They dropped below 5% by now, which is quite astonishing historically (though I guess they still earn a hefty 3% on those).
Also I had a quick look into BCVs report: They actually still earn 0.3% per year on retail deposits, which is quite good in today’s environment.
And to add on the topic regarding Raiffeisen: They also offer a free account card, with which you can use their ATMs for free (no need to pay for a debit card, but doesn’t work for payments or other ATMs).