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Fixed-term High-yield Account

Stable and safe return

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. The deposit is 500 - 100,000 euros. If you wish to deposit more, please contact us.

  • Get stable return on your savings.
  • Deposit the amount you wish for a set period.
  • Make a single deposit.
  • Deposit interest rate is agreed when the account is opened.
  • Interest is subject to tax at source.
  • Account agreements opened online are stored in an electronic archive where they remain available for reading and printing

Funds in a Fixed-term High-yield Account generate OP bonuses. Learn more under the section ‘Owner-customer benefits and OP bonuses through banking services’!

Fixed-term High-yield Account is a secure investment that you can use also in addition to other investment products.
Mika Makkonen‚ Development Manager, OP
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.

Account terms and conditions
Owner-customer benefits and OP bonuses through banking services

OP bonuses

As an owner-customer, you will earn OP bonuses for example from:

  • loans
  • savings and investments
  • purchases you have paid with credit
  • insurance premiums for home, family and motor vehicle policies.

From 1 November 2020, OP bonuses will accrue from:

  • home loans, secured bank loans, student loans
  • savings and investment accounts
  • mutual fund units and unit-linked insurance
  • non-life insurance bills

The change on 1 November 2020 means that no OP bonuses will accrue from:

  • deposits in current accounts
  • unsecured consumer loans (Flexible Consumer Credit, Special Consumer Credit, One-off Credit and Overdraft Facility)
  • OP hire purchase
  • Purchases paid using OP Visa as a credit card, the balance of credit with interest of OP-Visa and OP-Mastercard cards

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


The account is granted by the OP cooperative bank.