Hi

I am wondering how often the rates for a given bank change?

I am hesitating between opening an account:
By Postfinance (2.75%)
By Brienz Oberhasli (3%)

I suppose Postfinance would be more efficient (I think they are also have an unlimited state guarantee in case they go bankrupt) but Brienz Oberhasli offer a higher percentage.

Is the extra 0.25% worth it? Could the Postfinance interests possibly rise above those of Brienz Oberhasli in the near future (or not go down as much)?