Would you like to save simply, securely and profitably while making a contribution to the development of your city? Then SBV is the right place for you. With us, you always know where your money is "working", because all of our members' savings deposits remain in our co-operative. They are reinvested exclusively in refurbishment or new-build projects or used to repay loans.
As a housing cooperative, SBV not only offers its members a secure roof over their heads; with its savings facility, it is also a "safe bank".
You can find out more about our terms and conditions here.
Current note: The SBV Representatives' Meeting has decided to incorporate the savings regulations into the SBV statutes.
The following personal consultation hours apply:
Mondays: 9:00 to 12:00 and 14:00 to 16:00
Tuesdays: closed
Wednesdays: closed
Thursdays: 9:00 a.m. to 12:00 p.m. and 2:00 p.m. to 5:30 p.m.
Fridays: closed
Our savings facility is open to all members of SBV eG and their relatives. You can see exactly who is a member here at a glance.
Not yet a member? You can become a member immediately by purchasing just one membership share (160 euros plus 50 euros admission fee). Please get in touch with our membership department, you will find the contact details under "Savings facility and membership".
Minimum deposit: 1 Euro
Cancellation period: 3 months
Interest credited: on 31.12. of each year
Interest rate: variable
Deposit: Bank transfer, regular deposits can be made conveniently by standing order.
Availability: With a classic savings account with a 3-month notice period, 2,000 euros are available within one calendar month without prior cancellation and without interest penalty. The calculation of any interest payable in advance is described in the conditions notice.
Condition: 0.60 % p.a.
Status: 1 January 2025
Minimum deposit: 1 Euro
Cancellation period: 3 months
Interest credited: on 31.12. each year
Interest rate: variable
Deposit: bank transfer, regular deposits can be made conveniently by standing order.
Availability: With a Junior Savings Account with a 3-month notice period, 2,000 euros are available within one calendar month without prior cancellation and without interest penalty. The calculation of any advance interest is described in the conditions notice.
The special interest rate applies up to the amount limit of EUR 2,500 and up to the age of 18. For investments of EUR 2,500.01 or more, the excess balance bears interest at the interest rate of the Classic Savings Account. Upon reaching the age of majority, the interest rate is changed to the interest rate of the Classic Savings Account. The calculation of any interest on advances is described in the terms and conditions.
| Credit balance: | up to 2,500 euros | from 2,500.01 euros |
| Interest rate | 1.20 % p.a. | 0.60 % p.a. |
Status: 1 January 2025
Minimum deposit: 2,500 euros
Cancellation period: 3 months with an advance notice period of 9, 21, 33, 45 months.
Interest credited: on 31.12. of each year
Interest: fixed guaranteed interest for the contractually agreed term, compound interest effect through reinvestment of interest
Deposit: one-off investment, additional payments are not possible
Availability: Disposals within the contractually agreed cancellation blocking period are not possible. Thereafter, withdrawals are also possible before the end of the subsequent cancellation period. The calculation of any advance interest due is described in the conditions notice.
Terms: 1 to 4 years as desired
| Term | 1 year | 2 years | 3 years | 4 years | |
| Interest rate from 2,500 euros p.a. | 2,20 % | 2,30 % | 2,40 % | 2,50 % |
Status: 1 January 2025
Minimum deposit: 2,500 euros
Cancellation period: 3 months with an upstream cancellation blocking period of 12 months
Interest credited: on 31 December of each year to your Classic Savings Account
Interest: annually increasing interest rate, fixed for the entire term
Deposit: one-off investment, additional payments are not possible
Availability: After expiry of the cancellation blocking period, withdrawals are possible up to the minimum deposit amount of EUR 2,500.00. If the minimum deposit amount is not reached, we will pay the interest rate of the Classic Savings Account. The calculation of any interest on advances is described in the terms and conditions.
Term: up to 6 years
| Term | 1st year | 2nd year | 3rd year | ||
| Interest rate from 2,500 euros p.a. | 2,20 % | 2,30 % | 2,40 % |
| Maturity | 4th year | 5th year | 6th year | ||
| Interest rate from 2,500 euros p.a. | 2,50 % | 2,60 % | 2,70 % |
Yield: 2.45 % p.a.
Status: 1 January 2025
Information about the self-help fund of the GdW Bundesverband deutscher Wohnungs- und Immobilienunternehmen e. V. for securing savings deposits of housing cooperatives with savings facilities:
Selbsthilfe-Bauverein eG Flensburg is a member of the self-help fund for securing savings deposits of housing cooperatives with savings facilities. The sole purpose of this self-help fund is to secure customers' deposits with the affiliated housing co-operatives. To this end, the affiliated housing cooperatives make annual contributions. If there is a risk that a housing cooperative with a savings facility will not be able to fulfil the obligation arising from deposits, the GdW can use the self-help fund within the framework of the statutes and in the interests of confidence in the affiliated housing cooperatives. However, there is no formal legal entitlement.
Since the GdW's self-help fund was set up in 1974, there has not yet been a case in which the self-help fund has had to intervene.
The GdW's self-help fund is governed by the "Statute of the Self-Help Fund for the Protection of Savings Deposits of Housing Cooperatives" which we will be happy to make available to you on request.
