product_feature: ce_chermignon:compte_societaire:pf:mutual_patronage
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| 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. |