<p>투자의기본은<b>유휴자금의최소화</b>라고합니다.실제로많은직장인들이나주부들이그냥통장에방치해둔돈도꽤많다고하죠.하지만이런자금을계속운용하면서수익을창출해나가는것이투자의기본입니다.그리고이런방치된돈을가장대표적이고안정적으로활용하는것이바로‘예금’입니다.</p><p>그렇다면어떤예금상품을선택해서어떻게활용해야할까요?<ahref="https://banksalad.com/contents/295"target="_blank"onclick="ga('send','event','2017년BEST예금이동','이동_매거진상세','2017년BEST예금_295');fbq('trackCustom','이동_매거진상세',{timeStamp:newDate(),category:'2017년BEST예금이동',label:'2017년BEST예금_295'});"title="2017년BEST예금이동">2017년BEST예금</a>과<ahref="https://banksalad.com/contents/320"target="_blank"onclick="ga('send','event','예적금선택시고려사항이동','이동_매거진상세','예적금선택시고려사항_320');fbq('trackCustom','이동_매거진상세',{timeStamp:newDate(),category:'예적금선택시고려사항이동',label:'예적금선택시고려사항_320'});"title="예,적금선택시고려사항이동">예,적금선택시고려사항</a>을참고해주시기바랍니다!이번에는예금의기본중의기본금리에따른BEST예금을소개하겠습니다.</p><br><br><h2>선정방식</h2><br><divclass="note"style="background:#FFFFFF;"><pstyle="padding-top:0px;padding-bottom:0px;font-size:14px;">30대직장인이천만원을12개월간예치한다고가정하였습니다.우대금리조건을확인하고매번충족시키는것이어렵고귀찮은경우기본금리가높은상품을선택하는것이가장확실합니다.‘기본금리’가가장높은상품을1금융권/2금융권분류하였습니다.</p></div><br><br><h2>제1금융권</h2><divclass="contents__detail__image__containergreater-than-mobile"><imgalt="기본금리가높은제1금융권BEST예금별기본금리,특징비교"src="https://cdn.banksalad.com/content/upload/images/content-upload-images-7344056579.jpg"><ahref="https://www.kakaobank.com/Help/Guide/Faq"rel="nofollow"onclick="ga('send','event','제1금융권BEST예금표','신청','해당금융사로이동_카카오뱅크_정기예금');fbq('trackCustom','신청',{timeStamp:newDate(),category:'제1금융권BEST예금표',label:'해당금융사로이동_카카오뱅크_정기예금'});"style="position:absolute;left:2.32%;top:25.93%;width:16.64%;height:10.7%;z-index:2;"target="_blank"title="제1금융권BEST예금카카오뱅크정기예금해당금융사로이동"><spanclass="blind">카카오뱅크정기예금해당금융사로이동</span><spanclass="blind">기본금리2.00%</span><spanclass="blind">우대금리없음</span><spanclass="blind">가입기간1개월~36개월</span><spanclass="blind">가입금액100만원~제한없음</span><spanclass="blind">특징긴급출금최대2회(중도해지금리로지급)</span></a><ahref="http://www.kjbank.com/banking/index.jsp"rel="nofollow"onclick="ga('send','event','제1금융권BEST예금표','신청','해당금융사로이동_광주은행_쏠쏠한마이쿨예금');fbq('trackCustom','신청',{timeStamp:newDate(),category:'제1금융권BEST예금표',label:'해당금융사로이동_광주은행_쏠쏠한마이쿨예금'});"style="position:absolute;left:2.32%;top:55.93%;width:16.64%;height:10.7%;z-index:2;"target="_blank"title="제1금융권BEST예금광주은행쏠쏠한마이쿨예금해당금융사로이동"><spanclass="blind">광주은행쏠쏠한마이쿨예금해당금융사로이동</span><spanclass="blind">기본금리1.90%</span><spanclass="blind">우대금리없음</span><spanclass="blind">가입기간1년제</span><spanclass="blind">가입금액100만원~5,000만원</span><spanclass="blind">특징스마트뱅킹가입,분할해지불가</span></a><ahref="https://www.jbbank.co.kr"rel="nofollow"onclick="ga('send','event','제1금융권BEST예금표','신청','해당금융사로이동_전북은행_JB다이렉트예금통장');fbq('trackCustom','신청',{timeStamp:newDate(),category:'제1금융권BEST예금표',label:'해당금융사로이동_전북은행_JB다이렉트예금통장'});"style="position:absolute;left:2.32%;top:85.58%;width:16.64%;height:10.7%;z-index:2;"target="_blank"title="제1금융권BEST예금전북은행JB다이렉트예금통장해당금융사로이동"><spanclass="blind">전북은행JB다이렉트예금통장해당금융사로이동</span><spanclass="blind">기본금리1.80%</span><spanclass="blind">우대금리없음</span><spanclass="blind">가입기간1년제</span><spanclass="blind">가입금액100만원~10억원</span><spanclass="blind">특징인터넷뱅킹/스마트뱅킹가입,분할해지불가</span></a></div><divclass="contents__detail__image__containerless-than-mobile"><imgalt="기본금리가높은제1금융권BEST예금별기본금리,특징비교"src="https://cdn.banksalad.com/content/upload/images/content-upload-images-1992811232.jpg"><ahref="https://www.kakaobank.com/Help/Guide/Faq"rel="nofollow"onclick="ga('send','event','제1금융권BEST예금표','신청','해당금융사로이동_카카오뱅크_정기예금');fbq('trackCustom','신청',{timeStamp:newDate(),category:'제1금융권BEST예금표',label:'해당금융사로이동_카카오뱅크_정기예금'});"style="position:absolute;left:56.91%;top:1.84%;width:37.83%;height:4.97%;z-index:2;"target="_blank"title="제1금융권BEST예금카카오뱅크정기예금해당금융사로이동"><spanclass="blind">카카오뱅크정기예금해당금융사로이동</span><spanclass="blind">기본금리2.00%</span><spanclass="blind">우대금리없음</span><spanclass="blind">가입기간1개월~36개월</span><spanclass="blind">가입금액100만원~제한없음</span><spanclass="blind">특징긴급출금최대2회(중도해지금리로지급)</span></a><ahref="http://www.kjbank.com/banking/index.jsp"rel="nofollow"onclick="ga('send','event','제1금융권BEST예금표','신청','해당금융사로이동_광주은행_쏠쏠한마이쿨예금');fbq('trackCustom','신청',{timeStamp:newDate(),category:'제1금융권BEST예금표',label:'해당금융사로이동_광주은행_쏠쏠한마이쿨예금'});"style="position:absolute;left:56.91%;top:35.15%;width:37.83%;height:4.97%;z-index:2;"target="_blank"title="제1금융권BEST예금광주은행쏠쏠한마이쿨예금해당금융사로이동"><spanclass="blind">광주은행쏠쏠한마이쿨예금해당금융사로이동</span><spanclass="blind">기본금리1.90%</span><spanclass="blind">우대금리없음</span><spanclass="blind">가입기간1년제</span><spanclass="blind">가입금액100만원~5,000만원</span><spanclass="blind">특징스마트뱅킹가입,분할해지불가</span></a><ahref="https://www.jbbank.co.kr"rel="nofollow"onclick="ga('send','event','제1금융권BEST예금표','신청','해당금융사로이동_전북은행_JB다이렉트예금통장');fbq('trackCustom','신청',{timeStamp:newDate(),category:'제1금융권BEST예금표',label:'해당금융사로이동_전북은행_JB다이렉트예금통장'});"style="position:absolute;left:56.91%;top:68.36%;width:37.83%;height:4.97%;z-index:2;"target="_blank"title="제1금융권BEST예금전북은행JB다이렉트예금통장해당금융사로이동"><spanclass="blind">전북은행JB다이렉트예금통장해당금융사로이동</span><spanclass="blind">기본금리1.80%</span><spanclass="blind">우대금리없음</span><spanclass="blind">가입기간1년제</span><spanclass="blind">가입금액100만원~10억원</span><spanclass="blind">특징인터넷뱅킹/스마트뱅킹가입,분할해지불가</span></a></div><pstyle="padding:0px0;">최근돌풍을일으키고있는인터넷은행은예금에서도그강세를이어가고있습니다.</p><p><b>한국카카오은행의카카오뱅크정기예금</b>은1금융권전체에서가장높은기본금리를보여주고있습니다.기본적으로예금거치중급한일로돈이필요할때가있습니다.이런경우예금을해지하고해지이율이적용되어손해를보는경우가있는데,카카오뱅크는2회까지긴급출금하여예금을취소하지않고금액을사용할수있습니다.(출금한금액은중도해지금리이자가지급됩니다)</p><p>광주은행의<b>‘쏠쏠한마이쿨예금’</b>이기본금리<b>1.9%</b>로그뒤를이었는데요.개인및개인사업자중<b>광주은행신규고객</b>을대상으로하는예금상품으로최근6개월간광주은행예,적금등의상품거래실적이없다면가입이가능합니다.또한,스마트뱅킹가입상품으로영업점을방문하지않고쉽게가입이가능하다는점에서선정했습니다.하지만,분할해지가불가능하니중도해지는피하는것이좋습니다.</p><p>마지막은전북은행의<b>JB다이렉트예금통장</b>입니다.기본금리는<b>1.8%</b>이고다이렉트상품이기때문에스마트폰과인터넷을통해가입이가능합니다.가입기간은상대적으로짧은1년이지만가입금액은10억원까지가능하다는장점이있습니다.하지만,JB다이렉트예금통장또한분할해지가불가능하기때문에주의하시기바랍니다.</p><br><br><br><h2>제2금융권</h2><divclass="contents__detail__image__containergreater-than-mobile"><imgalt="기본금리가높은제2금융권BEST예금별기본금리,특징비교"src="https://cdn.banksalad.com/content/upload/images/content-upload-images-3099104587.jpg"><ahref="http://www.hyundaisb.com/"rel="nofollow"onclick="ga('send','event','제2금융권BEST예금표','신청','해당금융사로이동_현대저축은행_e정기예금(복리)');fbq('trackCustom','신청',{timeStamp:newDate(),category:'제2금융권BEST예금표',label:'해당금융사로이동_현대저축은행_e정기예금(복리)'});"style="position:absolute;left:2.32%;top:25.93%;width:16.64%;height:10.7%;z-index:2;"target="_blank"title="제2금융권BEST예금현대저축은행e정기예금(복리)해당금융사로이동"><spanclass="blind">현대저축은행e정기예금(복리)해당금융사로이동</span><spanclass="blind">기본금리2.63%</span><spanclass="blind">우대금리없음</span><spanclass="blind">가입기간1개월~120개월</span><spanclass="blind">가입금액10만원이상</span><spanclass="blind">특징인터넷뱅킹/스마트뱅킹/SB톡톡통해가입</span></a><ahref="http://www.yegaramsb.co.kr/ib20/mnu/yeg00131"rel="nofollow"onclick="ga('send','event','제2금융권BEST예금표','신청','해당금융사로이동_예가람저축은행_e정기예금(복리)');fbq('trackCustom','신청',{timeStamp:newDate(),category:'제2금융권BEST예금표',label:'해당금융사로이동_예가람저축은행_e정기예금(복리)'});"style="position:absolute;left:2.32%;top:55.93%;width:16.64%;height:10.7%;z-index:2;"target="_blank"title="제2금융권BEST예가람저축은행e정기예금(복리)해당금융사로이동"><spanclass="blind">예가람저축은행e정기예금(복리)해당금융사로이동</span><spanclass="blind">기본금리2.58%</span><spanclass="blind">우대금리없음</span><spanclass="blind">가입기간1개월~36개월</span><spanclass="blind">가입금액100만원~5,000만원</span><spanclass="blind">특징긴급출금최대3회,스마트뱅킹가입</span></a><ahref="https://www.jtchinae-bank.co.kr/deposit/fixedDeposit.do"rel="nofollow"onclick="ga('send','event','제2금융권BEST예금표','신청','해당금융사로이동_JT친애저축은행_정기예금(복리)');fbq('trackCustom','신청',{timeStamp:newDate(),category:'제2금융권BEST예금표',label:'해당금융사로이동_JT친애저축은행_정기예금(복리)'});"style="position:absolute;left:2.32%;top:85.58%;width:16.64%;height:10.7%;z-index:2;"target="_blank"title="제2금융권BEST예금JT친애저축은행정기예금(복리)해당금융사로이동"><spanclass="blind">JT친애저축은행정기예금(복리)해당금융사로이동</span><spanclass="blind">기본금리2.52%</span><spanclass="blind">우대금리없음</span><spanclass="blind">가입기간2개월~120개월</span><spanclass="blind">가입금액100만원~10억원</span><spanclass="blind">특징영업점마다기준금리변동가능</span></a></div><divclass="contents__detail__image__containerless-than-mobile"><imgalt="기본금리가높은제2금융권BEST예금별기본금리,특징비교"src="https://cdn.banksalad.com/content/upload/images/content-upload-images-2845024256.jpg"><ahref="http://www.hyundaisb.com/"rel="nofollow"onclick="ga('send','event','제2금융권BEST예금표','신청','해당금융사로이동_현대저축은행_e정기예금(복리)');fbq('trackCustom','신청',{timeStamp:newDate(),category:'제2금융권BEST예금표',label:'해당금융사로이동_현대저축은행_e정기예금(복리)'});"style="position:absolute;left:56.91%;top:1.84%;width:37.83%;height:4.97%;z-index:2;"target="_blank"title="제2금융권BEST예금현대저축은행e정기예금(복리)해당금융사로이동"><spanclass="blind">현대저축은행e정기예금(복리)해당금융사로이동</span><spanclass="blind">기본금리2.63%</span><spanclass="blind">우대금리없음</span><spanclass="blind">가입기간1개월~120개월</span><spanclass="blind">가입금액10만원이상</span><spanclass="blind">특징인터넷뱅킹/스마트뱅킹/SB톡톡통해가입</span></a><ahref="http://www.yegaramsb.co.kr/ib20/mnu/yeg00131"rel="nofollow"onclick="ga('send','event','제2금융권BEST예금표','신청','해당금융사로이동_예가람저축은행_e정기예금(복리)');fbq('trackCustom','신청',{timeStamp:newDate(),category:'제2금융권BEST예금표',label:'해당금융사로이동_예가람저축은행_e정기예금(복리)'});"style="position:absolute;left:56.91%;top:35.15%;width:37.83%;height:4.97%;z-index:2;"target="_blank"title="제2금융권BEST예가람저축은행e정기예금(복리)해당금융사로이동"><spanclass="blind">예가람저축은행e정기예금(복리)해당금융사로이동</span><spanclass="blind">기본금리2.58%</span><spanclass="blind">우대금리없음</span><spanclass="blind">가입기간1개월~36개월</span><spanclass="blind">가입금액100만원~5,000만원</span><spanclass="blind">특징긴급출금최대3회,스마트뱅킹가입</span></a><ahref="https://www.jtchinae-bank.co.kr/deposit/fixedDeposit.do"rel="nofollow"onclick="ga('send','event','제2금융권BEST예금표','신청','해당금융사로이동_JT친애저축은행_정기예금(복리)');fbq('trackCustom','신청',{timeStamp:newDate(),category:'제2금융권BEST예금표',label:'해당금융사로이동_JT친애저축은행_정기예금(복리)'});"style="position:absolute;left:56.91%;top:68.36%;width:37.83%;height:4.97%;z-index:2;"target="_blank"title="제2금융권BEST예금JT친애저축은행정기예금(복리)해당금융사로이동"><spanclass="blind">JT친애저축은행정기예금(복리)해당금융사로이동</span><spanclass="blind">기본금리2.52%</span><spanclass="blind">우대금리없음</span><spanclass="blind">가입기간2개월~120개월</span><spanclass="blind">가입금액100만원~10억원</span><spanclass="blind">특징영업점마다기준금리변동가능</span></a></div><pstyle="padding:0px0;">기본적으로2금융권의금리가1금융권보다높습니다.뿐만아니라고객에게좋은‘복리’상품을제공하는경우가많죠.복잡한우대금리를제공하지않으면서높은기본금리를제공하기때문에사실상최고의예금상품이라고할수있습니다.단점으로지목되고있는접근성문제와안정성문제는,비대면채널(인터넷,모바일)상품과예금자보호법(5천만원이내보장)을통해서충분히보완이가능합니다.오히려비대면채널가입시더높은금리로상품을제공하는경우도있습니다.</p><p>가장높은기본금리를제공하는상품은<b>현대저축은행의‘e정기예금(복리)’</b>입니다.기본금리는2.63%로가장높고가입기간은최장10년까지가능합니다.다만,중도해지시1%이하의금리가적용되니상황에맞게예치기간을설정하시기바랍니다.비대면채널전용상품으로저축은행중앙회어플인‘SB톡톡’을통해서도가입이가능합니다.</p><p>다음은<b>예가람저축은행의‘e-정기예금(복리)’</b>입니다.다른두상품과다르게긴급출금이가능하다는장점이있습니다.만기해지를포함하여최대4회까지분할해지가가능합니다.이상품도인터넷전용상품으로가입과해지모두인터넷으로이루어지니참고하시기바랍니다.</p><p>3위는<b>JT친애저축은행정기예금</b>입니다.인터넷가입시기본금리는2.52%입니다.하지만,영업점마다기본금리가변동할가능성이있다는점,기억해주세요!</p><br><br><br><br><p>지금까지기본금리BEST예금을살펴보았습니다.말그대로기본금리에있어서최고의상품들을선정하였기때문에다른조건들에따라나에게맞는최고의예금상품은달라질수있습니다.뱅크샐러드의‘<ahref="https://banksalad.com/deposits/questions"target="_blank"onclick="ga('send','event','나의BEST예금찾기이동','이동_예금BEST설문','나의BEST예금찾기');fbq('trackCustom','이동_예금BEST설문',{timeStamp:newDate(),category:'나의BEST예금찾기이동',label:'나의BEST예금찾기'});"title="나의BEST예금찾기이동">나의BEST예금찾기</a>’를활용하면우대금리를포함하여본인에게더잘맞는예금을찾을수있습니다.또한상품별금리는은행사정으로변경될수있기때문에가입전확인바랍니다!</p>