2025년 고금리 예금 추천 TOP 10

2025 고금리 예금 TOP 10 전격 비교!

2025년 고금리 예금 추천 TOP 10

2025년 기준, 금리 4% 이상을 제공하는 예금 상품이 늘어나면서 재테크 수단으로 고금리 예금이 주목받고 있습니다. 아래 리스트는 은행별 금리 조건, 예금자 보호 유무, 가입 편의성 등을 기준으로 선별한 TOP 10 예금 상품입니다.

🏆 고금리 예금 TOP 10 리스트

케이뱅크 자유적금 - 연 4.3%, 비대면 가입
토스뱅크 정기예금 - 연 4.2%, 예금자보호 적용
카카오뱅크 26주 적금 - 최대 연 4.1%
하나은행 스마트적금 - 최대 연 4.05%
신한은행 쏠편한 예금 - 연 4.0%, 인터넷 가입 시 우대
우리은행 WON 적금 - 연 3.95%, 조건부 금리
농협 NH내손안의적금 - 연 3.9%
IBK기업은행 i-ONE 적금 - 연 3.85%
SC제일은행 e-자유적금 - 연 3.8%
부산은행 썸적금 - 연 3.75%, MZ세대 전용

💡 예금자 보호 및 주의사항

예금자 보호가 되는 상품은 1인당 최대 5천만원까지 보호됩니다.
우대금리는 급여이체, 체크카드 사용 등 조건 충족 시 적용됩니다.
가입 전 반드시 금융감독원 예금자 보호 공시를 확인하세요.

2025년에는 단순히 금리 높은 예금만 찾는 것보다, 가입 조건과 예금자 보호 여부까지 꼼꼼히 따지는 것이 현명한 재테크 전략입니다.

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