- Investment sum selected by you1)
- Customised term
- Guaranteed interest rate
Fixed interest rates you can count on
BIB Termin und BIB Festzins
With our fixed-interest investments, BIB Termin und BIB Festzins, it is completely up to you how much money you invest and for how long. We guarantee that you will receive a fixed interest rate. These are ideal options if you are looking for an attractive, secure investment with no price risk.
Manageable period, fixed interest rates
Invest your assets securely. You decide the amount you deposit1) and choose a term tailored precisely to your individual needs. Your money is securely tied up for this period of time, meaning you benefit from attractive interest rates without any risk. The more money you invest and the longer you invest it for, the higher the interest rate will be. At the end of the term, a guaranteed interest amount will be credited to you. You will then immediately be able to access your assets again.
- BIB Termin: select a term between 30 and 359 days
- BIB Festzins: 1–10 years
The amount of interest you receive with BIB Termin und BIB Festzins depends on:
- the amount you deposit, and
- the length of the term.
Enter your investment amount and the investment period into the calculator below. Then add in the interest rate on offer and you will be able to see at a glance the fixed return you can count on.
If you choose a fixed-interest investment, you will not be able to change the investment sum during the term. There is no possibility of early termination. However, by choosing BIB Termin und BIB Festzins, you benefit from an attractive interest rate and an extremely secure investment.
You decide at the outset how much you would like to invest and for how long. Throughout the term, you are not permitted to increase or decrease the amount invested. The term is also fixed once you have signed the contract. This is the only way that BIB is able to offer you such attractive interest rates. With a follow-up contract, you can top up the investment sum under the terms applicable at the time.
The interest is credited at the end of the investment period. If you invest your money as a fixed-interest investment for longer than a year, the interest is always credited at the end of each investment year. The interest can be credited to your reference account or it can be added to your BIB Termin / BIB Festzins investment. You can access then the interest at the end of the investment period.
- Please note that the minimum investment sum is EUR 5000.
Protecting deposits and institutions
BIB is affiliated with BVR Institutssicherung GmbH, an officially recognised organisation, and the additional voluntary protection scheme of the Federal Association of German Cooperative Banks [Bundesverband der Deutschen Volksbanken und Raiffeisenbanken e.V.]. As institutional protection schemes, it is their responsibility to avert or remedy imminent or existing financial difficulties at the institutions affiliated with them (institutional protection). All institutions affiliated with these protection schemes help each other to avoid insolvency. In addition to institutions, customers' deposits – generally savings deposits, savings certificates, term deposits, sight deposits and bonds – are also protected.