{
  "snapshot_at": "2026-11-12T02:33:50Z",
  "brand": "TMCU",
  "brand_slug": "tmcu",
  "product_id": "CHRISTMAS_CLUB_ACCOUNT",
  "cdr_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/CHRISTMAS_CLUB_ACCOUNT",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/CHRISTMAS_CLUB_ACCOUNT'",
  "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": "OTHER",
        "additionalInfo": "FUNDS AVAILABLE FROM 1ST NOV UNTIL 31ST JAN"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "NATURAL_PERSON"
      }
    ],
    "fees": [
      {
        "name": "CHRISTMAS_CLUB_EARLY_WITHDRAWAL_FEE",
        "feeType": "TRANSACTION",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.03",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M"
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER"
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "CHRISTMAS_CLUB_ACCOUNT",
    "lastUpdated": "2026-11-12T09:07:10.000+11:00",
    "name": "CHRISTMAS CLUB ACCOUNT",
    "description": "CHRISTMAS CLUB ACCOUNT",
    "brand": "TRANSPORT MUTUAL CREDIT UNION LTD",
    "brandName": "TRANSPORT MUTUAL CREDIT UNION LTD",
    "applicationUri": "https://www.transportmutual.com.au/banking/savings-accounts/christmas-club-account/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.transportmutual.com.au/banking/savings-accounts/christmas-club-account/",
      "termsUri": "https://www.transportmutual.com.au/banking/savings-accounts/christmas-club-account/",
      "feesAndPricingUri": "https://www.transportmutual.com.au/banking/rates-fees/fees-and-charges/"
    }
  }
}