id,product_id,bank_id,rate_type,rate,tier_floor,tier_ceiling,tenor_months,currency,snapshot_date,valid_from,note,source_document_id
hbl:jugendsparkonto:credit:tier1,hbl:jugendsparkonto,hbl,credit,0.4,,20000.0,,CHF,2026-05-31,2026-04-01,Vorzugszins bis CHF 20000,
hbl:jugendsparkonto:credit:tier2,hbl:jugendsparkonto,hbl,credit,0.025,20000.0,,,CHF,2026-05-31,2026-04-01,,