{
  "snapshot_at": "2026-11-06T01:09:30Z",
  "brand": "ORANGE CREDIT UNION LTD",
  "brand_slug": "orange-credit-union-ltd",
  "product_id": "CHRISTMAS_CLUB",
  "cdr_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/CHRISTMAS_CLUB",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/CHRISTMAS_CLUB'",
  "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": "DIGITAL_BANKING",
        "additionalInfo": "Access available Nov to Jan"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Access available Nov to Jan"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Access available Nov to Jan"
      },
      {
        "featureType": "NPP_ENABLED"
      }
    ],
    "fees": [
      {
        "name": "CHRISTMAS_CLUB_EARLY_WITHDRAWAL_FEE",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfoUri": "https://www.bankorange.com.au/quicklinks/rates-and-fees/"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.015",
        "calculationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfoUri": "https://www.bankorange.com.au/quicklinks/rates-and-fees/savings-interest-rates/"
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "CHRISTMAS_CLUB",
    "lastUpdated": "2026-11-06T08:57:02.000+11:00",
    "name": "CHRISTMAS CLUB",
    "description": "CHRISTMAS CLUB",
    "brand": "ORANGE CREDIT UNION LTD",
    "brandName": "ORANGE CREDIT UNION LTD",
    "applicationUri": "https://www.bankorange.com.au/online-forms/member-application-form/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.bankorange.com.au/bank-save/savings-accounts/christmas-club-account/",
      "termsUri": "https://www.bankorange.com.au/about/corporate-information/disclosure-documents/",
      "eligibilityUri": "https://www.bankorange.com.au/about/corporate-information/disclosure-documents/",
      "feesAndPricingUri": "https://www.bankorange.com.au/quicklinks/rates-and-fees/"
    }
  }
}