Profit Share

Invest in your own cooperative bank – let's prosper together!

Profit Shares represent an opportunity to an owner-customer to contribute capital to his/her own OP bank and benefit from it himself/herself too. Subscriptions for Profit Shares strengthen your cooperative bank's capital base. A financially successful cooperative bank with a solid financial standing is a strong local player which offers you a variety of benefits and can pay generous interest on Profit Shares.

The minimum investment is 100 euros and the maximum investment is set by each cooperative bank. Be prepared for an investment horizon of at least three years.

Learn more about your own OP bank's Profit Share

For more detailed information on the particulars of your own bank's Profit Share and the schedule of the Profit Share issue, visit your own bank's op.fi pages or the branches of your bank. Owner-customers will be informed of the beginning of a new issue on the website.

Owner-customer benefits

  • As an owner-customer you can sell, buy and trade nearly all our mutual funds (savers’ funds, socially responsible funds, and equity and bond funds) without fees.
  • As an owner-customer, you can also invest in funds by saving through insurance. OP Unit-linked Insurance and OP Savings Agreement are insurance savings products intended for owner-customers that offer an effortless and flexible means for long-term saving. Switching between investment instruments and transferring funds to insurance savings is free of charge.
  • Owner-customers have automatic access to the second fee level on the stock brokerage fee list, in which the brokerage fee is 0.17% (min. 7 euros), while the fee at the first fee level is 0.2% (min. 9 euros).

OP bonuses

In addition to OP bonuses earned through saving and investment, owner-customer earn bonuses from

  • loans
  • funds in accounts
  • purchases you have paid with the OP-Visa credit
  • insurance premiums for home, family and motor vehicle policies.

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

Ask for more information about your own cooperative bank's Profit Share. Book an appointment with the bank or for an online meeting.