{
  "snapshot_at": "2026-11-05T03:32:22Z",
  "brand": "The Mac",
  "brand_slug": "the-mac",
  "product_id": "S15_FREEDOMYEARS",
  "cdr_url": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/S15_FREEDOMYEARS",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/S15_FREEDOMYEARS'",
  "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",
        "additionalInfo": "Visa Debit with PayWave"
      },
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalInfo": "Visa Debit with PayWave"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalInfo": "Apple Pay Samsung Pay Google Pay"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Online Banking The Mac App"
      },
      {
        "featureType": "NPP_PAYID"
      },
      {
        "featureType": "NPP_ENABLED"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "65"
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0002",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "FREEDOM YEARS_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "4999.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.016",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "FREEDOM YEARS_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "4999.01",
            "maximumValue": "50000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.022",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "FREEDOM YEARS_Tier_3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.01",
            "rateApplicationMethod": "PER_TIER"
          }
        ]
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "S15_FREEDOMYEARS",
    "lastUpdated": "2026-11-02T09:01:57.000+11:00",
    "name": "FREEDOM YEARS",
    "description": "FREEDOM YEARS",
    "brand": "MACARTHUR CREDIT UNION LTD",
    "brandName": "MACARTHUR CREDIT UNION LTD",
    "applicationUri": "https://themaccu.com.au/forms/savingsinvestment-account-application/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://themaccu.com.au/bank-save/everyday-accounts/freedom-years-account/",
      "termsUri": "https://themaccu.com.au/support/the-fine-print/",
      "eligibilityUri": "https://themaccu.com.au/support/the-fine-print/",
      "feesAndPricingUri": "https://themaccu.com.au/support/rates-fees/"
    }
  }
}