Graduated interest

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The Season interest (also Stufenzins called) indicates a staggered according to specific criteria interest rate .

species

Staggered interest rate

In the case of products with staggered interest rates, the interest rate changes during the term; usually it increases annually or after several years. If it is a question of securities , one speaks of stepped interest rate bonds . This form is offered by banks for long-term customer deposits. The best-known example of this is the federal treasury note from the Federal Finance Agency . Further examples are growth savings or growth savings, which are offered by various savings banks . In addition, staggered interest rates are used primarily by Volksbanks and Raiffeisenbanks for certificates .

In contrast, staggered interest rates are rarely used in credit agreements . An example of a staggered interest rate for loans is the ERP capital program for the establishment of the KfW banking group .

Staggered interest rate

With staggered interest rates, the interest rate changes depending on the amount invested. In the case of overnight money accounts , banks often use an interest rate that is graded according to the amount invested. As a rule, the interest rates decrease in steps with increasing deposit amount. There are also products in which the interest rate rises as the deposit amount increases.

When the threshold is reached, the then applicable interest rate can either apply to the entire investment amount or only to that part of the investment that exceeds the threshold value.