Q: What type of financial institution is Raiffeisen-Volksbank Tüßling-Unterneukirchen?

Raiffeisen-Volksbank Tüßling-Unterneukirchen is a registered cooperative (eingetragene Genossenschaft or eG) operating as a universal bank under German law. Cooperative banks in Germany combine elements of both Volksbanken (people's banks traditionally serving urban populations and craftspeople) and Raiffeisenbanken (focused on rural and agricultural communities), reflecting the historical merger of these two cooperative banking traditions. The bank is registered with the Amtsgericht Traunstein under cooperative register number GnR 45 and is supervised by the German Federal Financial Supervisory Authority (BaFin). It is a member of the Bundesverband der Deutschen Volksbanken und Raiffeisenbanken (BVR) and participates in the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken, cooperating with DZ Bank as its central institution and benefiting from the cooperative financial network's comprehensive services and protection mechanisms.

Question 1

What is Raiffeisen-Volksbank Tüßling-Unterneukirchen?

Accepted Answer

Raiffeisen-Volksbank Tüßling-Unterneukirchen is a cooperative bank (eingetragene Genossenschaft) based in Tüßling, Bavaria, Germany. Operating under the full legal name Raiffeisen-Volksbank Tüßling-Unterneukirchen eG, it is part of the German Cooperative Financial Group and serves retail customers, businesses, and local enterprises in the western part of Landkreis Altötting. With approximately €236 million in total assets as of 2023, the bank ranks as the 1046th largest bank in Germany and the 573rd largest cooperative bank.

The institution focuses on universal banking services with approximately 3,009 members and 39 employees serving the local communities.

Question 2

When was Raiffeisen-Volksbank Tüßling-Unterneukirchen founded?

Accepted Answer

The bank traces its founding to June 24, 1894, when the original cooperative was established in Tüßling. The current institution emerged in 1999 through the merger of Raiffeisen-Volksbank Tüßling eG with Raiffeisenbank Unterneukirchen eG.

The Tüßling cooperative itself resulted from an earlier 1970 merger between Raiffeisenkasse Unterburgkirchen eGmbH and Volksbank Tüßling eGmbH, consolidating local cooperative banking resources. These foundations follow the cooperative principles established by Friedrich Wilhelm Raiffeisen and Hermann Schulze-Delitzsch in 19th-century Germany.

Question 3

Where is Raiffeisen-Volksbank Tüßling-Unterneukirchen headquartered?

Accepted Answer

The bank is headquartered in Tüßling, Bavaria, Germany, at Marktplatz 23-24, 84577 Tüßling. This location serves as both the main administrative office and primary branch for customer services.

Question 4

Where does Raiffeisen-Volksbank Tüßling-Unterneukirchen operate?

Accepted Answer

Raiffeisen-Volksbank Tüßling-Unterneukirchen operates in the western part of Landkreis Altötting in Upper Bavaria. The bank maintains two main locations:

Hauptstelle Tüßling (Headquarters): The main branch at Marktplatz 23-24, providing full banking services including cash services, ATMs, safety deposit boxes, and personal advisory services.

Geschäftsstelle Unterneukirchen (Branch Office): A full-service branch office serving the Unterneukirchen community with comprehensive banking facilities.

Both locations are equipped with modern banking infrastructure including ATMs, coin and banknote deposit machines, statement printers, and barrier-free access for all customers.

Question 5

What services does Raiffeisen-Volksbank Tüßling-Unterneukirchen offer?

Accepted Answer

The bank provides comprehensive universal banking services:

Personal Banking: Current accounts, debit cards, credit cards, savings accounts, time deposit accounts, pension plans, consumer loans, car loans, mortgage loans, and investment advisory services.

Business Banking: Business accounts, commercial lending, cash management services, and specialized financial solutions for SMEs and agricultural enterprises in the region.

Digital Services: Online banking platforms, mobile applications (VR Banking App), and call center services for convenient 24/7 banking access. Six ATMs are strategically located across the service area for customer convenience.

Insurance and Investments: Through partnerships with R+V Versicherung, Bausparkasse Schwäbisch Hall, Union Investment, VR Leasing, DZ Hyp, and TeamBank within the cooperative financial group, the bank offers comprehensive insurance products, building savings plans, investment funds, leasing services, and real estate financing.

Question 6

What makes Raiffeisen-Volksbank Tüßling-Unterneukirchen unique?

Accepted Answer

As a cooperative bank, Raiffeisen-Volksbank Tüßling-Unterneukirchen is owned by its 3,009 members who exercise democratic control through the general assembly. This structure ensures that banking decisions prioritize member welfare and regional economic development over external shareholder profits.

The bank demonstrates strong community commitment, having distributed €27,000 in donations during 2024 to support local projects, sports clubs, cultural initiatives, and social organizations. This reflects the cooperative principle of giving back to the communities it serves.

With a balance sheet totaling €242 million, the institution maintains a solid financial position while focusing on sustainable growth. The bank holds a Fitch credit rating of AA- (very high credit quality), indicating strong financial stability and creditworthiness.

Deposits are protected through the BVR Institutssicherung GmbH, Germany's cooperative banking institutional protection scheme, which provides comprehensive security beyond the statutory €100,000 per depositor guarantee. The bank has received positive customer reviews, with 86% of reviewers recommending it and 68% describing it as regionally engaged.

Question 7

What type of financial institution is Raiffeisen-Volksbank Tüßling-Unterneukirchen?

Accepted Answer

Raiffeisen-Volksbank Tüßling-Unterneukirchen is a cooperative bank (eingetragene Genossenschaft) based in Tüßling, Bavaria, Germany. Operating under the full legal name Raiffeisen-Volksbank Tüßling-Unterneukirchen eG, it is part of the German Cooperative Financial Group and serves retail customers, businesses, and local enterprises in the western part of Landkreis Altötting. With approximately €236 million in total assets as of 2023, the bank ranks as the 1046th largest bank in Germany and the 573rd largest cooperative bank.

The institution focuses on universal banking services with approximately 3,009 members and 39 employees serving the local communities.

The bank is registered with the Amtsgericht Traunstein under cooperative register number GnR 45 and is supervised by the German Federal Financial Supervisory Authority (BaFin). It is a member of the Bundesverband der Deutschen Volksbanken und Raiffeisenbanken (BVR) and participates in the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken, cooperating with DZ Bank as its central institution and benefiting from the cooperative financial network's comprehensive services and protection mechanisms.

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