{
  "brand": "Central West CUL",
  "brand_label": "Central West Credit Union",
  "brand_slug": "central-west-cul",
  "legal_entity_abn": "67087649885",
  "public_base_uri": "https://ib.cwcu.com.au/openbanking",
  "logo_uri": "https://ib.cwcu.com.au/OpenBanking/logo.png",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-10-31T21:38:52Z",
  "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":2.25,"base_rate_pct":2.25,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"S8 E Access Saver Account","account_type":"savings","reference_balances":[50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":true},
      {"segment":"personal","kind":"intro","rate_pct":2.25,"base_rate_pct":2.25,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"S8 E Access Saver Account","account_type":"savings","reference_balances":[50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":true},
      {"segment":"personal","kind":"base","rate_pct":2.25,"base_rate_pct":2.25,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"S8 E Access Saver Account","account_type":"savings","reference_balances":[50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":true}
    ],
    "condition_sets": {
      "k1": [
        "not updated by the bank since 2026-11-01, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "you must first become a member by buying a $10 member share (refunded if you redeem it)",
        "only internet banking and direct deposits are allowed on this account"
      ]
    },
    "unranked": {
      "products": 7,
      "transaction_account": 6,
      "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.",
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    {
      "product_id": "Investment_Savings",
      "product_name": "INVESTMENT SAVINGS",
      "product_label": "Investment Savings",
      "product_slug": "investment-savings",
      "page": "/au/finance/savings-accounts/accounts/central-west-cul/investment-savings/",
      "product_url": "https://www.cwcu.com.au/savings/investment-savings-account",
      "rate_correction": null,
      "interest_paid_correction": {
        "quote": "Type D: calculated on daily balance, paid monthly",
        "url": "https://www.cwcu.com.au/cwcu/media/Documents/Summary-of-Accounts-Availability-of-Access-1-August-2025_1.pdf",
        "checked": "2026-11-01",
        "citation": {
          "quote": "Type D: calculated on daily balance, paid monthly",
          "url": "https://www.cwcu.com.au/cwcu/media/Documents/Summary-of-Accounts-Availability-of-Access-1-August-2025_1.pdf#page=2",
          "page": 2,
          "document_sha256": "4c9a11e8f7f7596fe61e906b49ae0c9de6cb1d977f4cf0c8260b28ec8e93df76",
          "confirmed": "2026-11-13"
        }
      },
      "min_balance_correction": null,
      "terms_url": "https://www.cwcu.com.au/savings/investment-savings-account",
      "fees_url": "https://www.cwcu.com.au/savings/investment-savings-account",
      "eligibility_url": "https://www.cwcu.com.au/savings/investment-savings-account",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "INVESTMENT 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,
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      "max_balance": null,
      "notice_days": null,
      "rates_at_reference_balances": {
        "10000": {
          "ongoing_pct": 1.3,
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          "base_pct": 1.3
        },
        "50000": {
          "ongoing_pct": 2.1,
          "intro_pct": null,
          "base_pct": 2.1
        },
        "250000": {
          "ongoing_pct": 2.1,
          "intro_pct": null,
          "base_pct": 2.1
        }
      },
      "rankings": [],
      "features": {
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        "card": null,
        "digital_wallets": [],
        "osko": false,
        "payid": false,
        "payto": false,
        "bpay": false,
        "app": false,
        "notifications": false,
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        "free_transactions": null,
        "linked_account_required": false,
        "round_up": false,
        "joint": null,
        "joint_bonus": null,
        "joint_not_for": null,
        "other": []
      },
      "feature_tags": [],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
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      "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 2026-11-01, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "you must first become a member by buying a $10 member share (refunded if you redeem it)"
      ],
      "eligibility": [],
      "record_stale": true,
      "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/Investment_Savings",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/central-west-cul/Investment_Savings.json",
      "snapshot_at": "2026-10-31T23:12:39Z",
      "bank_last_updated": "2026-11-01T08:35:35.000+11:00",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 4,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://www.cwcu.com.au/savings/investment-savings-account",
          "https://www.cwcu.com.au/deposit-interest-rates",
          "https://www.cwcu.com.au/cwcu/media/Documents/Summary-of-Accounts-Availability-of-Access-1-August-2025_1.pdf",
          "https://www.cwcu.com.au/cwcu/media/Documents/Schedule-of-Fee,-Charges-Transaction-Limits-1st-June-2024.pdf",
          "https://www.cwcu.com.au/cwcu/media/Documents/Account-Access-Facility-1st-June-2024.pdf",
          "https://www.cwcu.com.au/disclosure-documents/conditions-of-use",
          "https://www.cwcu.com.au/disclosure-documents/fees-and-charges"
        ]
      }
    },
    {
      "product_id": "No_2_Deposit_account",
      "product_name": "No 2 Deposit Account",
      "product_label": "No 2 Deposit Account",
      "product_slug": "no-2-deposit-account",
      "page": "/au/finance/savings-accounts/accounts/central-west-cul/no-2-deposit-account/",
      "product_url": "https://www.cwcu.com.au/savings/other-savings-accounts",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.cwcu.com.au/disclosure-documents/conditions-of-use",
      "fees_url": "https://www.cwcu.com.au/disclosure-documents/fees-and-charges",
      "eligibility_url": "https://www.cwcu.com.au/disclosure-documents/conditions-of-use",
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "For budgeting and reaching your financial goals",
      "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": 0.05,
          "intro_pct": null,
          "base_pct": 0.05
        },
        "50000": {
          "ongoing_pct": 0.05,
          "intro_pct": null,
          "base_pct": 0.05
        },
        "250000": {
          "ongoing_pct": 0.05,
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          "base_pct": 0.05
        }
      },
      "rankings": [],
      "features": {
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        "card": null,
        "digital_wallets": [],
        "osko": false,
        "payid": false,
        "payto": false,
        "bpay": false,
        "app": true,
        "notifications": false,
        "unlimited_transactions": true,
        "free_transactions": null,
        "linked_account_required": false,
        "round_up": false,
        "joint": null,
        "joint_bonus": null,
        "joint_not_for": null,
        "other": [
          "Card access is not available on this product"
        ]
      },
      "feature_tags": [
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        "unlimited transactions"
      ],
      "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": {
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        "groups": [],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-05-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed",
        "you must first become a member by buying a $10 member share (refunded if you redeem it)"
      ],
      "eligibility": [
        "residency: Australian Residents only"
      ],
      "record_stale": true,
      "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/No_2_Deposit_account",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/central-west-cul/No_2_Deposit_account.json",
      "snapshot_at": "2026-10-22T13:24:41Z",
      "bank_last_updated": "2026-05-31T07:55:42.000+10:00",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 1,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://www.cwcu.com.au/savings/other-savings-accounts",
          "https://www.cwcu.com.au/deposit-interest-rates",
          "https://www.cwcu.com.au/cwcu/media/Documents/Summary-of-Accounts-Availability-of-Access-1-August-2025_1.pdf",
          "https://www.cwcu.com.au/cwcu/media/Documents/Schedule-of-Fee,-Charges-Transaction-Limits-1st-June-2024.pdf",
          "https://www.cwcu.com.au/cwcu/media/Documents/Account-Access-Facility-1st-June-2024.pdf",
          "https://www.cwcu.com.au/disclosure-documents/conditions-of-use",
          "https://www.cwcu.com.au/disclosure-documents/fees-and-charges"
        ]
      }
    },
    {
      "product_id": "Cash_Management",
      "product_name": "S10 Cash Management Account",
      "product_label": "S10 Cash Management Account",
      "product_slug": "s10-cash-management-account",
      "page": "/au/finance/savings-accounts/accounts/central-west-cul/s10-cash-management-account/",
      "product_url": "https://www.cwcu.com.au/savings/cash-management-account",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.cwcu.com.au/disclosure-documents/conditions-of-use",
      "fees_url": "https://www.cwcu.com.au/disclosure-documents/fees-and-charges",
      "eligibility_url": "https://www.cwcu.com.au/disclosure-documents/conditions-of-use",
      "account_type": "cash_management",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "The Cash Management Account is tiered interest structure encourages you to save more, and reach your financial goals sooner.",
      "bonus_is_total": null,
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      "intro_is_bonus_rate": null,
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      "intro_conditions": [],
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      },
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        "card": "Visa debit card",
        "digital_wallets": [
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        ],
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        "joint": null,
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        "other": [
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        ]
      },
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        "unlimited transactions",
        "wallets: Apple, Samsung & Google Pay",
        "3 free transactions a month"
      ],
      "interest_paid": "quarterly",
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      "conditions": [
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        "Minimum age 18 applies if applying for a overdraft",
        "you must first become a member by buying a $10 member share (refunded if you redeem it)"
      ],
      "eligibility": [
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        "Minimum age 18 applies if applying for a overdraft"
      ],
      "record_stale": true,
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      "source_snapshot": "/au/finance/savings-accounts/v1/source/central-west-cul/Cash_Management.json",
      "snapshot_at": "2026-10-31T23:12:39Z",
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      "terms_scan": {
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    },
    {
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      "product_label": "S4 Christmas Club Account",
      "product_slug": "s4-christmas-club-account",
      "page": "/au/finance/savings-accounts/accounts/central-west-cul/s4-christmas-club-account/",
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      "fees_url": "https://www.cwcu.com.au/disclosure-documents/fees-and-charges",
      "eligibility_url": "https://www.cwcu.com.au/disclosure-documents/conditions-of-use",
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      ],
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      "description": "Take the pressure out of the most expensive time of year.",
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        },
        {
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        },
        {
          "segment": "personal",
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        }
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        "other": [
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          "Card access is not avialable on this product"
        ]
      },
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        "unlimited transactions",
        "4 free transactions a month"
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        "you must first become a member by buying a $10 member share (refunded if you redeem it)",
        "withdrawals are only allowed from 1 November to the last day of February; outside that window a fee of $10 applies per withdrawal"
      ],
      "eligibility": [
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      ],
      "record_stale": true,
      "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/Christmas_Account",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/central-west-cul/Christmas_Account.json",
      "snapshot_at": "2026-10-31T23:12:39Z",
      "bank_last_updated": "2026-11-01T08:34:07.000+11:00",
      "ranked": true,
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      "terms_scan": {
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        ]
      }
    },
    {
      "product_id": "Golden_Account",
      "product_name": "S6 Golden Account",
      "product_label": "S6 Golden Account",
      "product_slug": "s6-golden-account",
      "page": "/au/finance/savings-accounts/accounts/central-west-cul/s6-golden-account/",
      "product_url": "https://www.cwcu.com.au/savings/other-savings-accounts",
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      "terms_url": "https://www.cwcu.com.au/disclosure-documents/conditions-of-use",
      "fees_url": "https://www.cwcu.com.au/disclosure-documents/fees-and-charges",
      "eligibility_url": "https://www.cwcu.com.au/disclosure-documents/conditions-of-use",
      "account_type": "savings",
      "segments": [
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      ],
      "segment": "personal",
      "description": "Managing your savings in retirement. Designed to suit aged pension recipients",
      "bonus_is_total": null,
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