{
  "floor_apy_pct": 3.0,
  "fields": [
    {
      "name": "term_months",
      "description": "CD term in months"
    },
    {
      "name": "rank",
      "description": "Rank within the term by APY (ties share a rank), after dropping rates below the floor"
    },
    {
      "name": "institution",
      "description": "Institution name as marketed"
    },
    {
      "name": "kind",
      "description": "bank or credit_union"
    },
    {
      "name": "state",
      "description": "Headquarters state"
    },
    {
      "name": "apy_pct",
      "description": "Annual percentage yield posted by the institution, percent"
    },
    {
      "name": "min_deposit",
      "description": "Stated minimum opening deposit in dollars, blank if not stated"
    },
    {
      "name": "promotion",
      "description": "yes if the institution's own page marks it as a special, promotion or limited-time rate"
    },
    {
      "name": "product_note",
      "description": "Special product type if any (for example no-penalty or bump-up)"
    },
    {
      "name": "fdic_cert",
      "description": "FDIC certificate number for banks"
    },
    {
      "name": "ncua_charter",
      "description": "NCUA charter number for credit unions"
    },
    {
      "name": "remote_opening",
      "description": "yes if the institution's website offers an online application (who may use it not yet checked); states: XX, YY if online applications are limited to residents of those states; nationwide if any US resident may apply; local if limited to its market area; no if the institution says in person only; otherwise not stated"
    },
    {
      "name": "nonresident_eligible",
      "description": "What the institution's own pages say about customers who are not US residents"
    },
    {
      "name": "cu_membership_open_nationwide",
      "description": "For credit unions, whether anyone in the US can join (usually through a partner organization)"
    },
    {
      "name": "early_withdrawal_penalty",
      "description": "Early withdrawal penalty as stated, abridged"
    },
    {
      "name": "source_url",
      "description": "The institution's page where the rate was read"
    },
    {
      "name": "read_note",
      "description": "How the rate was read when it needed a person (for example a browser read or a homepage banner)"
    },
    {
      "name": "date_checked",
      "description": "Date the rate was read (YYYY-MM-DD)"
    }
  ]
}