Pillar 3a, mortgages, fixed-term deposits: Here are the best interest rates for the start of 2026
Just in time for the start of 2026, Nexano shows where you can currently find the best interest rates for your personal finances.
Pillar 3a
Finally start your personal pension plan in the new year? The maximum amount for employees with a pension fund for pillar 3a is CHF 7,258.00 in 2026. The sooner you pay in, the longer you can benefit from advantageous interest rates. If the conditions for your pillar 3a account deteriorate later, it’s not a problem. You can transfer your pillar 3a balance to another provider at any time.
According to our pillar 3a interest rate comparison, the following three providers currently offer the best interest rates:
| Pillar 3a provider | Pillar 3a interest rate |
|---|---|
| Bank CIC | 0.60% |
| Cornèr Bank | 0.60% |
| Tellco Bank | 0.60% |
Mortgages
Is a purchase of residential property coming up right at the beginning of 2026, or is the mortgage renewal due? With the free mortgage comparison on Nexano, you can compare the indicative interest rates of over 70 mortgage providers in Switzerland on a daily basis. Where is it particularly worthwhile to obtain an offer for financing at the moment?
According to our mortgage interest rate comparison, the following three mortgage providers offer the best conditions:
10-year fixed-rate mortgages
| Mortgage Provider | Mortgage Interest Rate |
|---|---|
| Pensionskasse Schaffhausen | 1.44% |
| PKE Vorsorgestiftung Energie | 1.51% |
| UBS Key4 | 1.52% |
SARON Mortgages
| Mortgage Provider | Mortgage interest (Saron margin) |
|---|---|
| Bernische Pensionskasse | 0.70% |
| Swissquote | 0.70% |
| Swiss Life | 0.80% |
Medium-Term Notes
Are you looking for advantageous conditions for fixed-term deposits? With our interest rate comparison on Nexano, you can access the conditions of dozens of providers on a daily basis. The usual terms between 2 and 10 years are available for comparison.
Here are the current top 3 for various terms at the beginning of the year for fixed-term deposits:
Fixed-term deposits 3-year
| Provider | Fixed-term deposit interest rate |
|---|---|
| Caisse d’Epargne Riviera | 0.90% |
| Caisse d’Epargne de Nyon | 0.75% |
| Bürgerliche Ersparniskasse Bern | 0.60% |
Fixed-term deposits 5-year
| Provider | Fixed-term deposit interest rate |
|---|---|
| Caisse d’Epargne Riviera | 1.00% |
| Saanen Bank | 0.90% |
| Spar und Leihkasse Frutigen | 0.85% |
Conclusion
In 2026, it will again be worth regularly comparing interest rates and conditions when selecting partners in the area of personal finances. The differences are sometimes significant, as our comparison on Nexano also shows. For example, if you want to subscribe to fixed-term deposits with a 5-year term, Caisse d’Epargne Riviera offers an interest rate of 1%. Competitor Postfinance offers just 0.1% for the identical term.
We at Nexano.ch wish all visitors to our portal a good start to 2026 and a healthy and successful new year.
