{
  "snapshot_at": "2026-11-12T02:32:40Z",
  "brand": "Credit Union SA",
  "brand_slug": "credit-union-sa",
  "product_id": "CREDITUNIONSA_SAV_134",
  "cdr_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_SAV_134",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_SAV_134'",
  "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_134",
    "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": "Children's Savings Account",
    "description": "Our Children’s savings account is for anyone under the age of 18 wanting an account to save or spend. The account rewards good savings behaviours and pays bonus interest if no withdrawals are made and if a deposit is made each month.The account pays interest on up to $50,000 and any amount above this will not earn interest.",
    "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/childrens-savings-account/",
      "termsUri": "https://www.creditunionsa.com.au/globalassets/pdfs/brc_1095.pdf",
      "eligibilityUri": "https://www.creditunionsa.com.au/accounts/savings-accounts-and-term-deposits/childrens-savings-account/",
      "feesAndPricingUri": "https://www.creditunionsa.com.au/fees/accounts/",
      "additionalOverviewUris": [],
      "additionalTermsUris": [],
      "additionalEligibilityUris": [],
      "additionalFeesAndPricingUris": [],
      "additionalBundleUris": []
    },
    "cardArt": [
      {
        "cardScheme": "VISA",
        "cardType": "DEBIT",
        "title": "Visa Debit Card",
        "imageUri": "https://cms.creditunionsa.com.au/assets/images/New-Visa.png"
      }
    ],
    "bundles": [],
    "features": [
      {
        "featureType": "CARD_ACCESS",
        "additionalValue": "Visa Debit Card",
        "additionalInfoUri": "https://www.creditunionsa.com.au/accounts/savings-accounts-and-term-deposits/childrens-savings-account/"
      },
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalValue": "Null",
        "additionalInfoUri": "https://www.creditunionsa.com.au/accounts/savings-accounts-and-term-deposits/childrens-savings-account/"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfoUri": "https://www.creditunionsa.com.au/accounts/savings-accounts-and-term-deposits/childrens-savings-account/"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfoUri": "https://www.creditunionsa.com.au/tools/digital-wallet/"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfoUri": "https://www.creditunionsa.com.au/tools/digital-wallet/"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Garmin Pay",
        "additionalInfoUri": "https://www.creditunionsa.com.au/tools/digital-wallet/"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Samsung Pay",
        "additionalInfoUri": "https://www.creditunionsa.com.au/tools/digital-wallet/"
      },
      {
        "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": "Lock, block and control your card",
        "additionalInfoUri": "https://www.creditunionsa.com.au/community/news/2019/lock-block-and-control-your-card/"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Business Banking can be attached to the product",
        "additionalInfoUri": "https://www.creditunionsa.com.au/accounts/transaction-accounts/business-banking"
      }
    ],
    "constraints": [],
    "eligibility": [
      {
        "eligibilityType": "MAX_AGE",
        "additionalValue": "17",
        "additionalInfoUri": "https://www.creditunionsa.com.au/accounts/savings-accounts-and-term-deposits/childrens-savings-account/"
      }
    ],
    "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 when you perform a transaction in a currency other than Australian dollars using a Visa card. This fee is included in the AUD amount debited to your account and comprises 2.00% charged by third parties and 1.00% charged by Credit Union SA",
        "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",
        "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": "15.00"
        },
        "discounts": []
      },
      {
        "name": "Currency Conversion",
        "feeType": "EVENT",
        "currency": "AUD",
        "additionalValue": "Visa Currency Conversion",
        "additionalInfoUri": "https://www.creditunionsa.com.au/fees/accounts/",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.03",
          "amountRange": {
            "feeMinimum": "0.01",
            "feeMaximum": "9999999.99"
          }
        },
        "discounts": []
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0005",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [],
        "additionalInfoUri": "https://www.creditunionsa.com.au/rates/savings-and-transaction-accounts/"
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.048",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [],
        "additionalValue": "Bonus interest applies each month you make a deposit (of any amount) and no withdrawals. The portion of any balance above $50,000 will not receive bonus interest.",
        "additionalInfoUri": "https://www.creditunionsa.com.au/rates/savings-and-transaction-accounts/"
      }
    ],
    "lendingRates": []
  }
}