Fixed-Term Deposits Calculator 3/26: ≤ 3.15% Interest Yield for Festgeld in Germany

This fixed-term deposit option by IKB Deutsche Industriebank has a duration of 36 months. Interest on the "IKB Festgeld" is paid at maturity. The minimum deposit amount is 5,000 euros, and the maximum deposit amount is 250,000 euros.

IKB Deutsche Industriebank AG is a German bank with a long-standing focus on corporate and project financing, particularly for medium-sized enterprises. Founded in 1924, IKB is one of Germany’s established specialist banks and combines traditional banking expertise with selected retail savings products.

Alongside its core corporate banking activities, IKB offers deposit products such as Tagesgeld and fixed-term deposits to private customers, primarily via digital channels. The bank emphasises stability, professional risk management, and transparent conditions.

Deposits at IKB Deutsche Industriebank are secured through European Union regulation and the national deposit guarantee scheme of Germany.

Read more in our detailed review about IKB Deutsche Industriebank IKB Festgeld

This fixed-term deposit option by Banca Sistema has a duration of 48 months. Interest on the "Festgeld - raisin" is paid annually. The minimum deposit amount is 5,000 euros, and the maximum deposit amount is 100,000 euros.

Banca Sistema is an Italian financial institution founded in Milan in 2011. Banca Sistema now also has offices in Rome and London. In June 2015, it was listed on the Star Segment of the Borsa Italiana stock exchange.

Banca Sistema's services include the purchase of trade receivables from Italian public administrations and tax receivables. To private individuals, they offer savings solutions.

Deposits at Banca Sistema are secured through European Union regulation and the national deposit guarantee scheme of Italy.

Read more in our detailed review about Banca Sistema Festgeld - raisin

This fixed-term deposit option by TF Bank has a duration of 36 months. Interest on the "Festgeld - raisin" is paid annually. The minimum deposit amount is 5,000 euros, and the maximum deposit amount is 85,000 euros.

Founded in 1987, TF Bank is a Swedish online bank specializing in consumer banking and financial services. In 2012, TF Bank obtained an official Swedish Banking license from the national supervisory authorities. For German customers, its portfolio includes credit cards and savings accounts. With a presence across several European markets, TF Bank focuses on accessible online and competitive products adapted to local needs.

Deposits at TF Bank are secured through European Union regulation and the national deposit guarantee scheme of Sweden.

Read more in our detailed review about TF Bank Festgeld - raisin

This fixed-term deposit option by Rediem Capital AB has a duration of 48 months. Interest on the "Festgeld - raisin" is paid annually. The minimum deposit amount is 5,000 euros, and the maximum deposit amount is 100,000 euros.

Rediem Capital is a Swedish credit market company founded in 2024. It is headquartered in Stockholm and supervised by the Swedish Financial Supervisory Authority (Finansinspektionen). The bank offers attractive fixed-term deposits to private customers in several European markets.

Since 2026, Rediem Capital has been part of Myntro Group (formerly Alektum Group), a debt collection company founded in 1992 and headquartered in Bremen, Germany.

Deposits at Rediem Capital AB are secured through European Union regulation and the national deposit guarantee scheme of Sweden.

Read more in our detailed review about Rediem Capital AB Festgeld - raisin

This fixed-term deposit option by HoistSpar has a duration of 12 months. Interest on the "HoistSpar Festgeld" is paid at maturity.

HoistSpar is a Swedish financial institution founded in 1994 in Stockholm. The company is in 13 markets across Europe and is regulated by the Swedish FSA. Hoist Finance is an asset management company focused on investing in and managing loan portfolios, especially non-performing consumer loans. Herein, it works in partnership with international banks and financial institutions across Europe. Moreover, its clients are over-indebted consumers, enabling them to become debt-free through debt restructuring and the creation of sustainable repayment plans.

Deposits at HoistSpar are secured through European Union regulation and the national deposit guarantee scheme of Sweden.

Read more in our detailed review about HoistSpar HoistSpar Festgeld

This fixed-term deposit option by Holm Bank has a duration of 24 months. Interest on the "Festgeld - raisin" is paid annually. The minimum deposit amount is 5,000 euros, and the maximum deposit amount is 100,000 euros.

Holm Bank is a financial institution based in Estonia, an EU member state known for its innovative digital solutions. Initially, focusing on financing installment purchases, Holm Bank's services are now available in Estonia through over 1,000 retail partners and more than 2,000 points of sale.

Since 2019, Holm Bank has significantly expanded its product range. The institution now also offers its customers fixed-term deposits, installment loans, car loans, credit cards, and business loans for small and medium-sized enterprises. All services are available online. In the same year, Holm Bank was the first Estonian credit institution to receive a licence from the European Central Bank under the new European Union Single Supervision Mechanism framework.

Deposits at Holm Bank are secured through European Union regulation and the national deposit guarantee scheme of Estonia.

Read more in our detailed review about Holm Bank Festgeld - raisin

This fixed-term deposit option by GEFA Bank has a duration of 36 months. Interest on the "GEFA ZinsWachstum 3 Jahre" is paid annually. The minimum deposit amount is 10,000 euros, and the maximum deposit amount is 500,000 euros.

GEFA Bank is a German specialist bank focused on equipment and vehicle financing for businesses and corporate customers. Part of the Crédit Agricole group - France’s second-largest financial provider - GEFA offers leasing, installment loans, and financing solutions rather than broad retail deposit products. However, they also offer savings accounts to private consumers.

Deposits at GEFA Bank are secured through European Union regulation and the national deposit guarantee scheme of Germany.

Read more in our detailed review about GEFA Bank GEFA ZinsWachstum 3 Jahre

This fixed-term deposit option by Inbank has a duration of 60 months. Interest on the "Festgeld - raisin" is paid annually. The minimum deposit amount is 2,000 euros, and the maximum deposit amount is 100,000 euros.

Inbank is based in Tallinn, Estonia, and has branches in Latvia and Poland. Since obtaining its own banking license in 2015, Inbank has become Estonia's youngest and fastest-growing financial institution. The institution originally emerged from the financial technology company Cofi AS, market leader for installment payment agreements in Estonia.

Deposits at Inbank are secured through European Union regulation and the national deposit guarantee scheme of Estonia.

Read more in our detailed review about Inbank Festgeld - raisin

This fixed-term deposit option by Collector Bank has a duration of 30 months. Interest on the "Festgeld - raisin" is paid annually. The minimum deposit amount is 500 euros, and the maximum deposit amount is 100,000 euros.

Collector was founded in 1999 and is based in Gothenburg. It is a Swedish digital bank offering financial solutions for private and corporate customers. The bank is a full subsidiary of Norion Bank AB, which is listed on Nasdaq Stockholm.

 Collector's banking services include savings accounts, credit solutions, and digital financial products. In addition, it offers payment solutions for e-commerce and retail, factoring, growth and savings accounts, and real estate loans.

Deposits at Collector Bank are secured through European Union regulation and the national deposit guarantee scheme of Sweden.

Read more in our detailed review about Collector Bank Festgeld - raisin

This fixed-term deposit option by Nordax Bank has a duration of 24 months. Interest on the "Festgeld - raisin" is paid annually. The minimum deposit amount is 2,000 euros, and the maximum deposit amount is 85,000 euros.

Nordax Bank is a specialist online bank headquartered in Stockholm, Sweden, focusing primarily on consumer savings and lending products across the Nordic region. Founded in 2003, the bank has grown into one of Sweden’s established niche financial institutions, serving customers in Sweden, Norway, Finland, and Germany. Nordax Bank is supervised by the Swedish Financial Supervisory Authority (Finansinspektionen) and operates under strict Nordic regulatory standards. Their savings products are generally distributed in Germany through digital platforms such as Raisin, making them accessible to depositors from various EU countries.

Deposits at Nordax Bank are secured through European Union regulation and the national deposit guarantee scheme of Sweden.

Read more in our detailed review about Nordax Bank Festgeld - raisin

This fixed-term deposit option by GEFA Bank has a duration of 48 months. Interest on the "GEFA AuszahlPlan" is paid annually. The minimum deposit amount is 10,000 euros.

GEFA Bank is a German specialist bank focused on equipment and vehicle financing for businesses and corporate customers. Part of the Crédit Agricole group - France’s second-largest financial provider - GEFA offers leasing, installment loans, and financing solutions rather than broad retail deposit products. However, they also offer savings accounts to private consumers.

Deposits at GEFA Bank are secured through European Union regulation and the national deposit guarantee scheme of Germany.

Read more in our detailed review about GEFA Bank GEFA AuszahlPlan

This fixed-term deposit option by Creditplus Bank has a duration of 72 months. Interest on the "Festgeld - raisin" is paid annually.

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.

Deposits at Creditplus Bank are secured through European Union regulation and the national deposit guarantee scheme of Germany.

Read more in our detailed review about Creditplus Bank Festgeld - raisin

This fixed-term deposit option by Renault Bank direkt has a duration of 60 months. Interest on the "Renault Bank direkt Festgeld" is paid monthly. The minimum deposit amount is 2,500 euros.

Renault Bank direkt is the German online bank of the Renault Group and a division of RCI Banque SA. Founded in 1924, RCI Banque SA is a wholly-owned subsidiary of the car manufacturer Renault SAS and offers automotive financial services in around 40 countries worldwide. They also offer retail banking and savings services to private customers in Germany. Renault Bank direkt markets itself as a reliable, no-frills option for savers who want flexible access to their funds while benefiting from solid banking infrastructure.

Deposits at Renault Bank direkt are secured through European Union regulation and the national deposit guarantee scheme of France.

Read more in our detailed review about Renault Bank direkt Renault Bank direkt Festgeld

This fixed-term deposit option by Rediem Capital has a duration of 12 months. Interest on the "Rediem Capital Festgeld" is paid at maturity. The minimum deposit amount is 5,000 euros, and the maximum deposit amount is 90,000 euros.

Rediem Capital is a Swedish credit market company founded in 2024. It is headquartered in Stockholm and supervised by the Swedish Financial Supervisory Authority (Finansinspektionen). The bank offers attractive fixed-term deposits to private customers in several European markets.

Since 2026, Rediem Capital has been part of Myntro Group (formerly Alektum Group), a debt collection company founded in 1992 and headquartered in Bremen, Germany.

Deposits at Rediem Capital are secured through European Union regulation and the national deposit guarantee scheme of Sweden.

Read more in our detailed review about Rediem Capital Rediem Capital Festgeld

This fixed-term deposit option by Banca Sistema has a duration of 36 months. Interest on the "Festgeld - raisin" is paid annually. The minimum deposit amount is 5,000 euros, and the maximum deposit amount is 100,000 euros.

Banca Sistema is an Italian financial institution founded in Milan in 2011. Banca Sistema now also has offices in Rome and London. In June 2015, it was listed on the Star Segment of the Borsa Italiana stock exchange.

Banca Sistema's services include the purchase of trade receivables from Italian public administrations and tax receivables. To private individuals, they offer savings solutions.

Deposits at Banca Sistema are secured through European Union regulation and the national deposit guarantee scheme of Italy.

Read more in our detailed review about Banca Sistema Festgeld - raisin