12 months
2.47% (paid Annually)
Min. €2,000
Max. €100,000
Max. €100,000
Younited Credit Fixed-Term Deposit: Festgeld - raisin Review 2026
In a nutshell:
- The “Festgeld - raisin” is a fixed-term deposit offered by Younited Credit.
- The return on the Younited Credit fixed-term deposit is dependent on the duration of the deposit. The highest interest is 2.8% annually for a duration of 36 months.
- Savings are protected under the national deposit insurance scheme of France.
Find all the details and rates below in our frequently asked questions on the fixed-term deposit by Younited Credit.
How much interest does the Younited Credit Festgeld - raisin pay?
Younited Credit offers the fixed-term deposit “Festgeld - raisin” in 6 different terms, with annual percentage yields ranging from 2.47% to 2.80%. The highest interest is paid for the 60-month fixed-term deposit.
In comparison, the top Festgeld high-yield savings accounts are currently offered by J&T Direktbank (3.5% for 120 months) and Raiffeisenbank Wittelsbacher Land (3.33% for 6 months).
You can find an overview of all conditions for the Younited Credit Younited Credit fixed-term deposits in the following table:
Term
Interest rate
Deposit amount
18 months
2.56% (paid Annually)
Min. €2,000
Max. €100,000
Max. €100,000
24 months
2.62% (paid Annually)
Min. €2,000
Max. €100,000
Max. €100,000
36 months
2.8% (paid Annually)
Min. €2,000
Max. €100,000
Max. €100,000
48 months
2.8% (paid Annually)
Min. €2,000
Max. €100,000
Max. €100,000
60 months
2.8% (paid Annually)
Min. €2,000
Max. €100,000
Max. €100,000
Who is behind Younited Credit?
Younited was founded in 2009 under the name Prêt d'Union and is listed on the Euronext stock exchange. Nowadays, it has more than one million customers in countries including France, the Netherlands, Italy, Spain, and Portugal. The company is committed to helping households across Europe build financial stability—with a focus on education, protection, and inclusion.
Through its advanced technology platform, Younited offers personal loans, payment solutions, insurance products, customized budget advice, and more. In addition to its consumer offerings, the bank collaborates with well-known companies in the retail, telecommunications, and banking sectors.
How safe is my money with Younited Credit?
Deposits held with Younited are protected under the French statutory deposit guarantee scheme (Fonds de Garantie des Dépôts et de Résolution – FGDR), which secures eligible deposits up to 100,000 euros per person and institution. France generally maintains an investment‑grade sovereign credit rating (A+).
See all fixed-term deposits
Check our complete list of time money and easily calculate your possible return.
Best interest rates for Festgeld in Germany in April 2026
How can I manage the Festgeld - raisin account?
Your Younited Credit 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 Younited Credit ’s own systems or require additional apps or credentials for any administrative steps related to the fixed-term deposit.
How can I open the Younited Credit “Festgeld - raisin“?
Opening the "Festgeld - raisin" fixed-term deposit with Younited Credit 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 Younited Credit'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 Younited Credit. The desired amount will automatically be transferred from your Raisin reference account to Younited Credit.
About the Author
Disclaimer: This blog and providing support are my passion and hobby. However, I do not intend to provide financial advice. All investments involve risks of loss. This post is non-binding, for informational purposes only, and does not represent a complete market overview. I do not take responsibility for the accuracy and up-to-dateness of the data (§18 ZKG).
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