BCJ Compte Epargne 3

Jura's cantonal bank pays 0.10% and charges CHF 25 to say goodbye. At least the exit is cheap.

BCJ Compte Epargne 3 ranks #84 among 93 3a savings accounts in Switzerland. Banque Cantonale du Jura (BCJ) is the cantonal bank of the youngest Swiss canton. At 0.10% with a CHF 25 closure fee, it's a modest 3a offering that primarily serves the French-speaking population of Canton Jura.

Is the Interest Rate Competitive?

0.10% is near the bottom of the market. BCJ's rate generates CHF 7.06 per year on a maximum annual contribution of CHF 7,056. That's negligible in the context of long-term retirement savings.

The CHF 25 closure fee is relatively modest compared to some competitors (LUKB charges CHF 75, NKB charges CHF 100), but it still represents over three years of interest on a small balance. It's a mild deterrent to switching rather than a punishing one.

What Actually Stands Out

BCJ is the only cantonal bank dedicated to the Canton of Jura, which gives it a unique community role. The canton's relatively small population means BCJ operates with a close-to-the-customer approach that larger cantonal banks can't match. Government backing from the Canton of Jura provides deposit safety.

Five withdrawal options and no management fee round out the basics. BCJ's services are primarily in French, reflecting the linguistic character of the canton. If you bank in French and live in Jura, BCJ is a natural fit.

What Most Reviews Miss

Canton Jura is one of Switzerland's smaller and less affluent cantons. The cantonal guarantee, while valid, is backed by a smaller fiscal base than guarantees from larger cantons like Zurich or Bern. In practice, esisuisse protection matters more for most savers.

BCJ's digital banking capabilities are adequate but not cutting-edge. The bank serves a regional population and invests accordingly. If you're expecting the polish of a Zurich or Geneva cantonal bank app, adjust your expectations.

The Bottom Line

BCJ's 3a account serves its community purpose but doesn't compete on rate or features. The CHF 25 closure fee is minor but still unwelcome at 0.10%. Jura residents who bank with BCJ can use it for convenience. Others should look at the full landscape via our Pillar 3a comparison tool.

Verdict: A community-focused cantonal bank 3a account. Fine for BCJ customers, but the rate doesn't attract anyone from outside Canton Jura.