CPCN
CPCN (Caisse de pensions de la fonction publique du canton de Neuchâtel) is the pension scheme of the Neuchâtel public sector and grants mortgages directly from its investment assets. Thanks to low distribution costs, pension funds are regularly among the cheapest providers — with correspondingly conservative lending criteria, usually for owner-occupied homes.
- Often very low interest rates
- Direct lending from investment assets
- Conservative, stable lending policy
Key facts
- Category
- Pension fund
- Models & terms
- Fixed 1–15 years
Rate history
Monthly interest-rate trend (Fixed 10 years), compiled from public market data.
Current terms
| Model & term | Guide rate |
|---|---|
| Fixed 1 year | 1.50 % |
| Fixed 2 years | 1.19 % |
| Fixed 3 years | 1.26 % |
| Fixed 4 years | 1.34 % |
| Fixed 5 years | 1.38 % |
| Fixed 6 years | 1.46 % |
| Fixed 7 years | 1.49 % |
| Fixed 8 years | 1.53 % |
| Fixed 9 years | 1.57 % |
| Fixed 10 years | 1.60 % |
| Fixed 11 years | 1.68 % |
| Fixed 12 years | 1.70 % |
| Fixed 13 years | 1.85 % |
| Fixed 14 years | 1.88 % |
| Fixed 15 years | 1.91 % |
Automatically collected guide rates — last synchronised on 19 August 2026. Not an offer — only the provider's own terms apply.
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Read moreIs CPCN the right fit for your project?
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