{
  "snapshot_at": "2026-11-06T01:09:18Z",
  "brand": "Laboratories Credit Union",
  "brand_slug": "laboratories-credit-union",
  "product_id": "S33_YOUNG_AND_FREE_ACCOUNT",
  "cdr_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/S33_YOUNG_AND_FREE_ACCOUNT",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/S33_YOUNG_AND_FREE_ACCOUNT'",
  "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": "CARD_ACCESS",
        "additionalValue": "Visa Debit Card with payWave"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Use your compatible Apple device to make payments"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Use your compatible Android device to make payments"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Register a PayID and attach it to this account"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "Pay bills from this account"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "SMS/Email Alerts - Set up SMS or email alerts for credits, debits, logins to your account and more"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "BPAYView - Receive your bills directly to your internet banking and pay with one click"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Sweep Facility - Automatically move funds between your accounts based on a minimum or maximum balance to be maintained on the specified account"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Government Guarantee - Under the FCS certain deposits are protected up to a limit of $250,000 for each account holder at any bank, building society, credit union or other authorised deposit-taking institution (ADI) that is incorporated in Australia and authorised by the Australian Prudential Regulation Authority (APRA)."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Receive international payment to your account through Western Union. No fee for sender or receiver."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Send International Payments self serve through your internet banking or staff assisted\t"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "International exchange on foreign cheques and cash"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "International purchase foreign draft"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "International purchase foreign cash"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "International Prepaid MasterCard Cash Passport"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Overdrawn accounts (with a balance below $0.00) will be charged the current lending rate applicable to the account. See Lending Rates above."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Bonus interest rate is paid on balances up to $1,000 (refer to the deposit rates above for current rates)"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Free LCU counter cheque - order a counter cheque online or in person at no cost."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Direct Debit facility available - allow a third party to transfer money from your account, typically to pay bills eg. Phone, energy, gym"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Direct Credit facility available - automatically credit your LCU account with funds from another bank account"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Card control - Lock and unlock your Visa card with the LCU - Banking App"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Periodic Payments - Schedule one off or re-occuring payments from your account"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Direct credit allocation - Split your payroll or other regular payments received to your account to different sub accounts."
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "8"
      },
      {
        "eligibilityType": "MAX_AGE",
        "additionalValue": "25"
      },
      {
        "eligibilityType": "STUDENT",
        "additionalValue": "Full time student"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "If not an Australian resident, you must complete a Tax Residency Declaration"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Must be a shareholder owning a $10 share.  Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own your Bank\". $10 share is refunded if you choose to close your account."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may be eligible to join if you: work or live in the greater Ryde area; have an association with Riverside Corporate or Macquarie Park; or work in a STEM industry."
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.054",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P6M",
        "tiers": [
          {
            "name": "Young and Free Student Account_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "10000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P6M",
        "tiers": [
          {
            "name": "Young and Free Student Account_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "10000.01",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "S33_YOUNG_AND_FREE_ACCOUNT",
    "lastUpdated": "2026-11-06T09:54:13.000+11:00",
    "name": "Young and Free Student Account",
    "description": "Learn to save with a great interest rate and no monthly Visa card fees. Bonus rate on balances up to $1000.",
    "brand": "LABORATORIES CREDIT UNION LTD.",
    "brandName": "LCU",
    "applicationUri": "https://join.lcu.com.au/getting-started",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://lcu.com.au/product/young-free-student-account/",
      "termsUri": "https://lcu.com.au/disclosure-documents",
      "feesAndPricingUri": "https://lcu.com.au/disclosure-documents"
    }
  }
}