{
  "snapshot_at": "2026-11-12T02:32:40Z",
  "brand": "Credit Union SA",
  "brand_slug": "credit-union-sa",
  "product_id": "CREDITUNIONSA_SAV_109",
  "cdr_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_SAV_109",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_SAV_109'",
  "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": {
    "productId": "CREDITUNIONSA_SAV_109",
    "effectiveFrom": "2015-06-01T00:00:00.000+10:00",
    "effectiveTo": "2099-06-01T00:00:00.000+10:00",
    "lastUpdated": "2026-11-12T00:00:00.000+11:00",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Bonus Savings Account",
    "description": "Earn a great bonus rate each month if you make a deposit of any amount and no withdrawals with our Bonus Savings Account. It doesn’t matter if you deposit $1 or $1,000 each month, either way you can earn bonus interest. Best of all, there’s no maximum or minimum balance requirements, so you can have as much or as little as you like sitting in your account.",
    "brand": "Credit Union SA",
    "applicationUri": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.creditunionsa.com.au/accounts/savings-accounts-and-term-deposits/bonus-savings/",
      "termsUri": "https://www.creditunionsa.com.au/globalassets/pdfs/brc_1095.pdf",
      "eligibilityUri": "https://www.creditunionsa.com.au/accounts/savings-accounts-and-term-deposits/bonus-savings/",
      "feesAndPricingUri": "https://www.creditunionsa.com.au/fees/accounts/",
      "additionalOverviewUris": [],
      "additionalTermsUris": [],
      "additionalEligibilityUris": [],
      "additionalFeesAndPricingUris": [],
      "additionalBundleUris": []
    },
    "cardArt": [],
    "bundles": [],
    "features": [
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Debit Card",
        "additionalInfoUri": "https://www.creditunionsa.com.au/accounts/savings-accounts-and-term-deposits/bonus-savings/"
      },
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalValue": "Null",
        "additionalInfoUri": "https://www.creditunionsa.com.au/accounts/savings-accounts-and-term-deposits/bonus-savings/"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfoUri": "https://www.creditunionsa.com.au/accounts/savings-accounts-and-term-deposits/bonus-savings/"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfoUri": "https://www.creditunionsa.com.au/digital-banking/"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfoUri": "https://www.creditunionsa.com.au/digital-banking/real-time-payments/payid"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfoUri": "https://www.creditunionsa.com.au/digital-banking/real-time-payments/payid"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "Bpay",
        "additionalInfoUri": "https://www.creditunionsa.com.au/globalassets/pdfs/brc_1095.pdf"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "SMS alerts available for specified events/transactions, at regular intervals of one-off.",
        "additionalInfoUri": "https://www.creditunionsa.com.au/globalassets/pdfs/brc_1095.pdf"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Round-ups (destination account)",
        "additionalInfoUri": "https://www.creditunionsa.com.au/globalassets/pdfs/brc_1095.pdf"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Business Banking can be attached to the product",
        "additionalInfoUri": "https://www.creditunionsa.com.au/accounts/transaction-accounts/business-banking"
      }
    ],
    "constraints": [],
    "eligibility": [],
    "fees": [
      {
        "name": "Deposit Periodic",
        "feeType": "PERIODIC",
        "currency": "AUD",
        "additionalValue": "No monthly or annual fees",
        "additionalInfo": "Where permitted by the account terms and conditions, you can perform unlimited transactions of the following types and we will not charge you a transaction fee: ATM enquiry, ATM transfer, ATM withdrawal, Bank@Post deposit, Bank@Post withdrawal, BPAY payment, branch deposit, branch transfer, branch withdrawal, corporate cheque, direct credit, direct debit, EFTPOS cash withdrawal, EFTPOS purchase, internet banking transfer, overseas ATM enquiry, overseas ATM withdrawal, Member Contact Centre transfer or payment, mobile banking transfer, periodical payment, phone banking transfer, Visa debit cash advance, Visa debit purchase. Not all transaction types are permitted on all accounts.",
        "additionalInfoUri": "https://www.creditunionsa.com.au/fees/accounts/",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "discounts": []
      },
      {
        "name": "Transaction",
        "feeType": "TRANSACTION",
        "currency": "AUD",
        "additionalValue": "No transaction or withdrawal fees",
        "additionalInfo": "Payable whenever we send you a letter because you do not make a repayment in full on or before the due date and the default continues for 3 days or more.",
        "additionalInfoUri": "https://www.creditunionsa.com.au/fees/accounts/",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "discounts": []
      },
      {
        "name": "Arrears",
        "feeType": "EVENT",
        "currency": "AUD",
        "additionalValue": "Arrears administration fee",
        "additionalInfoUri": "https://www.creditunionsa.com.au/fees/accounts/",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "discounts": []
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [],
        "additionalInfoUri": "https://www.creditunionsa.com.au/rates/savings-and-transaction-accounts/"
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.0399",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [],
        "additionalValue": "Bonus interest applies each month you make a deposit (of any amount) and no withdrawals.",
        "additionalInfoUri": "https://www.creditunionsa.com.au/rates/savings-and-transaction-accounts/"
      }
    ],
    "lendingRates": []
  }
}