{
  "snapshot_at": "2026-10-29T23:52:19Z",
  "brand": "gmcu",
  "brand_slug": "gmcu",
  "product_id": "Christmas_Saver",
  "cdr_url": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Christmas_Saver",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Christmas_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": "BONUS_REWARDS",
        "additionalValue": "An interest rate higher than a transacting account applies"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "BILL_PAYMENT"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "NPP_PAYID"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Branch withdrawals are free from 15 November to 31 December."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Funds will be disbursed by 15 November annually."
      }
    ],
    "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"
      },
      {
        "name": "BRANCH_WITHDRAWAL",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "4.00"
        },
        "currency": "AUD",
        "additionalInfo": "Includes all in-branch cash transfer and BPAY withdrawal",
        "additionalInfoUri": "https://www.gmcu.com.au/pds",
        "discounts": [
          {
            "description": "My Everyday - Monthly Branch Withdrawal Fee free allowance",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "4.00"
            },
            "additionalInfoUri": "https://www.gmcu.com.au/pds"
          },
          {
            "description": "Christmas Saver- Branch Withdrawal Fee Exemption",
            "discountType": "ELIGIBILITY_ONLY",
            "discountMethodUType": "fixedAmount",
            "fixedAmount": {
              "amount": "4.00"
            },
            "additionalInfoUri": "https://www.gmcu.com.au/pds",
            "eligibility": [
              {
                "discountEligibilityType": "OTHER",
                "additionalInfo": "Branch withdrawal fee is not changed from 15th November to 31st December"
              }
            ]
          }
        ]
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.011",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1Y",
        "additionalInfoUri": "https://www.gmcu.com.au/help/interest-rates/deposit-rates/"
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "Christmas_Saver",
    "lastUpdated": "2026-04-09T14:22:45.000+10:00",
    "name": "Christmas Saver",
    "description": "The Christmas Saver account allows you to save for Christmas throughout the year.",
    "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"
    }
  }
}