{
  "snapshot_at": "2026-10-22T13:24:44Z",
  "brand": "CommFCU",
  "brand_slug": "commfcu",
  "product_id": "S25-CS",
  "cdr_url": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/S25-CS",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/S25-CS'",
  "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": "DIGITAL_BANKING"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Some services only available during withdrawal period. Fees apply for withdrawals outside of this period"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "NATURAL_PERSON"
      }
    ],
    "fees": [
      {
        "name": "STAFF_ASSISTED_TRANSFER",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "EARLY_WITHDRAWAL_FEE",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "Applicable only on the Christmas Saver and Santa Saver accounts",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "DORMANCY_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "Applicable on all savings accounts",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "OVERDRAWN_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged last day monthly",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "DISHONOUR_-_DIRECT_DEBIT",
        "feeType": "DISHONOUR",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged on the day of the dishonour",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "DISHONOUR_-_PERIODICAL_PAYMENT",
        "feeType": "DISHONOUR",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged on the day of the dishonour",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "ACCOUNT_COMBINATION_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "FORCED_PAYMENT",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged on the day",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "EFT_INVESTIGATION_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        },
        "currency": "AUD",
        "additionalInfo": "Includes NPP Payments, incorrect amount transferred; alleged unauthorised transactions; request to recall funds",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "COPY_OF_STATEMENT_(ALREADY_ISSUED)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.50"
        },
        "currency": "AUD",
        "additionalInfo": "Charged per page. For statements issued prior to January 1997 the fee is $3 per page.",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "DRAFTS",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "17.50"
        },
        "currency": "AUD",
        "additionalInfo": "Charged on the day of the transaction",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "OVERSEAS_TELEGRAPHIC_TRANSFER_(TT)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "OVERSEAS_TELEGRAPHIC_TRANSFER",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      },
      {
        "name": "TRAVELEX_SERVICES",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged at cost",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.051",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1Y",
        "tiers": [
          {
            "name": "Santa Saver_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "30000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfo": "Interest payable on balances up to $30,000",
        "additionalInfoUri": "https://communityfirst.com.au/products/christmas-saver-account"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1Y",
        "tiers": [
          {
            "name": "Santa Saver_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "30000.01",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfo": "Interest payable on balances up to $30,000",
        "additionalInfoUri": "https://communityfirst.com.au/products/christmas-saver-account"
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "S25-CS",
    "effectiveFrom": "2026-10-16T00:00:00.000+11:00",
    "lastUpdated": "2026-10-16T17:03:51.000+11:00",
    "name": "Santa Saver",
    "description": "A savings account that helps you save for Christmas throughout the year and stops you dipping in to your savings by only allowing access to funds between 1 November and 31 January each year.",
    "brand": "C",
    "brandName": "Community First Credit Union",
    "applicationUri": "https://forms.communityfirst.com.au/communityfirst/form/CommunityFIrstBankAccountApplication/formperma/D6ZiLR6UD0OEEM_ri2MCzzM_Qbc0tjd22AsdodRAozA?Advertising=Productpages",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://communityfirst.com.au/products/christmas-saver-account",
      "termsUri": "https://communityfirst.com.au/support/important-information/disclosure-documents",
      "eligibilityUri": "https://communityfirst.com.au/products/christmas-saver-account",
      "feesAndPricingUri": "https://communityfirst.com.au/tools/rates-and-fees"
    }
  }
}