{
  "snapshot_at": "2026-11-05T03:31:29Z",
  "brand": "gmcu",
  "brand_slug": "gmcu",
  "product_id": "Advantage_Saver",
  "cdr_url": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Advantage_Saver",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Advantage_Saver'",
  "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": "BILL_PAYMENT"
      },
      {
        "featureType": "BONUS_REWARDS",
        "additionalValue": "Additional interest rate in months when a deposit of $20.00 and no withdrawals are made",
        "additionalInfo": "Additional interest rate in months when a deposit of $20.00 and no withdrawals are made"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "NPP_PAYID"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Electronic withdrawals"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "NATURAL_PERSON"
      }
    ],
    "fees": [
      {
        "name": "CHEQUES_YOU_DEPOSIT",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.20"
        },
        "currency": "AUD",
        "additionalInfo": "Fee for every cheque you deposit to your account",
        "additionalInfoUri": "https://www.gmcu.com.au/pds"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Advantage Saver_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "1.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://www.gmcu.com.au/help/interest-rates/deposit-rates/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Advantage Saver_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1.01",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://www.gmcu.com.au/help/interest-rates/deposit-rates/"
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.0479",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Advantage Saver_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "1.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://www.gmcu.com.au/help/interest-rates/deposit-rates/"
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.0479",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "Advantage Saver_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1.01",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://www.gmcu.com.au/help/interest-rates/deposit-rates/"
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "Advantage_Saver",
    "lastUpdated": "2026-11-01T15:44:26.000+11:00",
    "name": "Advantage Saver",
    "description": "Advantage Saver account is a savings account for those dedicated to a regular savings plan. A bonus rate is available in months where there are no withdrawals and a deposit of at least $20.",
    "brand": "Goulburn Murray Credit Union Co-Operative Ltd",
    "brandName": "Goulburn Murray Credit Union Co-Operative Ltd",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.gmcu.com.au/banking/savings-accounts/view-all-savings-accounts",
      "termsUri": "https://www.gmcu.com.au/pds",
      "eligibilityUri": "https://www.gmcu.com.au/pds",
      "feesAndPricingUri": "https://www.gmcu.com.au/pds"
    }
  }
}