{
  "snapshot_at": "2026-10-22T13:25:57Z",
  "brand": "Traditional Credit Union",
  "brand_slug": "traditional-credit-union",
  "product_id": "TCU003",
  "cdr_url": "https://prd.tcu.com.au/cds-au/v1/banking/products/TCU003",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://prd.tcu.com.au/cds-au/v1/banking/products/TCU003'",
  "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": "TCU003",
    "effectiveFrom": "2023-03-01T00:00:00.000+11:00",
    "effectiveTo": "2027-10-31T00:00:00.000+11:00",
    "lastUpdated": "2025-10-31T00:00:00.000+11:00",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "S3 Christmas Club Account",
    "description": "Christmas Savings account",
    "brand": "TCU",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://tcu.com.au/personal-banking-2/",
      "termsUri": "https://tcu.com.au/wp-content/uploads/2025/10/Account-Access-Facility-Conditions-of-Use-PB-Accounts-v23-011125.pdf",
      "feesAndPricingUri": "https://tcu.com.au/wp-content/uploads/2025/10/Savings-and-Investment-accounts-IFC-v26-011125.pdf",
      "additionalOverviewUris": [],
      "additionalTermsUris": [],
      "additionalEligibilityUris": [],
      "additionalFeesAndPricingUris": [],
      "additionalBundleUris": []
    },
    "cardArt": [],
    "bundles": [],
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Accessible for withdrawals between 1st November and 31st December annually"
      }
    ],
    "constraints": [],
    "eligibility": [],
    "fees": [],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "2.25",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "S3 Interest Tier 2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": 1000.0,
            "maximumValue": 0.0,
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "1.00",
        "calculationFrequency": "P1D",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "S3 Interest Tier 1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": 1.0,
            "maximumValue": 999.99,
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ]
      }
    ],
    "lendingRates": []
  }
}