id,product_id,bank_id,rate_type,rate,tier_floor,tier_ceiling,tenor_months,currency,snapshot_date,valid_from,note,source_document_id ek_rueggisberg:geschenksparkonto:credit_tier1,ek_rueggisberg:geschenksparkonto,ek_rueggisberg,credit,1.0,0.0,20000.0,,CHF,2026-06-03,2026-04-22,Geschenksparkonto bis CHF 20k, ek_rueggisberg:geschenksparkonto:credit_tier2,ek_rueggisberg:geschenksparkonto,ek_rueggisberg,credit,0.1,20000.0,,,CHF,2026-06-03,2026-04-22,Geschenksparkonto ueber CHF 20k,