id,product_id,bank_id,rate_type,rate,tier_floor,tier_ceiling,tenor_months,currency,snapshot_date,valid_from,note,source_document_id
bernerland:geschenksparkonto:credit,bernerland:geschenksparkonto,bernerland,credit,0.25,0.0,10000.0,,CHF,2026-05-28,2026-02-01,"Geschenksparkonto: 0.25% bis CHF 10'000, 0% darueber.",