id,product_id,feature_key,feature_value,note,source_page
ce_chermignon:compte_epargne:pf:atom_275_rates_only,ce_chermignon:compte_epargne,pricing_condition,Atom #275 sub-pattern: rates-only publisher (3rd sub-pattern variant),"CECM publishes the rate sheet but no fee schedule (no tarifs PDF in 2026-Q2 crawl; only rate adaptation letters, annual reports, privacy policy, HR postings). New sub-pattern within atom #275: distinct from (a) CEN/Bank Gantrisch full publisher and (b) CMV fees-in-PDF / rates-on-web. 3rd Romandie/Valais atom #275 instance overall (after CMV and CEN). Brand tagline ""Plus proche"" same localist family.",
ce_chermignon:compte_epargne:pf:rate_cut_2024_2025,ce_chermignon:compte_epargne,pricing_condition,Observable rate-cut cycle 2024-09-01 → 2025-02-01 (5 months),"Both rate sheets are in the crawl. Standard épargne 0.50% → 0.30% (−20 bp). Compte sociétaire tier-1 1.00% → 0.75% (−25 bp). Comptes jeunesse 1.25% → 1.00% (−25 bp). Garantie de loyer 0.50% → 0.25% (halved). Compte courant unchanged (0.05% → 0.05%). Compte salaire 0.10% → 0.05% (halved). Mirrors broader Swiss small-bank repricing in late 2024 / early 2025 following SNB rate cuts. CECM transmits cuts faster on the ""soft"" buckets (savings, youth, garantie) and slowest on the transactional courant.",