Interest Rate and Fee Schedules

This dataset provides comprehensive pricing schedules for financial products, including detailed interest rates, APY calculations, fee structures, tiered and promotional rates, and historical rate changes for both deposits and loans. It enables financial institutions, analysts, and regulators to track, compare, and audit product pricing and changes over time for compliance and strategic decision-making.

  • last updated 29 Oct 2025
  • by GoMask
The brief that made it

Regulatory compliance and audit of financial product pricing

Sample rows

preview · 8 of 301 rows · all 19 columns
product_idstringproduct_typestringinterest_ratefloatfee_typestringproduct_namestringtier_min_balancefloattier_max_balancefloatapyfloatfee_amountfloatfee_frequencystringpromotional_ratefloatpromotion_start_datedatepromotion_end_datedaterate_effective_datedaterate_expiry_datedaterate_change_reasonstringrate_history_idstringis_activebooleancurrencystring
D-SAV-001-USDdeposit0.75monthly_maintenancePremier Savings Account USD0100000.768.5monthly1.252024-03-012024-06-012024-02-15blankSeasonal campaign adjustmentRH-001-AtrueUSD
L-MTG-002-USDloan4.75originationHome Mortgage Loan USD5000350000blank950one-timeblankblankblank2024-01-20blankMarket rate updateRH-002-BtrueUSD
C-CRD-003-USDcredit_card17.99annualPlatinum Credit Card USD0blank18.05120annual0blankblank2024-02-01blankNew product launchRH-003-CtrueUSD
D-CHK-004-EURdeposit0.15blankEuro Checking Account750008000000.16blankblank2.52024-03-102024-05-102024-02-20blankEuropean market updateRH-004-DtrueEUR
L-AUT-005-EURloan7.25prepaymentAuto Loan EUR100035000blank360one-time1.152024-04-012024-07-012024-03-05blankRegulatory updateRH-005-EtrueEUR
D-SAV-006-GBPdeposit0.22monthly_maintenancePremier Savings GBP12000025000000.232.5monthlyblankblankblank2024-01-28blankCurrency adjustmentRH-006-FtrueGBP
O-BND-007-USDother3.25otherCorporate Bond Fund USD25001500003.2890annualblankblankblank2024-03-15blankBond market adjustmentRH-007-GtrueUSD
C-CRD-008-USDcredit_card22.59late_paymentCashback Credit Card USD0blank22.6539per_transaction102024-04-052024-08-052024-03-20blankFee structure updateRH-008-HtrueUSD

What the 301 rows show

from the 301-row sample

Credit_card (product type) stands out: mean interest_rate is 24.6, against 3.8 for the rest.

  • 5.1median interest_rate
  • 4fee frequencies
  • 4currencies
  • 950median tier_min_balance
  • 325,000median tier_max_balance
  • 2.8median apy
Mean interest_rate by product_type301 rows
0501000.49deposit99 rows7.7loan74 rows24.6credit_c…61 rows4.5other67 rows
interest_rate301 rows, in bands of 10
011523022540285201000050100interest_rate →

Median 5.1, from 0.03 to 61.0.

fee_type262 rows with a value · 39 left blank
  1. other67
  2. monthly_maintenance60
  3. origination52
  4. annual40
  5. prepayment22
  6. late_payment21
19 columns by typefrom the column list below
  • string 8
  • float 6
  • date 4
  • boolean 1

Columns

19 columns in four groups
blueprint · 19 columns
columntypedescriptionexample
Text 8 columns
product_idstringUnique identifier for the financial product (e.g., savings account, loan type)uniqueD-SAV-001-USD
product_namestringName of the financial productHome Mortgage Loan USD
product_typestringType of product (e.g., deposit, loan, credit card)deposit · loan · credit_card · otherdeposit
fee_typestringType of fee charged (e.g., monthly maintenance, overdraft, origination)6 values · optionalmonthly_maintenance
fee_frequencystringFrequency at which the fee is charged (e.g., monthly, one-time, annual)monthly · one-time · annual · per_transaction · other · optionalmonthly
rate_change_reasonstringReason for the rate change (e.g., market adjustment, regulatory change)optionalMarket rate update
rate_history_idstringUnique identifier for the rate change history recordunique · optionalRH-001-A
currencystringCurrency code for the product pricing (e.g., USD, EUR)4 currenciesUSD
Numbers 6 columns
tier_min_balancefloatMinimum balance required for this rate tier0 or more · optional0
tier_max_balancefloatMaximum balance allowed for this rate tier0 or more · optional10000
interest_ratefloatAnnual interest rate for this product/tier (as a percentage, e.g., 2.5)0 to 1000.75
apyfloatAnnual Percentage Yield for this product/tier (as a percentage)0 to 100 · optional0.76
fee_amountfloatAmount of the fee charged0 or more · optional8.5
promotional_ratefloatPromotional interest rate offered for a limited period (percentage)0 to 100 · optional1.25
Dates and times 4 columns
promotion_start_datedateStart date for the promotional rate periodoptional2024-03-01
promotion_end_datedateEnd date for the promotional rate periodoptional2024-06-01
rate_effective_datedateDate when the current rate became effective2024-02-15
rate_expiry_datedateDate when the current rate expires (if applicable)optional2025-05-01
True or false 1 column
is_activebooleanIndicates if this rate/fee schedule is currently activetrue

Use it for

  • median interes…5.1301 rowsmean interest rate by…0.49depo…7.7loan24.6cred…4.5other

    A finance dashboard

    Interest_rate by product_type and a breakdown of fee_type. Excel, Power BI or Tableau.

  • Why do the 61 credit_card rows have a mean interest_rate of 24.6?

    A root-cause class exercise

    Hand out the rows and one question. The answer is in the data, not in the brief.

  • A software demo

    Believable products with product_name, product_type and tier_min_balance to fill a screen in front of a buyer.

Not quite right?

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This dataset301 rows19 columns
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blueprint · interest-rate-and-fee-schedules

Behind this dataset

Same schema. As many rows as you need.

These 301 rows came out of a blueprint — 19 columns with generation rules behind each one. Open it in Data Factory to retune a column, add your own, wire in foreign keys, and run it at the size you actually need.

Rules it was built with
  • Product type: checking, savings, CD, money market, loan
  • Interest rate tiers based on balance
  • Annual Percentage Yield (APY) disclosed
  • Fee schedule: monthly maintenance, overdraft, wire, ATM
  • Fee waivers with balance or relationship
  • Rate change notice period: 30 days
  • Truth in Savings Act compliance
  • Promotional rate expiration dates
Rows
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Exports
CSV, JSON, JSONL, Parquet, SQL, Excel, TSV, XML
Licence
yours to use, including commercially
API slug
interest-rate-and-fee-schedules

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