id,product_id,bank_id,rate_type,rate,tier_floor,tier_ceiling,tenor_months,currency,snapshot_date,valid_from,note,source_document_id
avera:edelmetallkonto:credit,avera:edelmetallkonto,avera,credit,,,,,CHF,2026-05-31,2026-05-31,Metallkonto holds physical precious metals; not interest-bearing. Custody fee in fee table.,
avera:saron_hypothek:debit_indicative,avera:saron_hypothek,avera,mortgage_rate,,,,,CHF,2026-05-31,2026-05-31,SARON margin not in this snapshot.,
avera:festhypothek:debit_indicative,avera:festhypothek,avera,mortgage_rate,,,,,CHF,2026-05-31,2026-05-31,Mortgage Richtzinsen not in this snapshot; bank typically discloses via Hypothekenberatung (consistent with atom #261 cross-bank pattern).,
avera:kontokorrent:credit,avera:kontokorrent,avera,credit,,,,,CHF,2026-05-31,2026-05-31,Rate not in this snapshot.,
avera:privatkonto25:credit,avera:privatkonto25,avera,credit,,,,,CHF,2026-05-31,2026-05-31,Rate not in this snapshot.,
avera:privatkonto_fw:credit,avera:privatkonto_fw,avera,credit,,,,,CHF,2026-05-31,2026-05-31,FX rates per currency on request.,
avera:privatkonto_eur:credit,avera:privatkonto_eur,avera,credit,,,,,EUR,2026-05-31,2026-05-31,Rate not in this snapshot.,
avera:privatkonto:credit,avera:privatkonto,avera,credit,,,,,CHF,2026-05-31,2026-05-31,Rate not in this snapshot.,
avera:mieterkaution:credit,avera:mieterkaution,avera,credit,,,,,CHF,2026-05-31,2026-05-31,Rate not in this snapshot.,
avera:freizuegigkeitskonto:credit,avera:freizuegigkeitskonto,avera,credit,,,,,CHF,2026-05-31,2026-05-31,Rate not in this snapshot.,
avera:vorsorgekonto_3a:credit,avera:vorsorgekonto_3a,avera,credit,,,,,CHF,2026-05-31,2026-05-31,Rate not in this snapshot.,
avera:sparkonto18:credit,avera:sparkonto18,avera,credit,,,,,CHF,2026-05-31,2026-05-31,Rate not in this snapshot.,
avera:geschenksparkonto:credit,avera:geschenksparkonto,avera,credit,,,,,CHF,2026-05-31,2026-05-31,Rate not in this snapshot.,
avera:sparkonto_top:credit,avera:sparkonto_top,avera,credit,,,,,CHF,2026-05-31,2026-05-31,Rate not in this snapshot.,
avera:sparkonto_plus:credit,avera:sparkonto_plus,avera,credit,,,,,CHF,2026-05-31,2026-05-31,Rate not in this snapshot.,
avera:sparkonto:credit,avera:sparkonto,avera,credit,,,,,CHF,2026-05-31,2026-05-31,Rate not in this snapshot. Bank Avera publishes rates per product page (not consolidated). Public rate URL not found at /de/zinsen.,