{
  "snapshot_at": "2026-11-12T02:32:50Z",
  "brand": "Firefighters Mutual Bank",
  "brand_slug": "firefighters-mutual-bank",
  "product_id": "1117eb64-3f4e-415a-8ed5-904d15457a68",
  "cdr_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/1117eb64-3f4e-415a-8ed5-904d15457a68",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/1117eb64-3f4e-415a-8ed5-904d15457a68'",
  "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": "1117eb64-3f4e-415a-8ed5-904d15457a68",
    "lastUpdated": "2026-11-12T07:31:01.000+11:00",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "Essential Saver account",
    "description": "An interest bearing online savings account with a tiered interest rate structure",
    "brand": "FMB",
    "brandName": "Firefighters Mutual Bank",
    "applicationUri": "https://www.fmbank.com.au/banking/essential-saver",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.fmbank.com.au/banking/essential-saver",
      "termsUri": "https://www.fmbank.com.au/content/dam/documents/collateral/conditions-of-use.pdf",
      "eligibilityUri": "https://www.fmbank.com.au/banking/essential-saver",
      "feesAndPricingUri": "https://www.fmbank.com.au/content/dam/documents/collateral/fees-and-charges.pdf"
    },
    "features": [
      {
        "featureType": "UNLIMITED_TXNS"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "NPP_PAYID"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Track payments with SMS and email alerts."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No fees for accessing your account online or via phone banking."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No monthly access fee."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No minimum balance."
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.",
        "additionalInfoUri": "https://www.fmbank.com.au/banking/essential-saver"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Individuals must be citizens or permanent residents of Australia."
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.055",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Essential Saver account_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "250000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.055",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Essential Saver account_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "250000.01",
            "maximumValue": "500000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.055",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Essential Saver account_Tier_3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "500000.01",
            "maximumValue": "1000000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.035",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Essential Saver account_Tier_4",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1000000.01",
            "maximumValue": "5000000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.035",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Essential Saver account_Tier_5",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "5000000.01",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      }
    ]
  }
}