id,product_id,bank_id,rate_type,rate,tier_floor,tier_ceiling,tenor_months,currency,snapshot_date,valid_from,note,source_document_id
hbl:privatkonto:credit,hbl:privatkonto,hbl,credit,0.0,,,,CHF,2026-05-31,2026-04-01,Zinssaetze Bezahlen Sparen Vorsorgen,
hbl:privatkonto:overdraft,hbl:privatkonto,hbl,overdraft,12.0,,,,CHF,2026-05-31,2026-04-01,Allgemeiner Sollzins fuer alle CHF-Konten (ausser Kontokorrent); plus 0.25% Kreditkommission pro Quartal,