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Best 12-month time deposit rates in South Korea

Best 12-month rate per provider for a 10,000,000 KRW deposit, open to any customer, read from each bank's website. Last checked 18 Oct 2026, 05:37 UTC.

3-month 6-month All tenures and amounts

Bank	Rate p.a.	Tenure	Deposit	Details	Link
Toss Bank (토스뱅크)먼저 이자 받는 정기예금	3.60%≈ 360,000 KRW in 12 months	12 months	Not stated	Board rate Interest is paid upfront to the linked account (선이자지급방식); Rates before tax	Go to bank
Woori Bank (우리은행)WON플러스 예금	3.60%≈ 360,000 KRW in 12 months	12 months	Not stated	Board rate 약정이율 (contract rate) for the term, before tax	Go to bank

Different amount, priority tiers or fresh-funds filter? Open the full comparison.

Deposit protection: Korea Deposit Insurance Corporation (KDIC)

Limit100,000,000 KRW

Principal plus prescribed interest is protected up to ₩100 million (1억원) per depositor per insured financial institution; amounts above that are not protected. DC/IRP retirement pensions, pension savings and accident insurance payouts are each protected separately up to ₩100 million. Source, checked 2026-10-18.

We're a comparison service, not a bank: we don't take deposits. Rates change without notice; verify with the bank before you deposit. Not financial advice.