If you live in the cantons of either Fribourg or Geneva, you can also deduct your 3b (though not as much as a 3a). 3bs give higher returns.

If you're independent (self-employed) you can deduct 30 odd thousand p.a.

For 3a's, some offer guaranteed rates, others don't.

You have to shop around!

If you actually re-read the Credit Suisse website, you'll see that you earn 7.5% AFTER 5 years which works out at 1.5% p.a. and NOT 7.5% p.a.!!!!

I work with Credit Suisse and a few people have asked me this as 7.5% for a 3a is huge! However, as always, you need to read the small print