{
  "snapshot_at": "2026-10-31T23:12:39Z",
  "brand": "Central West CUL",
  "brand_slug": "central-west-cul",
  "product_id": "Investment_Savings",
  "cdr_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/Investment_Savings",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/Investment_Savings'",
  "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": {
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1D",
        "tiers": [
          {
            "name": "INVESTMENT SAVINGS_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "199.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.013",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1D",
        "tiers": [
          {
            "name": "INVESTMENT SAVINGS_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "200.00",
            "maximumValue": "19999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.015",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1D",
        "tiers": [
          {
            "name": "INVESTMENT SAVINGS_Tier_3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "maximumValue": "49999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.021",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1D",
        "tiers": [
          {
            "name": "INVESTMENT SAVINGS_Tier_4",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER"
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "Investment_Savings",
    "lastUpdated": "2026-11-01T08:35:35.000+11:00",
    "name": "INVESTMENT SAVINGS",
    "description": "INVESTMENT SAVINGS",
    "brand": "CENTRAL WEST CREDIT UNION LTD",
    "brandName": "CENTRAL WEST CREDIT UNION LTD",
    "applicationUri": "https://www.cwcu.com.au/savings/investment-savings-account",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.cwcu.com.au/savings/investment-savings-account",
      "termsUri": "https://www.cwcu.com.au/savings/investment-savings-account",
      "eligibilityUri": "https://www.cwcu.com.au/savings/investment-savings-account",
      "feesAndPricingUri": "https://www.cwcu.com.au/savings/investment-savings-account",
      "bundleUri": "https://www.cwcu.com.au/savings/investment-savings-account"
    }
  }
}