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My savings plan. Simply Cembra.

Whether you are saving for a holiday, a car or another goal, we offer the ideal investment for you. We guarantee you attractive interest rates, a high degree of security and flexible terms.
Questions and answers about our savings products Watch the mySavings explanatory video

1st place in comparison

Cembra's medium-term notes once again take 1st place in the interest comparison by the independent comparison portal moneyland.ch (as of: January 2024).

Savings Accounts

Do you have a savings goal in mind or want to make provisions for the future? Then a Cembra Savings Account is the ideal investment for you. It is simple and transparent, with no hidden fees or complicated interest scales. Compare our Savings Accounts now and open your personal Savings Account directly online.

Flex Savings Account

Your flexible and clever investment – benefit from attractive interest rates and maximum flexibility.

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Savings Account

Your balanced investment and ideal solution for medium-term savings – benefit from preferential interest rates and a 3-month notice period.

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Savings Account Plus

Your high-interest investment and best choice for maximum returns – benefit from the highest interest rate with a 6-month notice period.

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Children's Savings Account

Lay the foundations today to help your children make smaller or larger plans a reality. We support you with a preferential interest rate.

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Medium-term notes

Highest interest rate advantage, long term Secure an attractive return with a fixed investment. With medium-term notes, you benefit from a guaranteed interest rate that is higher than that of a Savings Account. Medium-term notes last between 2 and 10 years; interest is paid annually to your Flex Savings Account. Find out more about the advantages and conditions of medium-term notes – you can easily take one out online.

We guarantee the interest rate.

Benefit from a fixed interest rate for the entire term of your medium-term notes. This means you know in advance how much income you will generate.

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As of: 28.03.2024
Term Interest rate
10 years 2.00%
9 years 1.80%
8 years 1.75%
7 years 1.70%
6 years 1.65%
5 years 1.60%
4 years 1.60%
3 years 1.60%
2 years 1.60%
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The information presented here contains sales promotion for financial products.


Easily and securely manage your savings products online. With mySavings, you can access your savings, account transactions and tax documents at all times and send orders directly to us.

Find out more To the explanatory video


Service contact for new saving account and medium-term notes customers as of 01.02.2024

E-Mail: cembra@hbl.ch
Telephone: 044 439 54 45

Information on opening a Savings Account or a medium-term note:

Telephone: 044 439 54 00
Cembra savings products are offered in conjunction with Hypothekarbank Lenzburg.