3 months
1.8% (paid Annually)
Min. €25,000
Max. €150,000
Max. €150,000
Volksbank Marl-Recklinghausen Fixed-Term Deposit: Festgeld - raisin Review 2026
In a nutshell:
- The “Festgeld - raisin” is a fixed-term deposit offered by Volksbank Marl-Recklinghausen.
- The return on the Volksbank Marl-Recklinghausen fixed-term deposit is dependent on the duration of the deposit. The highest interest is 2.1% annually for a duration of 12 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 Volksbank Marl-Recklinghausen.
How much interest does the Volksbank Marl-Recklinghausen Festgeld - raisin pay?
Volksbank Marl-Recklinghausen offers the fixed-term deposit “Festgeld - raisin” in 4 different terms, with annual percentage yields ranging from 1.80% to 2.10%. The highest interest is paid for the 12-month fixed-term deposit.
In comparison, the top Festgeld high-yield savings accounts are currently offered by Raiffeisenbank Wittelsbacher Land (3.33% for 6 months) and Rediem Capital AB (3.25% for 120 months).
You can find an overview of all conditions for the Volksbank Marl-Recklinghausen Volksbank Marl-Recklinghausen fixed-term deposits in the following table:
Term
Interest rate
Deposit amount
6 months
2.05% (paid Annually)
Min. €25,000
Max. €150,000
Max. €150,000
9 months
1.95% (paid Annually)
Min. €25,000
Max. €150,000
Max. €150,000
12 months
2.1% (paid Annually)
Min. €25,000
Max. €150,000
Max. €150,000
Who is behind Volksbank Marl-Recklinghausen?
Based in the Recklinghausen district of North Rhine-Westphalia, Volksbank Marl-Recklinghausen eG is one of the largest regional cooperative banks. It is entirely supported by its members and customers and promotes regional development. The institution in its current form has existed since 1897.
Volksbank Marl-Recklinghausen eG's portfolio includes traditional banking services, construction financing, insurance, and retirement planning products for private and corporate customers.
How safe is my money with Volksbank Marl-Recklinghausen?
A two-tier system doubly secures deposits at Volksbank Marl-Recklinghausen: The statutory deposit protection of up to 100,000 euros per customer in line with the EU guidance. Clients benefit from Germany's fiscal strength with the highest available sovereign credit rating, AAA.
Additionally, Volksbank Marl-Recklinghausen adheres to the voluntary protection scheme of the National Association of German Cooperative Banks (BVR), in particular the BVR Institutssicherung GmbH. It practically protects unlimited deposits by providing mutual support among institutions. This system provides comprehensive protection that exceeds the statutory limit.
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Check our complete list of time money and easily calculate your possible return.
How can I manage the Festgeld - raisin account?
Your Volksbank Marl-Recklinghausen 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 Volksbank Marl-Recklinghausen ’s own systems or require additional apps or credentials for any administrative steps related to the fixed-term deposit.
How can I open the Volksbank Marl-Recklinghausen “Festgeld - raisin“?
Opening the "Festgeld - raisin" fixed-term deposit with Volksbank Marl-Recklinghausen 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 Volksbank Marl-Recklinghausen'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 Volksbank Marl-Recklinghausen. The desired amount will automatically be transferred from your Raisin reference account to Volksbank Marl-Recklinghausen.
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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