{
  "snapshot_at": "2026-11-10T05:23:16Z",
  "brand": "CommFCU",
  "brand_slug": "commfcu",
  "product_id": "S29-GS",
  "cdr_url": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/S29-GS",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/S29-GS'",
  "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",
        "additionalInfo": "Access your account via Internet Banking or Community First's Mobile App."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Credits allowed into the account"
      }
    ],
    "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": "INACTIVE_FEE",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "currency": "AUD",
        "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": "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": "RETRIEVING_CASHIERING_VOUCHERS_OR_ANY_OTHER_DOCUMENT",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged per item",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0005",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Goal Saver_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "7000000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "OTHER",
            "additionalValue": "n/a",
            "additionalInfo": "To be eligible for Bonus Interest, the account balance must be zero or in credit.",
            "additionalInfoUri": "https://communityfirst.com.au/products/goal-saver/"
          },
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "50.00",
            "additionalInfo": "A minimum deposit of $50 must be made each month to be eligible for bonus interest.",
            "additionalInfoUri": "https://communityfirst.com.au/products/goal-saver/"
          },
          {
            "rateApplicabilityType": "MAX_WITHDRAWALS",
            "additionalValue": "0",
            "additionalInfo": "To be eligible for Bonus Interest, no withdrawals can be made on the account in that month",
            "additionalInfoUri": "https://communityfirst.com.au/products/goal-saver/"
          }
        ],
        "additionalInfoUri": "https://communityfirst.com.au/products/goal-saver"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Goal Saver_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "7000000.01",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "OTHER",
            "additionalValue": "n/a",
            "additionalInfo": "To be eligible for Bonus Interest, the account balance must be zero or in credit.",
            "additionalInfoUri": "https://communityfirst.com.au/products/goal-saver/"
          },
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "50.00",
            "additionalInfo": "A minimum deposit of $50 must be made each month to be eligible for bonus interest.",
            "additionalInfoUri": "https://communityfirst.com.au/products/goal-saver/"
          },
          {
            "rateApplicabilityType": "MAX_WITHDRAWALS",
            "additionalValue": "0",
            "additionalInfo": "To be eligible for Bonus Interest, no withdrawals can be made on the account in that month",
            "additionalInfoUri": "https://communityfirst.com.au/products/goal-saver/"
          }
        ],
        "additionalInfoUri": "https://communityfirst.com.au/products/goal-saver"
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.0455",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Goal Saver_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "7000000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "OTHER",
            "additionalValue": "n/a",
            "additionalInfo": "To be eligible for Bonus Interest, the account balance must be zero or in credit.",
            "additionalInfoUri": "https://communityfirst.com.au/products/goal-saver/"
          },
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "50.00",
            "additionalInfo": "A minimum deposit of $50 must be made each month to be eligible for bonus interest.",
            "additionalInfoUri": "https://communityfirst.com.au/products/goal-saver/"
          },
          {
            "rateApplicabilityType": "MAX_WITHDRAWALS",
            "additionalValue": "0",
            "additionalInfo": "To be eligible for Bonus Interest, no withdrawals can be made on the account in that month",
            "additionalInfoUri": "https://communityfirst.com.au/products/goal-saver/"
          }
        ],
        "additionalValue": "0.00",
        "additionalInfoUri": "https://communityfirst.com.au/products/goal-saver"
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Goal Saver_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "7000000.01",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "OTHER",
            "additionalValue": "n/a",
            "additionalInfo": "To be eligible for Bonus Interest, the account balance must be zero or in credit.",
            "additionalInfoUri": "https://communityfirst.com.au/products/goal-saver/"
          },
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "50.00",
            "additionalInfo": "A minimum deposit of $50 must be made each month to be eligible for bonus interest.",
            "additionalInfoUri": "https://communityfirst.com.au/products/goal-saver/"
          },
          {
            "rateApplicabilityType": "MAX_WITHDRAWALS",
            "additionalValue": "0",
            "additionalInfo": "To be eligible for Bonus Interest, no withdrawals can be made on the account in that month",
            "additionalInfoUri": "https://communityfirst.com.au/products/goal-saver/"
          }
        ],
        "additionalValue": "0.00",
        "additionalInfoUri": "https://communityfirst.com.au/products/goal-saver"
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "S29-GS",
    "effectiveFrom": "2026-11-01T00:00:00.000+11:00",
    "lastUpdated": "2026-11-10T14:19:58.000+11:00",
    "name": "Goal Saver",
    "description": "A savings account that earns you bonus interest when you make at least one deposit of $50 each month, maintain a credit balance and make no withdrawals.",
    "brand": "C",
    "brandName": "Community First Credit Union",
    "applicationUri": "https://communityfirst.com.au/products/goal-saver",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://communityfirst.com.au/products/goal-saver",
      "termsUri": "https://communityfirst.com.au/support/important-information/disclosure-documents",
      "eligibilityUri": "https://communityfirst.com.au/products/goal-saver",
      "feesAndPricingUri": "https://communityfirst.com.au/tools/rates-and-fees"
    }
  }
}