc800\ucd95\uc740\ud589 e-\uc815\uae30\uc608\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\/samil_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\/samil_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\/samil_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 fixed_deposits: \uc0bc\uc77c\uc800\ucd95\uc740\ud589 e-\uc815\uae30\uc608\uae08 - Button\" data-eventlabel=\"\uc0bc\uc77c\uc800\ucd95\uc740\ud589 e-\uc815\uae30\uc608\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc0bc\uc77c\uc800\ucd95\uc740\ud589 e-\uc815\uae30\uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.samilbank.co.kr%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}

2금융권 2년이상 만기 확정금리 예금 이율 비교

상품명2년3년4년5년가입액
오성저축 인터넷 정기예금 복리식2.48%---1십만원 이상
삼호저축 정기예금 복리식 (비대면)2.24%2.37%--
애큐온 저축 정기예금--2.20%2.20%
삼일 저축 e-정기예금--2.16%2.16%
2금융권 2년이상 만기 확정금리 예금 이율 비교 테이블
만기기간이 길어질수록 금리가 오른다는 예상과 다르게, 만기가 4년을 넘으면, 2-3년 만기 예금보다 이율이 하락하는 것을 보실 수 있습니다. 연평균이율만 보면 이윤이 적게 보이실 수도 있지만, 기준 금리가 더 하락 할 것 같다면 현재 금리를 확보하는게 장기적으로 더 나은 재테크가 될 수 있습니다. 반대로 금리가 예상치 못하게 상승한다면 손해일 수 있으니 유의하시기 바랍니다.

최고의 2금융권 변동금리 예금

{"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 fixed_deposits: \ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\ub8e8 \uc911\ub3c4\ud574\uc9c0 FREE \uc815\uae30\uc608\uae08 - Image\" data-eventlabel=\"\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\ub8e8 \uc911\ub3c4\ud574\uc9c0 FREE \uc815\uae30\uc608\uae08\" rel=\"noopener\" target=\"_blank\" title=\"\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\ub8e8 \uc911\ub3c4\ud574\uc9c0 FREE \uc815\uae30\uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Fpepperbank.ibs.fsb.or.kr%2F\"\u003E\u003Cimg alt=\"\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\ub8e8 \uc911\ub3c4\ud574\uc9c0 FREE \uc815\uae30\uc608\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 fixed_deposits: \ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\ub8e8 \uc911\ub3c4\ud574\uc9c0 FREE \uc815\uae30\uc608\uae08 - Button\" data-eventlabel=\"\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\ub8e8 \uc911\ub3c4\ud574\uc9c0 FREE \uc815\uae30\uc608\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\ub8e8 \uc911\ub3c4\ud574\uc9c0 FREE \uc815\uae30\uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fpepperbank.ibs.fsb.or.kr%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 fixed_deposits: \ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\ub8e8 \uc911\ub3c4\ud574\uc9c0 FREE \uc815\uae30\uc608\uae08 - Image\" data-eventlabel=\"\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\ub8e8 \uc911\ub3c4\ud574\uc9c0 FREE \uc815\uae30\uc608\uae08\" rel=\"noopener\" target=\"_blank\" title=\"\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\ub8e8 \uc911\ub3c4\ud574\uc9c0 FREE \uc815\uae30\uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Fpepperbank.ibs.fsb.or.kr%2F\"\u003E\u003Cimg alt=\"\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\ub8e8 \uc911\ub3c4\ud574\uc9c0 FREE \uc815\uae30\uc608\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 fixed_deposits: \ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\ub8e8 \uc911\ub3c4\ud574\uc9c0 FREE \uc815\uae30\uc608\uae08 - Button\" data-eventlabel=\"\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\ub8e8 \uc911\ub3c4\ud574\uc9c0 FREE \uc815\uae30\uc608\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\ud398\ud37c\uc800\ucd95\uc740\ud589 \ud398\ud37c\ub8e8 \uc911\ub3c4\ud574\uc9c0 FREE \uc815\uae30\uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fpepperbank.ibs.fsb.or.kr%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 fixed_deposits: \uace0\ub824\uc800\ucd95\uc740\ud589 \ud68c\uc804\uc815\uae30\uc608\uae08\ubcf5\ub9ac - Image\" data-eventlabel=\"\uace0\ub824\uc800\ucd95\uc740\ud589 \ud68c\uc804\uc815\uae30\uc608\uae08\ubcf5\ub9ac\" rel=\"noopener\" target=\"_blank\" title=\"\uace0\ub824\uc800\ucd95\uc740\ud589 \ud68c\uc804\uc815\uae30\uc608\uae08\ubcf5\ub9ac\" href=\"\/redirect?link=https%3A%2F%2Fwww.goryosb.co.kr%2F\"\u003E\u003Cimg alt=\"\uace0\ub824\uc800\ucd95\uc740\ud589 \ud68c\uc804\uc815\uae30\uc608\uae08\ubcf5\ub9ac\" 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\/goryo_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\/goryo_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\/goryo_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 fixed_deposits: \uace0\ub824\uc800\ucd95\uc740\ud589 \ud68c\uc804\uc815\uae30\uc608\uae08\ubcf5\ub9ac - Button\" data-eventlabel=\"\uace0\ub824\uc800\ucd95\uc740\ud589 \ud68c\uc804\uc815\uae30\uc608\uae08\ubcf5\ub9ac\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uace0\ub824\uc800\ucd95\uc740\ud589 \ud68c\uc804\uc815\uae30\uc608\uae08\ubcf5\ub9ac\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.goryosb.co.kr%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 fixed_deposits: \uace0\ub824\uc800\ucd95\uc740\ud589 \ud68c\uc804\uc815\uae30\uc608\uae08\ubcf5\ub9ac - Image\" data-eventlabel=\"\uace0\ub824\uc800\ucd95\uc740\ud589 \ud68c\uc804\uc815\uae30\uc608\uae08\ubcf5\ub9ac\" rel=\"noopener\" target=\"_blank\" title=\"\uace0\ub824\uc800\ucd95\uc740\ud589 \ud68c\uc804\uc815\uae30\uc608\uae08\ubcf5\ub9ac\" href=\"\/redirect?link=https%3A%2F%2Fwww.goryosb.co.kr%2F\"\u003E\u003Cimg alt=\"\uace0\ub824\uc800\ucd95\uc740\ud589 \ud68c\uc804\uc815\uae30\uc608\uae08\ubcf5\ub9ac\" 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\/goryo_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\/goryo_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\/goryo_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 fixed_deposits: \uace0\ub824\uc800\ucd95\uc740\ud589 \ud68c\uc804\uc815\uae30\uc608\uae08\ubcf5\ub9ac - Button\" data-eventlabel=\"\uace0\ub824\uc800\ucd95\uc740\ud589 \ud68c\uc804\uc815\uae30\uc608\uae08\ubcf5\ub9ac\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uace0\ub824\uc800\ucd95\uc740\ud589 \ud68c\uc804\uc815\uae30\uc608\uae08\ubcf5\ub9ac\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.goryosb.co.kr%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 fixed_deposits: OSB\uc800\ucd95\uc740\ud589 CD\uc5f0\ub3d9 \uc7a5\uae30 \uc815\uae30\uc608\uae08 - Image\" data-eventlabel=\"OSB\uc800\ucd95\uc740\ud589 CD\uc5f0\ub3d9 \uc7a5\uae30 \uc815\uae30\uc608\uae08\" rel=\"noopener\" target=\"_blank\" title=\"OSB\uc800\ucd95\uc740\ud589 CD\uc5f0\ub3d9 \uc7a5\uae30 \uc815\uae30\uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Fwww.osb.co.kr%2Fib20%2Fmnu%2FHOM00070\"\u003E\u003Cimg alt=\"OSB\uc800\ucd95\uc740\ud589 CD\uc5f0\ub3d9 \uc7a5\uae30 \uc815\uae30\uc608\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\/osb_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\/osb_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\/osb_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 fixed_deposits: OSB\uc800\ucd95\uc740\ud589 CD\uc5f0\ub3d9 \uc7a5\uae30 \uc815\uae30\uc608\uae08 - Button\" data-eventlabel=\"OSB\uc800\ucd95\uc740\ud589 CD\uc5f0\ub3d9 \uc7a5\uae30 \uc815\uae30\uc608\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"OSB\uc800\ucd95\uc740\ud589 CD\uc5f0\ub3d9 \uc7a5\uae30 \uc815\uae30\uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.osb.co.kr%252Fib20%252Fmnu%252FHOM00070\"\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 fixed_deposits: OSB\uc800\ucd95\uc740\ud589 CD\uc5f0\ub3d9 \uc7a5\uae30 \uc815\uae30\uc608\uae08 - Image\" data-eventlabel=\"OSB\uc800\ucd95\uc740\ud589 CD\uc5f0\ub3d9 \uc7a5\uae30 \uc815\uae30\uc608\uae08\" rel=\"noopener\" target=\"_blank\" title=\"OSB\uc800\ucd95\uc740\ud589 CD\uc5f0\ub3d9 \uc7a5\uae30 \uc815\uae30\uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Fwww.osb.co.kr%2Fib20%2Fmnu%2FHOM00070\"\u003E\u003Cimg alt=\"OSB\uc800\ucd95\uc740\ud589 CD\uc5f0\ub3d9 \uc7a5\uae30 \uc815\uae30\uc608\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\/osb_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\/osb_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\/osb_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 fixed_deposits: OSB\uc800\ucd95\uc740\ud589 CD\uc5f0\ub3d9 \uc7a5\uae30 \uc815\uae30\uc608\uae08 - Button\" data-eventlabel=\"OSB\uc800\ucd95\uc740\ud589 CD\uc5f0\ub3d9 \uc7a5\uae30 \uc815\uae30\uc608\uae08\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"OSB\uc800\ucd95\uc740\ud589 CD\uc5f0\ub3d9 \uc7a5\uae30 \uc815\uae30\uc608\uae08\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuechampion.co.kr%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.osb.co.kr%252Fib20%252Fmnu%252FHOM00070\"\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 변동금리 예금 이율 비교

상품명예치기간현재금리가입액
페퍼저축 회전정기예금 (복리) 인터넷2년~5년1.96%1십만원 이상
고려저축 회전정기예금 복리1년~5년1.81%
OSB저축 CD연동장기 정기예금2년~3년2.30%
2금융권 변동금리 예금 이율 비교 테이블
2금융권은 많은 변동금리 예금 상품을 제공하지 않고, 대부분 상품들은 1년만기 이상인 장기 상품입니다. 하지만 최저예치액이 보통 3백만원을 넘었던 1금융권 변동금리 상품들과 달리 최저예치액이 10만원대로 비교적 매우 낮기 때문에, 적은 금액으로 장기적 변동금리상품에 투자 해보고 싶은 저축자에게 추천드립니다.

자주묻는질문

1금융권에는 모두에게 익숙한 시중은행 (국민, 하나, 신한, 우리)과 더불어 특수은행과 지방은행이 포함되어 있습니다. 규모가 크고 신용등급이 높아 금리는 낮은 편이지만 전국적으로 지점이 많고 고객유치에 투자를 많이 하기 때문에 예금하기에는 제일 편리한 곳입니다. 또한 저축은행중앙회 공시자료에 따르면 2금융권 기업들의 민원률은 십만명당 1.29건으로 1금융권보다 4배정도 많습니다. 그래도 높은 수준은 아니지만 유의하셔야 할 사항입니다. 2금융권은 증권사, 종합금융회사, 보험회사, 카드사, 캐피탈, 저축은행 등을 말합니다. 1금융권 보다는 리스크가 더 높지만 그만큼 높은 금리를 제공하여 저축에 유리하고, 대부분 예금상품은 1금융권처럼 예금보험공사의 보호를 받습니다.
확정금리 예금은 신규가입 당시 만기동안 금리가 고정되어있다는 뜻입니다. 변동금리는 예금기간동안 일정 회전기간(매월 혹은 매년)마다 금리가 실세시장금리를 반영하여 바뀝니다. 시장금리는 한국은행의 기준금리정책과 더불어 시장의 움직임에 바뀌는 경우가 많아 한국은행의 발표와 시장동향에 주시하여야 겠습니다.

시장 금리가 안정적이거나 인상중인 경우: 변동금리

많은 변동금리 상품은 확정금리 상품보다 리스크가 높기 때문에 같은 만기의 상품보다 금리가 0.1% 높은 편입니다. 게다가 기준금리까지 올라간다면, 그 만큼 이윤을 올리실 수 있습니다. 기준금리가 역대최저인 지금, 시장이 어떻게 반응할 지 지켜봐야 하겠습니다.

시장 금리가 인하중인 경우: 확정금리

시장금리가 인하중이거나 곧 인하 할것 같다면 금리가 더 떨어지기 전에 높은 확정금리를 확보하여 장기적인 이윤을 꾀하시는 것이 좋습니다.

복리 투자상품은 이미 입금된 이자에 이자를 더 받는다는 뜻입니다. 때문에 장기간 예치 해두실 경우 기하급수적인 성장을 보실 수 있는데요. 그 대신 금액을 한번 예치한뒤 이자를 잃지 않고 출금하기 어렵다는 단점이 있습니다. 반면 단리상품은 원금에만 이자를 받아 유동성이 높고 이자지급기간 마다 쓸수 있는 금액을 받는 장점이 있습니다. 이 외에도 단리 상품 총액을 만기지급 받거나 복리 상품 중도해지시 약정금리 적용등 금리를 바꿀수 있는 경우가 있을 수 있으니 주의 깊게 고려해보시고 결정하셔야 겠습니다.

예금리서치 방법론은?

이 예금분석에는 12개의 1금융권 은행들과 60개의 2금융권 저축은행의 예금상품 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
SBI저축은행OK저축은행한국투자저축은행
페퍼저축은행유진저축은행애큐온저축은행
상상인저축은행오성저축은행삼호저축은행
삼일저축은행고려저축은행OSB저축은행
등 60개 저축은행
예금 조사대상 은행 목록
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.