Raiffeisenbank Wiesedermeer-Wiesede-Marcardsmoor eG

Raiffeisenbank Wiesedermeer-Wiesede-Marcardsmoor eG is a small German cooperative bank operating in the Wittmund/Friedeburg area of Lower Saxony, organized as an eingetragene Genossenschaft with member ownership and governance via a general assembly. It forms part of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken, with DZ BANK AG as the central institution and typical product partnerships including Union Investment (securities), R+V Versicherung (insurance), Bausparkasse Schwäbisch Hall (building savings), and TeamBank/easyCredit (consumer loans). The bank’s core business covers current accounts, savings and time deposits, SEPA payments, card services, consumer and mortgage lending, agricultural and SME finance, as well as basic investment and insurance brokerage; securities services and custody are generally provided through group platforms. Access is via local branches, the VR BankingApp and online banking, with strong customer authentication under PSD2; cash services typically include withdrawals within the cooperative BankCard ServiceNetz. Pricing follows a published Preis- und Leistungsverzeichnis, with account packages, cards, and transactions billed according to the selected model; rates and fees change over time and vary by customer segment. As a licensed credit institution, the bank is supervised by BaFin and the Deutsche Bundesbank and applies German/EU prudential rules. Deposits are protected under the institutional protection scheme of the BVR and the statutory BVR Institutssicherung GmbH up to 100,000 EUR per depositor per bank, subject to legal conditions. Membership via cooperative shares is available to customers, offering participation rights and a variable, non-guaranteed dividend.