<p>목돈을모으기위해가장먼저고려해보는상품은아마‘적금’일것입니다.하지만,매달고정비처럼나가는금액이부담스럽거나,갑작스러운사고로적금을해지하는경우가생기기도하죠.이런문제를해결하고자등장한상품이바로“<b>자유적금</b>”입니다.자유적금은만기까지본인이원하는금액을자유롭게납입하는형태로,본인의경제력이나상황에맞게적립할수있다는장점을가지고있습니다.정액적립식보다는금리가낮지만,자유롭게입금할수있다는점에서만기유지율이높습니다.효율적인자유적금선택을위해,뱅크샐러드에서BEST자유적금상품을선정해보았습니다.</p><br/><br/><h2>선정기준</h2><br/><divclass="note"style="background:#FFFFFF;"><pstyle="padding-top:0px;padding-bottom:0px;font-size:14px;">가입대상이군인이나사회적배려대상자등으로제한이있는상품은제외하였으며,선호도가가장높은‘1년’을만기로하는상품을대상으로선정했습니다.</p></div><br/><br/><h1>제1금융권BEST적금</h1><divclass="contents__detail__image__containergreater-than-mobile"><imgalt="제1금융권BEST자유적금별금리,매월납입한도비교"src="https://cdn.banksalad.com/content/upload/images/content-upload-images-2584922785.jpg"><ahref="https://www.kbanknow.com/ib20/mnu/PBKMAN000000"rel="nofollow"onclick="ga('send','event','제1금융권BEST적금표','신청','해당금융사로이동_케이뱅크_코드k자유적금');fbq('trackCustom','신청',{timeStamp:newDate(),category:'제1금융권BEST적금표',label:'해당금융사로이동_케이뱅크_코드k자유적금'});"style="position:absolute;left:22.98%;top:19.54%;width:16.62%;height:11.41%;z-index:2;"target="_blank"title="제1금융권BEST적금케이뱅크코드K자유적금해당금융사로이동"><spanclass="blind">케이뱅크코드K자유적금</span><spanclass="blind">기본금리1.5%</span><spanclass="blind">우대금리0.7%(케이뱅크우대코드),0.8%(제휴사우대코드)</span><spanclass="blind">최고금리2.3%</span><spanclass="blind">매월납입한도1만원~300만원</span></a><ahref="https://www.kakaobank.com/"rel="nofollow"onclick="ga('send','event','제1금융권BEST적금표','신청','해당금융사로이동_카카오뱅크_자유적금');fbq('trackCustom','신청',{timeStamp:newDate(),category:'제1금융권BEST적금표',label:'해당금융사로이동_카카오뱅크_자유적금'});"style="position:absolute;left:22.98%;top:43.45%;width:16.62%;height:11.41%;z-index:2;"target="_blank"title="제1금융권BEST적금카카오뱅크자유적금해당금융사로이동"><spanclass="blind">카카오뱅크자유적금</span><spanclass="blind">기본금리2.0%</span><spanclass="blind">우대금리0.2%</span><spanclass="blind">최고금리2.2%</span><spanclass="blind">매월납입한도1000원~300만원</span></a><ahref="https://www.wooribank.com/"rel="nofollow"onclick="ga('send','event','제1금융권BEST적금표','신청','해당금융사로이동_우리은행_우리스마트폰적금');fbq('trackCustom','신청',{timeStamp:newDate(),category:'제1금융권BEST적금표',label:'해당금융사로이동_우리은행_우리스마트폰적금'});"style="position:absolute;left:22.9%;top:63.59%;width:16.76%;height:11.41%;z-index:2;"target="_blank"title="제1금융권BEST적금우리은행우리스마트폰적금해당금융사로이동"><spanclass="blind">우리은행우리스마트폰적금</span><spanclass="blind">기본금리2.0%</span><spanclass="blind">우대금리0.2%</span><spanclass="blind">최고금리2.2%</span><spanclass="blind">매월납입한도50만원</span></a><ahref="https://www.shinhan.com/index.jsp"rel="nofollow"onclick="ga('send','event','제1금융권BEST적금표','신청','해당금융사로이동_신한은행_신한스마트적금');fbq('trackCustom','신청',{timeStamp:newDate(),category:'제1금융권BEST적금표',label:'해당금융사로이동_신한은행_신한스마트적금'});"style="position:absolute;left:22.98%;top:83.98%;width:16.62%;height:11.04%;z-index:2;"target="_blank"title="제1금융권BEST적금신한은행신한스마트적금(s뱅크)해당금융사로이동"><spanclass="blind">신한은행신한스마트적금(s뱅크)</span><spanclass="blind">기본금리1.8%</span><spanclass="blind">우대금리-</span><spanclass="blind">최고금리1.8%</span><spanclass="blind">매월납입한도1000원~100만원</span></a></div><divclass="contents__detail__image__containerless-than-mobile"><imgalt="제1금융권BEST자유적금별금리,매월납입한도비교"src="https://cdn.banksalad.com/content/upload/images/content-upload-images-9569891361.jpg"><ahref="https://www.kbanknow.com/ib20/mnu/PBKMAN000000"rel="nofollow"onclick="ga('send','event','제1금융권BEST적금표','신청','해당금융사로이동_케이뱅크_코드k자유적금');fbq('trackCustom','신청',{timeStamp:newDate(),category:'제1금융권BEST적금표',label:'해당금융사로이동_케이뱅크_코드k자유적금'});"style="position:absolute;left:56.91%;top:1.56%;width:37.83%;height:4.52%;z-index:2;"target="_blank"title="제1금융권BEST적금케이뱅크코드K자유적금해당금융사로이동"><spanclass="blind">케이뱅크코드K자유적금</span><spanclass="blind">기본금리1.5%</span><spanclass="blind">우대금리0.7%(케이뱅크우대코드),0.8%(제휴사우대코드)</span><spanclass="blind">최고금리2.3%</span><spanclass="blind">매월납입한도1만원~300만원</span></a><ahref="https://www.kakaobank.com/"rel="nofollow"onclick="ga('send','event','제1금융권BEST적금표','신청','해당금융사로이동_카카오뱅크_자유적금');fbq('trackCustom','신청',{timeStamp:newDate(),category:'제1금융권BEST적금표',label:'해당금융사로이동_카카오뱅크_자유적금'});"style="position:absolute;left:56.91%;top:28.31%;width:37.83%;height:4.57%;z-index:2;"target="_blank"title="제1금융권BEST적금카카오뱅크자유적금해당금융사로이동"><spanclass="blind">카카오뱅크자유적금</span><spanclass="blind">기본금리2.0%</span><spanclass="blind">우대금리0.2%</span><spanclass="blind">최고금리2.2%</span><spanclass="blind">매월납입한도1000원~300만원</span></a><ahref="https://www.wooribank.com/"rel="nofollow"onclick="ga('send','event','제1금융권BEST적금표','신청','해당금융사로이동_우리은행_우리스마트폰적금');fbq('trackCustom','신청',{timeStamp:newDate(),category:'제1금융권BEST적금표',label:'해당금융사로이동_우리은행_우리스마트폰적금'});"style="position:absolute;left:56.91%;top:52.68%;width:37.83%;height:4.57%;z-index:2;"target="_blank"title="제1금융권BEST적금우리은행우리스마트폰적금해당금융사로이동"><spanclass="blind">우리은행우리스마트폰적금</span><spanclass="blind">기본금리2.0%</span><spanclass="blind">우대금리0.2%</span><spanclass="blind">최고금리2.2%</span><spanclass="blind">매월납입한도50만원</span></a><ahref="https://www.shinhan.com/index.jsp"rel="nofollow"onclick="ga('send','event','제1금융권BEST적금표','신청','해당금융사로이동_신한은행_신한스마트적금');fbq('trackCustom','신청',{timeStamp:newDate(),category:'제1금융권BEST적금표',label:'해당금융사로이동_신한은행_신한스마트적금'});"style="position:absolute;left:56.74%;top:76.99%;width:38.16%;height:4.57%;z-index:2;"target="_blank"title="제1금융권BEST적금신한은행신한스마트적금(s뱅크)해당금융사로이동"><spanclass="blind">신한은행신한스마트적금(s뱅크)</span><spanclass="blind">기본금리1.8%</span><spanclass="blind">우대금리-</span><spanclass="blind">최고금리1.8%</span><spanclass="blind">매월납입한도1000원~100만원</span></a></div><p>제1금융권에서,높은금리의자유적금은두인터넷전문은행의상품들이차지했습니다.국내1호인터넷은행케이뱅크의<b>코드K자유적금</b>은기본금리는1.5%이지만,우대조건이복잡하지않아어렵지않게최고금리인2.3%를적용받을수있습니다.K뱅크에서제공하는우대코드혹은제휴사에서제공하는우대코드를통해우대금리혜택을받을수있습니다.</p><p>한국카카오은행의<b>카카오뱅크자유적금</b>은최고연2.2%의금리를제공합니다.연2.0%의기본금리에자동이체만하면쉽고간편하게추가금리를지급받을수있습니다.자동이체의경우,매일·매주·매월원하는주기에원하는금액을설정하면된다는점이장점입니다.급하게돈이필요할때는,해지없이필요한금액만긴급출금할수도있어서탄력적인운용이가능합니다.(긴급출금:2회,인출후잔액은10만원이상,출금금액에대해서는중도해지금리적용)</p><p>다음으로금리가높은상품으로는우리은행의<b>우리스마트폰적금</b>과신한은행의<b>신한스마트적금(s뱅크)</b>가있습니다.두상품모두스마트뱅킹을통해서만가입할수있는스마트폰전용적금입니다.언제어디서나쉽고빠르게가입할수있으며,납입한도는각각50만원,100만원으로정해져있습니다.우리스마트폰적금의경우기본금리2.0%에우리꿈통장을기본계좌로하고연결가입하는경우0.2%p우대금리를제공하며,신한스마트적금의경우따로우대금리없이누구나1.8%의금리를받을수있습니다.</p><br/><br/><h1>제2금융권BEST적금</h1><divclass="contents__detail__image__containergreater-than-mobile"><imgalt="제2금융권BEST자유적금별기본금리,최고금리비교"src="https://cdn.banksalad.com/content/upload/images/content-upload-images-2361590492.jpg"><ahref="https://www.jtchinae-bank.co.kr/usr/index.do"rel="nofollow"onclick="ga('send','event','제2금융권BEST적금표','신청','해당금융사로이동_JT친애저축은행_자유적립예금');fbq('trackCustom','신청',{timeStamp:newDate(),category:'제2금융권BEST적금표',label:'해당금융사로이동_JT친애저축은행_자유적립예금'});"style="position:absolute;left:22.98%;top:20.99%;width:16.62%;height:15.87%;z-index:2;"target="_blank"title="제2금융권BEST적금JT친애저축은행자유적립예금해당금융사로이동"><spanclass="blind">JT친애저축은행자유적립예금</span><spanclass="blind">기본금리2.52%</span><spanclass="blind">최고금리2.52%</span></a><ahref="https://www.choeunbank.com/kor/main/index.php"rel="nofollow"onclick="ga('send','event','제2금융권BEST적금표','신청','해당금융사로이동_조은저축은행_e정기예금');fbq('trackCustom','신청',{timeStamp:newDate(),category:'제2금융권BEST적금표',label:'해당금융사로이동_조은저축은행_e정기예금'});"style="position:absolute;left:22.9%;top:49.32%;width:16.62%;height:16.04%;z-index:2;"target="_blank"title="제2금융권BEST적금조은저축은행e-정기예금해당금융사로이동"><spanclass="blind">조은저축은행e-정기예금</span><spanclass="blind">기본금리2.0%~2.52%</span><spanclass="blind">최고금리2.0%~2.52%</span></a><ahref="https://www.kisb.co.kr/"rel="nofollow"onclick="ga('send','event','제2금융권BEST적금표','신청','해당금융사로이동_한국투자저축은행_자유적립예금');fbq('trackCustom','신청',{timeStamp:newDate(),category:'제2금융권BEST적금표',label:'해당금융사로이동_한국투자저축은행_자유적립예금'});"style="position:absolute;left:22.98%;top:77.65%;width:16.62%;height:16.04%;z-index:2;"target="_blank"title="제2금융권BEST적금한국투자저축은행자유적립예금해당금융사로이동"><spanclass="blind">한국투자저축은행자유적립예금</span><spanclass="blind">기본금리2.45%</span><spanclass="blind">최고금리2.45%</span></a></div><divclass="contents__detail__image__containerless-than-mobile"><imgalt="제2금융권BEST자유적금별기본금리,최고금리비교"src="https://cdn.banksalad.com/content/upload/images/content-upload-images-2538609044.jpg"><ahref="https://www.jtchinae-bank.co.kr/usr/index.do"rel="nofollow"onclick="ga('send','event','제2금융권BEST적금표','신청','해당금융사로이동_JT친애저축은행_자유적립예금');fbq('trackCustom','신청',{timeStamp:newDate(),category:'제2금융권BEST적금표',label:'해당금융사로이동_JT친애저축은행_자유적립예금'});"style="position:absolute;left:56.91%;top:3.21%;width:37.83%;height:9.72%;z-index:2;"target="_blank"title="제2금융권BEST적금JT친애저축은행자유적립예금해당금융사로이동"><spanclass="blind">JT친애저축은행자유적립예금</span><spanclass="blind">기본금리2.52%</span><spanclass="blind">최고금리2.52%</span></a><ahref="https://www.choeunbank.com/kor/main/index.php"rel="nofollow"onclick="ga('send','event','제2금융권BEST적금표','신청','해당금융사로이동_조은저축은행_e정기예금');fbq('trackCustom','신청',{timeStamp:newDate(),category:'제2금융권BEST적금표',label:'해당금융사로이동_조은저축은행_e정기예금'});"style="position:absolute;left:56.91%;top:36.47%;width:37.83%;height:9.42%;z-index:2;"target="_blank"title="제2금융권BEST적금조은저축은행e-정기예금해당금융사로이동"><spanclass="blind">조은저축은행e-정기예금</span><spanclass="blind">기본금리2.0%~2.52%</span><spanclass="blind">최고금리2.0%~2.52%</span></a><ahref="https://www.kisb.co.kr/"rel="nofollow"onclick="ga('send','event','제2금융권BEST적금표','신청','해당금융사로이동_한국투자저축은행_자유적립예금');fbq('trackCustom','신청',{timeStamp:newDate(),category:'제2금융권BEST적금표',label:'해당금융사로이동_한국투자저축은행_자유적립예금'});"style="position:absolute;left:56.74%;top:69.54%;width:37.83%;height:9.42%;z-index:2;"target="_blank"title="제2금융권BEST적금한국투자저축은행자유적립예금해당금융사로이동"><spanclass="blind">한국투자저축은행자유적립예금</span><spanclass="blind">기본금리2.45%</span><spanclass="blind">최고금리2.45%</span></a></div><p>높은금리혜택을원하신다면제2금융권상품들이좋은기회가될수있습니다.제2금융권의자유적금상품들은별도의우대금리없이높은기본금리를제공하고있는데요.제1금융권에비해안정성이조금떨어진다고는하지만,예금자보호법을통해5천만원까지는보호받을수있습니다.따라서원금과이자의합5천만원이내에서,안전하게수익률높은적금을운용할수있다는장점이있습니다.</p><p>높은금리순으로살펴보면,<b>JT친애저축은행의자유적립예금</b>이가장높은금리인2.52%를제공합니다.복리식으로이자를제공하고있으며영업점을통해가입가능합니다.다음으로,<b>조은저축은행의e-정기예금</b>은인터넷뱅킹을통해이용가능한상품으로,이자지급방식을선택할수있습니다.단리식을택할경우매월이자가지급되며이자율은2.5%입니다.복리식을택할경우엔매월발생하는이자를원금에가산하여복리계산하고이를만기시에지급합니다.이때의이자율은2.52%입니다.<b>한국투자저축은행의자유적립예금</b>은2.45%의이자율을제공합니다.이상품은영업점에서가입가능하며,기간만료시월복리로이자를계산하고지급합니다.</p><br/><br/><h1>남다른우대금리를자랑하는적금BEST3</h1><divclass="contents__detail__image__containergreater-than-mobile"><imgalt="남다른우대금리를자랑하는자유적금best3상품별금리,매월납입한도비교"src="https://cdn.banksalad.com/content/upload/images/content-upload-images-3108201587.jpg"><ahref="https://www.ibk.co.kr/"rel="nofollow"onclick="ga('send','event','남다른우대금리를자랑하는적금BEST3표','신청','해당금융사로이동_IBK기업은행_IBK썸통장');fbq('trackCustom','신청',{timeStamp:newDate(),category:'남다른우대금리를자랑하는적금BEST3표',label:'해당금융사로이동_IBK기업은행_IBK썸통장'});"style="position:absolute;left:22.98%;top:20.99%;width:16.62%;height:15.87%;z-index:2;"target="_blank"title="남다른우대금리를자랑하는적금BEST3IBK기업은행IBK썸통장(자유적립식)해당금융사로이동"><spanclass="blind">IBK기업은행IBK썸통장(자유적립식)</span><spanclass="blind">기본금리1.25%</span><spanclass="blind">우대금리-</span><spanclass="blind">최고금리4%</span><spanclass="blind">매월납입한도30만원</span></a><ahref="https://www.suhyup-bank.com/"rel="nofollow"onclick="ga('send','event','남다른우대금리를자랑하는적금BEST3표','신청','해당금융사로이동_수협은행_Sh내가만든적금');fbq('trackCustom','신청',{timeStamp:newDate(),category:'남다른우대금리를자랑하는적금BEST3표',label:'해당금융사로이동_수협은행_Sh내가만든적금'});"style="position:absolute;left:22.9%;top:49.32%;width:16.62%;height:16.04%;z-index:2;"target="_blank"title="남다른우대금리를자랑하는적금BEST3수협은행Sh내가만든적금해당금융사로이동"><spanclass="blind">수협은행Sh내가만든적금</span><spanclass="blind">기본금리1.6%</span><spanclass="blind">우대금리1.5%</span><spanclass="blind">최고금리3.1%</span><spanclass="blind">매월납입한도30만원</span></a><ahref="https://www.kebhana.com/"rel="nofollow"onclick="ga('send','event','남다른우대금리를자랑하는적금BEST3표','신청','해당금융사로이동_KEB하나은행_하나머니세상');fbq('trackCustom','신청',{timeStamp:newDate(),category:'남다른우대금리를자랑하는적금BEST3표',label:'해당금융사로이동_KEB하나은행_하나머니세상'});"style="position:absolute;left:22.98%;top:77.65%;width:16.62%;height:16.04%;z-index:2;"target="_blank"title="남다른우대금리를자랑하는적금BEST3KEB하나은행하나머니세상적금해당금융사로이동"><spanclass="blind">KEB하나은행하나머니세상적금</span><spanclass="blind">기본금리1.0%</span><spanclass="blind">우대금리1.8%</span><spanclass="blind">최고금리2.8%</span><spanclass="blind">매월납입한도20만원</span></a></div><divclass="contents__detail__image__containerless-than-mobile"><imgalt="남다른우대금리를자랑하는자유적금best3상품별금리,매월납입한도비교"src="https://cdn.banksalad.com/content/upload/images/content-upload-images-8940790285.jpg"><ahref="https://www.ibk.co.kr/"rel="nofollow"onclick="ga('send','event','남다른우대금리를자랑하는적금BEST3표','신청','해당금융사로이동_IBK기업은행_IBK썸통장');fbq('trackCustom','신청',{timeStamp:newDate(),category:'남다른우대금리를자랑하는적금BEST3표',label:'해당금융사로이동_IBK기업은행_IBK썸통장'});"style="position:absolute;left:57.07%;top:2.19%;width:37.83%;height:6.24%;z-index:2;"target="_blank"title="남다른우대금리를자랑하는적금BEST3IBK기업은행IBK썸통장(자유적립식)해당금융사로이동"><spanclass="blind">IBK기업은행IBK썸통장(자유적립식)</span><spanclass="blind">기본금리1.25%</span><spanclass="blind">우대금리-</span><spanclass="blind">최고금리4%</span><spanclass="blind">매월납입한도30만원</span></a><ahref="https://www.suhyup-bank.com/"rel="nofollow"onclick="ga('send','event','남다른우대금리를자랑하는적금BEST3표','신청','해당금융사로이동_수협은행_Sh내가만든적금');fbq('trackCustom','신청',{timeStamp:newDate(),category:'남다른우대금리를자랑하는적금BEST3표',label:'해당금융사로이동_수협은행_Sh내가만든적금'});"style="position:absolute;left:56.74%;top:35.39%;width:37.83%;height:6.24%;z-index:2;"target="_blank"title="남다른우대금리를자랑하는적금BEST3수협은행Sh내가만든적금해당금융사로이동"><spanclass="blind">수협은행Sh내가만든적금</span><spanclass="blind">기본금리1.6%</span><spanclass="blind">우대금리1.5%</span><spanclass="blind">최고금리3.1%</span><spanclass="blind">매월납입한도30만원</span></a><ahref="https://www.kebhana.com/"rel="nofollow"onclick="ga('send','event','남다른우대금리를자랑하는적금BEST3표','신청','해당금융사로이동_KEB하나은행_하나머니세상');fbq('trackCustom','신청',{timeStamp:newDate(),category:'남다른우대금리를자랑하는적금BEST3표',label:'해당금융사로이동_KEB하나은행_하나머니세상'});"style="position:absolute;left:56.91%;top:68.66%;width:37.83%;height:6.24%;z-index:2;"target="_blank"title="남다른우대금리를자랑하는적금BEST3KEB하나은행하나머니세상적금해당금융사로이동"><spanclass="blind">KEB하나은행하나머니세상적금</span><spanclass="blind">기본금리1.0%</span><spanclass="blind">우대금리1.8%</span><spanclass="blind">최고금리2.8%</span><spanclass="blind">매월납입한도20만원</span></a></div><p>일정조건충족시높은우대금리혜택을제공하는상품들도있습니다.매월납입한도는높지않지만,적은금액의자산으로높은금리의적금을운용하려는분들께추천드립니다.</p><p><b>IBK썸통장자유적립식</b>상품은최고4%라는어마어마한금리를제공합니다.기본금리는1.25%이지만,비대면채널을통해가입하면추가0.2%p,‘썸타기’서비스를통해맞팔이력을보유한경우에도추가0.2%p를제공합니다.맞팔이력에최초거래고객이라면연4.0%라는최고금리를제공받을수있습니다.친구혹은연인끼리이용하기에좋은상품이겠네요.</p><p>수협은행의<b>SH내가만든적금</b>은기본금리는1.6%이며한도금액은30만원입니다.기본우대금리항목(친구추천,만기재가입등)과선택의지형우대금리항목(카드결제실적,공과금납부등)이있으며두항목내의조건을충족하는경우최고연1.5%내에서우대금리를제공합니다.</p><p>KEB하나은행의<b>하나머니세상적금</b>은기본금리는1.0%로낮지만,만기해지시이자금액을하나머니로적립동의하는경우1.6%p~1.8%p의우대금리를추가로받을수있습니다.또한특정기간내에1Q하나카드결제실적까지보유하면,적금이자의세금도하나머니로돌려받을수있습니다.하지만,월20만원까지만입금할수있다는점이아쉽습니다.</p><br/><br/><p>지금까지BEST자유적금상품에대해알아봤습니다.자유적금은1년4분기중3/4분기동안납입한금액의절반만남은기간동안적립가능합니다.따라서경제적여유가된다면초반에많은금액을납입하는것이효과적입니다.또한상품에따라가입가능대상이나조건,월납입가능한도등여러조건이나혜택이다름을유념하여,상세조건을잘읽어보고상품을선택하시길바랍니다.</p>