CreditPlus Festgeld review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
CreditPlus Festgeld suits savers in Germany who can lock cash away for a set term and want the return fixed. Headline rates run 2.45% to 3.1% on a minimum deposit of €5,000, with a monthly fee of €0 and deposit cover of EU DGS up to EUR 100,000.
Key facts
- Best for
- Locking euro savings for a fixed term at a known rate.
- 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
- A fixed rate of 2.45% to 3.1% holds across the term
- Deposit protection set at EU DGS up to EUR 100,000
- Terms of 3 to 84 to match different savings horizons
- Support runs on email, phone and chat
Cons
- The minimum deposit of €5,000 is high for small savers
- The deposit extends automatically at maturity unless it is cancelled in advance
Who it suits
- Savers in Germany with a lump sum of at least €5,000
- People happy to leave the money in place for one of the 3 to 84 terms
- Savers who want a fixed return over the whole lock-in
Who should look elsewhere
- Savers with a small amount, since the minimum deposit is €5,000
- Anyone needing the money during the term, because the fixed account locks the balance
- Readers chasing a bigger headline such as PayPal Colombia at 3.3%, which is a different kind of product
Rates and terms
CreditPlus Festgeld pays 2.45% to 3.1% on a fixed rate, so the return is set when the deposit opens and holds to the end of the term. Terms run 3 to 84, which lets you match the lock-in to a period you are sure you can leave the money in. The fixed rate type means a rate change elsewhere in the market leaves what this deposit pays untouched.
How CreditPlus Festgeld compares
9.2 vs 8.6
9.2 vs 9.5
9.2 vs 8.0
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 8.9
9.2 vs 8.7- 9.2 vs 8.0
9.2 vs 9.0
9.2 vs 8.1
9.2 vs 8.7
9.2 vs 8.0
9.2 vs 9.5
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 9.2
9.2 vs 9.0
9.2 vs 8.7
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.4
9.2 vs 8.3
9.2 vs 9.0
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?+
The headline rate is 2.45% to 3.1% and the rate type is fixed. The return is set when the deposit is opened and holds to the end of the term, so later moves in the market leave what the deposit pays unchanged.
How much do I have to put in?+
The minimum deposit is €5,000. It is a lump-sum level, so the account suits savers who already hold a tidy sum rather than people adding a little each month. The account kind is fixed.
How long do I have to leave the money?+
Terms run 3 to 84, and the deposit is tied for the whole of that period, so choose a term that suits a date you are sure you will not need the money. It rolls into another term at maturity unless you cancel it in good time before the end date.
Is my money protected?+
Yes. Deposits are covered by EU DGS up to EUR 100,000. The provider is Creditplus Bank AG, based in Germany, and it has been running since 1960. It is supervised there by the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) and the Europäische Zentralbank (EZB).
What does the account cost?+
The monthly fee is €0, so holding the deposit costs nothing month to month. Interest arrives once a year to the reference account, and the account kind is fixed, so the only choice is the term.
Where does the interest go?+
Interest is credited yearly to a reference account rather than paid into the deposit. You choose that account when you open the deposit, so it is worth pointing it at the account you use day to day, and the deposit itself stays fixed until maturity.
How do I open it and get help?+
The application is made online, and support runs on email, phone and chat. Once the deposit is placed it is tied for the 3 to 84 term, so have the whole sum ready when you apply and know which reference account should receive the interest.
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.