{
  "brand": "Teachers Mutual Bank",
  "brand_label": "Teachers Mutual Bank",
  "brand_slug": "teachers-mutual-bank",
  "legal_entity_abn": "30087650459",
  "public_base_uri": "https://ob.tmbl.com.au/tmbank",
  "logo_uri": "https://www.tmbank.com.au/content/dam/channels/websites/common-assets/logos/Header%20logos/TMB-logo-rgb-colour-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": [
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      {"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}
    ],
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        "age 29 and under",
        "Membership limited to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank (the lender's words)",
        "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…",
        "university students of any age (full or part time) can also open it",
        "must be an Australian citizen or permanent resident with an Australian residential address"
      ]
    },
    "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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      "fees_url": "https://www.tmbank.com.au/content/dam/documents/collateral/fees-and-charges.pdf",
      "eligibility_url": "https://www.tmbank.com.au/banking/edvest-cash-management-account",
      "account_type": "cash_management",
      "segments": [
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      ],
      "segment": "personal",
      "description": "Exclusive to Edvest members, our higher interest rates make your money work harder for you.",
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          "Higher interest rate for balances $2,000 and over.",
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          },
          {
            "kind": "age",
            "who": "only members aged 50 or over can open it",
            "level": "product",
            "quote": "Be 50 years or older",
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            "citation": {
              "quote": "Be 50 years or older",
              "url": "https://www.tmbank.com.au/banking/edvest-cash-management-account#:~:text=Be%2050%20years%20or%20older",
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        "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…",
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      ],
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        "You must be a member. Membership is open to current or retired employees of the Australian education sector or 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/tmbank/cds-au/v1/banking/products/a56e102d-bffe-45c5-a31e-f389cb47d985",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/teachers-mutual-bank/a56e102d-bffe-45c5-a31e-f389cb47d985.json",
      "snapshot_at": "2026-11-12T02:33:44Z",
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      "ranked": true,
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      "terms_scan": {
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        "documents": [
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          "https://www.tmbank.com.au/content/dam/documents/collateral/conditions-of-use.pdf"
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    },
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      "product_name": "Essential Saver account",
      "product_label": "Essential Saver Account",
      "product_slug": "essential-saver-account",
      "page": "/au/finance/savings-accounts/accounts/teachers-mutual-bank/essential-saver-account/",
      "product_url": "https://www.tmbank.com.au/banking/essential-saver",
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          "hidden_by_default": true
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        {
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      ],
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