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Germany · Term deposit

Best term deposit rates in Germany

Compare the highest term deposit rates in Germany right now — 4 products tracked, updated 2026-09-17, ranked strictly by rate. YieldMeister is affiliate-free: no provider pays for placement. The top rate we track in Germany is 3.5% p.a. at Bigbank.

Always confirm the current rate, conditions and deposit-guarantee scheme with the provider before depositing. In the EU, eligible bank deposits are protected up to €100,000 per person per bank under the national Deposit Guarantee Scheme.

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Provider / product Type Term Market Rate (p.a.) Source
Festgeld (top advertised rate)
Term deposit varies 🇩🇪 DE 3.50% live
Festgeld (top advertised rate)
Term deposit varies 🇩🇪 DE 3.21% live
12-month Festgeld
Term deposit 1y 🇩🇪 DE 3.15% live
Festgeld+ (top rate)
Term deposit varies 🇪🇺 EU 3.10% live

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Easy-access savings · Government T-bill · All rates · API