[1월 1주] Bank Term Deposit (24 months) Highest preferential interest rate of 1.55% per year… K-Bank’Main Transaction Preferential Term Deposit’

[한국금융신문 김경찬 기자] The maximum preferential interest rate for bank term deposit products for 24 months at a glance for the first week of January was 1.55%, 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. If you use the preferential conditions, you can receive preferential interest rates, so if you carefully look at the preferential conditions, you can receive a high interest rate even 0.1%.

According to’Financial Products at a Glance’, a financial product comparison and disclosure site by the Financial Supervisory Service on the 3rd, K-Bank provided 1.55% of’Primary Transaction Preferential Term Deposit’, with the highest preferential interest rate among bank term deposits as of 24 months.

K-Bank’s’Primary Transaction Preferential Term Deposit’ can be subscribed through the Internet and smartphone, and provides a maximum preferential interest rate of 0.40%p.

We provide an interest rate of 0.30%p to customers who have used a salary transfer of 500,000 won or more and a debit card of 200,000 won or more, and give preferential interest rates up to 0.40%p to those who meet both.

The second place is K Bank’s’Code K Term Deposit’, which provided 1.35%. K Bank’s’Code K Term Deposit’ can be subscribed through the Internet or smartphone, and there are no special preferential conditions.

In third place, Daegu Bank’s DGB Main Transaction Preferential Deposit (first meeting customer type) provided 1.33%. Daegu Bank’s’DGB Main Transaction Preferential Deposit (first meeting customer type)’ can be subscribed to through branches, internet, and smartphones.

The highest preferential interest rate is 0.65%p, which is 0.20%p for the first time signing up for the Mok-Dok Deposit, 0.20%p for new issuance of credit (debit) cards within the last 1 month, and 0.20%p for signing up for Internet, phone, and smart banking within the last 1 month. In addition, a non-face-to-face preferential interest rate of 0.05%p is additionally applied when signing up through the Internet or smart banking.

In fourth place, Kyongnam Bank’s’BNK The Joeun Term Deposit’ and Gwangju Bank’s’Mizu Monthly Welfare Term Deposit’ provided 1.25%.

Kyongnam Bank’s’BNK The Joeun Term Deposit’ can be subscribed through the Internet and smartphone, and if the subscription amount exceeds 30 million won, 0.10%p is given, and 0.10%p is given when registering a preferential interest rate coupon for new deposits.

Gwangju Bank’s’Mizuwol Welfare Term Deposit’ can be subscribed to branches, internet, and smartphones, up 0.01%p from the previous week. 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 fifth place was Daegu Bank’s’Eco-friendly Green Deposit’, which provided 1.23%. 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.

In the 6th place, Daegu Bank’s’IM Smart Deposit’, Jeonbuk Bank’s’JB Main Transaction Deposit’, and Jeonbuk Bank’s’Smart Term Deposit’ provided 1.20%.

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.

Jeonbuk Bank’s’JB Main Transaction Deposit’ can be subscribed to branches, internet, and smartphones, and preferential interest rates are provided up to 0.60%p per year.

First-time customers and long-term customers who have passed the new standard of 3 years or more are given 0.10%p per year, and 0.10%p per year if they have a JB stock account. You can receive preferential treatment of 0.20%p per year when you have payments of salary, pension, and affiliated store payments, 0.10%p per year when you purchase a card, and 0.10%p per year when you withdraw from utility bills.

Jeonbuk Bank’s’Smart Term Deposit’ can be subscribed through the Internet or smartphone. It provides 0.15%p just by signing up without a separate transaction.

In addition, preferential conditions are 0.10%p if you have a JB Salary Plus bankbook at the time of sign-up, 0.10%p per year for customers using a credit card within the last 1 month, 0.10%p for deposits for 2 years or more, and 0.20% per year for 3 years or more p Gives preferential interest rates.

Seventh place was Gwangju Bank’s’Smart Moa Dream Term Deposit’, which provided 1.15%, up 0.01%p from the previous week. Gwangju Bank’s’Smart Moa Dream Term Deposit’ is an internet and smartphone subscription product.

If you sign up over 10 million won, you get a maximum of 0.20%p preferential treatment, and the preferential interest rate coupon is issued when you subscribe to a specific product during a specific period through Gwangju Bank customer events or participate in various event activities to achieve the conditions.

In the 8th place, Busan Bank’s’Simple Term Deposit’ and Shinhan Bank’s’Easy Term Deposit’ provided 1.10%.

Busan Bank’s’Simple Term Deposit’ can be subscribed to branches and smartphones, and offers a maximum preferential interest rate of 0.20%p.

Busan Bank regular payment of 100,000 won or more, automatic transfer of utility bills or apartment management expenses, Busan Bank BC card payment performance (including debit card), and Busan Bank Some Bank regular membership conditions 0.10%p, 2 are satisfied When three or more are satisfied, 0.15%p is provided.

Shinhan Bank’s’Convenient Time Deposit’ can be subscribed through the Internet or smartphone, and there are no special preferential conditions.

The 9th place provided 1.05% of NH Nongshim-Farmers’ Mind Term Deposit by Nonghyup Bank and Kakao Bank’s Kakao Bank Term Deposit.

NH Nonghyup Bank’s’NH Nongshim-Farmers’ Mind Term Deposit’ can be subscribed to both branches, internet, and smartphones, and provides a maximum preferential interest rate of 0.40%p. NH Chaeum Card Preferential Conditions (Nongshim Performance) 0.20%p for monthly average of 150,000 won or more, 0.20%p for NH Nonghyup-Farmers’ Mind Savings, and 0.20%p for nonghyup bank salary transfer for more than 3 months.

Kakao Bank’s’Kakao Bank Term Deposit’ is a smartphone subscription-only product, and there are no special preferential conditions.

In the 10th place, Korea Development Bank’s’KDBdream Term Deposit’, Hana Bank’s’N Plus Term Deposit’, and Shinhan Bank’s’Future Designed Crevas Pension Deposit’ provided 1.00%.

Korea Development Bank’s’KDBdream Term Deposit’ can be subscribed to branches, internet, and smartphones. When a KDBdream Account subscriber signs up for this deposit, 0.10%p is given preferential treatment.

Hana Bank’s’N Plus Term Deposit is a product that can be subscribed to by smartphone or telebanking. You can get preferential treatment up to 0.30%p.

First transaction customer 0.10%p, smart phone banking transfer twice or more annually 0.10%p, subscription total savings new annual 0.10%p, apartment management fee new transfer 0.10%p annually, Hana Members app login at least once 0.10%p annually, new salary transfer 0.10%p per year is provided for transfer records after registration.

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

The 11th place provided 0.96% of Woori Bank’s’WON deposit’. Woori Bank’s’WON Deposit’ can be signed up with a smartphone. Upon termination of maturity, an additional interest rate equal to the basic deposit rate at the time of the new date is provided.

In 12th place, Woori Bank’s’Woori SUPER Term Deposit’ provided 0.90%. Woori Bank’s’Woori SUPER Term Deposit’ can subscribe to branches, internet, and smartphones, and there are no special preferential conditions.

In 13th place, Jeju Bank’s’Cyber-Preferred Term Deposit (Maturity Payment-General)’ and Gwangju Bank’s’Plus Damoa Deposit’ provided 0.85%.

Jeju Bank’s’Cyber ​​Preferential Term Deposit (Maturity Payment-General)’ can be subscribed through the Internet, smartphone, or telebanking.

Preferential conditions are: 0.10%p per year if the new deposit is registered for more than 6 months and less than 12 months, 0.30%p per year for more than 12 months and less than 35 months, and 0.20%p per year for more than 36 months. In addition, customers who sign up for a coveted J-worker’s bankbook or a coveted J-share transaction passbook receive an additional 0.10%p preferential treatment when signing up for this product after meeting the basic preference requirements.

Gwangju Bank’s’Plus Damoa Deposit’ can be subscribed to branches and online, up 0.01%p from the previous week.

There are no special preferential conditions, and preferential interest rate coupons are issued when the 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.

In 14th place, Citibank’s’freestyle deposit’ provided 0.80%. 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, 1.10% for 12 months, and 0.80% for 18 months or more are provided.

In the 15th place, Korea Development Bank provided 0.79% of’time deposit’. KDB’s’Term Deposits’ can be subscribed to at branches and on the Internet, and there are no special preferential conditions.

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]