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

7 rows where product_id = "cler:kassenobligation" sorted by snapshot_date descending

✎ View and edit SQL

This data as json, CSV (advanced)

Suggested facets: 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
cler:kassenobligation:credit:2y Bank Cler Kassenobligation cler:kassenobligation Bank Cler AG cler credit 0.4   500000.0 24 CHF 2026-07-14 2026-07-14 Q2 0.20% -> Q3 0.40% (+20bp). Bis CHF 500k, grössere Beträge auf Anfrage.  
cler:kassenobligation:credit:3y Bank Cler Kassenobligation cler:kassenobligation Bank Cler AG cler credit 0.45   500000.0 36 CHF 2026-07-14 2026-07-14 Q2 0.30% -> Q3 0.45% (+15bp).  
cler:kassenobligation:credit:4y Bank Cler Kassenobligation cler:kassenobligation Bank Cler AG cler credit 0.5   500000.0 48 CHF 2026-07-14 2026-07-14 Q2 0.40% -> Q3 0.50% (+10bp).  
cler:kassenobligation:credit:5y Bank Cler Kassenobligation cler:kassenobligation Bank Cler AG cler credit 0.6   500000.0 60 CHF 2026-07-14 2026-07-14 Q2 0.40% -> Q3 0.60% (+20bp).  
cler:kassenobligation:credit:6y Bank Cler Kassenobligation cler:kassenobligation Bank Cler AG cler credit 0.625   500000.0 72 CHF 2026-07-14 2026-07-14 Q2 0.50% -> Q3 0.625% (+12.5bp).  
cler:kassenobligation:credit:7y Bank Cler Kassenobligation cler:kassenobligation Bank Cler AG cler credit 0.7   500000.0 84 CHF 2026-07-14 2026-07-14 Q2 0.50% -> Q3 0.70% (+20bp).  
cler:kassenobligation:credit:8y Bank Cler Kassenobligation cler:kassenobligation Bank Cler AG cler credit 0.8   500000.0 96 CHF 2026-07-14 2026-07-14 Q2 0.60% -> Q3 0.80% (+20bp).  

Advanced export

JSON shape: default, array, newline-delimited, object

CSV options: 

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);