저축은행 금리비교 - 예금 적금 파킹

Savings bank interest rates are higher than those of commercial banks. However, what is truly concerning is not the interest rate itself, but the question of whether it is safe to deposit more than 50 million won into a single account.

This app collects and displays the publicly announced interest rates for savings bank time deposits, installment savings, and parking accounts daily in rankings. It also automatically calculates, for each savings bank, whether your deposited funds fall within the deposit insurance limit.

■ Deposit Insurance Limit of 50 Million Won Calculator

Deposit insurance is based on the sum of the principal and interest, not the principal amount. Therefore, even if you deposit only 49 million won, the total amount can exceed 50 million won by maturity.

Savings bank interest rates are higher than those of commercial banks. · Determines whether the limit has been exceeded by summing the principal and maturity interest for each savings bank

· Provides guidance on the amount exceeded and how much needs to be transferred to another savings bank

· Calculates how much more you can deposit into this bank if you still have room

· Notifies you via alert if you exceed the limit

■ Rankings of Highest Interest Rates for Deposits, Installment Savings, and Parking Accounts

· Check rankings for fixed deposits and installment savings by period (6, 12, 24, or 36 months)

· For parking accounts, displays the limit up to which the highest interest rate applies

· Provides the full text of preferential conditions exactly as publicly disclosed

· Automatically updated daily at 7:00 AM

■ Numbers are not inflated

· Since installment savings are deposited in monthly installments, the interest calculation method differs from that of fixed deposits. Even with an annual installment savings rate of 14%, the actual amount you receive is not that much; this app displays both the actual amount received and the perceived interest rate.

· High interest rates on parking accounts are mostly applied only up to the limit amount. For amounts exceeding the limit, the base interest rate is applied to calculate the actual interest earned.

■ Interest Calculator

· Enter the deposit amount, interest rate, and term to calculate after-tax interest and the payout at maturity

· Compare three options at once: general taxation, preferential tax treatment, and non-taxation

· Determine your deposit insurance limit on the same screen

■ Notifications and Widgets

· Warnings for exceeding the deposit insurance limit

· Notifications for the #1 spot in fixed deposits, installment savings, and parking accounts, as well as notifications for new high-interest products

· Notifications for your account maturity (D-7 / D-3 / Day of)

· Check today's #1 deposit and your account status via the home screen widget

■ Data Sources

Uses disclosure data from the Financial Supervisory Service's Integrated Financial Product Comparison Disclosure System (financial company product information) and the Korea Federation of Savings Banks' Consumer Portal. Data is updated daily at 07:00 (KST).

■ Notice

· This app is a tool for viewing disclosure information and does not sell or broker financial products.

· The displayed interest rates and calculation results are for reference only, and actual subscription conditions may vary depending on the financial company's circumstances. Please be sure to verify with the relevant savings bank before subscribing. · The deposit insurance limit is 50 million KRW per person per financial institution, including both principal and interest, based on the Korea Deposit Insurance Corporation (KDIC) standards. Please verify the exact protection status with the KDIC or the relevant savings bank.

· Only information entered directly is stored on the device without account linking or login.