{
  "snapshot_at": "2026-11-13T01:41:31Z",
  "brand": "Darling Downs Bank",
  "brand_slug": "darling-downs-bank",
  "product_id": "S7",
  "cdr_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/S7",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/S7'",
  "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": "OTHER",
        "additionalInfo": "Passbook Access"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalInfo": "Visa Debit Card"
      },
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalInfo": "Additional Visa Debit Cards Available"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Unlimited Branch Transactions"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalInfo": "Apple Pay and Google Pay enabled"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Internet Banking & WCU Connect App"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Osko PayID supported"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "Osko PayID or BSB and Account Number supported"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": "Individuals must be citizens or permanent residents of Australia."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Must be a member of the Credit Union"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.004",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "PASSBOOK ACCOUNT_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "4999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.007",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "PASSBOOK ACCOUNT_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "5000.00",
            "maximumValue": "19999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.009",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "PASSBOOK ACCOUNT_Tier_3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "20000.00",
            "maximumValue": "49999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0095",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "PASSBOOK ACCOUNT_Tier_4",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.00",
            "maximumValue": "99999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.014",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "PASSBOOK ACCOUNT_Tier_5",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "100000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "S7",
    "lastUpdated": "2026-11-13T09:59:49.000+10:00",
    "name": "PASSBOOK ACCOUNT",
    "description": "PASSBOOK ACCOUNT",
    "brand": "WARWICK CREDIT UNION",
    "brandName": "WARWICK CREDIT UNION",
    "isTailored": false,
    "additionalInformation": {}
  }
}