{
  "snapshot_at": "2026-10-31T23:12:39Z",
  "brand": "Central West CUL",
  "brand_slug": "central-west-cul",
  "product_id": "Community_Proud",
  "cdr_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/Community_Proud",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/Community_Proud'",
  "note": "Verbatim `data` object of the bank's CDR product detail response, as fetched. The live endpoint needs the x-v header shown in how_to_fetch and will not open in a browser.",
  "data": {
    "features": [
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "No monthly fee"
      },
      {
        "featureType": "UNLIMITED_TXNS"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfoUri": "https://www.cwcu.com.au/other-services/cards-and-ways-to-bank/redinet-online-banking"
      },
      {
        "featureType": "FREE_TXNS",
        "additionalValue": "3",
        "additionalInfo": "3 free Bank@Post transaction per month"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple, Samsung & Google Pay"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfoUri": "https://www.cwcu.com.au/cwcu/media/Documents/Summary-of-Accounts-Availability-of-Access-December-20.pdf"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Not for Profit Organisations and Community Groups"
      }
    ],
    "fees": [
      {
        "name": "PAPER_STATEMENT_FEE",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "currency": "AUD",
        "additionalValue": "Charged when a paper statement is produced",
        "discounts": [
          {
            "description": "Under 16 years of age",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "2.50"
            }
          }
        ]
      },
      {
        "name": "DORMANT_ACCOUNT_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged after 2 years of inactivity"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "S5 Community Proud Account_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "199.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.013",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "S5 Community Proud Account_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "200.00",
            "maximumValue": "19999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.015",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "S5 Community Proud Account_Tier_3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "maximumValue": "49999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.022",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "S5 Community Proud Account_Tier_4",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "Community_Proud",
    "effectiveFrom": "2021-03-01T00:00:00.000+11:00",
    "lastUpdated": "2026-11-01T08:35:01.000+11:00",
    "name": "S5 Community Proud Account",
    "description": "We support our community organisations year-round through the Community Proud Savings Account - an account designed to make it easier for them to manage their finances.",
    "brand": "CENTRAL WEST CREDIT UNION LTD",
    "brandName": "CENTRAL WEST CREDIT UNION LTD",
    "applicationUri": "https://www.cwcu.com.au/savings/community-proud",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.cwcu.com.au/savings/community-proud",
      "termsUri": "https://www.cwcu.com.au/disclosure-documents/conditions-of-use",
      "eligibilityUri": "https://www.cwcu.com.au/disclosure-documents/conditions-of-use",
      "feesAndPricingUri": "https://www.cwcu.com.au/disclosure-documents/fees-and-charges",
      "bundleUri": "https://www.cwcu.com.au/savings/other-savings-accounts"
    }
  }
}