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.


What happens if I need my money before the end of the contracted period?

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.

Can I top up an existing investment under the same conditions during the term?

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.

When will the interest be credited?

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.

  1. 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.