{
  "snapshot_at": "2026-10-22T13:25:57Z",
  "brand": "Traditional Credit Union",
  "brand_slug": "traditional-credit-union",
  "product_id": "TCU0024",
  "cdr_url": "https://prd.tcu.com.au/cds-au/v1/banking/products/TCU0024",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://prd.tcu.com.au/cds-au/v1/banking/products/TCU0024'",
  "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": {
    "productId": "TCU0024",
    "effectiveFrom": "2026-05-14T00:00:00.000+10:00",
    "effectiveTo": "2028-05-14T00:00:00.000+10:00",
    "lastUpdated": "2026-05-14T00:00:00.000+10:00",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "S24 Business Transaction Account",
    "description": "Everyday transaction account for Businesses",
    "brand": "TCU",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://tcu.com.au/business-banking-2/",
      "termsUri": "https://tcu.com.au/wp-content/uploads/2026/05/Account-Information-and-Access-V24-1703.pdf",
      "feesAndPricingUri": "https://tcu.com.au/wp-content/uploads/2026/05/Business-Account-IFC-11-1703.pdf",
      "additionalOverviewUris": [],
      "additionalTermsUris": [],
      "additionalEligibilityUris": [],
      "additionalFeesAndPricingUris": [],
      "additionalBundleUris": []
    },
    "cardArt": [],
    "bundles": [],
    "features": [
      {
        "featureType": "FREE_TXNS_ALLOWANCE"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "BILL_PAYMENT"
      },
      {
        "featureType": "CARD_ACCESS"
      }
    ],
    "constraints": [],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS"
      }
    ],
    "fees": [],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "2.00",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "S24 Interest Rate Tier 5",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": 250000.0,
            "maximumValue": 499999.99,
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "2.25",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "S24 Interest Rate Tier 6",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": 500000.0,
            "maximumValue": 0.0,
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.01",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "S24 Interest Rate Tier 1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": 1.0,
            "maximumValue": 19999.99,
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.25",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "S24 Interest Rate Tier 2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": 20000.0,
            "maximumValue": 49999.99,
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.50",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "S24 Interest Rate Tier 3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": 50000.0,
            "maximumValue": 99999.99,
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "1.00",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "S24 Interest Rate Tier 4",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": 100000.0,
            "maximumValue": 249999.99,
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "FIXED",
        "rate": "18",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "tiers": [],
        "additionalInfo": "Interest on overdrawn accounts"
      }
    ]
  }
}