The deposit period and interest rate are agreed when the account is opened. On expiry of the deposit period, the funds including interest are made available to your company. Usually, the interest rate is fixed but it can also be tied to a reference interest rate, either a 3-month Euribor or OP-prime.
The yield depends on the market rates, length of the deposit period and the invested amount. The larger the invested amount and the longer the investment period, the higher will generally be the interest rate agreed for the account. The only thing that can reduce your investment's real returns is inflation.
Fixed-term High-yield Account is a secure fixed-income investment that you can use in addition to other investment products.
The principal and the deposit interest fall within the scope of deposit insurance up to the amount prescribed by law. OP Financial Group member banks are considered a single bank from the perspective of deposit guarantee.