{
  "snapshot_at": "2026-10-29T23:52:19Z",
  "brand": "gmcu",
  "brand_slug": "gmcu",
  "product_id": "My_Freedom",
  "cdr_url": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/My_Freedom",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/My_Freedom'",
  "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": "CARD_ACCESS"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "NPP_PAYID"
      },
      {
        "featureType": "OVERDRAFT"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Electronic Withdrawals"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Branch Withdrawals"
      },
      {
        "featureType": "UNLIMITED_TXNS",
        "additionalInfo": "Card purchase / EFTPOS / ATM"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_BALANCE",
        "additionalValue": "1.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "55"
      }
    ],
    "fees": [
      {
        "name": "DECLINED_ATM_OR_EFTPOS_TRANSACTION",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.00"
        },
        "currency": "AUD",
        "additionalInfo": "Each time an ATM or EFTPOS transaction is declined",
        "additionalInfoUri": "https://www.gmcu.com.au/pds"
      },
      {
        "name": "ATM_BALANCE_ENQUIRY",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.50"
        },
        "currency": "AUD",
        "additionalInfo": "Each time a balance enquiry is requested at an ATM",
        "additionalInfoUri": "https://www.gmcu.com.au/pds"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1Y",
        "tiers": [
          {
            "name": "My Freedom_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "499.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://www.gmcu.com.au/help/interest-rates/deposit-rates/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.02",
        "calculationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1Y",
        "tiers": [
          {
            "name": "My Freedom_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "499.01",
            "maximumValue": "48000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://www.gmcu.com.au/help/interest-rates/deposit-rates/"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.02",
        "calculationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1Y",
        "tiers": [
          {
            "name": "My Freedom_Tier_3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "48000.01",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfoUri": "https://www.gmcu.com.au/help/interest-rates/deposit-rates/"
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "My_Freedom",
    "lastUpdated": "2026-04-09T14:25:07.000+10:00",
    "name": "My Freedom",
    "description": "The My Freedom Account is a transaction account for persons aged 55 years and above and who no longer work full time. Funds are available at call.",
    "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/transaction-accounts/view-all-transaction-accounts/",
      "termsUri": "https://www.gmcu.com.au/pds",
      "eligibilityUri": "https://www.gmcu.com.au/pds",
      "feesAndPricingUri": "https://www.gmcu.com.au/pds"
    }
  }
}