id,product_id,bank_id,rate_type,rate,tier_floor,tier_ceiling,tenor_months,currency,snapshot_date,valid_from,note,source_document_id
shkb:sparkonto:credit:tier1,shkb:sparkonto,shkb,credit,0.05,,25000.0,,CHF,2026-04-08,2025-10-01,,
shkb:sparkonto:credit:tier2,shkb:sparkonto,shkb,credit,0.0,25000.0,,,CHF,2026-04-08,2025-10-01,,