The longest savings product in Korea, this Long-Term Savings Benefit plan is designed to help members prepare for a comfortable retirement through high benefit (interest) rates. Enrolling in the Long-term Savings Benefit plan will grant you membership and access to various welfare services.

• Enrollment Amount
  • From a minimum of 50 units (KRW 30,000) to a maximum of 2,500 units (KRW 1,500,000). Members may enroll in increments of 10 units.
• No Management, Business, or Service Fees
  • Unlike trusts, insurance, or fund products offered by financial institutions, no additional costs are charged, making your actual returns more favorable.
• Easy Savings Management
  • Principal amount are automatically deducted from your monthly salary, ensuring convenient and consistent savings management.
• Excellent Loan Programs Available
  • From the time of enrollment, members may borrow within their Long-Term Savings Benefit assuming withdrawal and guarantee insurance limit.
  • The guarantee insurance limit varies depending on membership duration and credit rating (up to KRW 100 million).
  • No prepayment penalty.
  • Additional Interest-Free Loan options available.
• Various Member Benefits
  • Welfare benefits : Congratulatory Allowance for the Wedding, Congratulatory Allowance for Childbirth, Top Account-holder Congratulatory Allowance, and New Member Welcome Gift
  • Welfare facility benefits : free legal, tax, and labor consultation services; discounts at designated wedding halls, hospitals, hotels, funeral homes, and welfare facilities

This is a post-retirement income security plan designed to help you enjoy a stable and comfortable life after retirement. At the time of retirement, you can choose to receive a portion of your Long-term Savings Benefit (After Retirement) in payouts over a set period, instead of receiving it as a lump sum.

• Enrollment Amount
  • The minimum enrollment amount is KRW 5 million. Enrollment amount must be within the after-tax balance of your Long-term Savings Benefit (After Retirement) as of the retirement date (in increments of KRW 1 million).
  • If your enrollment amount decreases due to offsetting the Long-term Savings Benefit (After Retirement) and any outstanding loan balance, you may use the Installment Plan Loan to increase your enrollment amount.
• Key Details
  • Payment Type : Immediate payment type (equal principal and interest payouts)
  • Payment Periods : 5, 10, 15, 20, 25, or 30 years
  • Payment Frequency and Date : Monthly or annually (on the 5th, 15th, or 25th)
  • Initial contract terms cannot be changed once the first payout has been made.
• Early Termination
  • No cancellation fee will be charged. Only full termination is allowed, and re-enrollment after termination is not permitted.
• Special Member Welcome Gift for New Members
  • Eligibility : Members who newly enroll in the Retirement Savings Benefit Plan (excluding Installment Savings Type) or newly enroll in the Long-term Savings Benefit(Post-retirement Installments) are eligible for a one-time welcome gift. (Duplicate gifts are not allowed.)

This is a savings plan that assists with raising lump sum funds by managing the surplus funds of incumbent members at high benefits rates (interest rates).

• Types of Enrollment
  • Interest-only Payout Type : When you make a lump-sum deposit, the additional benefit (interest) is paid in installments during the enrollment period, and the Lump Sum Benefit (principal amount and interest) is paid upon claim.
  • Lump-sum Deposit Type : When you make a lump-sum deposit, both the principal amount and the additional benefit (interest) are paid together in a single payment upon claim.
  • Installment Savings Type : You make fixed monthly payments during the enrollment period, and both the principal amount and additional benefit (interest) are paid together in a single payment at maturity.
• Enrollment Period and Amount
  • Interest-only Payout Type / Lump-sum Deposit Type
    Enrollment Period : Until the enrollment is maintained / Enrollment Amount : From 1 unit (KRW 1 million) up to 300 units (KRW 300 million)
  • Installment Savings Type
    Enrollment Period : 3 years or 5 years / Enrollment Amount : Up to KRW 100 million, in increments of KRW 10,000 with a minimum of KRW 10,000

This is a post-retirement savings plan which manages funds entrusted by members that are received upon retirement from various pensions and retirement benefits at a high interest rate.

• Types of Enrollment
  • Interest-only Payout Type : When you make a lump-sum deposit, the additional benefit (interest) is paid in installments during the enrollment period, and the Lump Sum Benefit (principal amount and interest) is paid upon claim.
  • Fixed Annuity Type : When you make a lump-sum deposit, both the principal amount and additional benefit (interest) are paid in regular installments (monthly or annually) throughout the enrollment period.
  • Installment Savings Type : You make fixed monthly payments during the enrollment period, and both the principal amount and additional benefit (interest) are paid together in a single payment at maturity.
• Enrollment Period and Amount
  • Interest-only Payout Type
    Enrollment Period : Until the enrollment is maintained / Enrollment Amount : From 1 unit (KRW 5 million) up to 100 units (KRW 500 million)
  • Fixed Annuity Type
    Enrollment Period : 5, 10, 15, or 20 years / Enrollment Amount : From 1 unit (KRW 5 million) up to 60 units (KRW 300 million)
  • Installment Savings Type
    Enrollment Period : 3 years or 5 years / Enrollment Amount : Up to KRW 100 million