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

10 rows where bank_id = "clientis_oberuzwil" sorted by snapshot_date descending

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Suggested facets: rate_type, 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
clientis_oberuzwil:baukredit:debit Baukredit clientis_oberuzwil:baukredit Clientis Bank Oberuzwil AG clientis_oberuzwil mortgage_rate         CHF 2026-05-31   on request — Baukredit-Zinsen werden per Anfrage festgelegt  
clientis_oberuzwil:mieterkaution:credit Mieterkautionssparkonto clientis_oberuzwil:mieterkaution Clientis Bank Oberuzwil AG clientis_oberuzwil credit         CHF 2026-05-31   on request — Mieterkautionssparkonto  
clientis_oberuzwil:geschenksparkonto:credit Geschenksparkonto clientis_oberuzwil:geschenksparkonto Clientis Bank Oberuzwil AG clientis_oberuzwil credit         CHF 2026-05-31   on request — Geschenksparkonto  
clientis_oberuzwil:sparkonto18:credit Sparkonto18 clientis_oberuzwil:sparkonto18 Clientis Bank Oberuzwil AG clientis_oberuzwil credit         CHF 2026-05-31   on request — Jugendsparkonto  
clientis_oberuzwil:aktionaer_plus:credit AktionaerPLUS clientis_oberuzwil:aktionaer_plus Clientis Bank Oberuzwil AG clientis_oberuzwil credit         CHF 2026-05-31   on request — Premium-Vorzugszins fuer Aktionaere  
clientis_oberuzwil:aktionaerskonto:credit Aktionaerskonto clientis_oberuzwil:aktionaerskonto Clientis Bank Oberuzwil AG clientis_oberuzwil credit         CHF 2026-05-31   on request — Vorzugszins fuer Aktionaere  
clientis_oberuzwil:saron_sparkonto:credit SARON-Sparkonto clientis_oberuzwil:saron_sparkonto Clientis Bank Oberuzwil AG clientis_oberuzwil credit         CHF 2026-05-31   on request — an SARON-Satz indexiert; aktueller SARON ~0.0% bis 0.5% per 2026  
clientis_oberuzwil:sparkonto_top:credit SparkontoTOP clientis_oberuzwil:sparkonto_top Clientis Bank Oberuzwil AG clientis_oberuzwil credit         CHF 2026-05-31   on request — SparkontoTOP, hoehere Verzinsung als Standard-Sparkonto  
clientis_oberuzwil:sparkonto:credit Sparkonto clientis_oberuzwil:sparkonto Clientis Bank Oberuzwil AG clientis_oberuzwil credit         CHF 2026-05-31   on request — Zinsblatt separat (oberuzwil.clientis.ch/aktuelle-zinssaetze)  
clientis_oberuzwil:kontokorrent:debit Kontokorrent clientis_oberuzwil:kontokorrent Clientis Bank Oberuzwil AG clientis_oberuzwil overdraft 9.0       CHF 2026-05-31 2025-01-01 Sollzins 9% p.a. auf KK (typisch fuer Geschaeftskonto-Soll).  

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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);