{
  "snapshot_at": "2026-11-12T02:33:50Z",
  "brand": "TMCU",
  "brand_slug": "tmcu",
  "product_id": "S7_REDIFUND_ACCOUNT",
  "cdr_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/S7_REDIFUND_ACCOUNT",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/S7_REDIFUND_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": "BILL_PAYMENT"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_BALANCE",
        "additionalValue": "5000.00",
        "additionalInfo": "FUNDS AVAILABLE AFTER 7 DAYS"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "NATURAL_PERSON"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.00015",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "REDIFUND ACCOUNT_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "4999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0105",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "REDIFUND ACCOUNT_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "5000.00",
            "maximumValue": "9999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.011",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "REDIFUND ACCOUNT_Tier_3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "10000.00",
            "maximumValue": "24999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0115",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "REDIFUND ACCOUNT_Tier_4",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "25000.00",
            "maximumValue": "49999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.012",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "REDIFUND ACCOUNT_Tier_5",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.00",
            "maximumValue": "99999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0225",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "REDIFUND ACCOUNT_Tier_6",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "100000.00",
            "maximumValue": "249999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.0235",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "REDIFUND ACCOUNT_Tier_7",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "250000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      }
    ],
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "S7_REDIFUND_ACCOUNT",
    "lastUpdated": "2026-11-12T09:07:45.000+11:00",
    "name": "REDIFUND ACCOUNT",
    "description": "REDIFUND ACCOUNT",
    "brand": "TRANSPORT MUTUAL CREDIT UNION LTD",
    "brandName": "TRANSPORT MUTUAL CREDIT UNION LTD",
    "applicationUri": "https://www.transportmutual.com.au/banking/savings-accounts/redifund-account/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.transportmutual.com.au/banking/savings-accounts/redifund-account/",
      "termsUri": "https://www.transportmutual.com.au/media/2907/account-access-facility-conditions-of-use-2025.pdf",
      "feesAndPricingUri": "https://www.transportmutual.com.au/banking/rates-fees/fees-and-charges/"
    }
  }
}