{
  "brand": "TMCU",
  "brand_label": "Transport Mutual Credit Union",
  "brand_slug": "tmcu",
  "legal_entity_abn": "78087650600",
  "public_base_uri": "https://banking.transportmutual.com.au/OpenBanking",
  "logo_uri": "https://banking.transportmutual.com.au/OpenBanking/logo.png",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-11T22:08:11Z",
  "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":3.0,"base_rate_pct":3.0,"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":"half_yearly","conditions":"k1","restrictions":["christmas_club"],"record_stale":false},
      {"segment":"personal","kind":"intro","rate_pct":3.0,"base_rate_pct":3.0,"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":"half_yearly","conditions":"k1","restrictions":["christmas_club"],"record_stale":false},
      {"segment":"personal","kind":"base","rate_pct":3.0,"base_rate_pct":3.0,"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":"half_yearly","conditions":"k1","restrictions":["christmas_club"],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "a Christmas club account: withdrawals are restricted for most of the year",
        "funds can only be withdrawn between 1 November and 31 January; withdrawing at any other time means closing the account, and it can only be reopened the following calendar year",
        "interest is credited on 31 October and 30 June only"
      ]
    },
    "unranked": {
      "products": 6,
      "transaction_account": 2,
      "offset_account": 4
    }
  },
  "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": "CHRISTMAS_CLUB_ACCOUNT",
      "product_name": "CHRISTMAS CLUB ACCOUNT",
      "product_label": "Christmas Club Account",
      "product_slug": "christmas-club-account",
      "page": "/au/finance/savings-accounts/accounts/tmcu/christmas-club-account/",
      "product_url": "https://www.transportmutual.com.au/banking/savings-accounts/christmas-club-account/",
      "rate_correction": null,
      "interest_paid_correction": {
        "quote": "Interest Income : Calculated daily and paid on 31 October and 30 June",
        "url": "https://www.transportmutual.com.au/banking/savings-accounts/christmas-club-account/",
        "checked": "2026-11-01",
        "citation": {
          "quote": "Interest Income : Calculated daily and paid on 31 October and 30 June",
          "url": "https://www.transportmutual.com.au/banking/savings-accounts/christmas-club-account/#:~:text=Interest%20Income%20%3A%20Calculated%20daily,31%20October%20and%2030%20June",
          "document_sha256": "033b520d975386ba312cfc50e2153f67ad4f0f1eb0ac73157ebfa142c2a0bc2c",
          "confirmed": "2026-11-13"
        }
      },
      "min_balance_correction": null,
      "terms_url": "https://www.transportmutual.com.au/banking/savings-accounts/christmas-club-account/",
      "fees_url": "https://www.transportmutual.com.au/banking/rates-fees/fees-and-charges/",
      "eligibility_url": null,
      "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": 3.0,
          "intro_pct": null,
          "base_pct": 3.0
        },
        "50000": {
          "ongoing_pct": 3.0,
          "intro_pct": null,
          "base_pct": 3.0
        },
        "250000": {
          "ongoing_pct": 3.0,
          "intro_pct": null,
          "base_pct": 3.0
        }
      },
      "rankings": [
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 69,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 50000,
          "rank": 71,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 250000,
          "rank": 73,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 10000,
          "rank": 70,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 50000,
          "rank": 72,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 250000,
          "rank": 74,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 10000,
          "rank": 38,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 50000,
          "rank": 40,
          "of": 79
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 250000,
          "rank": 43,
          "of": 79
        }
      ],
      "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": [
          "FUNDS AVAILABLE FROM 1ST NOV UNTIL 31ST JAN"
        ]
      },
      "feature_tags": [],
      "interest_paid": "half_yearly",
      "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": [
        "a Christmas club account: withdrawals are restricted for most of the year",
        "funds can only be withdrawn between 1 November and 31 January; withdrawing at any other time means closing the account, and it can only be reopened the following calendar year",
        "interest is credited on 31 October and 30 June only"
      ],
      "eligibility": [],
      "record_stale": false,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/CHRISTMAS_CLUB_ACCOUNT",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/tmcu/CHRISTMAS_CLUB_ACCOUNT.json",
      "snapshot_at": "2026-11-12T02:33:50Z",
      "bank_last_updated": "2026-11-12T09:07:10.000+11:00",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 1,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
          "https://www.transportmutual.com.au/banking/savings-accounts/christmas-club-account/",
          "https://www.transportmutual.com.au/support/rates-fees/interest-rates/",
          "https://www.transportmutual.com.au/support/rates-fees/fees-and-charges/",
          "https://www.transportmutual.com.au/media/2907/account-access-facility-conditions-of-use-2025.pdf"
        ]
      }
    },
    {
      "product_id": "KIDS_SAVER_ACCOUNT",
      "product_name": "KIDS SAVER ACCOUNT",
      "product_label": "Kids Saver Account",
      "product_slug": "kids-saver-account",
      "page": "/au/finance/savings-accounts/accounts/tmcu/kids-saver-account/",
      "product_url": "https://www.transportmutual.com.au/banking/savings-accounts/kids-saver-high-interest-account/",
      "rate_correction": null,
      "interest_paid_correction": {
        "quote": "Interest Income : Calculated daily and paid quarterly",
        "url": "https://www.transportmutual.com.au/banking/savings-accounts/kids-saver-high-interest-account/",
        "checked": "2026-11-01",
        "citation": {
          "quote": "Interest Income : Calculated daily and paid quarterly",
          "url": "https://www.transportmutual.com.au/banking/savings-accounts/kids-saver-high-interest-account/#:~:text=Interest%20Income%20%3A%20Calculated%20daily%20and%20paid%20quarterly",
          "document_sha256": "46e43e3abab73d2fe311dd19cada1e906b3f62f618837907dc9ebaeedb58f430",
          "confirmed": "2026-11-13"
        }
      },
      "min_balance_correction": null,
      "terms_url": "https://www.transportmutual.com.au/banking/savings-accounts/kids-saver-high-interest-account/",
      "fees_url": "https://www.transportmutual.com.au/banking/rates-fees/fees-and-charges/",
      "eligibility_url": null,
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "KIDS 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": 10000,
      "notice_days": null,
      "rates_at_reference_balances": {
        "10000": {
          "ongoing_pct": 3.5,
          "intro_pct": null,
          "base_pct": 3.5
        },
        "50000": null,
        "250000": null
      },
      "rankings": [
        {
          "segment": "personal",
          "kind": "ongoing",
          "balance": 10000,
          "rank": 79,
          "of": 91,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "intro",
          "balance": 10000,
          "rank": 80,
          "of": 91,
          "hidden_by_default": true
        },
        {
          "segment": "personal",
          "kind": "base",
          "balance": 10000,
          "rank": 49,
          "of": 91,
          "hidden_by_default": true
        }
      ],
      "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": "quarterly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [],
      "age_min": null,
      "age_max": 17,
      "restrictions": [
        "age_limited"
      ],
      "who_can_open": {
        "restricted": true,
        "groups": [
          {
            "kind": "age",
            "who": "age 17 and under",
            "level": "product",
            "quote": "MAX_AGE 17",
            "source": "feed: eligibility MAX_AGE"
          },
          {
            "kind": "age",
            "who": "for children up to 16 years old; accounts for children up to 12 are held by a parent in trust and from 12 to 16 in the child's name",
            "level": "product",
            "quote": "Kids Account available to children up to 16 years old.",
            "source": "https://www.transportmutual.com.au/media/2907/account-access-facility-conditions-of-use-2025.pdf",
            "citation": {
              "quote": "Kids Account available to children up to 16 years old.",
              "url": "https://www.transportmutual.com.au/media/2907/account-access-facility-conditions-of-use-2025.pdf#page=28",
              "page": 28,
              "document_sha256": "301e210566f160973eda46687545f1eaf2970cd4a40db33691b528199acba2e8",
              "confirmed": "2026-11-13"
            }
          }
        ],
        "open_note": null
      },
      "conditions": [
        "age 17 and under",
        "for children up to 16 years old; accounts for children up to 12 are held by a parent in trust and from 12 to 16 in the child's name",
        "interest is credited quarterly"
      ],
      "eligibility": [
        "age 17 and under"
      ],
      "record_stale": false,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/KIDS_SAVER_ACCOUNT",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/tmcu/KIDS_SAVER_ACCOUNT.json",
      "snapshot_at": "2026-11-12T02:33:50Z",
      "bank_last_updated": "2026-11-12T09:07:26.000+11:00",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 2,
      "terms_scan": {
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        "documents": [
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          "https://www.transportmutual.com.au/support/rates-fees/interest-rates/",
          "https://www.transportmutual.com.au/support/rates-fees/fees-and-charges/",
          "https://www.transportmutual.com.au/media/2907/account-access-facility-conditions-of-use-2025.pdf"
        ]
      }
    },
    {
      "product_id": "S8_PREMIUM_SAVERS_ACCOUNT",
      "product_name": "PREMIUM SAVERS ACCOUNT",
      "product_label": "Premium Savers Account",
      "product_slug": "premium-savers-account",
      "page": "/au/finance/savings-accounts/accounts/tmcu/premium-savers-account/",
      "product_url": "https://www.transportmutual.com.au/banking/savings-accounts/premium-savers-account/",
      "rate_correction": null,
      "interest_paid_correction": null,
      "min_balance_correction": null,
      "terms_url": "https://www.transportmutual.com.au/media/2907/account-access-facility-conditions-of-use-2025.pdf",
      "fees_url": "https://www.transportmutual.com.au/banking/rates-fees/fees-and-charges/",
      "eligibility_url": null,
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "PREMIUM SAVERS 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": 10000,
      "max_balance": null,
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      "rates_at_reference_balances": {
        "10000": {
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          "base_pct": 2.25
        },
        "50000": {
          "ongoing_pct": 2.25,
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        },
        "250000": {
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        }
      },
      "rankings": [],
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        "other": []
      },
      "feature_tags": [
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      ],
      "interest_paid": "monthly",
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        "groups": [],
        "open_note": null
      },
      "conditions": [
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      ],
      "eligibility": [],
      "record_stale": false,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/S8_PREMIUM_SAVERS_ACCOUNT",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/tmcu/S8_PREMIUM_SAVERS_ACCOUNT.json",
      "snapshot_at": "2026-11-12T02:33:50Z",
      "bank_last_updated": "2026-11-12T09:08:11.000+11:00",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 2,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
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          "https://www.transportmutual.com.au/support/rates-fees/interest-rates/",
          "https://www.transportmutual.com.au/support/rates-fees/fees-and-charges/",
          "https://www.transportmutual.com.au/media/2907/account-access-facility-conditions-of-use-2025.pdf"
        ]
      }
    },
    {
      "product_id": "S7_REDIFUND_ACCOUNT",
      "product_name": "REDIFUND ACCOUNT",
      "product_label": "Redifund Account",
      "product_slug": "redifund-account",
      "page": "/au/finance/savings-accounts/accounts/tmcu/redifund-account/",
      "product_url": "https://www.transportmutual.com.au/banking/savings-accounts/redifund-account/",
      "rate_correction": null,
      "interest_paid_correction": null,
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      "terms_url": "https://www.transportmutual.com.au/media/2907/account-access-facility-conditions-of-use-2025.pdf",
      "fees_url": "https://www.transportmutual.com.au/banking/rates-fees/fees-and-charges/",
      "eligibility_url": null,
      "account_type": "savings",
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "REDIFUND ACCOUNT",
      "bonus_is_total": null,
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      "intro_conditions": [],
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      "min_balance": 5000,
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      "rates_at_reference_balances": {
        "10000": {
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        },
        "50000": {
          "ongoing_pct": 1.2,
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          "base_pct": 1.2
        },
        "250000": {
          "ongoing_pct": 2.35,
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          "base_pct": 2.35
        }
      },
      "rankings": [],
      "features": {
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        "joint": null,
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        "other": []
      },
      "feature_tags": [
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      ],
      "interest_paid": "monthly",
      "interest_calculated": "daily",
      "monthly_fee": null,
      "monthly_fee_note": null,
      "fees_without_amount": [],
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      "restrictions": [],
      "who_can_open": {
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        "groups": [],
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      },
      "conditions": [
        "interest is credited quarterly",
        "deposited money can only be withdrawn after the first 7 days following each deposit"
      ],
      "eligibility": [],
      "record_stale": false,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/S7_REDIFUND_ACCOUNT",
      "source_snapshot": "/au/finance/savings-accounts/v1/source/tmcu/S7_REDIFUND_ACCOUNT.json",
      "snapshot_at": "2026-11-12T02:33:50Z",
      "bank_last_updated": "2026-11-12T09:07:45.000+11:00",
      "ranked": true,
      "unranked_reason": null,
      "row_count": 7,
      "terms_scan": {
        "scanned": "2026-11-01",
        "documents": [
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          "https://www.transportmutual.com.au/support/rates-fees/interest-rates/",
          "https://www.transportmutual.com.au/support/rates-fees/fees-and-charges/",
          "https://www.transportmutual.com.au/media/2907/account-access-facility-conditions-of-use-2025.pdf"
        ]
      }
    },
    {
      "product_id": "S50_BUSINESS_ACCOUNT",
      "product_name": "BUSINESS ACCOUNT",
      "product_label": "Business Account",
      "product_slug": "business-account",
      "page": "/au/finance/savings-accounts/accounts/tmcu/business-account/",
      "product_url": "https://www.transportmutual.com.au/banking/transaction-accounts/business-account/",
      "rate_correction": null,
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