id,product_id,feature_key,feature_value,note,source_page
ce_chermignon:compte_societaire:pf:mutual_patronage,ce_chermignon:compte_societaire,pricing_condition,Taux sociétaire 0.75% jusqu'à CHF 100k — patronage rate for cooperative members,"Distinctive mutual-bank feature: members get +0.45 pp over the standard 0.30% epargne rate (a 2.5x multiplier) on the first CHF 100k. Reflects CECM's full legal name ""Caisse d'Epargne et de Crédit Mutuel"" — the mutuel half is operationalised through this patronage tier. Common pattern in old village/parish Caisses d'Epargne; uncommon in modern Sparkassen which have substantially flattened the member/non-member differential.",