{ "snapshot_at": "2026-10-22T13:24:54Z", "brand": "Fire Service Credit Union", "brand_slug": "fire-service-credit-union", "product_id": "9", "cdr_url": "https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/9", "x_v": 7, "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/9'", "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": "9", "effectiveFrom": "2000-02-04T13:30:00.0000000Z", "lastUpdated": "2026-10-15T06:00:32.5923780Z", "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS", "name": "S20 Retiree Access", "description": "A transaction account designed for retired members offering competitive interest rates.", "brand": "Fire Service Credit Union", "applicationUri": "https://www.fscu.com.au/accounts/transaction-accounts/", "isTailored": false, "additionalInformation": { "overviewUri": "https://www.fscu.com.au/accounts/transaction-accounts/", "termsUri": "https://www.fscu.com.au/accounts/transaction-accounts/", "eligibilityUri": "https://www.fscu.com.au/why-us/membership/", "feesAndPricingUri": "https://www.fscu.com.au/rates/" }, "features": [ { "featureType": "BILL_PAYMENT", "additionalInfo": "Pay your bills from the comfort of your home.", "additionalInfoUri": "https://www.fscu.com.au/guides/bpay/" }, { "featureType": "CARD_ACCESS", "additionalValue": "Visa Debit Card", "additionalInfo": "A Visa Debit card gives you access to your money in branch, at an ATM, in stores and online.", "additionalInfoUri": "https://www.fscu.com.au/cards/visa-debit-card/" }, { "featureType": "DIGITAL_BANKING", "additionalInfo": "Do your banking online 24/7 using our Internet Banking or Mobile Banking App.", "additionalInfoUri": "https://www.fscu.com.au/online-banking/" }, { "featureType": "DIGITAL_WALLET", "additionalValue": "Mobile Wallet", "additionalInfo": "Load your FSCU Visa Debit card to your mobile device to make fast and easy transactions.", "additionalInfoUri": "https://www.fscu.com.au/cards/digital-wallet/" }, { "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/" }, { "featureType": "UNLIMITED_TXNS", "additionalInfo": "No account keeping fees, no monthly fees.", "additionalInfoUri": "https://www.fscu.com.au/rates/" } ], "eligibility": [ { "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": "PENSION_RECIPIENT", "additionalValue": "All pesnions qualifiy which include Governement and superannuation", "additionalInfo": "For retired members in receipt of retirement income" }, { "eligibilityType": "RESIDENCY_STATUS", "additionalValue": "Australian Residents only" } ], "fees": [ { "name": "Document Search Fee", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "5.00" }, "currency": "AUD", "additionalInfo": "Payable when we have to search for documents or information in storage." }, { "name": "Visa Debit Card Replacement Fee", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "20.00" }, "currency": "AUD", "additionalInfo": "We replace a lost or damaged Visa Debit card" }, { "name": "Dormant Account Fee", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "20.00" }, "currency": "AUD", "additionalInfo": "Payable whenever there has been no transaction other than interest on your membership for a period of 12 months" }, { "name": "Staff Assisted External Transfer", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "2.00" }, "currency": "AUD", "additionalInfo": "Staff assisted transfers, per transaction" }, { "name": "Replacement Statement Fee", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "2.00" }, "currency": "AUD", "additionalInfo": "Payable when you request a copy of a statement that has already been issued" }, { "name": "Visa Charge Back Fee", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "30.00" }, "currency": "AUD", "additionalInfo": "We charge back a merchant for a Visa Transaction, on your behalf.\r\nA Visa Chargeback is represented and, at your request, the associated dispute is escalated for Visa Arbitration and/or compliace review." }, { "name": "Second Visa Debit Card", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "50.00" }, "currency": "AUD", "additionalInfo": "A second card is ordered on a membership" }, { "name": "Corporate Cheque Withdrawal Fee", "feeType": "TRANSACTION", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "10.00" }, "currency": "AUD", "additionalInfo": "Corporate Cheque withdrawal, per cheque" }, { "name": "Periodical Payment Fee", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "5.00" }, "currency": "AUD", "additionalInfo": "There are insufficient funds in your account, on four successive days, to make a requested payment.\r\nThere are insufficient funds for any future dated BPAY payments." }, { "name": "Corporate Cheque Stop Payment Fee", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "20.00" }, "currency": "AUD", "additionalInfo": "Corporate Cheque Stop Payment fee" }, { "name": "Direct Debit Dishonour Fee", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "10.00" }, "currency": "AUD", "additionalInfo": "Payable whenever we dishonour a direct debit on your account due to insufficient funds." }, { "name": "Direct Debit Honour Fee", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "5.00" }, "currency": "AUD", "additionalInfo": "Payable when we honour a direct debit on your account despite insufficient funds" }, { "name": "Replacement PIN Fee", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "5.00" }, "currency": "AUD", "additionalInfo": "We reorder and post a PIN to replace a forgotten PIN." }, { "name": "Manual 'Other Bank' Deposits", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "10.00" }, "currency": "AUD", "additionalInfo": "Payable whenever a deposit is processed manually through another Financial Institution" }, { "name": "Payment Corrections", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "30.00" }, "currency": "AUD", "additionalInfo": "Payable per manual DE Trace, BPAY enquiry, BPAY error correction or Mistaken Internet Payment" }, { "name": "Overdrawn Account fee", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "10.00" }, "currency": "AUD", "additionalInfo": "Payable whenever we send you a notice because your savings account is overdrawn with no pre-approved limit or your overdraft is over the approved limit" }, { "name": "Real Time Gross Settlement Outward Payment", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "30.00" }, "currency": "AUD" }, { "name": "Real Time Gross Settlement Inward Payment", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "15.00" }, "currency": "AUD" } ], "depositRates": [ { "depositRateType": "VARIABLE", "rate": "0.0135", "calculationFrequency": "P1M", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "Floating", "unitOfMeasure": "DOLLAR", "minimumValue": "0.00", "maximumValue": "4999.00", "rateApplicationMethod": "WHOLE_BALANCE" } ] }, { "depositRateType": "VARIABLE", "rate": "0.0185", "calculationFrequency": "P1M", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "Tier 2", "unitOfMeasure": "DOLLAR", "minimumValue": "5000.00", "maximumValue": "49999.00", "rateApplicationMethod": "WHOLE_BALANCE" } ] }, { "depositRateType": "VARIABLE", "rate": "0.025", "calculationFrequency": "P1M", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "tiers": [ { "name": "Tier 3", "unitOfMeasure": "DOLLAR", "minimumValue": "50000.00", "rateApplicationMethod": "WHOLE_BALANCE" } ] } ] } }