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Crédit Agricole PFM Fixed-Term Deposit: Festgeld - raisin Review 2026

Settle in Germany Banking Savings Fixed-Term Deposits Crédit Agricole PFM Festgeld – raisin

Christian - German Expat Banking & Connectivity Expert

Last updated on

In a nutshell:

  • The “Festgeld - raisin” is a fixed-term deposit offered by Crédit Agricole PFM.
  • The return on the Crédit Agricole PFM fixed-term deposit is dependent on the duration of the deposit. The highest interest is 2.7% annually for a duration of 12 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 Crédit Agricole PFM.

How much interest does the Crédit Agricole PFM Festgeld - raisin pay?

Crédit Agricole PFM offers the fixed-term deposit “Festgeld - raisin” in 5 different terms, with annual percentage yields ranging from 2.30% to 2.70%. 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 Rediem Capital AB (3.65% for 120 months) and Calenberger Kreditverein (3.6% for 84 months).

You can find an overview of all conditions for the Crédit Agricole PFM Crédit Agricole PFM fixed-term deposits in the following table:

Term

Interest rate

Deposit amount

Who is behind Crédit Agricole PFM?

Crédit Agricole Personal Finance & Mobility is part of the Crédit Agricole Group, France's second-largest and one of Europe’s major banking groups, with roots in cooperative and retail banking. This is underlined by its history dating back to 1884.

In Germany, Crédit Agricole Personal Finance & Mobility focuses on consumer finance, savings, and deposit products for private customers. The bank combines the global expertise and financial strength of the Crédit Agricole network with locally adapted services.

How safe is my money with Crédit Agricole PFM?

Deposits held with Crédit Agricole Personal Finance & Mobility in Germany 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 a solid 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 August 2026

 

How can I manage the Festgeld - raisin account?

Your 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 ’s own systems or require additional apps or credentials for any administrative steps related to the fixed-term deposit.

How can I open the Crédit Agricole PFM “Festgeld - raisin“?

Opening the "Festgeld - raisin" fixed-term deposit with 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 '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 . The desired amount will automatically be transferred from your Raisin reference account to .

Click here to get your Crédit Agricole PFM fixed-term deposit!

About the Author

Christian is a founding member of and writer at Settle in Germany. He strives to empower expats - whether fleeing war or seeking their next career step - to make their own smart and confident decisions.His guides deliver reliable and objective information about banking and connectivity in Germany. Christian brings in his profound financial and business knowledge from his studies in International Management and a successful long-year track record within international corporations. Having grown up here and lived in six countries across three continents, Christian knows the ins and outs of German particularities and understands what it means to adjust to a new environment. He is deeply immersed in Berlin's expat community, working as a personal coach to support internationals shaping a new life in Germany.

Disclaimer: This blog and providing support are our passion and hobby. However, we 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. We do not take responsibility for the accuracy and up-to-dateness of the data (§18 ZKG).

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