Fixed-term High-yield Account

Steady return on a single deposit

Depositing money in a Fixed-term High-yield Account is convenient and easy. After the deposit period ends, the amount you deposited, plus interest, is available to you. You can deposit 500–100,000 euros into the account. If you wish to deposit a larger amount, please book an appointment with your own bank branch.

  • Deposit the amount you wish for 1–12 months.
  • The deposit is made as a single deposit.
  • Deposit interest rate is agreed when the account is opened. Tax at source will be charged from the interest when the interest is paid.

Funds in a Fixed-term High-yield Account earn you OP bonuses. Read more under Owner-customer benefits and OP bonuses through banking services!

Deposit interest rate and cash withdrawal

A Fixed-term High-yield account opened online carries a fixed interest rate which remains the same throughout the deposit period. You cannot withdraw money from this account during the deposit period.

The funds and the deposit interest fall within the scope of deposit insurance up to the amount prescribed by law.  OP Financial Group banks are considered a single bank from the perspective of deposit insurance.

Deposit guarantee

Deposits in the account are covered by deposit guarantee under the Act on deposit guarantee. The maximum compensation for guaranteed deposits is EUR 100,000 for the deposits made in a single deposit bank. OP Financial Group member banks are considered a single bank from the perspective of the deposit guarantee.

Deposit guarantee protects a depositor's funds on an account if the deposit bank becomes insolvent. If a deposit bank is declared bankrupt or is in permanent default, the Financial Stability Authority pays compensation to the bank’s depositors from the Deposit Guarantee Fund.

Owner-customer benefits and OP bonuses through banking services

OP cooperative bank owner-customers earn OP bonuses from:

  • Funds in savings accounts

  • Home loans, student loans and secured bank loans

  • Mutual funds and unit-linked insurance assets

  • Insurance premiums paid, such as home and motor vehicle insurance and continuous travel insurance

 OP bonuses are used for the bank’s service charges and insurance premiums.

Account terms and conditions


The account is granted by the OP cooperative bank.