Interest rates

One row per interest rate. rate_type matches product category per atom #316 (mortgage_rate, consumer_credit, overdraft, credit, savings_rate, leasing_rate, penalty). snapshot_date is when we observed the rate; valid_from is when the bank declared it effective.

Data license: CC-BY-4.0 · Data source: bankproducts.info

19 rows where bank_id = "abs" sorted by snapshot_date descending

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Suggested facets: product_id, rate_type, rate, tier_floor, valid_from, snapshot_date (date), valid_from (date)

id product_id bank_id rate_type rate tier_floor tier_ceiling tenor_months currency snapshot_date ▲ valid_from note source_document_id
abs:kassenobligation:credit_10y ABS Kassenobligation abs:kassenobligation Alternative Bank Schweiz AG abs credit 1.1       CHF 2026-05-27 2024-07-01 Laufzeit 10 Jahre: 1.100% (Hoechster Tier). 6-10y staffel: 0.90/0.95/1.00/1.05/1.10%.  
abs:kassenobligation:credit_5y ABS Kassenobligation abs:kassenobligation Alternative Bank Schweiz AG abs credit 0.85       CHF 2026-05-27 2024-07-01 Laufzeit 5 Jahre: 0.850%.  
abs:kassenobligation:credit_2y ABS Kassenobligation abs:kassenobligation Alternative Bank Schweiz AG abs credit 0.8       CHF 2026-05-27 2024-07-01 Laufzeit 2-4 Jahre: 0.800%.  
abs:saron_hypothek:debit ABS SARON-Hypothek abs:saron_hypothek Alternative Bank Schweiz AG abs mortgage_rate         CHF 2026-05-27 2024-07-01 SARON-Compound + ABS-Marge. Marktabhaengig, auf Anfrage. ABS-Hypothek nur fuer Objekte mit oeko-/sozialer Ausrichtung gemaess ABS-Kriterien.  
abs:abs_2_freizuegigkeit:credit ABS 2 Freizuegigkeitskonto abs:abs_2_freizuegigkeit Alternative Bank Schweiz AG abs credit 0.0       CHF 2026-05-27 2024-07-01 ABS 2 Freizuegigkeitskonto. Aktuell 0% Verzinsung.  
abs:abs_3_vorsorge:credit ABS 3 Vorsorgekonto abs:abs_3_vorsorge Alternative Bank Schweiz AG abs credit 0.2       CHF 2026-05-27 2026-04-01 ABS 3 Vorsorgekonto. Gesenkt von 0.300% am 01.04.2026.  
abs:mietkautionssparkonto:credit ABS Mietkautionssparkonto abs:mietkautionssparkonto Alternative Bank Schweiz AG abs credit 0.0       CHF 2026-05-27 2024-07-01 Mietkautions-Sparkonto.  
abs:kinder_sparkonto:credit ABS Kinder-Sparkonto abs:kinder_sparkonto Alternative Bank Schweiz AG abs credit 0.5       CHF 2026-05-27 2024-07-01 Kinder-Sparkonto (bis 18 Jahre). Hoechster Saving-Rate-Tier.  
abs:anlagekonto:credit_tier2 ABS Anlagekonto abs:anlagekonto Alternative Bank Schweiz AG abs credit 0.05 50000.0     CHF 2026-05-27 2026-04-01 Ueber CHF 50000.  
abs:anlagekonto:credit_tier1 ABS Anlagekonto abs:anlagekonto Alternative Bank Schweiz AG abs credit 0.1 0.0 50000.0   CHF 2026-05-27 2026-04-01 Bis CHF 50000. Nur fuer Anlagekundschaft.  
abs:sparkonto:credit_tier2 ABS Sparkonto abs:sparkonto Alternative Bank Schweiz AG abs credit 0.025 50000.0     CHF 2026-05-27 2026-04-01 Ueber CHF 50000. Gesenkt von 0.050%.  
abs:sparkonto:credit_tier1 ABS Sparkonto abs:sparkonto Alternative Bank Schweiz AG abs credit 0.05 0.0 50000.0   CHF 2026-05-27 2026-04-01 Bis CHF 50000. Gesenkt von 0.100% (vor 01.04.2026).  
abs:kontokorrent:credit ABS Kontokorrent abs:kontokorrent Alternative Bank Schweiz AG abs credit 0.0       CHF 2026-05-27 2024-07-01 Firmenkonto verzinst nicht.  
abs:einlagekonto:credit ABS Einlagekonto abs:einlagekonto Alternative Bank Schweiz AG abs credit 0.25       CHF 2026-05-27 2024-07-01 Vereine/gemeinnuetzige Institutionen.  
abs:jugend_alltagskonto:credit ABS Jugend-Alltagskonto abs:jugend_alltagskonto Alternative Bank Schweiz AG abs credit 0.25       CHF 2026-05-27 2024-07-01 14-18 Jahre.  
abs:ausbildungskonto:credit ABS Ausbildungskonto abs:ausbildungskonto Alternative Bank Schweiz AG abs credit 0.25       CHF 2026-05-27 2024-07-01 16-30 Jahre.  
abs:alltagskonto_plus:credit ABS Alltagskonto Plus abs:alltagskonto_plus Alternative Bank Schweiz AG abs credit 0.125       CHF 2026-05-27 2024-07-01 Alltagskonto Plus (Voraussetzung: 10 ABS-Aktien).  
abs:alltagskonto:overdraft ABS Alltagskonto abs:alltagskonto Alternative Bank Schweiz AG abs overdraft 10.0       CHF 2026-05-27 2024-07-01 Ueberzugszins (Sollzins) 10%, Jahresabschluss.  
abs:alltagskonto:credit ABS Alltagskonto abs:alltagskonto Alternative Bank Schweiz AG abs credit 0.0       CHF 2026-05-27 2024-07-01 Standard Alltagskonto verzinst nicht.  

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CREATE TABLE interest_rate (
    id                 TEXT PRIMARY KEY,       -- sgkb:sparkonto:credit:tier1
    product_id         TEXT NOT NULL REFERENCES product(id),
    bank_id            TEXT NOT NULL REFERENCES bank(id),  -- denormalized
    rate_type          TEXT NOT NULL,          -- credit (paid to customer), debit (charged to customer),
                                               -- bonus (conditional extra), discount (reduction on base),
                                               -- overdraft (penalty rate)
    rate               REAL,                   -- percentage value (0.050 = 0.050%); NULL = on request / not published
    tier_floor         REAL,                   -- balance threshold lower bound; NULL = from zero
    tier_ceiling       REAL,                   -- balance threshold upper bound; NULL = unlimited
    tenor_months       INTEGER,                -- term length in months (24 = 2yr); NULL = no fixed term
    currency           TEXT DEFAULT 'CHF',
    snapshot_date      TEXT NOT NULL,          -- date the rate was observed (YYYY-MM-DD)
    valid_from         TEXT,                   -- date the rate took effect (YYYY-MM-DD)
    note               TEXT,                   -- conditions, fine print
    source_document_id INTEGER REFERENCES source_document(id)
);
CREATE INDEX idx_interest_rate_product ON interest_rate(product_id);
CREATE INDEX idx_interest_rate_bank ON interest_rate(bank_id);
CREATE INDEX idx_interest_rate_snapshot ON interest_rate(bank_id, snapshot_date);
CREATE INDEX idx_interest_rate_type ON interest_rate(rate_type, bank_id);