id,product_id,bank_id,rate_type,rate,tier_floor,tier_ceiling,tenor_months,currency,snapshot_date,valid_from,note,source_document_id
sgkb:sparkonto:credit:tier1,sgkb:sparkonto,sgkb,credit,0.05,,50000.0,,CHF,2026-02-01,2026-02-01,,
sgkb:sparkonto:credit:tier2,sgkb:sparkonto,sgkb,credit,0.0,50000.0,,,CHF,2026-02-01,2026-02-01,,