{
  "snapshot_at": "2026-10-22T13:24:54Z",
  "brand": "Fire Service Credit Union",
  "brand_slug": "fire-service-credit-union",
  "product_id": "3",
  "cdr_url": "https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/3",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/3'",
  "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": "3",
    "effectiveFrom": "1999-01-06T13:30:00.0000000Z",
    "lastUpdated": "2026-10-15T06:00:32.5923780Z",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "S5 High Interest",
    "description": "Whether you're saving for a holiday or a speical event this account will help you meet your goals",
    "brand": "Fire Service Credit Union",
    "applicationUri": "https://www.fscu.com.au/accounts/savings-account/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.fscu.com.au/accounts/savings-account/",
      "termsUri": "https://www.fscu.com.au/accounts/savings-account/",
      "eligibilityUri": "https://www.fscu.com.au/why-us/membership/",
      "feesAndPricingUri": "https://www.fscu.com.au/rates/"
    },
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Do your banking online anytime, anywhere using our Internet Banking or Mobile Banking App!",
        "additionalInfoUri": "https://www.fscu.com.au/online-banking/"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "New Payment Platform (NPP)  Transact instantly with real-time payments.",
        "additionalInfoUri": "https://www.fscu.com.au/accounts/account-services/real-time-payments/"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "PayID - and easily remembered identifier such as email, mobile or ABN linked to your accout at FSCU.",
        "additionalInfoUri": "https://www.fscu.com.au/accounts/account-services/real-time-payments/"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS",
        "additionalInfo": "Available for all members"
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "Available for all members"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services.",
        "additionalInfoUri": "https://www.fscu.com.au/why-us/membership/"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian Residents only"
      }
    ],
    "fees": [
      {
        "name": "Branch Cash Withdrawals 1st Tier",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        },
        "currency": "AUD",
        "additionalInfo": "$2,000 - $14,999"
      },
      {
        "name": "Branch Cash Withdrawals 2nd Tier",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "$15,000 and over"
      },
      {
        "name": "High Return Withdrawal Fee",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "Payable per transaction, after the first, when your S5 savings account is debited more than once per calendar month."
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.035",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M"
      }
    ]
  }
}