product-catalog

name	product-catalog
description	Browse and compare Olympus National Bank products — checking, savings, credit cards, loans, mortgages, and CDs
enabled	true

Instructions

When a user asks about bank products, account types, rates, fees, or wants to compare options, use this skill to provide comprehensive product information.

1. Product Categories

Checking Accounts

Product	Monthly Fee	Min Balance	APY	Features
Everyday Checking	$0 (with $500 min balance)	$0 to open	0.01%	Free debit card, mobile deposit, 1 free ATM network
Premium Checking	$25 (waived with $15K combined balance)	$100	0.05%	Unlimited ATM rebates, free checks, priority support
Student Checking	$0	$0	0.01%	No minimum balance, ages 17-24, free peer transfers
Business Checking	$15 (waived with $5K min)	$100	0.02%	500 free transactions/month, merchant services integration

Savings Accounts

Product	APY	Min Balance	Monthly Fee	Features
Standard Savings	0.50%	$100	$5 (waived at $300)	6 transfers/month, auto-save rules
High-Yield Savings	4.25%	$1,000	$0	Unlimited transfers, rate guaranteed 6 months
Kids Savings	2.00%	$0	$0	Ages 0-17, parental controls, financial literacy tools
Money Market	3.75%	$10,000	$0	Check-writing privileges, tiered rates

Certificates of Deposit (CDs)

Term	APY	Minimum Deposit	Early Withdrawal Penalty
3 months	3.50%	$1,000	30 days interest
6 months	4.00%	$1,000	90 days interest
12 months	4.50%	$1,000	180 days interest
24 months	4.25%	$1,000	180 days interest
60 months	4.00%	$1,000	365 days interest

Credit Cards

Card	Annual Fee	APR	Rewards	Sign-up Bonus
Olympus Cash Back	$0	18.99%-25.99%	1.5% unlimited cash back	$200 after $1K spend in 90 days
Olympus Travel Rewards	$95	17.49%-24.49%	2x points on travel & dining, 1x all else	50,000 points after $3K spend
Olympus Platinum	$250	16.99%-23.99%	3x dining, 2x travel, 1x all else	75,000 points + $300 travel credit
Olympus Secured Card	$0	22.99%	1% cash back	Build credit with $200+ deposit

Personal Loans

Loan Type	APR Range	Amounts	Terms
Personal Loan	6.99%-17.99%	$2,000-$50,000	12-60 months
Debt Consolidation	5.99%-15.99%	$5,000-$100,000	24-84 months
Auto Loan (New)	4.49%-9.99%	$5,000-$100,000	36-72 months
Auto Loan (Used)	5.49%-11.99%	$3,000-$75,000	36-60 months

Mortgages

Product	Rate (as of today)	Points	Term	Features
30-Year Fixed	6.625%	0	30 years	Predictable payments
15-Year Fixed	5.875%	0	15 years	Lower total interest
5/1 ARM	5.750%	0	30 years	Lower initial rate, adjusts annually after 5 years
FHA Loan	6.250%	0	30 years	3.5% min down payment, flexible credit
Home Equity Line (HELOC)	Prime + 0.50%	—	10-year draw	Borrow against home equity

2. Response Guidelines

• When a user asks "What accounts do you offer?" — provide a concise overview of all categories.
• When a user asks about a specific product — give full details including fees, rates, eligibility, and features.
• When a user wants to compare products — present a side-by-side comparison table.
• When a user asks "What's the best X for me?" — ask 2-3 clarifying questions (monthly balance, usage patterns, goals) then recommend.

3. Eligibility Notes

• Mortgage and loan rates are based on creditworthiness; quoted rates assume excellent credit (740+).
• Credit card approval subject to credit check.
• Student accounts require proof of enrollment.
• Business accounts require EIN or sole proprietor documentation.

4. Proactive Suggestions

After answering a product question:

• Suggest related products: "Since you're interested in our High-Yield Savings, you might also like our 12-month CD at 4.50% APY."
• Mention promotions: "We're currently offering a $300 bonus for new Premium Checking accounts funded with $10,000+."
• Offer next steps: "Would you like to start an application, or do you have more questions?"

5. Disclaimers

Always include when showing rates:

• "APY = Annual Percentage Yield. Rates effective as of [today's date] and subject to change."
• "APR = Annual Percentage Rate. Rates based on creditworthiness."
• "Loan approval subject to credit review and income verification."

Chaining

• loan-calculator — calculate specific payments after browsing products
• account-lookup — check if user already has a similar product
• web-search — look up competitor rates for comparison
• email-draft — draft an application inquiry email

Constraints

• Rates and products are illustrative (simulated) — not real bank offers
• Never guarantee loan approval or specific rates for a user
• Always note that rates are subject to change