{
  "snapshot_at": "2026-11-13T01:41:31Z",
  "brand": "Darling Downs Bank",
  "brand_slug": "darling-downs-bank",
  "product_id": "S9",
  "cdr_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/S9",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/S9'",
  "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": "UNLIMITED_TXNS",
        "additionalInfo": "Unlimited Deposits Only"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Internet Banking and WCU Connect App Deposits Only"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Withdrawals permitted from 1 November - 31 December each year"
      }
    ],
    "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"
      }
    ],
    "fees": [
      {
        "name": "MEMBERSHIP_FEE",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "Charged when becoming a customer of WCU"
      },
      {
        "name": "PHONE_ASSISTED_TRANSFERS",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.50"
        },
        "currency": "AUD",
        "additionalInfo": "Only charged when staff assistance is required to transfer funds over the phone"
      },
      {
        "name": "STATEMENT_FEE",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "currency": "AUD",
        "additionalInfo": "When paper statements are requested - charged on statement cycle"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0135",
        "calculationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P12M"
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "S9",
    "lastUpdated": "2026-11-13T10:01:45.000+10:00",
    "name": "CHRISTMAS CLUB",
    "description": "CHRISTMAS CLUB",
    "brand": "WARWICK CREDIT UNION",
    "brandName": "WARWICK CREDIT UNION",
    "isTailored": false,
    "additionalInformation": {}
  }
}