[1월 1주] Bank Term Deposit (12 months) Maximum interest rate of 1.30% per year K Bank’Code K Term Deposit’

[한국금융신문 김경찬 기자] The maximum interest rate for one-week bank term deposit (12 months) in January was 1.30% per year, the same as the previous week. With the benchmark interest rate entering the era of 0.5%, the lowest ever, the interest rate for deposits in banknotes continues to be cut. Even in the era of low interest rates, you can get an interest rate of 0.10%p by using special sales and preferential conditions.

According to’Financial Products at a Glance’, the Financial Supervisory Service’s integrated financial product comparison website as of the 3rd, K-Bank’s’Code K Term Deposit’, the number one in the pre-tax interest rate, provided 1.30%. K Bank’s’Code K Term Deposit’ can be subscribed through the Internet or smartphone, and there are no special preferential conditions.

Second place was Suhyup Bank’s’Hey Term Deposit’, which provided 1.20%. Suhyup Bank’s’Hey Term Deposit’ can be subscribed with a smartphone, and there are no special preferential conditions.

Third place was IBK IBK’s IBK D-DAY bankbook, which provided 1.16%, up 0.03%p from the previous week. IBK IBK’s’IBK D-DAY Passbook’ is a short-term medium-term bond product, exclusively for mobile bank’I-ONE 2.0′.

There are no preferential conditions, and it is possible to sign up for at least KRW 1 million and less than KRW 200 million, and deposit 30 days or more and less than 364 days, and interest rates vary depending on the contract period.

You can get 0.64% on 30 days, 0.95% on 92 days, 1.07% on 183 days, 1.12% on 275 days, and 1.16% on 364 days. It is a mobile-only product, and this product is not protected by the Korea Deposit Insurance Corporation under the Depositor Protection Act.

In fourth place, IBK IBK’s’IBK First Meeting Passbook’ provided 1.08%, up 0.03%p from the previous week. IBK IBK’s’IBK First Meeting Passbook’ is a product exclusively for mobile banking, and there is no preferential interest rate.

The fifth place was Jeonbuk Bank’s’JB Direct Bankbook’, Korea Standard Chartered Bank’s’e-Green Save Deposit’, Gwangju Bank’s’Solsol Han My School Deposit’, K-Bank’s’Priority Preferential Deposit’, and Citibank Korea’s It provided 1.10% as a’free style deposit’.

Jeonbuk Bank’s’JB Direct Bankbook’ is a product for non-face-to-face subscriptions such as the Internet and smartphones. There are no special preferential conditions.

You can sign up for at least 1 million won or more and less than 1 billion won, and the contract period can be automatically extended for up to 3 years in 1-year increments by selecting automatic extension among 3 months, 6 months, and 1 year. The rate of 0.80% for 3 months, 0.90% for 6 months, and 1.10% for 1 year is applied.

Standard Chartered Bank of Korea (SC First Bank)’s e-Green Save Deposit can be subscribed to via the Internet or smartphone. There are no special preferential conditions.

Gwangju Bank’s’Solsol Han My Cool Deposit’ can be subscribed to with a smartphone, and there is no preferential interest rate.

Additional preferential interest rates will be provided if the event conditions are met or a preferential interest rate coupon is issued, and will be applied only to accounts with maturity that meet the conditions.

Event conditions are posted on the Gwangju Bank Internet homepage during the event period, and automatically applied to the interest rate upon expiration of this deposit according to the conditions met. In addition, preferential interest rate coupons are issued when conditions are met by signing up for a specific product during a specific period or participating in various event activities through Gwangju Bank customer events.

K-Bank’s’Primary Transaction Preferential Term Deposit’ is provided by 0.30%p for pay transfers of 500,000 won or more, and when using check cards of 200,000 won or more. Customers who meet both are given preferential interest rates up to 0.40%p.

Citibank’s’Freestyle Deposit’ can be subscribed to branches, internet, and smartphones, and preferential interest rates are provided for new payments through mobile banking and internet banking. If the new amount per account is 1 million won or more and less than 50 million won, 0.80% for 3 months, 0.90% for 6 months, and 1.10% for 12 months are provided.

The sixth place is’KDB Hi Term Deposit’ of Korea Development Bank, which provided 1.05%, and’Sh Lifetime Stock Transaction Preferential Deposit’ of Suhyup Bank.

KDB’s’KDB Hi Term Deposit’ can be subscribed through the Internet or smartphone, and there are no special preferential conditions.

Suhyup Bank’s’Sh Lifetime Stock Transaction Preferential Deposit’ is a branch subscription product, and the maximum preferential interest rate is 0.40%p. It provides a maximum of 0.10%p of each 0.05%p for customers who sign up for the first deposit, re-deposit, and long-term transactions, and a maximum of 0.30%p for each of 0.10%p for payroll or pension transfer, payment with Suhyup Card, and utility bill transfer. .

In 7th place, Gyeongnam Bank’s’BNK The Joeun Term Deposit’, Busan Bank’s’SUM Term Deposit S’and Kakao Bank’s’Kakao Bank Term Deposit’ provided 1.00%.

Kyungnam Bank’s’BNK The Joeun Term Deposit’ can be subscribed to via the Internet or smartphone. If the subscription amount is 30 million won or more, 0.10%p is given, and 0.10%p is given when registering with the interest rate preferential coupon for new registration of this deposit. It provides preferential interest rates of 0.20%p per year.

Busan Bank’s’SUM Term Deposit S’is a smartphone subscription-only product, and there is no special preferential condition.

Kakao Bank’s’Kakao Bank Term Deposit’ is a smartphone subscription-only product and does not have special preferential conditions.

In the 8th place, NH Nonghyup Bank’s’NH Waltz Revolving Deposit II’ and Daegu Bank’s’Eco-friendly Green Deposit’ provided 0.91%.

NH Nonghyup Bank’s’NH Waltz Revolving Deposit II’ can be subscribed to both branches, internet, and smartphones, up 0.03%p from the previous week.

The preferential interest rate provides a maximum of 0.20%p. If there is a record of over 500,000 won in salary transfer, 0.10%p is provided, and 0.10%p is provided from the 4th rotation period.

Daegu Bank’s’Eco-friendly Green Deposit’ can be subscribed to through branches and the Internet, and the highest preferential interest rate is 0.30%p.

Preferential conditions are 0.10%p for passengers who participate in the day-of-week system, 0.05%p for customers with low-emission vehicles, 0.05%p for customers who participate in the carbon point system, and 0.05%p for customers who subscribe to groups related to cycling. In addition, 0.05%p additional preferential treatment is provided when signing up through internet or smart banking.

The 9th place was Daegu Bank’s’IM Smart Deposit’, which provided 0.90%, Suhyup Bank’s’Sh Marine Plastics Zero! Deposit’, Kyungnam Bank’s’e-Money Term Deposit’, and Shinhan Bank’s’Future Designed Crevas Pension Deposit’. , Suhyup Bank’s’I Love You Nanuri Deposit’, Woori Bank’s’Woori SUPER Term Deposit’, and Hana Bank’s’HanawonQ Term Deposit’.

Daegu Bank’s’IM Smart Deposit’ can be subscribed to via the Internet and a smartphone, and offers a maximum preferential interest rate of 0.25%p.

0.20%p is provided when holding housing subscription savings within 3 months from the date of registration (re-deposit date) or when one or more of the Daegu Bank credit (debit) card payments are satisfied. In addition, 0.05%p additional preferential treatment is provided when signing up through internet or smart banking.

Suhyup Bank’s’Sh Marine Plastic Zero! Deposit’ can be subscribed to through branches, internet, and smartphones, and the preferential interest rate is up to 0.35%p per year.

0.10%p for marine plastic reduction pledge, 0.15%p for volunteer activities or product promotion, 0.10%p for the first deposit/withdrawal passbook, and 0.10%p for automatic transfer of Suhyup credit card or current fund, installment savings, Suhyup check card to provide.

Kyongnam Bank’s’e-Money Term Deposit’ can be visited to a branch office or subscribed to the Internet, and a 0.05%p preferential interest rate is provided for new subscriptions by withdrawal from e-Money Savings Deposit.

Shinhan Bank’s’Future Designed Crevas Pension Deposit’ is a branch subscription product and has no special preferential conditions.

Suhyup Bank’s’Saranghae Nanuri Deposit’ is a product that subscribes to branches. If you are a donation payer, a blood donation certificate holder, a volunteer certificate holder, a fisherman or a fisherman, 0.10%p will be given preferential treatment and will not be applied twice.

Woori Bank’s’Woori SUPER Term Deposit’ can subscribe to branches, internet, and smartphones, and there are no special preferential conditions.

Hana Bank’s’Hanawon Q Term Deposit’ can be subscribed to with a smartphone and offers a maximum preferential interest rate of 0.20%p per year. If you agree to all items of product service marketing agreement before signing up, and maintain until expiration, 0.10%p is provided for new trials through Hana Bank withdrawal agreement with Hana Bank open banking service and open banking in other bank accounts.

In the 10th place, Gwangju Bank provided 0.87% of the’Mizu Monthly Welfare Term Deposit’. Gwangju Bank’s’Mizuwol Welfare Term Deposit’ can be subscribed to branches, internet, and smartphones, and the highest preferential interest rate is 0.20%p.

If a request for complaint is more than 5 million won, 0.2%p will be given, and 0.10%p will be given to those with more than 3 million won and less than 5 million won. In addition, if the credit (check) card payment performance is more than 5 million won by the end of the month before the new deposit date, 0.10%p is given preferential treatment, and 0.05%p if the normal payment amount is 3 million won or more by the end of the month before the new deposit date.

Subsequently, 0.10%p per year is provided as a preferential interest rate for happy events. In the event that the subscriber’s childbirth or marriage during the subscription period of this deposit, it is applicable only if the relevant evidence is submitted to the bank before the expiration of the fact.

The Financial Supervisory Service said, “Because the financial company’s transaction conditions such as the interest rate for each product may change from time to time and may be delayed, you must contact the financial company before trading.”

Reporter Kim Kyung-chan [email protected]