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Kommunalkredit Invest Fixed-Term Deposit: Festgeld Review 2026

Settle in Germany Banking Savings Fixed-Term Deposits Kommunalkredit Invest Festgeld

Christian - German Expat Banking & Connectivity Expert

Last updated on

In a nutshell:

  • The “Festgeld” is a fixed-term deposit offered by Kommunalkredit Invest.
  • The return on the Kommunalkredit Invest fixed-term deposit is dependent on the duration of the deposit. The highest interest is 3.1% annually for a duration of 24 months.
  • Savings are protected under the national deposit insurance scheme of Austria.

Find all the details and rates below in our frequently asked questions on the fixed-term deposit by Kommunalkredit Invest.

How much interest does the Kommunalkredit Invest Festgeld pay?

Kommunalkredit Invest offers the fixed-term deposit “Festgeld” in 16 different terms, with annual percentage yields ranging from 1.40% to 3.10%. The highest interest is paid for the 120-month fixed-term deposit.

In comparison, the top Festgeld high-yield savings accounts are currently offered by Achmea Bank (3.6% for 120 months) and J&T Direktbank (3.5% for 120 months).

You can find an overview of all conditions for the Kommunalkredit Invest Kommunalkredit Invest fixed-term deposits in the following table:

Term

Interest rate

Deposit amount

12 months

3% (paid At maturity)

Min. €10,000
Max. €500,000
Check details

18 months

3% (paid At maturity)

Min. €10,000
Max. €500,000
Check details

24 months

3.1% (paid At maturity)

Min. €10,000
Max. €500,000
Check details

36 months

3.1% (paid At maturity)

Min. €10,000
Max. €500,000
Check details

Who is behind Kommunalkredit Invest?

Kommunalkredit Invest is a financial institution based in Vienna, Austria, that provides a range of investment and savings products, including savings accounts and fixed‑term deposits.As part of the broader Kommunalkredit Group, founded in 1958, it focuses on financing and investment solutions for larger infrastructure projects.

Retail customers can access deposit products such as Tagesgeld via digital channels and partner platforms.

How safe is my money with Kommunalkredit Invest?

Kommunalkredit Austria AG
Branch Germany is affiliated with the Austrian deposit protection scheme AUSTRIA Ges.m.b.H. under the German regulation for cross-border German deposit protection. Deposits held are protected by the deposit protection scheme AUSTRIA Ges.m.b.H. up to a current equivalent value of 100,000 Euro. Austria’s credit rating is AA+.

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 account?

Kommunalkredit Invest provides online banking to manage the fixed-term deposit. There is no mobile app for the Festgeld. Customer service is reachable via email and phone. Only German is available as a support language.

How can I open the Kommunalkredit Invest “Festgeld“?

To open the Kommunalkredit Invest fixed-term deposit in Germany, you first set up a reference account (Transferkonto), which serves as the "hub" for all of your Kommunalkredit Invest savings.

You must have a valid mobile phone number, a main residence in Germany, and be at least 18 years old. An account can only be opened as a private person and for yourself. The identification process can be done online via VideoIdent or in-person at a Post office branch (PostIdent). For payouts from and deposits to your Festgeld, you require a current account with a German IBAN (bank account number starting with DE).

Click here to get your Kommunalkredit Invest 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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