id,product_id,bank_id,rate_type,rate,tier_floor,tier_ceiling,tenor_months,currency,snapshot_date,valid_from,note,source_document_id
hbl:sparkonto_extra:credit:tier1,hbl:sparkonto_extra,hbl,credit,0.25,,100000.0,,CHF,2026-05-31,2026-04-01,Vorzugszins bis CHF 100000,
hbl:sparkonto_extra:credit:tier2,hbl:sparkonto_extra,hbl,credit,0.025,100000.0,,,CHF,2026-05-31,2026-04-01,,