3 months
1.9% (paid Annually)
No restrictions
Creditplus Bank Fixed-Term Deposit: Festgeld - raisin Review 2026
In a nutshell:
- The “Festgeld - raisin” is a fixed-term deposit offered by Creditplus Bank.
- The return on the Creditplus Bank fixed-term deposit is dependent on the duration of the deposit. The highest interest is 2.65% annually for a duration of 120 months.
- Savings are protected under the national deposit insurance scheme of Germany.
Find all the details and rates below in our frequently asked questions on the fixed-term deposit by Creditplus Bank.
How much interest does the Creditplus Bank Festgeld - raisin pay?
Creditplus Bank offers the fixed-term deposit “Festgeld - raisin” in 12 different terms, with annual percentage yields ranging from 1.80% to 2.65%. The highest interest is paid for the 120-month fixed-term deposit.
You can find an overview of all conditions for the Creditplus Bank fixed-term deposits below:
Term
Interest rate
Deposit amount
6 months
1.8% (paid Annually)
No restrictions
9 months
1.95% (paid Annually)
No restrictions
12 months
1.95% (paid Annually)
No restrictions
18 months
2% (paid Annually)
No restrictions
24 months
2.2% (paid Annually)
No restrictions
36 months
2.35% (paid Annually)
No restrictions
48 months
2.45% (paid Annually)
No restrictions
60 months
2.5% (paid Annually)
No restrictions
72 months
2.55% (paid Annually)
No restrictions
Who is behind Creditplus Bank?
Creditplus Bank was founded in 1960 and has since maintained its headquarters in Stuttgart, Germany. The bank has a clear focus on consumer loans but also offers savings products.
As a wholly owned subsidiary of CA Consumer Finance, Creditplus Bank is part of the Crédit Agricole banking group, one of the largest in France and worldwide. As part of this banking group, Creditplus Bank is committed to cooperative principles and builds on values such as solidarity, democracy, and mutuality.
How safe is my money with Creditplus Bank?
Creditplus Bank participates in Germany’s statutory deposit guarantee (Entschädigungseinrichtung deutscher Banken) protecting deposits up to 100,000 euros per depositor. Germany holds the top sovereign credit rating of AAA, underscoring the country's fiscal and economic strength. In addition, customers can rely on Crédit Agricole Banking Group's international footprint, experience, and reputation.
How can I manage the Festgeld - raisin account?
Your Creditplus Bank fixed-term deposit is managed entirely through the Raisin online platform. You can view balances, initiate transfers, and download documents via the Raisin web interface or the Raisin mobile app for iOS and Android.
The web interface and applications are available in German, English, Finnish, French, Dutch, Polish, and Spanish. Customer service is provided in local languages via secure messaging in the online banking and by phone. Since the account is operated through Raisin, you are not dependent on Creditplus Bank ’s own systems or require additional apps or credentials for any administrative steps related to the fixed-term deposit.
How can I open the Creditplus Bank “Festgeld - raisin“?
Opening the "Festgeld - raisin" fixed-term deposit with Creditplus Bank is done fully online via the interest marketplace Raisin.
Raisin is based in Berlin, Germany. Using the marketplace, you only need to register once and can then open several savings options, such as a Creditplus Bank's fixed-term deposit, across Europe and the globe within minutes. The Raisin platform is available to adults residing in Germany, Austria, France, Ireland, the Netherlands, Poland, Spain, the United Kingdom, and the United States. However, product offerings may vary by country.
You require a valid ID or passport to complete the identification procedure. In Germany, it can either be performed online via VideoIdent or in person at a post office branch (PostIdent). Once complete, you will get a reference account with Frankfurt-based Raisin Bank to which you shall connect your personal German current account. Afterwards, you can open the fixed-term deposit with Creditplus Bank. The desired amount will automatically be transferred from your Raisin reference account to Creditplus Bank.
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