{
  "snapshot_at": "2026-11-10T03:14:52Z",
  "brand": "Southern Cross Credit Union",
  "brand_slug": "southern-cross-credit-union",
  "product_id": "EASY_ACCESS_50_PLUS",
  "cdr_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/EASY_ACCESS_50_PLUS",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/EASY_ACCESS_50_PLUS'",
  "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": {
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.005",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "EASY ACCESS 50+_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "9999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfo": "Tiered rate based on balance thresholds",
        "additionalInfoUri": "https://www.sccu.com.au/Savings-and-Deposit-Accounts-Interest-Rate-Schedule"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.009",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "EASY ACCESS 50+_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "10000.00",
            "maximumValue": "49999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfo": "Tiered rate based on balance thresholds",
        "additionalInfoUri": "https://www.sccu.com.au/Savings-and-Deposit-Accounts-Interest-Rate-Schedule"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.027",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "EASY ACCESS 50+_Tier_3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.00",
            "maximumValue": "199999.99",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfo": "Tiered rate based on balance thresholds",
        "additionalInfoUri": "https://www.sccu.com.au/Savings-and-Deposit-Accounts-Interest-Rate-Schedule"
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.03",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "EASY ACCESS 50+_Tier_4",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "200000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "additionalInfo": "Tiered rate based on balance thresholds",
        "additionalInfoUri": "https://www.sccu.com.au/Savings-and-Deposit-Accounts-Interest-Rate-Schedule"
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "EASY_ACCESS_50_PLUS",
    "effectiveFrom": "2024-10-01T00:00:00.000+10:00",
    "lastUpdated": "2026-11-09T07:48:43.000+11:00",
    "name": "EASY ACCESS 50+",
    "description": "Everyday transaction account with easy access for those at retirement age with competitive Interest",
    "brand": "S",
    "brandName": "SCCU",
    "applicationUri": "https://sccu.apply-online.com.au/#/90c5c275-a293-4161-8990-3efe37e99a95",
    "isTailored": true,
    "additionalInformation": {
      "overviewUri": "https://www.sccu.com.au/transaction-accounts/easy-access-50/",
      "termsUri": "https://www.sccu.com.au/product-disclosures/",
      "eligibilityUri": "https://www.sccu.com.au/Easy-Access-50-TMD",
      "feesAndPricingUri": "https://www.sccu.com.au/Schedule-of-Fees-and-Charges"
    }
  }
}