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Savings and Investment

Trust your money in Coopealianza and get great results

Coopealianza is a financial entity with more than 49 years of experience, leader in the National and Cooperative Financial System. It has the trust of more than 200.000 throughout the national territory, positioning itself as the number one cooperative in associates.

Currently, it has a presence in 33 cantons through 50 offices in the country.

Its reliability and credibility is the result of its financial strength, and it is supervised by the Superintendency of Financial Entities (SUGEF). Your associates, clients and anyone who wishes can find the updated Financial Statements on our website, which reveal the strength and transparency of the company.

Coopealianza has an important focus on sustainability, being socially and financially responsible, contributing directly to the development of the country, through presence and support in the communities.

At present, Coopealianza continues to be The Cooperativa de Todos!

Savings at sight

Your money on hand and always safe

The Savings at Sight is a tool that will allow you to organize your finances, having access to your money immediately, either for: salary, pension, organization of expenses, money management or business flow.

The modalities in which you can invest are the following:

Savings at sight colones and dollars: Aimed at non-profit individuals and legal entities, who require a savings account where they have immediate availability of their money when they need it.

Savings Pensions: Aimed at those who need to receive a deposit of their pension in Coopealianza RL. If you are interested, you can register the electronic means for mobilization.

Savings at sight Salary colones and dollars: In this account you can receive in Coopealianza RL the deposit of your salary or any other income that you receive from your work, being able to dispose of your money immediately.

Savings at the Business View colones and dollars: designed for individuals over 18 years of age and legally constituted legal persons, who carry out business activities, and who need to manage their business money in a differentiated account. You will have access to electronic means for your mobilization.

Children's savings colones and dollars: It seeks to encourage the habit of saving in children or minors over whom it has legal representation. As legal representative, he will be the one who opens the savings account in the minor's name, in addition to being able to make withdrawals and deposits at the time he wishes.

Superior savings in colones and dollars: It has a more attractive interest rate than the conventional Sight Savings, it depends on the minimum daily amount and the term (in days) that the savings are maintained without presenting decreases. The greater the amount saved and the term, the better the rate.

You can have great benefits such as:

✓ Security and control by sending notifications to your cell phone when making transactions with your debit card.

✓ You will have access to your Transactional Website and Coopealianza App.

✓ Affiliation for the automatic payment of more than 90 public services.

✓ Wide network of own ATMs and the ATH network.

✓ Attractive interest rates based on the balance.

✓ Payments in stores and money transfers from your cell phone with the application.

✓ Excellent conditions for the purchase and sale of dollars.

Term Savings

Think ahead and meet your goals.

Coopealianza offers various Term Savings: Easy Savings, Christmas, March, Investment, Multiple and School.

Each has specific characteristics to help you reach your goal. In any of our offices throughout the country we will advise you on the type of savings that best suits your needs.

✓ Easy savings in colones and dollars: by means of this saving you will be able to make your investment in a systematic way, with monthly installments, deducted from payroll, automatic cancellation or SINPE). In addition, you can make extraordinary deposits at any time you want. With this saving you can plan any activity or obligation you have in the future, be it: vacations, parties, purchase of an asset, or whatever you need.

✓ Christmas savings colones and dollars: It consists of a systematic voluntary saving, which may be agreed in monthly installments. This saving will allow you to create a fund to satisfy needs such as Christmas gifts and in the case of being a merchant it allows you to deposit the provision for the payment of Christmas bonuses.

✓ Savings from Marchamo: This systematic voluntary savings, generally agreed in monthly installments, will allow you to create a fund for the March Payment.

✓ Investment savings colones and dollars: With these savings, you can create a fund to meet medium-term investment needs such as: parties, trips and exchanges, university studies, real estate, vehicle and others.

✓ Multiple savings in colones and dollars: Through these savings you can make several or a single deposit in a given time. This saving is not systematic, but it will allow you to improve your returns and reach your goals in the medium term.

✓ School Savings: You can make extraordinary deposits to this systematic saving, agreed in monthly installments. You can create your own fund for your children and / or relatives, through which you can cover the needs of future study.

Fixed Term Savings Certificates

Generate excellent returns

With Coopealianza's Fixed Term Savings Certificates you will be able to generate excellent returns, earning more for your money, and counting on the support of a solid financial institution that adjusts to your needs.

The Fixed Term Savings Certificates contemplate the following modalities:

- Dematerialized: the returns are much higher relative to traditional certificates. In our offices, or in the comfort of your home or office, you can do it through our website, at any time of each day and throughout the year.

This modality allows you to deposit the principal amount and the interest earned in the savings account. The investment can be renewed automatically, without the need to show up at the Coopealianza offices.

If you consider it pertinent and with prior authorization, you will receive text or electronic messages, related to the payment of coupons, the principal or, well, the automatic application of the renewal of the certificate.

It can be issued in colones or dollars.

✓ Materialized: It will allow you to obtain a fixed return, at the end of the investment term. This type of certificate is traded only in national currency. The minimum deposit is ¢ 50.000 and the term goes from three months onwards. It can be issued in colones and dollars.

Fixed Term Savings Certificates Earn More

Learn about the Investment Plan Earn More and enjoy your earnings.

Fixed Term Certificates Earn More: This modality gives you attractive interest rates that can be capitalized on a monthly basis. They are payable at the expiration of the certificate, therefore, the longer the investment term, the greater the profit obtained. Payment of interest is made automatically, at the end of the investment term. They can only be issued in colones.

✓ Electronic colones and dollars: the registration of this certificate is done in Coopealianza Virtual. The interest and principal payment process is carried out in an automated way, according to the indications that the associate expresses at the time of entering the electronic means of their choice in the cooperative.

Some benefits when making your Fixed Term Savings Certificate:

✓ Attractive interest rates.

✓Automatic interest payment service in the savings account related to your debit card.

✓ Automatic renewal service.

✓ Access to Virtual Coopealianza.

✓ Access to Back to Back Credit.

✓ Term savings retain only 7% of Income Tax.

✓ Interest payment is made automatically, at the end of the investment term, they are deposited in the account that the associate wishes.

✓ Savings and investment plans adjusted to the needs and higher profitability suitable for each of the associates.

Requirements for association

The association requirements vary with the potential associated profile: national natural person of legal age, foreign natural person, minor natural person and legal persons.

For more information regarding the requirements, you can call 2785 3000, where our executives will provide you with the information you need.

Digital platforms

Coopealianza offers you digital platforms that will make it easier for you to carry out your transactions:
✓ Virtual Coopealianza App
✓ Coopealianza transactional website

Through these virtual platforms you can from the comfort of your home or office:
- Cancel public services.
- Pay the installments of credits and credit cards.
- Transfer internal and external accounts of Coopealianza.
- Obtain funds from other entities. (DTR)
- Consult your term savings certificates.
- Consult the movements of your transactions.

Calculate the return on your investment

Interest rate %
Gross Total Interest: 0
Income Tax (7%): 0
Total Net Interest: 0

Income tax withholding applies to certificates issued as of July 01, 2019. According to Law 9635, income tax will be withheld from the interest generated by your Investment.

Home Service

* Coopealianza's privacy policies guarantee that the information provided will only be for contacting you and will not be sold, supplied or shared with third parties.

Other Consultation Channels

If you have any questions or queries, we can answer your concerns through the following channels: