[
  {
    "id": "checking-asterisk-free",
    "product": "Asterisk-Free Checking",
    "category": "checking",
    "apy": "N/A (non-interest)",
    "apr": null,
    "monthlyFee": "$0",
    "minimumDeposit": "$0 to open",
    "notes": "No monthly maintenance fee and no balance requirements.",
    "source": "https://www.huntington.com/Personal/checking",
    "verified": true,
    "effectiveDate": "2026-10 (public product page)",
    "lastVerified": "2026-10-23",
    "status": "published"
  },
  {
    "id": "checking-perks",
    "product": "Perks Checking",
    "category": "checking",
    "apy": "Interest-earning option available — APY varies; ask for rate sheet",
    "apr": null,
    "monthlyFee": "$0 with $1,000 monthly deposits or $5,000 across Huntington accounts; otherwise $10",
    "minimumDeposit": "$0 to open",
    "notes": "Relationship rates with eligible savings/MMA. Monitoring services included.",
    "source": "https://www.huntington.com/Personal/checking",
    "verified": true,
    "effectiveDate": "2026-10 (public product page)",
    "lastVerified": "2026-10-23",
    "status": "published"
  },
  {
    "id": "checking-platinum-perks",
    "product": "Platinum Perks Checking",
    "category": "checking",
    "apy": "Interest-earning — APY varies; ask for rate sheet",
    "apr": null,
    "monthlyFee": "$0 with $25,000 total relationship balances; otherwise $25",
    "minimumDeposit": "$0 to open",
    "notes": "Unlimited non-Huntington ATM fee waivers; relationship discounts on HELOC, mortgage, investments.",
    "source": "https://www.huntington.com/Personal/checking",
    "verified": true,
    "effectiveDate": "2026-10 (public product page)",
    "lastVerified": "2026-10-23",
    "status": "published"
  },
  {
    "id": "checking-smartinvest",
    "product": "SmartInvest Checking",
    "category": "checking",
    "apy": "Interest-earning — APY varies; ask for rate sheet",
    "apr": null,
    "monthlyFee": "$0 with $100,000 Total Relationship Balances and a Managed Investment account",
    "minimumDeposit": "$0 to open",
    "notes": "Designed for Managed Investment relationship customers.",
    "source": "https://www.huntington.com/Personal/checking",
    "verified": true,
    "effectiveDate": "2026-10 (public product page)",
    "lastVerified": "2026-10-23",
    "status": "published"
  },
  {
    "id": "savings-relationship",
    "product": "Relationship Savings",
    "category": "savings",
    "apy": "Varies by ZIP, balance, and linked Perks/Platinum Perks Checking — see rate sheet",
    "apr": null,
    "monthlyFee": "$10; waived with $2,500 average daily balance or personal Huntington checking",
    "minimumDeposit": "$100",
    "notes": "Higher rate with eligible checking; better rate with $5,000 average daily balance. Interest compounded quarterly.",
    "source": "https://www.huntington.com/Personal/savings-cds-overview/relationship-savings-account",
    "verified": true,
    "effectiveDate": "2026-10 (public product page)",
    "lastVerified": "2026-10-23",
    "status": "published"
  },
  {
    "id": "mm-relationship",
    "product": "Relationship Money Market",
    "category": "money-market",
    "apy": "Varies by ZIP/balance/relationship — interest begins at $25,000 balance",
    "apr": null,
    "monthlyFee": "$25; waived with $25,000 average daily balance or Perks/Platinum Perks Checking",
    "minimumDeposit": "See banker",
    "notes": "Relationship rates with eligible checking.",
    "source": "https://www.huntington.com/Personal/savings-cds-overview/relationship-money-market-account",
    "verified": true,
    "effectiveDate": "2026-10 (public product page)",
    "lastVerified": "2026-10-23",
    "status": "published"
  },
  {
    "id": "cd-standard",
    "product": "Certificates of Deposit",
    "category": "certificates",
    "apy": "Fixed rate set at opening — terms 1 month to 6 years; see branch rate sheet",
    "apr": null,
    "monthlyFee": "$0",
    "minimumDeposit": "$1,000",
    "notes": "Opened in branch. Early withdrawal: typically 90 days interest (<12 mo) or 180 days interest (≥12 mo).",
    "source": "https://www.huntington.com/Personal/savings-cds-overview/certificates-of-deposit",
    "verified": true,
    "effectiveDate": "2026-10 (public product page)",
    "lastVerified": "2026-10-23",
    "status": "published"
  },
  {
    "id": "cc-cashback",
    "product": "Huntington Cashback Credit Card",
    "category": "credit-card",
    "apy": null,
    "apr": "15.74%–27.74% variable (purchases & BT); cash advances 27.74% variable",
    "monthlyFee": "Annual fee $0",
    "minimumDeposit": null,
    "notes": "1.5% unlimited cash back. 0% intro BT APR for 12 months on transfers in first 90 days (then standard APR). BT fee greater of $10 or 3%.",
    "source": "https://www.huntington.com/Personal/credit-card",
    "verified": true,
    "effectiveDate": "2026-10 (public product page)",
    "lastVerified": "2026-10-23",
    "status": "published"
  },
  {
    "id": "cc-voice-rewards",
    "product": "Huntington Voice Rewards Credit Card",
    "category": "credit-card",
    "apy": null,
    "apr": "15.74%–27.74% variable (purchases & BT); cash advances 27.74% variable",
    "monthlyFee": "Annual fee $0",
    "minimumDeposit": null,
    "notes": "3x rewards up to $2,000 quarterly in chosen category; 1x thereafter. 0% intro BT APR 12 months.",
    "source": "https://www.huntington.com/Personal/credit-card",
    "verified": true,
    "effectiveDate": "2026-10 (public product page)",
    "lastVerified": "2026-10-23",
    "status": "published"
  },
  {
    "id": "cc-voice",
    "product": "Huntington Voice Credit Card",
    "category": "credit-card",
    "apy": null,
    "apr": "13.74%–25.74% variable (purchases & BT); cash advances 27.74% variable",
    "monthlyFee": "Annual fee $0",
    "minimumDeposit": null,
    "notes": "Lower-rate card. 0% intro BT APR 12 months.",
    "source": "https://www.huntington.com/Personal/credit-card",
    "verified": true,
    "effectiveDate": "2026-10 (public product page)",
    "lastVerified": "2026-10-23",
    "status": "published"
  },
  {
    "id": "cc-secured",
    "product": "Huntington Secured Credit Card",
    "category": "credit-card",
    "apy": null,
    "apr": "26.74% variable (purchases); cash advances 27.74% variable",
    "monthlyFee": "Annual fee $0",
    "minimumDeposit": null,
    "notes": "1% unlimited cash back. Build/rebuild credit.",
    "source": "https://www.huntington.com/Personal/credit-card",
    "verified": true,
    "effectiveDate": "2026-10 (public product page)",
    "lastVerified": "2026-10-23",
    "status": "published"
  },
  {
    "id": "mortgage-fixed",
    "product": "Fixed-Rate Mortgage",
    "category": "mortgage",
    "apy": null,
    "apr": "Live examples on Huntington mortgage rates page (assumptions: $225k, ≥20% down, credit ≥780, Franklin County, 30-day lock)",
    "monthlyFee": null,
    "minimumDeposit": null,
    "notes": "Rates change without notice. Call (800) 562-6871. Subject to credit approval.",
    "source": "https://www.huntington.com/Personal/Lending-comparison/mortgage-loan-comparison/fixed-rate-loan/fixed-rate-mortgage-rates",
    "verified": true,
    "effectiveDate": "See live rate tool",
    "lastVerified": "2026-10-23",
    "status": "published"
  },
  {
    "id": "auto-loan",
    "product": "Auto Loans",
    "category": "auto",
    "apy": null,
    "apr": "Quoted at application — varies by credit, term, vehicle",
    "monthlyFee": null,
    "minimumDeposit": null,
    "notes": "New, used, refinance, private party. Subject to credit approval.",
    "source": "https://www.huntington.com/Personal/auto-loans-overview",
    "verified": true,
    "effectiveDate": "Quoted per application",
    "lastVerified": "2026-10-23",
    "status": "published"
  },
  {
    "id": "personal-loan",
    "product": "Personal Loans",
    "category": "personal-loan",
    "apy": null,
    "apr": "Quoted at application — subject to credit approval",
    "monthlyFee": null,
    "minimumDeposit": null,
    "notes": "Not a guarantee of approval.",
    "source": "https://www.huntington.com/Personal/specialty-mortgages/personal-loans",
    "verified": true,
    "effectiveDate": "Quoted per application",
    "lastVerified": "2026-10-23",
    "status": "published"
  },
  {
    "id": "heloc",
    "product": "Home Equity Line of Credit",
    "category": "heloc",
    "apy": null,
    "apr": "Typically variable — relationship discounts may apply with Platinum Perks / SmartInvest",
    "monthlyFee": null,
    "minimumDeposit": null,
    "notes": "Home secures the line. Confirm current APR with a banker.",
    "source": "https://www.huntington.com/Personal/checking",
    "verified": true,
    "effectiveDate": "Quoted per application",
    "lastVerified": "2026-10-23",
    "status": "published"
  }
]