St. Galler Kantonalbank
St. Galler Kantonalbank is the cantonal bank of the canton of St. Gallen and deeply rooted in residential mortgage lending in its home market. As an established institution with a dense regional network, it is one of the first ports of call for mortgages in the region.
- Strong regional roots
- Established cantonal bank
- Broad mortgage offering
Key facts
- Category
- Bank
- Models & terms
- SARON, Variable, Fixed 2–10 years
Rate history
Monthly interest-rate trend (Fixed 10 years), compiled from public market data.
Current terms
| Model & term | Guide rate |
|---|---|
| SARON | 1.20 % |
| Variable | 3.00 % |
| Fixed 2 years | 1.55 % |
| Fixed 3 years | 1.65 % |
| Fixed 4 years | 1.70 % |
| Fixed 5 years | 1.80 % |
| Fixed 6 years | 1.85 % |
| Fixed 7 years | 1.90 % |
| Fixed 8 years | 1.95 % |
| Fixed 9 years | 2.00 % |
| Fixed 10 years | 2.05 % |
Automatically collected guide rates — last synchronised on 19 August 2026. Some SARON rates are calculated from the published margin plus the current SARON level. Not an offer — only the provider's own terms apply.
Related guides
Mortgage comparison Switzerland: banks, insurers and pension funds
Why a systematic comparison pays off: banks, insurers and pension funds side by side – conditions, strengths, limits. Neutral and with sources.
Read moreSwitching your mortgage provider in Switzerland: what it really costs – and what makes it fail
Switching mortgage providers usually costs no more than a few hundred francs – no notary, no property transfer tax. The real hurdles lie elsewhere: missed notice periods, staggered tranches and the new bank's affordability calculation. The complete timeline, with a cost table.
Read moreIs St. Galler Kantonalbank the right fit for your project?
Start the comparison — we will show you how St. Galler Kantonalbank compares with all other providers for your property use and term.
Request an offer