{
  "snapshot_at": "2026-10-22T13:25:49Z",
  "brand": "SWSbank",
  "brand_slug": "swsbank",
  "product_id": "S5_Xmas",
  "cdr_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/S5_Xmas",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/S5_Xmas'",
  "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"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Monthly or 6 monthly statements available"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "NPP_PAYID"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Associations and club accounts eligible"
      },
      {
        "eligibilityType": "PENSION_RECIPIENT"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian citizen or permanent resident"
      },
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "13"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0075",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "additionalInfo": "Interest calculated daily, paid on 30 November. Funds available on 30 November",
        "additionalInfoUri": "https://www.swsbank.com.au/accounts/savings-accounts/christmas-club/"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.125",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER"
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "S5_Xmas",
    "lastUpdated": "2025-09-15T10:58:26.000+10:00",
    "name": "Christmas Club",
    "description": "Christmas Club",
    "brand": "South West Slopes Credit Union",
    "brandName": "South West Slopes Credit Union Ltd trading as SWSbank",
    "applicationUri": "https://swscu.apply-online.com.au/#/5e7b4a3f-73sghs-4d7a-93c1-8cbaf6fcb318",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.swsbank.com.au/accounts/savings-accounts/christmas-club/",
      "feesAndPricingUri": "https://www.swsbank.com.au/help-support/rates-fees/fees-and-charges/"
    }
  }
}