CreditPlus Festgeld review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
CreditPlus Festgeld pays a fixed rate of 2.45% to 3.1% for terms of 3 to 84, so it suits German savers with a lump sum they can leave untouched. The deposit sits under EU DGS up to EUR 100,000 and earns interest each year, credited to a reference account of their choice.
Key facts
- Best for
- Locking a lump sum in euros for a fixed term with no monthly fee.
- Headline rate
- 2.45% to 3.1%↗
- Rate type
- Fixed↗
- Term
- 3 to 84 months↗
- Minimum deposit
- €5,000↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Access terms
- Online application, money tied for the 3-84 month term, no top-up before maturity, automatic extension (12 months, or the original term under 12 months) unless cancelled at least 3 working days before maturity, interest credited yearly to a reference account↗
- Monthly fee
- €0↗
- Account kind
- Fixed↗
- Legal entity
- Creditplus Bank AG↗
- Headquarters
- Germany↗
- Founded
- 1960↗
- Support channels
- Email, Phone, Chat, Help-centre↗
- Pricing model
- No monthly fee, Fixed rate
- Official website
- creditplus.de
Facts checked September 26, 2026, 5 sources
Pros and cons
Pros
- Fixed rate of 2.45% to 3.1% across terms of 3 to 84
- Deposits sit under EU DGS up to EUR 100,000
- The bank has operated since 1960
- Support covers email, phone and chat
Cons
- The minimum deposit of €5,000 is high for small savers
- Branches and messaging apps are not among its support channels (email, phone and chat)
- The account is fixed, so the money cannot be moved before maturity
Who it suits
- Savers in Germany with a lump sum of €5,000 or more
- Anyone who can leave the money untouched for the full term
- Balances that sit within EU DGS up to EUR 100,000
Who should look elsewhere
- bunq, if you want to add to or spend from the balance while it earns
- Wise, if you need the cash in several currencies rather than a euro term deposit
- Finteres, if a smaller opening balance suits you better than €5,000
Rates and terms
CreditPlus Festgeld pays a fixed rate of 2.45% to 3.1% on its term deposit, and the rate type is fixed, so the return holds rather than moving with the market. Terms run 3 to 84, which gives room to match the lock-in to a date you already know. Pick the term that suits the money you can leave untouched.
Safety of your money
Deposits are covered by EU DGS up to EUR 100,000, the EU deposit guarantee, so a balance held with Creditplus Bank AG is protected within that ceiling. The account sits with Creditplus Bank AG, based in Germany, and the bank is supervised by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) and Europäische Zentralbank (EZB). Keeping the sum under the ceiling leaves the whole deposit covered rather than part of it.
How CreditPlus Festgeld compares
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Where CreditPlus Festgeld is available
- Available
- Germany
- Licence in Germany
- Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026
- Licence in Germany
- Europäische Zentralbank (EZB), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does CreditPlus Festgeld pay and over what term?+
It pays a fixed rate of 2.45% to 3.1% and the rate type is fixed, so the return holds for the whole term. Terms run 3 to 84, which lets a saver match the lock-in to a date that suits them rather than accepting a short default.
Is there a monthly or account fee?+
There is no monthly fee of €0 on the account, and the account kind is fixed. Nothing is deducted each month for keeping it open, so the interest rate is the whole return on the deposit.
How much do I need to open the account?+
The minimum deposit is €5,000, which is high next to everyday savings accounts that accept small amounts. It suits savers with a lump sum to place, not those adding money in small instalments over time.
Is my money protected if the bank fails?+
Deposits are covered by EU DGS up to EUR 100,000. The account is held with Creditplus Bank AG, based in Germany, and the bank is supervised by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) and Europäische Zentralbank (EZB). Keeping a balance within the ceiling means the whole deposit is covered.
Can I add money or take it out early?+
No top-up is allowed before maturity, so the balance cannot grow while the term runs. A deposit that rolls over continues for another term unless it is cancelled at least a few working days before maturity, so diarise the end date.
How is the interest paid?+
Interest is credited yearly to a reference account rather than added to the deposit, so the money stays where it was placed until the term ends. The application is made online, and the balance is tied for the length of the chosen term.
How do I reach the bank if something goes wrong?+
Support runs on email, phone and chat, which covers email, phone, chat and a help centre. A phone line is the quickest route for anything urgent, such as a query close to the maturity date or a change to the reference account details.
How does it compare with other savings options?+
bunq pays 3.01% and Wise pays 3.29%, both on balances you can still reach. CreditPlus Festgeld pays 2.45% to 3.1% on a term deposit, so the trade-off is rate against access, and the minimum deposit is €5,000.
Sources
- creditplus.de/faq checked September 26, 2026
Backs: Support channels
“24/7 Soforthilfe, Chat, E-Mail, Telefon Kunden”
- creditplus.de/faq/festgeld checked September 26, 2026
Backs: Access terms, Monthly fee
- creditplus.de/festgeld checked September 26, 2026
Backs: Account kind, Headline rate, Minimum deposit, Pricing model, Rate type, Term
“Aktuelle Festgeldzinsen: 3 Monate 2,45% p.a. bis 84 Monate 3,10% p.a. (Festgeld)”
- creditplus.de/impressum checked September 26, 2026
Backs: Deposit protection, Headquarters, Legal entity, Licences
“mit Sitz in Stuttgart ... Filialen in Deutschland: Berlin, Hamburg, München, Nürnberg, Stuttgart (Filiale und Zentrale)”
- creditplus.de/ueber-uns/unternehmen checked September 26, 2026
Backs: Founded
“Fakten zur Creditplus: Gründung 1960”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
CreditPlus Festgeld
Locking a lump sum in euros for a fixed term with no monthly fee.