{ "brand": "Central Murray Bank", "brand_label": "Central Murray Bank", "brand_slug": "central-murray-bank", "legal_entity_abn": "69087651812", "public_base_uri": "https://secure.centralmurray.bank/openbanking", "logo_uri": "https://www.centralmurray.bank/images/header.png", "status": "ok", "stale": false, "bank_last_updated": "2026-07-31T04:40:29Z", "at_a_glance": { "note": "This bank's best savings rate per customer segment (personal, smsf, business) and rate kind (ongoing: the conditional rate, bonus conditions met; intro: in the introductory period; base: the base rate, no conditions met), one line each: the highest of the bank's own entries in the best/{segment}/{kind}/{balance}.json slices (age-limited, pensioner, occupation-limited, organisation-only and adviser-platform accounts left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. reference_balances are the slice balances where it is the bank's entry; the rate is at the first of them. conditions is a key into condition_sets. unranked counts the products no slice ranks, by reason. Every product and rate row follows in products and rows.", "rates": [ {"segment":"personal","kind":"ongoing","rate_pct":0.55,"base_rate_pct":0.55,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Christmas Club Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"annually","conditions":"k1","restrictions":["christmas_club"],"record_stale":true}, {"segment":"personal","kind":"intro","rate_pct":0.55,"base_rate_pct":0.55,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Christmas Club Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"annually","conditions":"k1","restrictions":["christmas_club"],"record_stale":true}, {"segment":"personal","kind":"base","rate_pct":0.55,"base_rate_pct":0.55,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Christmas Club Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"annually","conditions":"k1","restrictions":["christmas_club"],"record_stale":true}, {"segment":"business","kind":"ongoing","rate_pct":0.12,"base_rate_pct":0.12,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Premium Business","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"quarterly","conditions":"k2","restrictions":[],"record_stale":true}, {"segment":"business","kind":"intro","rate_pct":0.12,"base_rate_pct":0.12,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Premium Business","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"quarterly","conditions":"k2","restrictions":[],"record_stale":true}, {"segment":"business","kind":"base","rate_pct":0.12,"base_rate_pct":0.12,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Premium Business","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"quarterly","conditions":"k2","restrictions":[],"record_stale":true} ], "condition_sets": { "k1": [ "not updated by the bank since 2026-07-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "a Christmas club account: withdrawals are restricted for most of the year", "funds can be taken out only from 15 November to 15 February; earlier access needs a written request", "interest is paid once a year on 30 November", "must become a member and own a share in the bank to hold an account" ], "k2": [ "not updated by the bank since 2026-07-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "$5 monthly access fee (free on sub accounts)", "must be a registered ABN holder; not-for-profit community groups are excluded", "must become a member and own a share in the bank to hold an account" ] }, "unranked": { "products": 6, "transaction_account": 4, "other_product": 1, "offset_account": 1 } }, "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), transaction and savings accounts category", "licence_note": "Rates are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates change without notice; bonus interest is paid only in the months the account's conditions are met; check the bank's page before acting. This is not financial advice.", "products": [ { "product_id": "S1_Std", "product_name": "AT CALL SAVINGS", "product_label": "At Call Savings – Std", "product_slug": "at-call-savings-std", "page": "/au/finance/savings-accounts/accounts/central-murray-bank/at-call-savings-std/", "product_url": "https://www.centralmurray.bank/personal-banking/savings-accounts/at-call-savings/", "rate_correction": null, "interest_paid_correction": { "quote": "A tiered interest rate applies, calculated on the minimum monthly balance and is credited to the account on the 30th June each year or when the account is closed.", "url": "https://www.centralmurray.bank/download.php?library=document&type=pdf&file=112", "checked": "2026-11-01", "citation": { "quote": "A tiered interest rate applies, calculated on the minimum monthly balance and is credited to the account on the 30th June each year or when the account is closed.", "url": "https://www.centralmurray.bank/download.php?library=document&type=pdf&file=112#page=12", "page": 12, "document_sha256": "dd47f1e90cdc0dabf0320a789ed6505bd8e4f5a4c06cfe22b0ad9abc4b06bc73", "confirmed": "2026-11-13" } }, "min_balance_correction": null, "terms_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "fees_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "eligibility_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "AT CALL SAVINGS", "bonus_is_total": null, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 0.01, "intro_pct": null, "base_pct": 0.01 }, "50000": { "ongoing_pct": 0.01, "intro_pct": null, "base_pct": 0.01 }, "250000": { "ongoing_pct": 0.04, "intro_pct": null, "base_pct": 0.04 } }, "rankings": [], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": false, "app": false, "notifications": false, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [] }, "feature_tags": [ "Osko", "PayID" ], "interest_paid": "annually", "interest_calculated": null, "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2026-07-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "must become a member and own a share in the bank to hold an account" ], "eligibility": [], "record_stale": true, "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/S1_Std", "source_snapshot": "/au/finance/savings-accounts/v1/source/central-murray-bank/S1_Std.json", "snapshot_at": "2026-10-22T13:24:39Z", "bank_last_updated": "2026-07-31T14:39:27.000+10:00", "ranked": true, "unranked_reason": null, "row_count": 2, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.centralmurray.bank/personal-banking/savings-accounts/at-call-savings/", "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "https://www.centralmurray.bank/download.php?library=document&type=pdf&file=112", "https://www.centralmurray.bank/download.php?library=document&type=pdf&file=2", "https://www.centralmurray.bank/download.php?library=document&type=pdf&file=1" ] } }, { "product_id": "S4_Std", "product_name": "AT CALL SAVINGS", "product_label": "At Call Savings – Std", "product_slug": "at-call-savings-std-2", "page": "/au/finance/savings-accounts/accounts/central-murray-bank/at-call-savings-std-2/", "product_url": "https://www.centralmurray.bank/personal-banking/transactional-accounts/budget-account/", "rate_correction": null, "interest_paid_correction": { "quote": "A tiered interest rate applies, calculated on the minimum monthly balance and is credited to the account on the 30th June each year or when the account is closed.", "url": "https://www.centralmurray.bank/download.php?library=document&type=pdf&file=112", "checked": "2026-11-01", "citation": { "quote": "A tiered interest rate applies, calculated on the minimum monthly balance and is credited to the account on the 30th June each year or when the account is closed.", "url": "https://www.centralmurray.bank/download.php?library=document&type=pdf&file=112#page=12", "page": 12, "document_sha256": "dd47f1e90cdc0dabf0320a789ed6505bd8e4f5a4c06cfe22b0ad9abc4b06bc73", "confirmed": "2026-11-13" } }, "min_balance_correction": null, "terms_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "fees_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "eligibility_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "AT CALL SAVINGS", "bonus_is_total": null, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 0.01, "intro_pct": null, "base_pct": 0.01 }, "50000": { "ongoing_pct": 0.01, "intro_pct": null, "base_pct": 0.01 }, "250000": { "ongoing_pct": 0.04, "intro_pct": null, "base_pct": 0.04 } }, "rankings": [], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": false, "app": false, "notifications": false, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [] }, "feature_tags": [ "Osko", "PayID" ], "interest_paid": "annually", "interest_calculated": null, "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2026-07-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "must become a member and own a share in the bank to hold an account" ], "eligibility": [], "record_stale": true, "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/S4_Std", "source_snapshot": "/au/finance/savings-accounts/v1/source/central-murray-bank/S4_Std.json", "snapshot_at": "2026-10-22T13:24:39Z", "bank_last_updated": "2026-07-31T14:38:06.000+10:00", "ranked": true, "unranked_reason": null, "row_count": 2, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.centralmurray.bank/personal-banking/transactional-accounts/budget-account/", "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "https://www.centralmurray.bank/download.php?library=document&type=pdf&file=112", "https://www.centralmurray.bank/download.php?library=document&type=pdf&file=2", "https://www.centralmurray.bank/download.php?library=document&type=pdf&file=1" ] } }, { "product_id": "S5_Std", "product_name": "CHRISTMAS CLUB ACCOUNT", "product_label": "Christmas Club Account", "product_slug": "christmas-club-account", "page": "/au/finance/savings-accounts/accounts/central-murray-bank/christmas-club-account/", "product_url": "https://www.centralmurray.bank/personal-banking/savings-accounts/christmas-club/", "rate_correction": null, "interest_paid_correction": { "quote": "Interest paid on the 30 th of November", "url": "https://www.centralmurray.bank/personal-banking/savings-accounts/christmas-club/", "checked": "2026-11-01", "citation": { "quote": "Interest paid on the 30 th of November", "url": "https://www.centralmurray.bank/personal-banking/savings-accounts/christmas-club/#:~:text=Interest%20paid%20on%20the%2030%20th%20of%20November", "document_sha256": "8b2b104d3a03fe8961e1a1bf752f96cda57ed6d23528078e5352adc8d0ca9f65", "confirmed": "2026-11-13" } }, "min_balance_correction": null, "terms_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "fees_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "eligibility_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "CHRISTMAS CLUB ACCOUNT", "bonus_is_total": null, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 0.55, "intro_pct": null, "base_pct": 0.55 }, "50000": { "ongoing_pct": 0.55, "intro_pct": null, "base_pct": 0.55 }, "250000": { "ongoing_pct": 0.55, "intro_pct": null, "base_pct": 0.55 } }, "rankings": [ { "segment": "personal", "kind": "ongoing", "balance": 10000, "rank": 77, "of": 79 }, { "segment": "personal", "kind": "ongoing", "balance": 50000, "rank": 78, "of": 79 }, { "segment": "personal", "kind": "ongoing", "balance": 250000, "rank": 78, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 10000, "rank": 78, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 50000, "rank": 79, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 250000, "rank": 79, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 10000, "rank": 64, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 50000, "rank": 66, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 250000, "rank": 66, "of": 79 } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": false, "payto": false, "bpay": false, "app": false, "notifications": false, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [] }, "feature_tags": [ "Osko" ], "interest_paid": "annually", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [ "christmas_club" ], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2026-07-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "a Christmas club account: withdrawals are restricted for most of the year", "funds can be taken out only from 15 November to 15 February; earlier access needs a written request", "interest is paid once a year on 30 November", "must become a member and own a share in the bank to hold an account" ], "eligibility": [], "record_stale": true, "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/S5_Std", "source_snapshot": "/au/finance/savings-accounts/v1/source/central-murray-bank/S5_Std.json", "snapshot_at": "2026-10-22T13:24:39Z", "bank_last_updated": "2026-07-31T14:39:41.000+10:00", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.centralmurray.bank/personal-banking/savings-accounts/christmas-club/", "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "https://www.centralmurray.bank/download.php?library=document&type=pdf&file=112", "https://www.centralmurray.bank/download.php?library=document&type=pdf&file=2", "https://www.centralmurray.bank/download.php?library=document&type=pdf&file=1" ] } }, { "product_id": "S15_Std", "product_name": "NOTICE OF WITHDRAWAL", "product_label": "Notice of Withdrawal", "product_slug": "notice-of-withdrawal", "page": "/au/finance/savings-accounts/accounts/central-murray-bank/notice-of-withdrawal/", "product_url": "https://www.centralmurray.bank/personal-banking/savings-accounts/notice-of-withdrawal/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "fees_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "eligibility_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "account_type": "notice", "segments": [ "personal" ], "segment": "personal", "description": "NOTICE OF WITHDRAWAL", "bonus_is_total": null, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 0.01, "intro_pct": null, "base_pct": 0.01 }, "50000": { "ongoing_pct": 0.11, "intro_pct": null, "base_pct": 0.11 }, "250000": { "ongoing_pct": 0.14, "intro_pct": null, "base_pct": 0.14 } }, "rankings": [], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": false, "payid": false, "payto": false, "bpay": false, "app": false, "notifications": false, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [] }, "feature_tags": [], "interest_paid": null, "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [ "notice" ], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2025-11-13, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "a notice account: withdrawals need advance notice", "advance notice product", "money is paid only in branch on request; there are no online transfers", "no online transfers", "must become a member and own a share in the bank to hold an account" ], "eligibility": [], "record_stale": true, "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/S15_Std", "source_snapshot": "/au/finance/savings-accounts/v1/source/central-murray-bank/S15_Std.json", "snapshot_at": "2026-10-22T13:24:39Z", "bank_last_updated": "2025-11-13T12:00:01.000+11:00", "ranked": true, "unranked_reason": null, "row_count": 3, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.centralmurray.bank/personal-banking/savings-accounts/notice-of-withdrawal/", "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "https://www.centralmurray.bank/download.php?library=document&type=pdf&file=112", "https://www.centralmurray.bank/download.php?library=document&type=pdf&file=2", "https://www.centralmurray.bank/download.php?library=document&type=pdf&file=1" ] } }, { "product_id": "S7_Std", "product_name": "PREMIUM BUSINESS", "product_label": "Premium Business", "product_slug": "premium-business", "page": "/au/finance/savings-accounts/accounts/central-murray-bank/premium-business/", "product_url": "https://www.centralmurray.bank/business-banking/premium-business-account/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "fees_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "eligibility_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "account_type": "savings", "segments": [ "business" ], "segment": "business", "description": "PREMIUM BUSINESS", "bonus_is_total": null, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": 5000, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 0.03, "intro_pct": null, "base_pct": 0.03 }, "50000": { "ongoing_pct": 0.07, "intro_pct": null, "base_pct": 0.07 }, "250000": { "ongoing_pct": 0.12, "intro_pct": null, "base_pct": 0.12 } }, "rankings": [ { "segment": "business", "kind": "ongoing", "balance": 10000, "rank": 39, "of": 42 }, { "segment": "business", "kind": "ongoing", "balance": 50000, "rank": 42, "of": 42 }, { "segment": "business", "kind": "ongoing", "balance": 250000, "rank": 42, "of": 42 }, { "segment": "business", "kind": "intro", "balance": 10000, "rank": 39, "of": 42 }, { "segment": "business", "kind": "intro", "balance": 50000, "rank": 42, "of": 42 }, { "segment": "business", "kind": "intro", "balance": 250000, "rank": 42, "of": 42 }, { "segment": "business", "kind": "base", "balance": 10000, "rank": 38, "of": 42 }, { "segment": "business", "kind": "base", "balance": 50000, "rank": 41, "of": 42 }, { "segment": "business", "kind": "base", "balance": 250000, "rank": 41, "of": 42 } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": false, "app": false, "notifications": false, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [] }, "feature_tags": [ "Osko", "PayID" ], "interest_paid": "quarterly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2026-07-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "$5 monthly access fee (free on sub accounts)", "must be a registered ABN holder; not-for-profit community groups are excluded", "must become a member and own a share in the bank to hold an account" ], "eligibility": [], "record_stale": true, "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/S7_Std", "source_snapshot": "/au/finance/savings-accounts/v1/source/central-murray-bank/S7_Std.json", "snapshot_at": "2026-10-22T13:24:39Z", "bank_last_updated": "2026-07-31T14:40:18.000+10:00", "ranked": true, "unranked_reason": null, "row_count": 4, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.centralmurray.bank/business-banking/premium-business-account/", "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "https://www.centralmurray.bank/download.php?library=document&type=pdf&file=112", "https://www.centralmurray.bank/download.php?library=document&type=pdf&file=2", "https://www.centralmurray.bank/download.php?library=document&type=pdf&file=1" ] } }, { "product_id": "S6_Std", "product_name": "SUPER SAVER ACCOUNT", "product_label": "Super Saver Account", "product_slug": "super-saver-account", "page": "/au/finance/savings-accounts/accounts/central-murray-bank/super-saver-account/", "product_url": "https://www.centralmurray.bank/personal-banking/youth-accounts/youth-saver-account/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "fees_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "eligibility_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "SUPER SAVER ACCOUNT", "bonus_is_total": null, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 2.25, "intro_pct": null, "base_pct": 2.25 }, "50000": { "ongoing_pct": 2.25, "intro_pct": null, "base_pct": 2.25 }, "250000": { "ongoing_pct": 2.25, "intro_pct": null, "base_pct": 2.25 } }, "rankings": [ { "segment": "personal", "kind": "ongoing", "balance": 10000, "rank": 85, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "ongoing", "balance": 50000, "rank": 85, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "ongoing", "balance": 250000, "rank": 85, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "intro", "balance": 10000, "rank": 86, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "intro", "balance": 50000, "rank": 86, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "intro", "balance": 250000, "rank": 86, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "base", "balance": 10000, "rank": 63, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "base", "balance": 50000, "rank": 63, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "base", "balance": 250000, "rank": 71, "of": 91, "hidden_by_default": true } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": false, "app": false, "notifications": false, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [] }, "feature_tags": [ "Osko", "PayID" ], "interest_paid": null, "interest_calculated": null, "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": 18, "restrictions": [ "age_limited" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "age", "who": "age 18 and under", "level": "product", "quote": "MAX_AGE 18", "source": "feed: eligibility MAX_AGE" }, { "kind": "age", "who": "members under 18 only", "level": "product", "quote": "Available for under 18's only", "source": "https://www.centralmurray.bank/personal-banking/youth-accounts/youth-saver-account/", "citation": { "quote": "Available for under 18's only", "url": "https://www.centralmurray.bank/personal-banking/youth-accounts/youth-saver-account/#:~:text=Available%20for%20under%2018%27s%20only", "document_sha256": "2a03b37c6860a1e4faa0efb51f760aa635bc26fd0f85013a26509b97ed3ac09a", "confirmed": "2026-11-13" } } ], "open_note": null }, "conditions": [ "not updated by the bank since 2025-11-13, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "age 18 and under", "members under 18 only", "must become a member and own a share in the bank to hold an account" ], "eligibility": [ "age 18 and under" ], "record_stale": true, "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/S6_Std", "source_snapshot": "/au/finance/savings-accounts/v1/source/central-murray-bank/S6_Std.json", "snapshot_at": "2026-10-22T13:24:39Z", "bank_last_updated": "2025-11-13T11:55:16.000+11:00", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.centralmurray.bank/personal-banking/youth-accounts/youth-saver-account/", "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "https://www.centralmurray.bank/download.php?library=document&type=pdf&file=112", "https://www.centralmurray.bank/download.php?library=document&type=pdf&file=2", "https://www.centralmurray.bank/download.php?library=document&type=pdf&file=1" ] } }, { "product_id": "S11_Std", "product_name": "BUSINESS ACCOUNT", "product_label": "Business Account", "product_slug": "business-account", "page": "/au/finance/savings-accounts/accounts/central-murray-bank/business-account/", "product_url": "https://www.centralmurray.bank/business-banking/business-account/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "fees_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "eligibility_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "account_type": "transaction", "segments": [ "business" ], "segment": "business", "description": "BUSINESS ACCOUNT", "bonus_is_total": null, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 0.01, "intro_pct": null, "base_pct": 0.01 }, "50000": { "ongoing_pct": 0.01, "intro_pct": null, "base_pct": 0.01 }, "250000": { "ongoing_pct": 0.04, "intro_pct": null, "base_pct": 0.04 } }, "rankings": [], "features": { "card_access": true, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": false, "app": false, "notifications": false, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [] }, "feature_tags": [ "card", "Osko", "PayID" ], "interest_paid": null, "interest_calculated": null, "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2026-07-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed" ], "eligibility": [], "record_stale": true, "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/S11_Std", "source_snapshot": "/au/finance/savings-accounts/v1/source/central-murray-bank/S11_Std.json", "snapshot_at": "2026-10-22T13:24:39Z", "bank_last_updated": "2026-07-31T14:40:04.000+10:00", "ranked": false, "unranked_reason": "transaction_account", "row_count": 2 }, { "product_id": "S8_Std", "product_name": "EVERYDAY ACCESS", "product_label": "Everyday Access", "product_slug": "everyday-access", "page": "/au/finance/savings-accounts/accounts/central-murray-bank/everyday-access/", "product_url": "https://www.centralmurray.bank/personal-banking/transactional-accounts/everyday-access/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "fees_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "eligibility_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "account_type": "transaction", "segments": [ "personal" ], "segment": "personal", "description": "EVERYDAY ACCESS", "bonus_is_total": null, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 0.01, "intro_pct": null, "base_pct": 0.01 }, "50000": { "ongoing_pct": 0.01, "intro_pct": null, "base_pct": 0.01 }, "250000": { "ongoing_pct": 0.04, "intro_pct": null, "base_pct": 0.04 } }, "rankings": [], "features": { "card_access": true, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": false, "app": false, "notifications": false, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [] }, "feature_tags": [ "card", "Osko", "PayID" ], "interest_paid": null, "interest_calculated": null, "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2026-07-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed" ], "eligibility": [], "record_stale": true, "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/S8_Std", "source_snapshot": "/au/finance/savings-accounts/v1/source/central-murray-bank/S8_Std.json", "snapshot_at": "2026-10-22T13:24:39Z", "bank_last_updated": "2026-07-31T14:37:50.000+10:00", "ranked": false, "unranked_reason": "transaction_account", "row_count": 2 }, { "product_id": "S12_Std", "product_name": "GST ACCOUNT", "product_label": "Gst Account", "product_slug": "gst-account", "page": null, "product_url": "https://www.centralmurray.bank/business-banking/gst-account/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "fees_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "eligibility_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "account_type": "other", "segments": [ "personal" ], "segment": "personal", "description": "GST ACCOUNT", "bonus_is_total": null, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 0.01, "intro_pct": null, "base_pct": 0.01 }, "50000": { "ongoing_pct": 0.01, "intro_pct": null, "base_pct": 0.01 }, "250000": { "ongoing_pct": 0.04, "intro_pct": null, "base_pct": 0.04 } }, "rankings": [], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": false, "app": false, "notifications": false, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [] }, "feature_tags": [ "Osko", "PayID" ], "interest_paid": null, "interest_calculated": null, "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2026-07-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed" ], "eligibility": [], "record_stale": true, "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/S12_Std", "source_snapshot": "/au/finance/savings-accounts/v1/source/central-murray-bank/S12_Std.json", "snapshot_at": "2026-10-22T13:24:39Z", "bank_last_updated": "2026-07-31T14:40:29.000+10:00", "ranked": false, "unranked_reason": "other_product", "row_count": 2 }, { "product_id": "S10_Std", "product_name": "MORTGAGE OFFSET ACCOUNT", "product_label": "Mortgage Offset Account", "product_slug": "mortgage-offset-account", "page": null, "product_url": "https://www.centralmurray.bank/personal-banking/transactional-accounts/offset-account/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "fees_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "eligibility_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "account_type": "offset", "segments": [ "personal" ], "segment": "personal", "description": "MORTGAGE OFFSET ACCOUNT", "bonus_is_total": null, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 0.0, "intro_pct": null, "base_pct": 0.0 }, "50000": { "ongoing_pct": 0.0, "intro_pct": null, "base_pct": 0.0 }, "250000": { "ongoing_pct": 0.0, "intro_pct": null, "base_pct": 0.0 } }, "rankings": [], "features": { "card_access": true, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": false, "app": false, "notifications": false, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [] }, "feature_tags": [ "card", "Osko", "PayID" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2026-07-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed" ], "eligibility": [], "record_stale": true, "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/S10_Std", "source_snapshot": "/au/finance/savings-accounts/v1/source/central-murray-bank/S10_Std.json", "snapshot_at": "2026-10-22T13:24:39Z", "bank_last_updated": "2026-07-31T14:39:12.000+10:00", "ranked": false, "unranked_reason": "offset_account", "row_count": 1 }, { "product_id": "S66_Std", "product_name": "PENSIONER JOINT", "product_label": "Pensioner Joint", "product_slug": "pensioner-joint", "page": "/au/finance/savings-accounts/accounts/central-murray-bank/pensioner-joint/", "product_url": "https://www.centralmurray.bank/personal-banking/transactional-accounts/pensioner-accounts/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "fees_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "eligibility_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "account_type": "transaction", "segments": [ "personal" ], "segment": "personal", "description": "PENSIONER JOINT", "bonus_is_total": null, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": null, "50000": null, "250000": null }, "rankings": [], "features": { "card_access": true, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": false, "app": false, "notifications": false, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": true, "joint_bonus": null, "joint_not_for": null, "other": [] }, "feature_tags": [ "card", "Osko", "PayID", "joint accounts" ], "interest_paid": null, "interest_calculated": null, "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [ "pensioner" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "pension", "who": "pension or allowance recipients", "level": "product", "quote": "PENSIONER JOINT", "source": "name" } ], "open_note": null }, "conditions": [ "not updated by the bank since 2026-07-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "open only to pension or allowance recipients" ], "eligibility": [], "record_stale": true, "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/S66_Std", "source_snapshot": "/au/finance/savings-accounts/v1/source/central-murray-bank/S66_Std.json", "snapshot_at": "2026-10-22T13:24:39Z", "bank_last_updated": "2026-07-31T14:38:55.000+10:00", "ranked": false, "unranked_reason": "transaction_account", "row_count": 0 }, { "product_id": "S65_Std", "product_name": "PENSIONER SINGLE", "product_label": "Pensioner Single", "product_slug": "pensioner-single", "page": "/au/finance/savings-accounts/accounts/central-murray-bank/pensioner-single/", "product_url": "https://www.centralmurray.bank/personal-banking/transactional-accounts/pensioner-accounts/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "fees_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "eligibility_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "account_type": "transaction", "segments": [ "personal" ], "segment": "personal", "description": "PENSIONER SINGLE", "bonus_is_total": null, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": null, "50000": null, "250000": null }, "rankings": [], "features": { "card_access": true, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": false, "app": false, "notifications": false, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [] }, "feature_tags": [ "card", "Osko", "PayID" ], "interest_paid": null, "interest_calculated": null, "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [ "pensioner" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "pension", "who": "pension or allowance recipients", "level": "product", "quote": "PENSIONER SINGLE", "source": "name" } ], "open_note": null }, "conditions": [ "not updated by the bank since 2026-07-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "open only to pension or allowance recipients" ], "eligibility": [], "record_stale": true, "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/S65_Std", "source_snapshot": "/au/finance/savings-accounts/v1/source/central-murray-bank/S65_Std.json", "snapshot_at": "2026-10-22T13:24:39Z", "bank_last_updated": "2026-07-31T14:38:38.000+10:00", "ranked": false, "unranked_reason": "transaction_account", "row_count": 0 } ], "rows": [ { "brand": "Central Murray Bank", "brand_label": "Central Murray Bank", "brand_slug": "central-murray-bank", "legal_entity_abn": "69087651812", "product_id": "S1_Std", "product_name": "AT CALL SAVINGS", "product_label": "At Call Savings – Std", "product_slug": "at-call-savings-std", "page": "/au/finance/savings-accounts/accounts/central-murray-bank/at-call-savings-std/", "product_url": "https://www.centralmurray.bank/personal-banking/savings-accounts/at-call-savings/", "terms_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": "annually", "interest_calculated": null, "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [], "conditions": [ "not updated by the bank since 2026-07-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "must become a member and own a share in the bank to hold an account" ], "record_stale": true, "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/S1_Std", "source_snapshot": "/au/finance/savings-accounts/v1/source/central-murray-bank/S1_Std.json", "bank_last_updated": "2026-07-31T14:39:27.000+10:00", "balance_from": 0, "balance_to": 49999.99, "base_rate_pct": 0.01, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.01, "intro_total_rate_pct": null, "rate_application": "per_tier", "ranked": true, "unranked_reason": null }, { "brand": "Central Murray Bank", "brand_label": "Central Murray Bank", "brand_slug": "central-murray-bank", "legal_entity_abn": "69087651812", "product_id": "S4_Std", "product_name": "AT CALL SAVINGS", "product_label": "At Call Savings – Std", "product_slug": "at-call-savings-std-2", "page": "/au/finance/savings-accounts/accounts/central-murray-bank/at-call-savings-std-2/", "product_url": "https://www.centralmurray.bank/personal-banking/transactional-accounts/budget-account/", "terms_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": "annually", "interest_calculated": null, "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [], "conditions": [ "not updated by the bank since 2026-07-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "must become a member and own a share in the bank to hold an account" ], "record_stale": true, "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/S4_Std", "source_snapshot": "/au/finance/savings-accounts/v1/source/central-murray-bank/S4_Std.json", "bank_last_updated": "2026-07-31T14:38:06.000+10:00", "balance_from": 0, "balance_to": 49999.99, "base_rate_pct": 0.01, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.01, "intro_total_rate_pct": null, "rate_application": "per_tier", "ranked": true, "unranked_reason": null }, { "brand": "Central Murray Bank", "brand_label": "Central Murray Bank", "brand_slug": "central-murray-bank", "legal_entity_abn": "69087651812", "product_id": "S1_Std", "product_name": "AT CALL SAVINGS", "product_label": "At Call Savings – Std", "product_slug": "at-call-savings-std", "page": "/au/finance/savings-accounts/accounts/central-murray-bank/at-call-savings-std/", "product_url": "https://www.centralmurray.bank/personal-banking/savings-accounts/at-call-savings/", "terms_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": "annually", "interest_calculated": null, "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [], "conditions": [ "not updated by the bank since 2026-07-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "must become a member and own a share in the bank to hold an account" ], "record_stale": true, "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/S1_Std", "source_snapshot": "/au/finance/savings-accounts/v1/source/central-murray-bank/S1_Std.json", "bank_last_updated": "2026-07-31T14:39:27.000+10:00", "balance_from": 50000, "balance_to": null, "base_rate_pct": 0.05, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.05, "intro_total_rate_pct": null, "rate_application": "per_tier", "ranked": true, "unranked_reason": null }, { "brand": "Central Murray Bank", "brand_label": "Central Murray Bank", "brand_slug": "central-murray-bank", "legal_entity_abn": "69087651812", "product_id": "S4_Std", "product_name": "AT CALL SAVINGS", "product_label": "At Call Savings – Std", "product_slug": "at-call-savings-std-2", "page": "/au/finance/savings-accounts/accounts/central-murray-bank/at-call-savings-std-2/", "product_url": "https://www.centralmurray.bank/personal-banking/transactional-accounts/budget-account/", "terms_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": "annually", "interest_calculated": null, "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [], "conditions": [ "not updated by the bank since 2026-07-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "must become a member and own a share in the bank to hold an account" ], "record_stale": true, "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/S4_Std", "source_snapshot": "/au/finance/savings-accounts/v1/source/central-murray-bank/S4_Std.json", "bank_last_updated": "2026-07-31T14:38:06.000+10:00", "balance_from": 50000, "balance_to": null, "base_rate_pct": 0.05, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.05, "intro_total_rate_pct": null, "rate_application": "per_tier", "ranked": true, "unranked_reason": null }, { "brand": "Central Murray Bank", "brand_label": "Central Murray Bank", "brand_slug": "central-murray-bank", "legal_entity_abn": "69087651812", "product_id": "S5_Std", "product_name": "CHRISTMAS CLUB ACCOUNT", "product_label": "Christmas Club Account", "product_slug": "christmas-club-account", "page": "/au/finance/savings-accounts/accounts/central-murray-bank/christmas-club-account/", "product_url": "https://www.centralmurray.bank/personal-banking/savings-accounts/christmas-club/", "terms_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": "annually", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [ "christmas_club" ], "conditions": [ "not updated by the bank since 2026-07-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "a Christmas club account: withdrawals are restricted for most of the year", "funds can be taken out only from 15 November to 15 February; earlier access needs a written request", "interest is paid once a year on 30 November", "must become a member and own a share in the bank to hold an account" ], "record_stale": true, "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/S5_Std", "source_snapshot": "/au/finance/savings-accounts/v1/source/central-murray-bank/S5_Std.json", "bank_last_updated": "2026-07-31T14:39:41.000+10:00", "balance_from": 0, "balance_to": null, "base_rate_pct": 0.55, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.55, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": true, "unranked_reason": null }, { "brand": "Central Murray Bank", "brand_label": "Central Murray Bank", "brand_slug": "central-murray-bank", "legal_entity_abn": "69087651812", "product_id": "S15_Std", "product_name": "NOTICE OF WITHDRAWAL", "product_label": "Notice of Withdrawal", "product_slug": "notice-of-withdrawal", "page": "/au/finance/savings-accounts/accounts/central-murray-bank/notice-of-withdrawal/", "product_url": "https://www.centralmurray.bank/personal-banking/savings-accounts/notice-of-withdrawal/", "terms_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "account_type": "notice", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": null, "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [ "notice" ], "conditions": [ "not updated by the bank since 2025-11-13, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "a notice account: withdrawals need advance notice", "advance notice product", "money is paid only in branch on request; there are no online transfers", "no online transfers", "must become a member and own a share in the bank to hold an account" ], "record_stale": true, "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/S15_Std", "source_snapshot": "/au/finance/savings-accounts/v1/source/central-murray-bank/S15_Std.json", "bank_last_updated": "2025-11-13T12:00:01.000+11:00", "balance_from": 0, "balance_to": 9999.99, "base_rate_pct": 0.01, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.01, "intro_total_rate_pct": null, "rate_application": "per_tier", "ranked": true, "unranked_reason": null }, { "brand": "Central Murray Bank", "brand_label": "Central Murray Bank", "brand_slug": "central-murray-bank", "legal_entity_abn": "69087651812", "product_id": "S15_Std", "product_name": "NOTICE OF WITHDRAWAL", "product_label": "Notice of Withdrawal", "product_slug": "notice-of-withdrawal", "page": "/au/finance/savings-accounts/accounts/central-murray-bank/notice-of-withdrawal/", "product_url": "https://www.centralmurray.bank/personal-banking/savings-accounts/notice-of-withdrawal/", "terms_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "account_type": "notice", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": null, "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [ "notice" ], "conditions": [ "not updated by the bank since 2025-11-13, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "a notice account: withdrawals need advance notice", "advance notice product", "money is paid only in branch on request; there are no online transfers", "no online transfers", "must become a member and own a share in the bank to hold an account" ], "record_stale": true, "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/S15_Std", "source_snapshot": "/au/finance/savings-accounts/v1/source/central-murray-bank/S15_Std.json", "bank_last_updated": "2025-11-13T12:00:01.000+11:00", "balance_from": 10000, "balance_to": 19999.99, "base_rate_pct": 0.1, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.1, "intro_total_rate_pct": null, "rate_application": "per_tier", "ranked": true, "unranked_reason": null }, { "brand": "Central Murray Bank", "brand_label": "Central Murray Bank", "brand_slug": "central-murray-bank", "legal_entity_abn": "69087651812", "product_id": "S15_Std", "product_name": "NOTICE OF WITHDRAWAL", "product_label": "Notice of Withdrawal", "product_slug": "notice-of-withdrawal", "page": "/au/finance/savings-accounts/accounts/central-murray-bank/notice-of-withdrawal/", "product_url": "https://www.centralmurray.bank/personal-banking/savings-accounts/notice-of-withdrawal/", "terms_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "account_type": "notice", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": null, "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [ "notice" ], "conditions": [ "not updated by the bank since 2025-11-13, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "a notice account: withdrawals need advance notice", "advance notice product", "money is paid only in branch on request; there are no online transfers", "no online transfers", "must become a member and own a share in the bank to hold an account" ], "record_stale": true, "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/S15_Std", "source_snapshot": "/au/finance/savings-accounts/v1/source/central-murray-bank/S15_Std.json", "bank_last_updated": "2025-11-13T12:00:01.000+11:00", "balance_from": 20000, "balance_to": null, "base_rate_pct": 0.15, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.15, "intro_total_rate_pct": null, "rate_application": "per_tier", "ranked": true, "unranked_reason": null }, { "brand": "Central Murray Bank", "brand_label": "Central Murray Bank", "brand_slug": "central-murray-bank", "legal_entity_abn": "69087651812", "product_id": "S7_Std", "product_name": "PREMIUM BUSINESS", "product_label": "Premium Business", "product_slug": "premium-business", "page": "/au/finance/savings-accounts/accounts/central-murray-bank/premium-business/", "product_url": "https://www.centralmurray.bank/business-banking/premium-business-account/", "terms_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "account_type": "savings", "segments": [ "business" ], "segment": "business", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": 5000, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": "quarterly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [], "conditions": [ "not updated by the bank since 2026-07-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "$5 monthly access fee (free on sub accounts)", "must be a registered ABN holder; not-for-profit community groups are excluded", "must become a member and own a share in the bank to hold an account" ], "record_stale": true, "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/S7_Std", "source_snapshot": "/au/finance/savings-accounts/v1/source/central-murray-bank/S7_Std.json", "bank_last_updated": "2026-07-31T14:40:18.000+10:00", "balance_from": 0, "balance_to": 4999.99, "base_rate_pct": 0.0, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.0, "intro_total_rate_pct": null, "rate_application": "per_tier", "ranked": true, "unranked_reason": null }, { "brand": "Central Murray Bank", "brand_label": "Central Murray Bank", "brand_slug": "central-murray-bank", "legal_entity_abn": "69087651812", "product_id": "S7_Std", "product_name": "PREMIUM BUSINESS", "product_label": "Premium Business", "product_slug": "premium-business", "page": "/au/finance/savings-accounts/accounts/central-murray-bank/premium-business/", "product_url": "https://www.centralmurray.bank/business-banking/premium-business-account/", "terms_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "account_type": "savings", "segments": [ "business" ], "segment": "business", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": 5000, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": "quarterly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [], "conditions": [ "not updated by the bank since 2026-07-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "$5 monthly access fee (free on sub accounts)", "must be a registered ABN holder; not-for-profit community groups are excluded", "must become a member and own a share in the bank to hold an account" ], "record_stale": true, "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/S7_Std", "source_snapshot": "/au/finance/savings-accounts/v1/source/central-murray-bank/S7_Std.json", "bank_last_updated": "2026-07-31T14:40:18.000+10:00", "balance_from": 5000, "balance_to": 19999.99, "base_rate_pct": 0.05, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.05, "intro_total_rate_pct": null, "rate_application": "per_tier", "ranked": true, "unranked_reason": null }, { "brand": "Central Murray Bank", "brand_label": "Central Murray Bank", "brand_slug": "central-murray-bank", "legal_entity_abn": "69087651812", "product_id": "S7_Std", "product_name": "PREMIUM BUSINESS", "product_label": "Premium Business", "product_slug": "premium-business", "page": "/au/finance/savings-accounts/accounts/central-murray-bank/premium-business/", "product_url": "https://www.centralmurray.bank/business-banking/premium-business-account/", "terms_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "account_type": "savings", "segments": [ "business" ], "segment": "business", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": 5000, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": "quarterly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [], "conditions": [ "not updated by the bank since 2026-07-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "$5 monthly access fee (free on sub accounts)", "must be a registered ABN holder; not-for-profit community groups are excluded", "must become a member and own a share in the bank to hold an account" ], "record_stale": true, "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/S7_Std", "source_snapshot": "/au/finance/savings-accounts/v1/source/central-murray-bank/S7_Std.json", "bank_last_updated": "2026-07-31T14:40:18.000+10:00", "balance_from": 20000, "balance_to": 99999.99, "base_rate_pct": 0.1, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.1, "intro_total_rate_pct": null, "rate_application": "per_tier", "ranked": true, "unranked_reason": null }, { "brand": "Central Murray Bank", "brand_label": "Central Murray Bank", "brand_slug": "central-murray-bank", "legal_entity_abn": "69087651812", "product_id": "S7_Std", "product_name": "PREMIUM BUSINESS", "product_label": "Premium Business", "product_slug": "premium-business", "page": "/au/finance/savings-accounts/accounts/central-murray-bank/premium-business/", "product_url": "https://www.centralmurray.bank/business-banking/premium-business-account/", "terms_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "account_type": "savings", "segments": [ "business" ], "segment": "business", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": 5000, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": "quarterly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [], "conditions": [ "not updated by the bank since 2026-07-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "$5 monthly access fee (free on sub accounts)", "must be a registered ABN holder; not-for-profit community groups are excluded", "must become a member and own a share in the bank to hold an account" ], "record_stale": true, "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/S7_Std", "source_snapshot": "/au/finance/savings-accounts/v1/source/central-murray-bank/S7_Std.json", "bank_last_updated": "2026-07-31T14:40:18.000+10:00", "balance_from": 100000, "balance_to": null, "base_rate_pct": 0.15, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.15, "intro_total_rate_pct": null, "rate_application": "per_tier", "ranked": true, "unranked_reason": null }, { "brand": "Central Murray Bank", "brand_label": "Central Murray Bank", "brand_slug": "central-murray-bank", "legal_entity_abn": "69087651812", "product_id": "S6_Std", "product_name": "SUPER SAVER ACCOUNT", "product_label": "Super Saver Account", "product_slug": "super-saver-account", "page": "/au/finance/savings-accounts/accounts/central-murray-bank/super-saver-account/", "product_url": "https://www.centralmurray.bank/personal-banking/youth-accounts/youth-saver-account/", "terms_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": null, "interest_calculated": null, "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": 18, "restrictions": [ "age_limited" ], "conditions": [ "not updated by the bank since 2025-11-13, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "age 18 and under", "members under 18 only", "must become a member and own a share in the bank to hold an account" ], "record_stale": true, "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/S6_Std", "source_snapshot": "/au/finance/savings-accounts/v1/source/central-murray-bank/S6_Std.json", "bank_last_updated": "2025-11-13T11:55:16.000+11:00", "balance_from": 0, "balance_to": null, "base_rate_pct": 2.25, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 2.25, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": true, "unranked_reason": null }, { "brand": "Central Murray Bank", "brand_label": "Central Murray Bank", "brand_slug": "central-murray-bank", "legal_entity_abn": "69087651812", "product_id": "S11_Std", "product_name": "BUSINESS ACCOUNT", "product_label": "Business Account", "product_slug": "business-account", "page": "/au/finance/savings-accounts/accounts/central-murray-bank/business-account/", "product_url": "https://www.centralmurray.bank/business-banking/business-account/", "terms_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "account_type": "transaction", "segments": [ "business" ], "segment": "business", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": null, "interest_calculated": null, "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [], "conditions": [ "not updated by the bank since 2026-07-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed" ], "record_stale": true, "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/S11_Std", "source_snapshot": "/au/finance/savings-accounts/v1/source/central-murray-bank/S11_Std.json", "bank_last_updated": "2026-07-31T14:40:04.000+10:00", "balance_from": 0, "balance_to": 49999.99, "base_rate_pct": 0.01, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.01, "intro_total_rate_pct": null, "rate_application": "per_tier", "ranked": false, "unranked_reason": "transaction_account" }, { "brand": "Central Murray Bank", "brand_label": "Central Murray Bank", "brand_slug": "central-murray-bank", "legal_entity_abn": "69087651812", "product_id": "S11_Std", "product_name": "BUSINESS ACCOUNT", "product_label": "Business Account", "product_slug": "business-account", "page": "/au/finance/savings-accounts/accounts/central-murray-bank/business-account/", "product_url": "https://www.centralmurray.bank/business-banking/business-account/", "terms_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "account_type": "transaction", "segments": [ "business" ], "segment": "business", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": null, "interest_calculated": null, "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [], "conditions": [ "not updated by the bank since 2026-07-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed" ], "record_stale": true, "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/S11_Std", "source_snapshot": "/au/finance/savings-accounts/v1/source/central-murray-bank/S11_Std.json", "bank_last_updated": "2026-07-31T14:40:04.000+10:00", "balance_from": 50000, "balance_to": null, "base_rate_pct": 0.05, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.05, "intro_total_rate_pct": null, "rate_application": "per_tier", "ranked": false, "unranked_reason": "transaction_account" }, { "brand": "Central Murray Bank", "brand_label": "Central Murray Bank", "brand_slug": "central-murray-bank", "legal_entity_abn": "69087651812", "product_id": "S8_Std", "product_name": "EVERYDAY ACCESS", "product_label": "Everyday Access", "product_slug": "everyday-access", "page": "/au/finance/savings-accounts/accounts/central-murray-bank/everyday-access/", "product_url": "https://www.centralmurray.bank/personal-banking/transactional-accounts/everyday-access/", "terms_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "account_type": "transaction", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": null, "interest_calculated": null, "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [], "conditions": [ "not updated by the bank since 2026-07-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed" ], "record_stale": true, "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/S8_Std", "source_snapshot": "/au/finance/savings-accounts/v1/source/central-murray-bank/S8_Std.json", "bank_last_updated": "2026-07-31T14:37:50.000+10:00", "balance_from": 0, "balance_to": 49999.99, "base_rate_pct": 0.01, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.01, "intro_total_rate_pct": null, "rate_application": "per_tier", "ranked": false, "unranked_reason": "transaction_account" }, { "brand": "Central Murray Bank", "brand_label": "Central Murray Bank", "brand_slug": "central-murray-bank", "legal_entity_abn": "69087651812", "product_id": "S8_Std", "product_name": "EVERYDAY ACCESS", "product_label": "Everyday Access", "product_slug": "everyday-access", "page": "/au/finance/savings-accounts/accounts/central-murray-bank/everyday-access/", "product_url": "https://www.centralmurray.bank/personal-banking/transactional-accounts/everyday-access/", "terms_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "account_type": "transaction", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": null, "interest_calculated": null, "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [], "conditions": [ "not updated by the bank since 2026-07-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed" ], "record_stale": true, "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/S8_Std", "source_snapshot": "/au/finance/savings-accounts/v1/source/central-murray-bank/S8_Std.json", "bank_last_updated": "2026-07-31T14:37:50.000+10:00", "balance_from": 50000, "balance_to": null, "base_rate_pct": 0.05, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.05, "intro_total_rate_pct": null, "rate_application": "per_tier", "ranked": false, "unranked_reason": "transaction_account" }, { "brand": "Central Murray Bank", "brand_label": "Central Murray Bank", "brand_slug": "central-murray-bank", "legal_entity_abn": "69087651812", "product_id": "S12_Std", "product_name": "GST ACCOUNT", "product_label": "Gst Account", "product_slug": "gst-account", "page": null, "product_url": "https://www.centralmurray.bank/business-banking/gst-account/", "terms_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "account_type": "other", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": null, "interest_calculated": null, "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [], "conditions": [ "not updated by the bank since 2026-07-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed" ], "record_stale": true, "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/S12_Std", "source_snapshot": "/au/finance/savings-accounts/v1/source/central-murray-bank/S12_Std.json", "bank_last_updated": "2026-07-31T14:40:29.000+10:00", "balance_from": 0, "balance_to": 49999.99, "base_rate_pct": 0.01, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.01, "intro_total_rate_pct": null, "rate_application": "per_tier", "ranked": false, "unranked_reason": "other_product" }, { "brand": "Central Murray Bank", "brand_label": "Central Murray Bank", "brand_slug": "central-murray-bank", "legal_entity_abn": "69087651812", "product_id": "S12_Std", "product_name": "GST ACCOUNT", "product_label": "Gst Account", "product_slug": "gst-account", "page": null, "product_url": "https://www.centralmurray.bank/business-banking/gst-account/", "terms_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "account_type": "other", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": null, "interest_calculated": null, "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [], "conditions": [ "not updated by the bank since 2026-07-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed" ], "record_stale": true, "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/S12_Std", "source_snapshot": "/au/finance/savings-accounts/v1/source/central-murray-bank/S12_Std.json", "bank_last_updated": "2026-07-31T14:40:29.000+10:00", "balance_from": 50000, "balance_to": null, "base_rate_pct": 0.05, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.05, "intro_total_rate_pct": null, "rate_application": "per_tier", "ranked": false, "unranked_reason": "other_product" }, { "brand": "Central Murray Bank", "brand_label": "Central Murray Bank", "brand_slug": "central-murray-bank", "legal_entity_abn": "69087651812", "product_id": "S10_Std", "product_name": "MORTGAGE OFFSET ACCOUNT", "product_label": "Mortgage Offset Account", "product_slug": "mortgage-offset-account", "page": null, "product_url": "https://www.centralmurray.bank/personal-banking/transactional-accounts/offset-account/", "terms_url": "https://www.centralmurray.bank/support/regulatory/disclosure-statements/", "account_type": "offset", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [], "conditions": [ "not updated by the bank since 2026-07-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed" ], "record_stale": true, "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/S10_Std", "source_snapshot": "/au/finance/savings-accounts/v1/source/central-murray-bank/S10_Std.json", "bank_last_updated": "2026-07-31T14:39:12.000+10:00", "balance_from": 0, "balance_to": null, "base_rate_pct": 0.0, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.0, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": false, "unranked_reason": "offset_account" } ], "licence_shared_with": [], "guarantee": null }