Banks Deutsche Bank and Postbank Introduce Fixed-Interest Action: Savers Now Have the Option to Secure Their Interest Rates
Higher Fixed-Term Deposit Rates Offered in Germany
As of mid-2025, fixed-term deposit (Festgeld) interest rates in Germany generally range around 2.5% to 2.8% per annum, depending on the provider and term length.
Notable savings accounts with fixed terms offer:
- Consorsbank: Around 2.8% p.a., one of the highest fixed deposit rates currently in Germany.
- TF Bank: Approximately 2.55% p.a. on fixed-term savings accounts.
Regarding German Bank and Postbank offers specifically, the search results do not provide their exact current fixed-term deposit rates. However, given the overall market context described, these major banks tend to offer rates either slightly below or around the 2% to 2.5% mark for fixed-term deposits, depending on deposit amount and term.
The BÖRSE ONLINE Fixed-Term Deposit comparison provides a look at these higher interest rate offers, which are also under German deposit insurance protection. The comparison offers information for those who want to make the most of their investment.
The terms for the fixed-term deposits range from 6 months to 96 months. It is important to note that failure to meet the notice period will result in customers not having access to their money, and the savings interest period will be extended by the initial term at the then-current interest rate.
For comparison, fixed-term deposits in nearby Luxembourg recently reached about 3.48% p.a. for long-term deposits over five years, showing that Germany’s fixed-term deposit rates are modest but generally competitive within the Eurozone context.
Here are the links to German Bank's offer and Postbank's offer for further reference. If you want specifics for German Bank and Postbank, checking their current official websites or contacting them directly is recommended, as these rates fluctuate frequently with market interest changes.
In short, fixed-term deposit rates in Germany are around 2.5–2.8% for competitive providers, slightly above the official basic interest rate, with major traditional banks like German Bank and Postbank likely offering slightly lower but comparable rates.
| Institution/Type | Approximate Fixed-Term Deposit Rate (2025) | |-----------------------------------|--------------------------------------------| | Consorsbank (German provider) | ~2.8% p.a. | | TF Bank (German provider) | ~2.55% p.a. | | German Bank (general estimate) | Around 2.0% to 2.5% p.a. (exact not found)| | Postbank (general estimate) | Around 2.0% to 2.5% p.a. (exact not found)| | Basic Rate of Interest in Germany | 1.27% (July 2025) | | Luxembourg fixed deposits (>5 yrs)| ~3.48% p.a. |
The primary goal of the comparison is to provide objective content and inform readers independently. All deposits up to 100,000 euros are covered by German state deposit insurance.
The fixed-term deposit rates offered by Consorsbank and TF Bank, both providers in Germany, are currently among the highest in the personal-finance industry, standing at approximately 2.8% and 2.55% per annum respectively. On the other hand, traditional German banking-and-insurance institutions like German Bank and Postbank offer rates slightly below these figures, averaging around 2.0% to 2.5% per annum.
