{
  "snapshot_at": "2026-11-10T03:14:52Z",
  "brand": "Southern Cross Credit Union",
  "brand_slug": "southern-cross-credit-union",
  "product_id": "BUSINESS_STAR_SAVER",
  "cdr_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_STAR_SAVER",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_STAR_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": "DIGITAL_BANKING",
        "additionalInfo": "SCCU Netbanking and APP"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "NPP_PAYID"
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_BALANCE",
        "additionalValue": "2000000.00",
        "additionalInfo": "Combined SCCU account balance capped at $2Million"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS",
        "additionalInfo": "Sole Trader, partnership or company"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": "Australian registered business with Australian address"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.01",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "BUSINESS STAR SAVER_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "2000000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfo": "Bonus interest paid on balance up to $2Mil subject to no withdrawals in the calendar month. Standard rate of interest paid on balance over $2 Mil or on the full balance of account when a withdrawal is made.",
        "additionalInfoUri": "https://www.sccu.com.au/Business-Savings-and-Deposit-Accounts-Interest-Rate-Schedule"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.01",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "BUSINESS STAR SAVER_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "2000000.01",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfo": "Bonus interest paid on balance up to $2Mil subject to no withdrawals in the calendar month. Standard rate of interest paid on balance over $2 Mil or on the full balance of account when a withdrawal is made.",
        "additionalInfoUri": "https://www.sccu.com.au/Business-Savings-and-Deposit-Accounts-Interest-Rate-Schedule"
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.0445",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "BUSINESS STAR SAVER_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "2000000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalValue": "BONUS INTEREST",
        "additionalInfo": "Bonus interest paid on balance up to $2Mil subject to no withdrawals in the calendar month. Standard rate of interest paid on balance over $2 Mil or on the full balance of account when a withdrawal is made.",
        "additionalInfoUri": "https://www.sccu.com.au/Business-Savings-and-Deposit-Accounts-Interest-Rate-Schedule"
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "BUSINESS STAR SAVER_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "2000000.01",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalValue": "BONUS INTEREST",
        "additionalInfo": "Bonus interest paid on balance up to $2Mil subject to no withdrawals in the calendar month. Standard rate of interest paid on balance over $2 Mil or on the full balance of account when a withdrawal is made.",
        "additionalInfoUri": "https://www.sccu.com.au/Business-Savings-and-Deposit-Accounts-Interest-Rate-Schedule"
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "BUSINESS_STAR_SAVER",
    "effectiveFrom": "2023-08-08T00:00:00.000+10:00",
    "lastUpdated": "2026-11-09T07:25:39.000+11:00",
    "name": "BUSINESS STAR SAVER",
    "description": "Star Saver savings account for Business",
    "brand": "S",
    "brandName": "SCCU",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.sccu.com.au/business-banking/business-star-saver/",
      "termsUri": "https://www.sccu.com.au/product-disclosures/",
      "eligibilityUri": "https://www.sccu.com.au/Business-Star-Saver-TMD",
      "feesAndPricingUri": "https://www.sccu.com.au/Schedule-of-Fees-and-Charges"
    }
  }
}