Invest directly in Oikocredit with a minimum deposit of $250. Use the drop down to receive simple mailing instructions specific to your state.
Most people think about investing their money to earn interest or donating their money to do good. With an investment in Oikocredit, you receive a double bottom line of a social and financial return.
Oikocredit offers up to 2% return on investments over terms of 1, 3, or 5 years at almost any amount. In the current economy, this rate is higher than most savings accounts, CDs, and bonds.
When you invest with Oikocredit, you know that you are getting more than just a financial return. Oikocredit and its MFI partners have proven methods of calculating their social impact. And with over 35 years of experience and resilience through one of the world’s toughest economic crises, Oikocredit is a safe and reliable place to invest.
INVESTMENT FAQs
Can I receive a higher return elsewhere?
A 2% return is a sustainable return. The fact that we limit our dividend to this level enables us to charge lower interest rates on our loans to our project partners and to extend credit to partners with a higher-than-average risk profile. Unlike other institutions, we provide loans in local currency, and we do not charge extra fees or commissions to our borrowers.
Is investing tax-deductible?
No. Like other financial investments, your Oikocredit investment earns a return.
When do I receive a return on my investment?
If you invest by check ($250 or more) your investment is called a Definitive Community Note. At the time you invest, you have the option of selecting a term of 1, 3, or 5 years. Interest is paid annually, and 45 days before maturity of a Note, Oikocredit will mail a notice providing instructions for reinvestment or redemption of funds.
If you invest via Microplace ($20 to $1000) your investment is called an Online Community Note and interest is paid quarterly directly to your PayPal or bank account. Beginning 90 days before maturity of the Note, you may receive a notice giving you the option to reinvest the funds, or having the funds returned to you.
Is my investment safe?
In the history of Oikocredit, we have never defaulted on paying our investors. At the same time, every investment involves risk and it should be noted that historical returns are no guarantee of future performance.
NOTE: Oikocredit USA is currently unable to accept new direct investments from investors in the State of Washington. If you have any questions, please don’t hesitate to contact us at usa@oikocredit.org.
For more information, visit our FAQ.
To hear from lenders who’ve made the leap, visit our Lender Profile page!
TOP 3 WAYS to INVEST
Make a transfer from a SAVINGS or CHECKING account and earn 2% returns on money that would otherwise be earning little to nothing.
Give the GIFT of an investment account to a child or recent graduate! Save for their future while earning more than most current CDs or savings bonds.
Make a transfer from an existing INVESTMENT account and receive a solid return while know that your money is creating a major impact in the lives of poor people around the world.