{
  "brand": "Firefighters Mutual Bank",
  "brand_label": "Firefighters Mutual Bank",
  "brand_slug": "firefighters-mutual-bank",
  "legal_entity_abn": "30087650459",
  "public_base_uri": "https://ob.tmbl.com.au/fmbank",
  "logo_uri": "https://www.fmbank.com.au/content/dam/channels/websites/common-assets/logos/Header%20logos/FMB-logo-rgb-pos-double.svg",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-11T20:54:26Z",
  "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":5.75,"base_rate_pct":5.75,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Starter Saver Account","account_type":"savings","reference_balances":[10000,50000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":["occupation_membership","age_limited"],"record_stale":false},
      {"segment":"personal","kind":"intro","rate_pct":5.75,"base_rate_pct":5.75,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Starter Saver Account","account_type":"savings","reference_balances":[10000,50000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":["occupation_membership","age_limited"],"record_stale":false},
      {"segment":"personal","kind":"base","rate_pct":5.75,"base_rate_pct":5.75,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Starter Saver Account","account_type":"savings","reference_balances":[10000,50000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":["occupation_membership","age_limited"],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "age 29 and under",
        "Membership limited to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian emergency services sector or are family members of members (i.e. shareholders) of the… (the lender's words)",
        "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…",
        "must be an Australian citizen or permanent resident employed in, retired from, or volunteering in emergency services, or immediate family of a member",
        "under 30, or a university student of any age (full or part time)",
        "at 30 the account moves to Essential Saver (5.25%, lower than Starter Saver on the first $50,000)"
      ]
    },
    "unranked": {
      "products": 1,
      "transaction_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_label": "Edvest Cash Management Account",
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      "product_url": "https://www.fmbank.com.au/banking/edvest-cash-management-account",
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      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.fmbank.com.au/content/dam/documents/collateral/conditions-of-use.pdf",
      "fees_url": "https://www.fmbank.com.au/content/dam/documents/collateral/fees-and-charges.pdf",
      "eligibility_url": "https://www.fmbank.com.au/banking/edvest-cash-management-account",
      "account_type": "cash_management",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Exclusive to Edvest members, our higher interest rates make your money work harder for you.",
      "bonus_is_total": null,
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      "intro_is_bonus_rate": null,
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        },
        "50000": {
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        },
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      },
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        "other": [
          "Higher interest rate for balances $2,000 and over.",
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      },
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            "level": "bank",
            "quote": "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian emergency services sector or are family members of members (i.e. shareholders) of the Bank.",
            "source": "feed: eligibility OTHER"
          },
          {
            "kind": "age",
            "who": "age 50 and over",
            "level": "product",
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            "source": "feed: eligibility OTHER"
          },
          {
            "kind": "occupation",
            "who": "must be an Australian citizen or permanent resident employed in, retired from, or volunteering in emergency services, or immediate family of a member",
            "level": "product",
            "quote": "Employed in, retired from, or volunteer in the Australian emergency services sector.",
            "source": "https://www.fmbank.com.au/banking/edvest-cash-management-account",
            "citation": {
              "quote": "Employed in, retired from, or volunteer in the Australian emergency services sector.",
              "url": "https://www.fmbank.com.au/banking/edvest-cash-management-account#:~:text=Employed%20in%2C%20retired%20from%2C%20or,the%20Australian%20emergency%20services%20sector.",
              "document_sha256": "3af17e8dfe1d64fdabd8451b14591b2a3c65fb92598981e645bfe291e3face3c",
              "confirmed": "2026-11-13"
            }
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        "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
        "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…",
        "must be an Australian citizen or permanent resident employed in, retired from, or volunteering in emergency services, or immediate family of a member"
      ],
      "eligibility": [
        "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying account with us.",
        "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian emergency services sector or are family members of members (i.e. shareholders) of the Bank.",
        "residency: Individuals must be citizens or permanent residents of Australia."
      ],
      "record_stale": false,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/cf6eba94-7f0a-4302-9d15-79400f066fa7",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/firefighters-mutual-bank/cf6eba94-7f0a-4302-9d15-79400f066fa7.json",
      "snapshot_at": "2026-11-12T02:32:50Z",
      "bank_last_updated": "2026-11-12T07:54:26.000+11:00",
      "ranked": true,
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      "row_count": 1,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://www.fmbank.com.au/banking/edvest-cash-management-account",
          "https://www.fmbank.com.au/content/dam/documents/collateral/conditions-of-use.pdf"
        ]
      }
    },
    {
      "product_id": "1117eb64-3f4e-415a-8ed5-904d15457a68",
      "product_name": "Essential Saver account",
      "product_label": "Essential Saver Account",
      "product_slug": "essential-saver-account",
      "page": "/au/finance/savings-accounts/accounts/firefighters-mutual-bank/essential-saver-account/",
      "product_url": "https://www.fmbank.com.au/banking/essential-saver",
      "rate_correction": null,
      "interest_paid_correction": null,
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      "terms_url": "https://www.fmbank.com.au/content/dam/documents/collateral/conditions-of-use.pdf",
      "fees_url": "https://www.fmbank.com.au/content/dam/documents/collateral/fees-and-charges.pdf",
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      "segment": "personal",
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      "rankings": [
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          "segment": "personal",
          "kind": "ongoing",
          "balance": 250000,
          "rank": 18,
          "of": 91,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
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        "other": [
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        ]
      },
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            "who": "citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian emergency services sector or are family members of members (i.e. shareholders) of the…",
            "level": "bank",
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        "card": "Visa Debit with payWave",
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        ]
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