{
 "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated)",
 "licence_note": "Rates are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates change without notice; check the bank's page before acting. This is not financial advice.",
 "reference_deposits": [
  10000,
  50000,
  250000
 ],
 "segments": [
  "personal",
  "smsf",
  "business"
 ],
 "terms": [
  1,
  2,
  3,
  4,
  5,
  6,
  7,
  8,
  9,
  10,
  11,
  12,
  18,
  24,
  36,
  48,
  60
 ],
 "rankings": {
  "personal": {
   "10000": {
    "1": [
     {
      "rank": 1,
      "brand": "Woolworths Team Bank",
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "product_name": "7 MONTHS",
      "product_label": "7 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 0.0,
      "tier_max": 1000000.0,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Woolworths Group Limited and Endeavour Group Limited team members, Immediate family members of Woolworths Group Limited and Endeavour Group Limited team member…"
      ],
      "stacked_bonus": null,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/7Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/woolworths-team-bank/7Months.json",
      "product_url": "https://woolworthsteambank.snapforms.com.au/form/term-deposit-form",
      "bank_last_updated": "2026-09-23T14:21:03.000+10:00"
     },
     {
      "rank": 2,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "12 Month Regular Income",
      "product_label": "12 Month Regular Income",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I3_TermDeposit_12mthIncome",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I3_TermDeposit_12mthIncome.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:59:19.000+10:00"
     },
     {
      "rank": 3,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "24 MONTHS",
      "product_label": "24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/24MTH_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/24MTH_TERM_DEPOSIT.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-07-02T11:03:33.000+10:00"
     },
     {
      "rank": 4,
      "brand": "BOQ Specialist",
      "brand_label": "BOQ Specialist",
      "brand_slug": "boq-specialist",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": 30,
      "term_days_min": 30,
      "term_days_max": 30,
      "term_raw": "P30D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 100000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 100000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively available to medical professionals and accountants"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/78906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/boq-specialist/78906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boqspecialist.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-21T00:19:38Z"
     },
     {
      "rank": 5,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 6,
      "brand": "Fire Service Credit Union",
      "brand_label": "Fire Service Credit Union",
      "brand_slug": "fire-service-credit-union",
      "product_name": "I1 Cheque A Month",
      "product_label": "I1 Cheque A Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 1000000.0,
      "deposit_min": 10000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/11",
      "source_snapshot": "/au/finance/term-deposits/v1/source/fire-service-credit-union/11.json",
      "product_url": "https://www.fscu.com.au/accounts/term-deposits/",
      "bank_last_updated": "2026-05-20T04:00:33.3305724Z"
     },
     {
      "rank": 7,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Standard Rate Term Deposit 1-12 months",
      "product_label": "Standard Rate Term Deposit 1-12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1000-0500",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1000-0500.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 8,
      "brand": "Bank of China",
      "brand_label": "Bank of China",
      "brand_slug": "bank-of-china",
      "product_name": "Term Deposit AUD 1M",
      "product_label": "Term Deposit AUD 1M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "Term Deposit AUD 1M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/55090506",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-china/55090506.json",
      "product_url": "https://www.bankofchina.com/au/en/pbservice/pb1/201712/t20171214_10912803.html",
      "bank_last_updated": "2026-05-07T14:00:00.000+10:00"
     },
     {
      "rank": 9,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Broker Term Deposit",
      "product_label": "Broker Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0255,
      "rate_pct": 2.55,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": 31,
      "term_days_min": 31,
      "term_days_max": 31,
      "term_raw": "P31D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 2000000.0,
      "deposit_min": 10000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This account is available via Australian Money Market",
       "available via broker or intermediary",
       "Minimum deposit for new customer is $10K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD03.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD03.1.json",
      "product_url": "https://www.heartlandbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-30T03:59:03Z"
     },
     {
      "rank": 10,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.025,
      "rate_pct": 2.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 11,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0225,
      "rate_pct": 2.25,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.0,
      "deposit_min": 10000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 12,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0225,
      "rate_pct": 2.25,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 13,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Term Deposit 1 month",
      "product_label": "Term Deposit 1 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available on request only"
      ],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/239",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/239.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-05-20T00:00:00.000+10:00"
     },
     {
      "rank": 14,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 15,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 16,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": 26,
      "term_days_max": 58,
      "term_raw": "P58D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 24999.99,
      "deposit_min": 5000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 17,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 18,
      "brand": "Horizon Bank",
      "brand_label": "Horizon Bank",
      "brand_slug": "horizon-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/I50_I500001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/horizon-bank/I50_I500001.json",
      "product_url": "https://horizonbank.com.au/forms/savings-account-or-term-deposit-application/",
      "bank_last_updated": "2026-08-17T17:59:37.000+10:00"
     },
     {
      "rank": 19,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 20,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0195,
      "rate_pct": 1.95,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": 31,
      "term_days_max": 60,
      "term_raw": "P60D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 21,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 1 Month",
      "product_label": "Term Deposit - 1 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0165,
      "rate_pct": 1.65,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/1.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 22,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.015,
      "rate_pct": 1.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": 7,
      "term_days_max": 30,
      "term_raw": "P7D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 23,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.015,
      "rate_pct": 1.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 24,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0145,
      "rate_pct": 1.45,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 25,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.014,
      "rate_pct": 1.4,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 26,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.014,
      "rate_pct": 1.4,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 27,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.014,
      "rate_pct": 1.4,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": 30,
      "term_days_min": 30,
      "term_days_max": 30,
      "term_raw": "P30D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 28,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.014,
      "rate_pct": 1.4,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 29,
      "brand": "Cairns bank",
      "brand_label": "Cairns Bank",
      "brand_slug": "cairns-bank",
      "product_name": "Term deposits 12mths under $500,000",
      "product_label": "Term Deposit 12mths Under $500,000",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0125,
      "rate_pct": 1.25,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/I1_12M_UNDER_500K",
      "source_snapshot": "/au/finance/term-deposits/v1/source/cairns-bank/I1_12M_UNDER_500K.json",
      "product_url": "https://cairnsbank.com.au/banking/personal-banking/term-deposit-account",
      "bank_last_updated": "2026-06-29T09:28:13.000+10:00"
     },
     {
      "rank": 30,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (17)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0125,
      "rate_pct": 1.25,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": 49999.0,
      "tier_min": 5000.0,
      "tier_max": 49999.0,
      "deposit_min": 5000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_1M_%245%2C000-%2449%2C999",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_1M__5_000-_49_999.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 31,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0125,
      "rate_pct": 1.25,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M/P2M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 32,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0125,
      "rate_pct": 1.25,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 5000.0,
      "tier_max": 99999.0,
      "deposit_min": 5000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 33,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "1 Month Term Deposit",
      "product_label": "1 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.012,
      "rate_pct": 1.2,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/98",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/98.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/standard-term-deposit/",
      "bank_last_updated": "2026-06-11T04:00:41.6927295Z"
     },
     {
      "rank": 34,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.012,
      "rate_pct": 1.2,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 5000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/bd41ed42-262c-4445-a7f6-f3b61314ec0c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/bd41ed42-262c-4445-a7f6-f3b61314ec0c.json",
      "product_url": "https://www.bendigobank.com.au/personal/term-deposits/term-deposit-enquiry/",
      "bank_last_updated": "2026-09-24T14:32:23.011Z"
     },
     {
      "rank": 35,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0115,
      "rate_pct": 1.15,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 36,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.011,
      "rate_pct": 1.1,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 37,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest @ Maturity",
      "product_label": "Term Investment - Interest @ Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.01,
      "rate_pct": 1.0,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3000",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3000.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-27T14:00:00Z"
     },
     {
      "rank": 38,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.01,
      "rate_pct": 1.0,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": 21,
      "term_days_max": 45,
      "term_raw": "P21D - P45D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 39,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "NATIONAL SENIORS TERM DEPOSIT",
      "product_label": "National Seniors Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0075,
      "rate_pct": 0.75,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 3000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through National Seniors Australia"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6f474df2-c438-4132-939f-9730d5e45165",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/6f474df2-c438-4132-939f-9730d5e45165.json",
      "product_url": "https://nationalseniors.com.au/services/financial/termdeposit",
      "bank_last_updated": "2026-09-29T09:16:28.000+10:00"
     },
     {
      "rank": 40,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0075,
      "rate_pct": 0.75,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": 28,
      "term_days_max": 58,
      "term_raw": "P28D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 41,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0055,
      "rate_pct": 0.55,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 42,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Regular Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.005,
      "rate_pct": 0.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/8546b224-85ce-40b4-ba09-3390398b5c4e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/8546b224-85ce-40b4-ba09-3390398b5c4e.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.482282Z"
     }
    ],
    "2": [
     {
      "rank": 1,
      "brand": "Woolworths Team Bank",
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "product_name": "7 MONTHS",
      "product_label": "7 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 0.0,
      "tier_max": 1000000.0,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Woolworths Group Limited and Endeavour Group Limited team members, Immediate family members of Woolworths Group Limited and Endeavour Group Limited team member…"
      ],
      "stacked_bonus": null,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/7Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/woolworths-team-bank/7Months.json",
      "product_url": "https://woolworthsteambank.snapforms.com.au/form/term-deposit-form",
      "bank_last_updated": "2026-09-23T14:21:03.000+10:00"
     },
     {
      "rank": 2,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.0,
      "deposit_min": 10000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 3,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "12 Month Regular Income",
      "product_label": "12 Month Regular Income",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I3_TermDeposit_12mthIncome",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I3_TermDeposit_12mthIncome.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:59:19.000+10:00"
     },
     {
      "rank": 4,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Standard Rate Term Deposit 1-12 months",
      "product_label": "Standard Rate Term Deposit 1-12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1000-0500",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1000-0500.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 5,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": 61,
      "term_days_max": 92,
      "term_raw": "P92D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 6,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "24 MONTHS",
      "product_label": "24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/24MTH_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/24MTH_TERM_DEPOSIT.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-07-02T11:03:33.000+10:00"
     },
     {
      "rank": 7,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0445,
      "rate_pct": 4.45,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 8,
      "brand": "BOQ Specialist",
      "brand_label": "BOQ Specialist",
      "brand_slug": "boq-specialist",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": 60,
      "term_days_min": 60,
      "term_days_max": 60,
      "term_raw": "P60D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 100000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 100000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively available to medical professionals and accountants"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/78906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/boq-specialist/78906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boqspecialist.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-21T00:19:38Z"
     },
     {
      "rank": 9,
      "brand": "Broken Hill Bank",
      "brand_label": "Broken Hill Bank",
      "brand_slug": "broken-hill-bank",
      "product_name": "FTD - 2 to 5 Months",
      "product_label": "FTD - 2 to 5 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 499999.99,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/8",
      "source_snapshot": "/au/finance/term-deposits/v1/source/broken-hill-bank/8.json",
      "product_url": "https://brokenhill.bank/open-an-account",
      "bank_last_updated": "2026-06-11T02:00:18.8259621Z"
     },
     {
      "rank": 10,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 11,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 12,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.023,
      "rate_pct": 2.3,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 13,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Term Deposit 2 months",
      "product_label": "Term Deposit 2 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available on request only"
      ],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/240",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/240.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-05-20T00:00:00.000+10:00"
     },
     {
      "rank": 14,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 15,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 16,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": 59,
      "term_days_max": 88,
      "term_raw": "P88D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 24999.99,
      "deposit_min": 5000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 17,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 18,
      "brand": "Horizon Bank",
      "brand_label": "Horizon Bank",
      "brand_slug": "horizon-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/I50_I500001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/horizon-bank/I50_I500001.json",
      "product_url": "https://horizonbank.com.au/forms/savings-account-or-term-deposit-application/",
      "bank_last_updated": "2026-08-17T17:59:37.000+10:00"
     },
     {
      "rank": 19,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0195,
      "rate_pct": 1.95,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 5000.0,
      "tier_max": 99999.0,
      "deposit_min": 5000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 20,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 2 Months",
      "product_label": "Term Deposit - 2 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.019,
      "rate_pct": 1.9,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/2",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/2.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 21,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0175,
      "rate_pct": 1.75,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 22,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0175,
      "rate_pct": 1.75,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 23,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.017,
      "rate_pct": 1.7,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 24,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0165,
      "rate_pct": 1.65,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 25,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0165,
      "rate_pct": 1.65,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 26,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0165,
      "rate_pct": 1.65,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": 60,
      "term_days_min": 60,
      "term_days_max": 60,
      "term_raw": "P60D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 27,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0165,
      "rate_pct": 1.65,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 28,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "2 Month Term Deposit",
      "product_label": "2 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.016,
      "rate_pct": 1.6,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/99",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/99.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/standard-term-deposit/",
      "bank_last_updated": "2026-06-11T04:00:41.6927295Z"
     },
     {
      "rank": 29,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "2 Month Term Deposit",
      "product_label": "2 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.016,
      "rate_pct": 1.6,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/28",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/28.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-06-28T16:00:22.3851793Z"
     },
     {
      "rank": 30,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.016,
      "rate_pct": 1.6,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 31,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0145,
      "rate_pct": 1.45,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 5000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/bd41ed42-262c-4445-a7f6-f3b61314ec0c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/bd41ed42-262c-4445-a7f6-f3b61314ec0c.json",
      "product_url": "https://www.bendigobank.com.au/personal/term-deposits/term-deposit-enquiry/",
      "bank_last_updated": "2026-09-24T14:32:23.011Z"
     },
     {
      "rank": 32,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (24)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0145,
      "rate_pct": 1.45,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": 49999.0,
      "tier_min": 5000.0,
      "tier_max": 49999.0,
      "deposit_min": 5000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_2M_%245%2C000-%2449%2C999",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_2M__5_000-_49_999.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 33,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0135,
      "rate_pct": 1.35,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 34,
      "brand": "Cairns bank",
      "brand_label": "Cairns Bank",
      "brand_slug": "cairns-bank",
      "product_name": "Term deposits 12mths under $500,000",
      "product_label": "Term Deposit 12mths Under $500,000",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0125,
      "rate_pct": 1.25,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/I1_12M_UNDER_500K",
      "source_snapshot": "/au/finance/term-deposits/v1/source/cairns-bank/I1_12M_UNDER_500K.json",
      "product_url": "https://cairnsbank.com.au/banking/personal-banking/term-deposit-account",
      "bank_last_updated": "2026-06-29T09:28:13.000+10:00"
     },
     {
      "rank": 35,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0125,
      "rate_pct": 1.25,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M/P2M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 36,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0115,
      "rate_pct": 1.15,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 37,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "NATIONAL SENIORS TERM DEPOSIT",
      "product_label": "National Seniors Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.01,
      "rate_pct": 1.0,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 3000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through National Seniors Australia"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6f474df2-c438-4132-939f-9730d5e45165",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/6f474df2-c438-4132-939f-9730d5e45165.json",
      "product_url": "https://nationalseniors.com.au/services/financial/termdeposit",
      "bank_last_updated": "2026-09-29T09:16:28.000+10:00"
     },
     {
      "rank": 38,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest @ Maturity",
      "product_label": "Term Investment - Interest @ Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.01,
      "rate_pct": 1.0,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3000",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3000.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-27T14:00:00Z"
     },
     {
      "rank": 39,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.01,
      "rate_pct": 1.0,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": 46,
      "term_days_max": 75,
      "term_raw": "P46D - P75D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 40,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.008,
      "rate_pct": 0.8,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": 59,
      "term_days_max": 88,
      "term_raw": "P59D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 41,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Regular Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.005,
      "rate_pct": 0.5,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/8546b224-85ce-40b4-ba09-3390398b5c4e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/8546b224-85ce-40b4-ba09-3390398b5c4e.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.482282Z"
     },
     {
      "rank": 42,
      "brand": "Police Credit Union Ltd",
      "brand_label": "Police Credit Union",
      "brand_slug": "police-credit-union-ltd",
      "product_name": "YORKETOWN TERM DEPOSIT",
      "product_label": "Yorketown Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0005,
      "rate_pct": 0.05,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": 2500000.0,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/I76_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-credit-union-ltd/I76_TERM_DEPOSIT.json",
      "product_url": "https://www.policecu.com.au/rates/",
      "bank_last_updated": "2026-04-30T15:05:43.000+09:30"
     }
    ],
    "3": [
     {
      "rank": 1,
      "brand": "Woolworths Team Bank",
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "product_name": "7 MONTHS",
      "product_label": "7 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 0.0,
      "tier_max": 1000000.0,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Woolworths Group Limited and Endeavour Group Limited team members, Immediate family members of Woolworths Group Limited and Endeavour Group Limited team member…"
      ],
      "stacked_bonus": null,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/7Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/woolworths-team-bank/7Months.json",
      "product_url": "https://woolworthsteambank.snapforms.com.au/form/term-deposit-form",
      "bank_last_updated": "2026-09-23T14:21:03.000+10:00"
     },
     {
      "rank": 2,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 3,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 3 Months",
      "product_label": "Package TD 3 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/24",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/24.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-10-01T00:00:32.1421029Z"
     },
     {
      "rank": 4,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 3 months",
      "product_label": "Term Deposit 3 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Personal, Joint, Self Managed Super Fund (SMSF), Business & Trust."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/b7a085bb-a6cc-46a8-a052-ed6f42b1d58b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/b7a085bb-a6cc-46a8-a052-ed6f42b1d58b.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=203",
      "bank_last_updated": "2026-09-21T22:00:25.125Z"
     },
     {
      "rank": 5,
      "brand": "Qudos Bank",
      "brand_label": "Qudos Bank",
      "brand_slug": "qudos-bank",
      "product_name": "Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products/f435abef-eaed-4d9f-a535-5c2925645472",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qudos-bank/f435abef-eaed-4d9f-a535-5c2925645472.json",
      "product_url": "https://www.qudosbank.com.au/products/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T22:00:26.783Z"
     },
     {
      "rank": 6,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": 90,
      "term_days_min": 90,
      "term_days_max": 90,
      "term_raw": "P90D",
      "min_balance": 10000.0,
      "max_balance": 5000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an Australian resident for taxation purposes."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/26ab99ae-81ed-44d0-933f-b6d9f0f4b004",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/26ab99ae-81ed-44d0-933f-b6d9f0f4b004.json",
      "product_url": "https://www.ing.com.au/savings/term-deposit.html",
      "bank_last_updated": "2026-09-13T14:00:00.000Z"
     },
     {
      "rank": 7,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 8,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 5000.0,
      "tier_max": 99999.0,
      "deposit_min": 5000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 9,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 10,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.0,
      "deposit_min": 10000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 11,
      "brand": "BOQ Specialist",
      "brand_label": "BOQ Specialist",
      "brand_slug": "boq-specialist",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": 90,
      "term_days_min": 90,
      "term_days_max": 90,
      "term_raw": "P90D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 100000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 100000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively available to medical professionals and accountants"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/78906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/boq-specialist/78906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boqspecialist.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-21T00:19:38Z"
     },
     {
      "rank": 12,
      "brand": "ME Bank - ME Go",
      "brand_label": "ME Bank",
      "brand_slug": "me-bank-me-go",
      "product_name": "ME Go Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cds.mebank.com.au/cds-au/v1/banking/products/0f039bda-f265-f011-bec3-002248106111",
      "source_snapshot": "/au/finance/term-deposits/v1/source/me-bank-me-go/0f039bda-f265-f011-bec3-002248106111.json",
      "product_url": "https://www.mebank.com.au/term-deposits/",
      "bank_last_updated": "2026-09-20T22:59:11Z"
     },
     {
      "rank": 13,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "E&P - Regular Term Deposit",
      "product_label": "E&P - Regular Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through Evans & Partners."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/1f5230e2-e251-4a80-a827-65f136e5d489",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/1f5230e2-e251-4a80-a827-65f136e5d489.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.411989Z"
     },
     {
      "rank": 14,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 15,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "NATIONAL SENIORS TERM DEPOSIT",
      "product_label": "National Seniors Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 3000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through National Seniors Australia"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6f474df2-c438-4132-939f-9730d5e45165",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/6f474df2-c438-4132-939f-9730d5e45165.json",
      "product_url": "https://nationalseniors.com.au/services/financial/termdeposit",
      "bank_last_updated": "2026-09-29T09:16:28.000+10:00"
     },
     {
      "rank": 16,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 17,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "90 Day Term Deposit",
      "product_label": "90 Day Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": 90,
      "term_days_min": 90,
      "term_days_max": 90,
      "term_raw": "P90D",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 9999999.99,
      "deposit_min": 500.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to members only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/d0e6a139-7bd9-4998-a254-77583f7017fa",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/d0e6a139-7bd9-4998-a254-77583f7017fa.json",
      "product_url": "https://form.bankfirst.com.au/account-application",
      "bank_last_updated": "2026-09-16T23:04:54.283289Z"
     },
     {
      "rank": 18,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "myBOQ Term Deposit",
      "product_label": "myBOQ Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/6db81f83-f265-f011-bec3-002248106111",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/6db81f83-f265-f011-bec3-002248106111.json",
      "product_url": "https://www.boq.com.au/personal/bank-and-save/term-deposits",
      "bank_last_updated": "2026-09-20T23:19:10Z"
     },
     {
      "rank": 19,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "12 Month Regular Income",
      "product_label": "12 Month Regular Income",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I3_TermDeposit_12mthIncome",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I3_TermDeposit_12mthIncome.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:59:19.000+10:00"
     },
     {
      "rank": 20,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To open an account, you must have a valid email address and an Australian mobile number.",
       "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD01.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD01.1.json",
      "product_url": "https://apply.heartlandbank.com.au/banking/HBSelfService/servletcontroller?ProductType=CBL_DEPOSIT_TERM_MB&CustomerType=Individual",
      "bank_last_updated": "2026-09-29T06:16:43Z"
     },
     {
      "rank": 21,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 22,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 23,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Standard Rate Term Deposit 1-12 months",
      "product_label": "Standard Rate Term Deposit 1-12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1000-0500",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1000-0500.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 24,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 25,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 26,
      "brand": "Australian Mutual Bank LTD",
      "brand_label": "Australian Mutual Bank",
      "brand_slug": "australian-mutual-bank-ltd",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": 90,
      "term_days_max": 119,
      "term_raw": "P119D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/74073f50-1e84-11f1-b37a-325096b39f47",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-mutual-bank-ltd/74073f50-1e84-11f1-b37a-325096b39f47.json",
      "product_url": "https://australianmutual.bank/banking/term-deposits/",
      "bank_last_updated": "2026-08-26T14:27:19.000+10:00"
     },
     {
      "rank": 27,
      "brand": "CommFCU",
      "brand_label": "Community First Bank",
      "brand_slug": "commfcu",
      "product_name": "TERM DEPOSITS - 3 TO 5 MONTHS INTEREST ON MATURITY",
      "product_label": "Term Deposit - 3 to 5 Months Interest on Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.01,
      "tier_max": 49999.0,
      "deposit_min": 5000.01,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/I3-TD-3-5-ANL",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commfcu/I3-TD-3-5-ANL.json",
      "product_url": "https://communityfirst.com.au/products/term-deposits",
      "bank_last_updated": "2026-06-12T11:11:19.000+10:00"
     },
     {
      "rank": 28,
      "brand": "Firefighters Mutual Bank",
      "brand_label": "Firefighters Mutual Bank",
      "brand_slug": "firefighters-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": 90,
      "term_days_max": 119,
      "term_raw": "P119D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/aa76cccb-0cf7-4330-8eb6-e2756aefce0e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/firefighters-mutual-bank/aa76cccb-0cf7-4330-8eb6-e2756aefce0e.json",
      "product_url": "https://www.fmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:15:19.000+10:00"
     },
     {
      "rank": 29,
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": 90,
      "term_days_max": 119,
      "term_raw": "P119D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/d45a38f4-5462-4883-8239-7eaea4e2871b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/health-professionals-bank/d45a38f4-5462-4883-8239-7eaea4e2871b.json",
      "product_url": "https://www.hpbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-14T09:14:44.000+10:00"
     },
     {
      "rank": 30,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": 61,
      "term_days_max": 92,
      "term_raw": "P92D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 31,
      "brand": "Teachers Mutual Bank",
      "brand_label": "Teachers Mutual Bank",
      "brand_slug": "teachers-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": 90,
      "term_days_max": 119,
      "term_raw": "P119D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/e556280d-1d2b-4fb1-b22f-151e8050bdda",
      "source_snapshot": "/au/finance/term-deposits/v1/source/teachers-mutual-bank/e556280d-1d2b-4fb1-b22f-151e8050bdda.json",
      "product_url": "https://www.tmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:18:27.000+10:00"
     },
     {
      "rank": 32,
      "brand": "UniBank",
      "brand_label": "UniBank",
      "brand_slug": "unibank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": 90,
      "term_days_max": 119,
      "term_raw": "P119D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unibank/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c.json",
      "product_url": "https://www.unibank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:25:09.000+10:00"
     },
     {
      "rank": 33,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 34,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 3 Months",
      "product_label": "Term Deposit - 3 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/3.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 35,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": 89,
      "term_days_max": 118,
      "term_raw": "P118D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 24999.99,
      "deposit_min": 5000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 36,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest @ Maturity",
      "product_label": "Term Investment - Interest @ Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3000",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3000.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-27T14:00:00Z"
     },
     {
      "rank": 37,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": 76,
      "term_days_max": 105,
      "term_raw": "P76D - P105D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 38,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "24 MONTHS",
      "product_label": "24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/24MTH_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/24MTH_TERM_DEPOSIT.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-07-02T11:03:33.000+10:00"
     },
     {
      "rank": 39,
      "brand": "QBANK",
      "brand_label": "QBank",
      "brand_slug": "qbank",
      "product_name": "Term Deposit 3 Month",
      "product_label": "Term Deposit 3 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": 10000.0,
      "tier_max": 99999.99,
      "deposit_min": 10000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You do not have to be a member of Qbank to hold a term deposit."
      ],
      "stacked_bonus": null,
      "source_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/I13_Term_3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qbank/I13_Term_3.json",
      "product_url": "https://www.qbank.com.au/products/accounts/term-deposits",
      "bank_last_updated": "2026-08-20T19:45:40.000+10:00"
     },
     {
      "rank": 40,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "Limited Offer 3 months",
      "product_label": "Limited Offer 3 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I2_1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I2_1.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:45:48.000+10:00"
     },
     {
      "rank": 41,
      "brand": "Horizon Bank",
      "brand_label": "Horizon Bank",
      "brand_slug": "horizon-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.044,
      "rate_pct": 4.4,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/I50_I500001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/horizon-bank/I50_I500001.json",
      "product_url": "https://horizonbank.com.au/forms/savings-account-or-term-deposit-application/",
      "bank_last_updated": "2026-08-17T17:59:37.000+10:00"
     },
     {
      "rank": 42,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Term Deposit 3 months",
      "product_label": "Term Deposit 3 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0435,
      "rate_pct": 4.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/204",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/204.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 43,
      "brand": "Australian Military Bank",
      "brand_label": "Australian Military Bank",
      "brand_slug": "australian-military-bank",
      "product_name": "Teen Plus",
      "product_label": "Teen Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.043,
      "rate_pct": 4.3,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 500.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 18 and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4f86dc3e-4af2-40a4-adcf-210d341f538f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-military-bank/4f86dc3e-4af2-40a4-adcf-210d341f538f.json",
      "product_url": "https://www.australianmilitarybank.com.au/term-deposits",
      "bank_last_updated": "2026-08-24T23:18:21.610306Z"
     },
     {
      "rank": 44,
      "brand": "Bank of China",
      "brand_label": "Bank of China",
      "brand_slug": "bank-of-china",
      "product_name": "Term Deposit AUD 3M",
      "product_label": "Term Deposit AUD 3M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.043,
      "rate_pct": 4.3,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "Term Deposit AUD 3M, rate apply for balance 5000 AUD and 4,999,999.99",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/55090507",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-china/55090507.json",
      "product_url": "https://www.bankofchina.com/au/en/pbservice/pb1/201712/t20171214_10912803.html",
      "bank_last_updated": "2026-03-27T14:00:32.000+11:00"
     },
     {
      "rank": 45,
      "brand": "Border Bank",
      "brand_label": "Border Bank",
      "brand_slug": "border-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.043,
      "rate_pct": 4.3,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/797f3952-486a-4683-9bcc-462ad80599fd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/border-bank/797f3952-486a-4683-9bcc-462ad80599fd.json",
      "product_url": "https://www.borderbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:29.599Z"
     },
     {
      "rank": 46,
      "brand": "Coastline Bank",
      "brand_label": "Coastline Bank",
      "brand_slug": "coastline-bank",
      "product_name": "I20 Term Deposit 3 Mths",
      "product_label": "I20 Term Deposit 3 Mths",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.043,
      "rate_pct": 4.3,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 24999.99,
      "deposit_min": 5000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "existing customers only",
       "new customers only",
       "Early Withdrawal: Withdrawals or transfers from the term deposit account before maturity are not permitted except in cases of hardship, for genuine needs and w…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.coastline.com.au/cds-au/v1/banking/products/6",
      "source_snapshot": "/au/finance/term-deposits/v1/source/coastline-bank/6.json",
      "product_url": "https://www.coastline.com.au/personal/fixed-term-deposits",
      "bank_last_updated": "2026-06-01T00:00:14.8436551Z"
     },
     {
      "rank": 47,
      "brand": "Police Bank",
      "brand_label": "Police Bank",
      "brand_slug": "police-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.043,
      "rate_pct": 4.3,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/934b3b27-224e-41b9-a827-2032ec619780",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-bank/934b3b27-224e-41b9-a827-2032ec619780.json",
      "product_url": "https://www.policebank.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:27.339Z"
     },
     {
      "rank": 48,
      "brand": "The Capricornian",
      "brand_label": "The Capricornian",
      "brand_slug": "the-capricornian",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": 250000.0,
      "tier_min": 5000.0,
      "tier_max": 250000.0,
      "deposit_min": 5000.0,
      "deposit_max": 250000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to individuals, companies and trust for personal or business use.",
       "Is currently, or wishes to become, a shareholding member of The Capricornian Ltd."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/4ecba156-6b32-420b-8946-3f32b7a0504f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-capricornian/4ecba156-6b32-420b-8946-3f32b7a0504f.json",
      "product_url": "https://www.capricornian.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-10-02T02:31:03.752887Z"
     },
     {
      "rank": 49,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "3 Month Term Deposit",
      "product_label": "3 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/88",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/88.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/standard-term-deposit/",
      "bank_last_updated": "2026-06-11T04:00:41.6927295Z"
     },
     {
      "rank": 50,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 51,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 3 Mth Capitalise",
      "product_label": "INV - 3 Mth Capitalise",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 2000.0,
      "tier_max": 49999.99,
      "deposit_min": 2000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/12",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/12.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-04-07T12:00:30.9645062Z"
     },
     {
      "rank": 52,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "& Retirement Term Deposit",
      "product_label": "& Retirement Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 55 and over",
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/13",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/13.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-06-28T16:00:22.3851793Z"
     },
     {
      "rank": 53,
      "brand": "Cairns bank",
      "brand_label": "Cairns Bank",
      "brand_slug": "cairns-bank",
      "product_name": "Term deposits 24mths under $500,000",
      "product_label": "Term Deposit 24mths Under $500,000",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/I1_24M_UNDER_500K",
      "source_snapshot": "/au/finance/term-deposits/v1/source/cairns-bank/I1_24M_UNDER_500K.json",
      "product_url": "https://cairnsbank.com.au/banking/personal-banking/term-deposit-account",
      "bank_last_updated": "2026-06-29T09:28:13.000+10:00"
     },
     {
      "rank": 54,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (28)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": 49999.0,
      "tier_min": 5000.0,
      "tier_max": 49999.0,
      "deposit_min": 5000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_3M_%245%2C000-%2449%2C999",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_3M__5_000-_49_999.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 55,
      "brand": "Geelong Bank",
      "brand_label": "Geelong Bank",
      "brand_slug": "geelong-bank",
      "product_name": "Three Month Term Deposit",
      "product_label": "Three Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.geelongbank.com.au/OpenBanking/cds-au/v1/banking/products/I3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/geelong-bank/I3.json",
      "product_url": "https://geelongbank.com.au/tools/forms/",
      "bank_last_updated": "2026-05-25T10:11:14.000+10:00"
     },
     {
      "rank": 56,
      "brand": "Hume Bank",
      "brand_label": "Hume Bank",
      "brand_slug": "hume-bank",
      "product_name": "Term Deposit Online 3M (Interest at Maturity)",
      "product_label": "Term Deposit Online 3M (Interest at Maturity)",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "personal eligibility inferred: the bank's feed tags every term deposit business-only"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/3M_Online",
      "source_snapshot": "/au/finance/term-deposits/v1/source/hume-bank/3M_Online.json",
      "product_url": "https://www.humebank.com.au/savings/term-deposits/",
      "bank_last_updated": "2026-09-17T20:46:56.000+10:00"
     },
     {
      "rank": 57,
      "brand": "Queensland Country Bank",
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "product_name": "FTD - Interest at Maturity",
      "product_label": "FTD - Interest at Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/40",
      "source_snapshot": "/au/finance/term-deposits/v1/source/queensland-country-bank/40.json",
      "product_url": "https://www.queenslandcountry.bank/banking/savings-accounts/term-deposits/",
      "bank_last_updated": "2026-10-02T14:00:24.0731915Z"
     },
     {
      "rank": 58,
      "brand": "gmcu",
      "brand_label": "GMCU",
      "brand_slug": "gmcu",
      "product_name": "Fixed Term Deposit - 3 to 5 months",
      "product_label": "Fixed Term Deposit - 3 to 5 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 100.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 3000000.0,
      "deposit_min": 4999.01,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must become a member. Visit our website for more details."
      ],
      "stacked_bonus": null,
      "source_url": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit_-_3_to_5_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gmcu/Term_Deposit_-_3_to_5_months.json",
      "product_url": "https://www.gmcu.com.au/banking/term-deposits/view-all-term-deposits/",
      "bank_last_updated": "2026-04-09T14:18:40.000+10:00"
     },
     {
      "rank": 59,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 60,
      "brand": "The Mac",
      "brand_label": "The Mac",
      "brand_slug": "the-mac",
      "product_name": "TERM SAVINGS I4",
      "product_label": "Term Savings I4",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/I4_TERMDEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-mac/I4_TERMDEPOSIT.json",
      "product_url": "https://themaccu.com.au/solutions/everyday-banking-investments/all-everyday-banking-investments/",
      "bank_last_updated": "2026-08-24T08:38:40.000+10:00"
     },
     {
      "rank": 61,
      "brand": "Laboratories Credit Union",
      "brand_label": "Laboratories Credit Union",
      "brand_slug": "laboratories-credit-union",
      "product_name": "Monthly Interest 12 Month Term Deposit",
      "product_label": "Monthly Interest 12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "monthly",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…",
       "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…"
      ],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/laboratories-credit-union/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS.json",
      "product_url": "https://join.lcu.com.au/getting-started",
      "bank_last_updated": "2026-10-02T14:13:39.000+10:00"
     },
     {
      "rank": 62,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 63,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": 90,
      "term_days_min": 90,
      "term_days_max": 90,
      "term_raw": "P90D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 64,
      "brand": "SWSbank",
      "brand_label": "SWS Bank",
      "brand_slug": "swsbank",
      "product_name": "3 Month Term Deposit",
      "product_label": "3 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/I3_TD_3Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/swsbank/I3_TD_3Months.json",
      "product_url": "https://swscu.apply-online.com.au/#/3e8f1c2b-4724-4a65-b5d0-2d7eaf64b99b",
      "bank_last_updated": "2026-05-11T16:49:14.000+10:00"
     },
     {
      "rank": 65,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "3M TO LESS THAN 6M",
      "product_label": "3M to Less Than 6M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/3M_TO_LESS_THAN_6M",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/3M_TO_LESS_THAN_6M.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/term-deposits/",
      "bank_last_updated": "2026-08-04T09:47:40.000+10:00"
     },
     {
      "rank": 66,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 67,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 68,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 19999.99,
      "deposit_min": 1000.0,
      "deposit_max": 19999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 69,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 70,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 71,
      "brand": "Broken Hill Bank",
      "brand_label": "Broken Hill Bank",
      "brand_slug": "broken-hill-bank",
      "product_name": "FTD - 2 to 5 Months",
      "product_label": "FTD - 2 to 5 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 499999.99,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/8",
      "source_snapshot": "/au/finance/term-deposits/v1/source/broken-hill-bank/8.json",
      "product_url": "https://brokenhill.bank/open-an-account",
      "bank_last_updated": "2026-06-11T02:00:18.8259621Z"
     },
     {
      "rank": 72,
      "brand": "Central Murray Bank",
      "brand_label": "Central Murray Bank",
      "brand_slug": "central-murray-bank",
      "product_name": "TERM DEPOSIT 3 MONTHS",
      "product_label": "Term Deposit 3 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 24999.99,
      "deposit_min": 10000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/I1_3month",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-murray-bank/I1_3month.json",
      "product_url": "https://www.centralmurray.bank/invest/",
      "bank_last_updated": "2026-05-20T14:02:39.000+10:00"
     },
     {
      "rank": 73,
      "brand": "Central West CUL",
      "brand_label": "Central West Credit Union",
      "brand_slug": "central-west-cul",
      "product_name": "$5000+ (3m to <6m) I6",
      "product_label": "$5000+ (3m to <6m) I6",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 90,
      "term_days_max": 179,
      "term_raw": "P179D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/I6_Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-west-cul/I6_Fixed_Term_Deposit.json",
      "product_url": "https://www.cwcu.com.au/savings/fixed-term-deposits",
      "bank_last_updated": "2026-04-30T16:39:16.000+10:00"
     },
     {
      "rank": 74,
      "brand": "Northern Inland Credit Union Limited",
      "brand_label": "Northern Inland Credit Union",
      "brand_slug": "northern-inland-credit-union-limited",
      "product_name": "3 MONTHS Term Deposit with interest paid at maturity/annually",
      "product_label": "3 MONTHS Term Deposit with Interest Paid at Maturity/annually",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": 249999.99,
      "tier_min": 10000.0,
      "tier_max": 24999.99,
      "deposit_min": 10000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUI13_STND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/northern-inland-credit-union-limited/NICUI13_STND.json",
      "product_url": "https://www.nicu.com.au/banking/banking-enquiry",
      "bank_last_updated": "2026-04-22T15:00:10.000+10:00"
     },
     {
      "rank": 75,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 76,
      "brand": "Fire Service Credit Union",
      "brand_label": "Fire Service Credit Union",
      "brand_slug": "fire-service-credit-union",
      "product_name": "I3 FTD 3 Months",
      "product_label": "I3 FTD 3 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0305,
      "rate_pct": 3.05,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 24999.0,
      "deposit_min": 5000.0,
      "deposit_max": 24999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/12",
      "source_snapshot": "/au/finance/term-deposits/v1/source/fire-service-credit-union/12.json",
      "product_url": "https://www.fscu.com.au/accounts/term-deposits/",
      "bank_last_updated": "2026-05-20T04:00:33.3305724Z"
     },
     {
      "rank": 77,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     },
     {
      "rank": 78,
      "brand": "Police Credit Union Ltd",
      "brand_label": "Police Credit Union",
      "brand_slug": "police-credit-union-ltd",
      "product_name": "YORKETOWN TERM DEPOSIT",
      "product_label": "Yorketown Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": 2500000.0,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/I76_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-credit-union-ltd/I76_TERM_DEPOSIT.json",
      "product_url": "https://www.policecu.com.au/rates/",
      "bank_last_updated": "2026-04-30T15:05:43.000+09:30"
     },
     {
      "rank": 79,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Bendigo Cash Solutions Term Deposit",
      "product_label": "Cash Solutions Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.028,
      "rate_pct": 2.8,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/b85e1a64-ee7f-475d-b2dd-c0de7b5504b7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/b85e1a64-ee7f-475d-b2dd-c0de7b5504b7.json",
      "product_url": null,
      "bank_last_updated": "2026-07-24T01:18:35.447Z"
     }
    ],
    "4": [
     {
      "rank": 1,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": 93,
      "term_days_max": 122,
      "term_raw": "P122D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 2,
      "brand": "Woolworths Team Bank",
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "product_name": "7 MONTHS",
      "product_label": "7 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 0.0,
      "tier_max": 1000000.0,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Woolworths Group Limited and Endeavour Group Limited team members, Immediate family members of Woolworths Group Limited and Endeavour Group Limited team member…"
      ],
      "stacked_bonus": null,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/7Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/woolworths-team-bank/7Months.json",
      "product_url": "https://woolworthsteambank.snapforms.com.au/form/term-deposit-form",
      "bank_last_updated": "2026-09-23T14:21:03.000+10:00"
     },
     {
      "rank": 3,
      "brand": "Border Bank",
      "brand_label": "Border Bank",
      "brand_slug": "border-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/797f3952-486a-4683-9bcc-462ad80599fd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/border-bank/797f3952-486a-4683-9bcc-462ad80599fd.json",
      "product_url": "https://www.borderbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:29.599Z"
     },
     {
      "rank": 4,
      "brand": "Police Bank",
      "brand_label": "Police Bank",
      "brand_slug": "police-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/934b3b27-224e-41b9-a827-2032ec619780",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-bank/934b3b27-224e-41b9-a827-2032ec619780.json",
      "product_url": "https://www.policebank.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:27.339Z"
     },
     {
      "rank": 5,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "120 Day Term Deposit",
      "product_label": "120 Day Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": 120,
      "term_days_min": 120,
      "term_days_max": 120,
      "term_raw": "P120D",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 9999999.99,
      "deposit_min": 500.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to members only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/27e18b2e-2328-41b1-99bf-46d42bbec54d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/27e18b2e-2328-41b1-99bf-46d42bbec54d.json",
      "product_url": "https://form.bankfirst.com.au/account-application",
      "bank_last_updated": "2026-09-16T23:04:15.135066Z"
     },
     {
      "rank": 6,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     },
     {
      "rank": 7,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Term Deposit 4 month",
      "product_label": "Term Deposit 4 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/284",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/284.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-05-20T00:00:00.000+10:00"
     },
     {
      "rank": 8,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 9,
      "brand": "BOQ Specialist",
      "brand_label": "BOQ Specialist",
      "brand_slug": "boq-specialist",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": 120,
      "term_days_min": 120,
      "term_days_max": 120,
      "term_raw": "P120D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 100000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 100000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively available to medical professionals and accountants"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/78906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/boq-specialist/78906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boqspecialist.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-21T00:19:38Z"
     },
     {
      "rank": 10,
      "brand": "ME Bank - ME Go",
      "brand_label": "ME Bank",
      "brand_slug": "me-bank-me-go",
      "product_name": "ME Go Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cds.mebank.com.au/cds-au/v1/banking/products/0f039bda-f265-f011-bec3-002248106111",
      "source_snapshot": "/au/finance/term-deposits/v1/source/me-bank-me-go/0f039bda-f265-f011-bec3-002248106111.json",
      "product_url": "https://www.mebank.com.au/term-deposits/",
      "bank_last_updated": "2026-09-20T22:59:11Z"
     },
     {
      "rank": 11,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 12,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "myBOQ Term Deposit",
      "product_label": "myBOQ Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/6db81f83-f265-f011-bec3-002248106111",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/6db81f83-f265-f011-bec3-002248106111.json",
      "product_url": "https://www.boq.com.au/personal/bank-and-save/term-deposits",
      "bank_last_updated": "2026-09-20T23:19:10Z"
     },
     {
      "rank": 13,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": 120,
      "term_days_min": 120,
      "term_days_max": 120,
      "term_raw": "P120D",
      "min_balance": 10000.0,
      "max_balance": 5000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an Australian resident for taxation purposes."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/26ab99ae-81ed-44d0-933f-b6d9f0f4b004",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/26ab99ae-81ed-44d0-933f-b6d9f0f4b004.json",
      "product_url": "https://www.ing.com.au/savings/term-deposit.html",
      "bank_last_updated": "2026-09-13T14:00:00.000Z"
     },
     {
      "rank": 14,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "12 Month Regular Income",
      "product_label": "12 Month Regular Income",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I3_TermDeposit_12mthIncome",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I3_TermDeposit_12mthIncome.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:59:19.000+10:00"
     },
     {
      "rank": 15,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "NATIONAL SENIORS TERM DEPOSIT",
      "product_label": "National Seniors Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 3000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through National Seniors Australia"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6f474df2-c438-4132-939f-9730d5e45165",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/6f474df2-c438-4132-939f-9730d5e45165.json",
      "product_url": "https://nationalseniors.com.au/services/financial/termdeposit",
      "bank_last_updated": "2026-09-29T09:16:28.000+10:00"
     },
     {
      "rank": 16,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 17,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Regular Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/8546b224-85ce-40b4-ba09-3390398b5c4e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/8546b224-85ce-40b4-ba09-3390398b5c4e.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.482282Z"
     },
     {
      "rank": 18,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 19,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 20,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": 119,
      "term_days_max": 148,
      "term_raw": "P148D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 24999.99,
      "deposit_min": 5000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 21,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 22,
      "brand": "Horizon Bank",
      "brand_label": "Horizon Bank",
      "brand_slug": "horizon-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.046,
      "rate_pct": 4.6,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/I50_I500001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/horizon-bank/I50_I500001.json",
      "product_url": "https://horizonbank.com.au/forms/savings-account-or-term-deposit-application/",
      "bank_last_updated": "2026-08-17T17:59:37.000+10:00"
     },
     {
      "rank": 23,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "4 Month Term Deposit",
      "product_label": "4 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0455,
      "rate_pct": 4.55,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/100",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/100.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/standard-term-deposit/",
      "bank_last_updated": "2026-06-11T04:00:41.6927295Z"
     },
     {
      "rank": 24,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 4 Months",
      "product_label": "Term Deposit - 4 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/4.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 25,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "24 MONTHS",
      "product_label": "24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/24MTH_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/24MTH_TERM_DEPOSIT.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-07-02T11:03:33.000+10:00"
     },
     {
      "rank": 26,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 27,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0445,
      "rate_pct": 4.45,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 19999.99,
      "deposit_min": 1000.0,
      "deposit_max": 19999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 28,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Standard Rate Term Deposit 1-12 months",
      "product_label": "Standard Rate Term Deposit 1-12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.044,
      "rate_pct": 4.4,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1000-0500",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1000-0500.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 29,
      "brand": "Australian Military Bank",
      "brand_label": "Australian Military Bank",
      "brand_slug": "australian-military-bank",
      "product_name": "Teen Plus",
      "product_label": "Teen Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.043,
      "rate_pct": 4.3,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 500.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 18 and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4f86dc3e-4af2-40a4-adcf-210d341f538f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-military-bank/4f86dc3e-4af2-40a4-adcf-210d341f538f.json",
      "product_url": "https://www.australianmilitarybank.com.au/term-deposits",
      "bank_last_updated": "2026-08-24T23:18:21.610306Z"
     },
     {
      "rank": 30,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "4 Month Term Deposit",
      "product_label": "4 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.043,
      "rate_pct": 4.3,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/24",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/24.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-06-28T16:00:22.3851793Z"
     },
     {
      "rank": 31,
      "brand": "Australian Mutual Bank LTD",
      "brand_label": "Australian Mutual Bank",
      "brand_slug": "australian-mutual-bank-ltd",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": 120,
      "term_days_max": 149,
      "term_raw": "P149D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/74073f50-1e84-11f1-b37a-325096b39f47",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-mutual-bank-ltd/74073f50-1e84-11f1-b37a-325096b39f47.json",
      "product_url": "https://australianmutual.bank/banking/term-deposits/",
      "bank_last_updated": "2026-08-26T14:27:19.000+10:00"
     },
     {
      "rank": 32,
      "brand": "Firefighters Mutual Bank",
      "brand_label": "Firefighters Mutual Bank",
      "brand_slug": "firefighters-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": 120,
      "term_days_max": 149,
      "term_raw": "P149D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/aa76cccb-0cf7-4330-8eb6-e2756aefce0e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/firefighters-mutual-bank/aa76cccb-0cf7-4330-8eb6-e2756aefce0e.json",
      "product_url": "https://www.fmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:15:19.000+10:00"
     },
     {
      "rank": 33,
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": 120,
      "term_days_max": 149,
      "term_raw": "P149D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/d45a38f4-5462-4883-8239-7eaea4e2871b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/health-professionals-bank/d45a38f4-5462-4883-8239-7eaea4e2871b.json",
      "product_url": "https://www.hpbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-14T09:14:44.000+10:00"
     },
     {
      "rank": 34,
      "brand": "Teachers Mutual Bank",
      "brand_label": "Teachers Mutual Bank",
      "brand_slug": "teachers-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": 120,
      "term_days_max": 149,
      "term_raw": "P149D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/e556280d-1d2b-4fb1-b22f-151e8050bdda",
      "source_snapshot": "/au/finance/term-deposits/v1/source/teachers-mutual-bank/e556280d-1d2b-4fb1-b22f-151e8050bdda.json",
      "product_url": "https://www.tmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:18:27.000+10:00"
     },
     {
      "rank": 35,
      "brand": "UniBank",
      "brand_label": "UniBank",
      "brand_slug": "unibank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": 120,
      "term_days_max": 149,
      "term_raw": "P149D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unibank/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c.json",
      "product_url": "https://www.unibank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:25:09.000+10:00"
     },
     {
      "rank": 36,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 37,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 5000.0,
      "tier_max": 99999.0,
      "deposit_min": 5000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 38,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.039,
      "rate_pct": 3.9,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 39,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.0,
      "deposit_min": 10000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 40,
      "brand": "Cairns bank",
      "brand_label": "Cairns Bank",
      "brand_slug": "cairns-bank",
      "product_name": "Term deposits 24mths under $500,000",
      "product_label": "Term Deposit 24mths Under $500,000",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/I1_24M_UNDER_500K",
      "source_snapshot": "/au/finance/term-deposits/v1/source/cairns-bank/I1_24M_UNDER_500K.json",
      "product_url": "https://cairnsbank.com.au/banking/personal-banking/term-deposit-account",
      "bank_last_updated": "2026-06-29T09:28:13.000+10:00"
     },
     {
      "rank": 41,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest @ Maturity",
      "product_label": "Term Investment - Interest @ Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3000",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3000.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-27T14:00:00Z"
     },
     {
      "rank": 42,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": 106,
      "term_days_max": 135,
      "term_raw": "P106D - P135D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 43,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 5000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/bd41ed42-262c-4445-a7f6-f3b61314ec0c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/bd41ed42-262c-4445-a7f6-f3b61314ec0c.json",
      "product_url": "https://www.bendigobank.com.au/personal/term-deposits/term-deposit-enquiry/",
      "bank_last_updated": "2026-09-24T14:32:23.011Z"
     },
     {
      "rank": 44,
      "brand": "Queensland Country Bank",
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "product_name": "FTD - Interest at Maturity",
      "product_label": "FTD - Interest at Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/40",
      "source_snapshot": "/au/finance/term-deposits/v1/source/queensland-country-bank/40.json",
      "product_url": "https://www.queenslandcountry.bank/banking/savings-accounts/term-deposits/",
      "bank_last_updated": "2026-10-02T14:00:24.0731915Z"
     },
     {
      "rank": 45,
      "brand": "gmcu",
      "brand_label": "GMCU",
      "brand_slug": "gmcu",
      "product_name": "Fixed Term Deposit - 3 to 5 months",
      "product_label": "Fixed Term Deposit - 3 to 5 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 100.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 3000000.0,
      "deposit_min": 4999.01,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must become a member. Visit our website for more details."
      ],
      "stacked_bonus": null,
      "source_url": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit_-_3_to_5_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gmcu/Term_Deposit_-_3_to_5_months.json",
      "product_url": "https://www.gmcu.com.au/banking/term-deposits/view-all-term-deposits/",
      "bank_last_updated": "2026-04-09T14:18:40.000+10:00"
     },
     {
      "rank": 46,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (32)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": 49999.0,
      "tier_min": 5000.0,
      "tier_max": 49999.0,
      "deposit_min": 5000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_4M_%245%2C000-%2449%2C999",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_4M__5_000-_49_999.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 47,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 48,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 49,
      "brand": "Laboratories Credit Union",
      "brand_label": "Laboratories Credit Union",
      "brand_slug": "laboratories-credit-union",
      "product_name": "Monthly Interest 12 Month Term Deposit",
      "product_label": "Monthly Interest 12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "monthly",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…",
       "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…"
      ],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/laboratories-credit-union/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS.json",
      "product_url": "https://join.lcu.com.au/getting-started",
      "bank_last_updated": "2026-10-02T14:13:39.000+10:00"
     },
     {
      "rank": 50,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 51,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 52,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 53,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 54,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 55,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 56,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "3M TO LESS THAN 6M",
      "product_label": "3M to Less Than 6M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/3M_TO_LESS_THAN_6M",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/3M_TO_LESS_THAN_6M.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/term-deposits/",
      "bank_last_updated": "2026-08-04T09:47:40.000+10:00"
     },
     {
      "rank": 57,
      "brand": "Broken Hill Bank",
      "brand_label": "Broken Hill Bank",
      "brand_slug": "broken-hill-bank",
      "product_name": "FTD - 2 to 5 Months",
      "product_label": "FTD - 2 to 5 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 499999.99,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/8",
      "source_snapshot": "/au/finance/term-deposits/v1/source/broken-hill-bank/8.json",
      "product_url": "https://brokenhill.bank/open-an-account",
      "bank_last_updated": "2026-06-11T02:00:18.8259621Z"
     },
     {
      "rank": 58,
      "brand": "Central Murray Bank",
      "brand_label": "Central Murray Bank",
      "brand_slug": "central-murray-bank",
      "product_name": "TERM DEPOSIT 4 MONTHS",
      "product_label": "Term Deposit 4 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 24999.99,
      "deposit_min": 10000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/I8_4month",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-murray-bank/I8_4month.json",
      "product_url": "https://www.centralmurray.bank/invest/term-deposits/",
      "bank_last_updated": "2026-05-20T14:02:39.000+10:00"
     },
     {
      "rank": 59,
      "brand": "Central West CUL",
      "brand_label": "Central West Credit Union",
      "brand_slug": "central-west-cul",
      "product_name": "$5000+ (3m to <6m) I6",
      "product_label": "$5000+ (3m to <6m) I6",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 90,
      "term_days_max": 179,
      "term_raw": "P179D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/I6_Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-west-cul/I6_Fixed_Term_Deposit.json",
      "product_url": "https://www.cwcu.com.au/savings/fixed-term-deposits",
      "bank_last_updated": "2026-04-30T16:39:16.000+10:00"
     },
     {
      "rank": 60,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "3-5 months <$25K",
      "product_label": "3-5 Months <$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.026,
      "rate_pct": 2.6,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 24999.99,
      "deposit_min": 1000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_1.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 61,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.015,
      "rate_pct": 1.5,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M/P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 62,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 4 Months",
      "product_label": "Package TD 4 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.008,
      "rate_pct": 0.8,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/25",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/25.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     },
     {
      "rank": 63,
      "brand": "Bank of China",
      "brand_label": "Bank of China",
      "brand_slug": "bank-of-china",
      "product_name": "Term Deposit AUD 4M",
      "product_label": "Term Deposit AUD 4M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.005,
      "rate_pct": 0.5,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "Term Deposit AUD 4M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/55090851",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-china/55090851.json",
      "product_url": "https://www.bankofchina.com/au/en/pbservice/pb1/201712/t20171214_10912803.html",
      "bank_last_updated": "2026-03-10T17:00:00.000+11:00"
     }
    ],
    "5": [
     {
      "rank": 1,
      "brand": "Woolworths Team Bank",
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "product_name": "7 MONTHS",
      "product_label": "7 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 0.0,
      "tier_max": 1000000.0,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Woolworths Group Limited and Endeavour Group Limited team members, Immediate family members of Woolworths Group Limited and Endeavour Group Limited team member…"
      ],
      "stacked_bonus": null,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/7Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/woolworths-team-bank/7Months.json",
      "product_url": "https://woolworthsteambank.snapforms.com.au/form/term-deposit-form",
      "bank_last_updated": "2026-09-23T14:21:03.000+10:00"
     },
     {
      "rank": 2,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 3,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.0,
      "deposit_min": 10000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 4,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "Term Deposit 5 Months",
      "product_label": "Term Deposit 5 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I20_Term_Deposit_5_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I20_Term_Deposit_5_months.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:55:48.000+10:00"
     },
     {
      "rank": 5,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 6,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "5 Month Term Deposit",
      "product_label": "5 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/25",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/25.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-08-24T00:00:23.3443857Z"
     },
     {
      "rank": 7,
      "brand": "Queensland Country Bank",
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "product_name": "Special 5 month",
      "product_label": "Special 5 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/75",
      "source_snapshot": "/au/finance/term-deposits/v1/source/queensland-country-bank/75.json",
      "product_url": "https://www.queenslandcountry.bank/banking/savings-accounts/term-deposits/",
      "bank_last_updated": "2026-10-02T14:00:24.0731915Z"
     },
     {
      "rank": 8,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "NATIONAL SENIORS TERM DEPOSIT",
      "product_label": "National Seniors Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 3000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through National Seniors Australia"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6f474df2-c438-4132-939f-9730d5e45165",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/6f474df2-c438-4132-939f-9730d5e45165.json",
      "product_url": "https://nationalseniors.com.au/services/financial/termdeposit",
      "bank_last_updated": "2026-09-29T09:16:28.000+10:00"
     },
     {
      "rank": 9,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 10,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 123,
      "term_days_max": 153,
      "term_raw": "P153D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 11,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Regular Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/8546b224-85ce-40b4-ba09-3390398b5c4e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/8546b224-85ce-40b4-ba09-3390398b5c4e.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.482282Z"
     },
     {
      "rank": 12,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "5 Month Term Deposit",
      "product_label": "5 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/101",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/101.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/standard-term-deposit/",
      "bank_last_updated": "2026-08-24T00:00:53.9498705Z"
     },
     {
      "rank": 13,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 149,
      "term_days_max": 178,
      "term_raw": "P178D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 24999.99,
      "deposit_min": 5000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 14,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Term Deposit 5 month",
      "product_label": "Term Deposit 5 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/285",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/285.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 15,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 16,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Standard Rate Term Deposit 1-12 months",
      "product_label": "Standard Rate Term Deposit 1-12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0455,
      "rate_pct": 4.55,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1000-0500",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1000-0500.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 17,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 5 Months",
      "product_label": "Term Deposit - 5 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/5.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 18,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "24 MONTHS",
      "product_label": "24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/24MTH_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/24MTH_TERM_DEPOSIT.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-07-02T11:03:33.000+10:00"
     },
     {
      "rank": 19,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 19999.99,
      "deposit_min": 1000.0,
      "deposit_max": 19999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 20,
      "brand": "Australian Military Bank",
      "brand_label": "Australian Military Bank",
      "brand_slug": "australian-military-bank",
      "product_name": "Teen Plus",
      "product_label": "Teen Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.043,
      "rate_pct": 4.3,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 500.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 18 and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4f86dc3e-4af2-40a4-adcf-210d341f538f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-military-bank/4f86dc3e-4af2-40a4-adcf-210d341f538f.json",
      "product_url": "https://www.australianmilitarybank.com.au/term-deposits",
      "bank_last_updated": "2026-08-24T23:18:21.610306Z"
     },
     {
      "rank": 21,
      "brand": "Border Bank",
      "brand_label": "Border Bank",
      "brand_slug": "border-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.043,
      "rate_pct": 4.3,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/797f3952-486a-4683-9bcc-462ad80599fd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/border-bank/797f3952-486a-4683-9bcc-462ad80599fd.json",
      "product_url": "https://www.borderbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:29.599Z"
     },
     {
      "rank": 22,
      "brand": "Police Bank",
      "brand_label": "Police Bank",
      "brand_slug": "police-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.043,
      "rate_pct": 4.3,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/934b3b27-224e-41b9-a827-2032ec619780",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-bank/934b3b27-224e-41b9-a827-2032ec619780.json",
      "product_url": "https://www.policebank.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:27.339Z"
     },
     {
      "rank": 23,
      "brand": "Australian Mutual Bank LTD",
      "brand_label": "Australian Mutual Bank",
      "brand_slug": "australian-mutual-bank-ltd",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 150,
      "term_days_max": 179,
      "term_raw": "P179D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/74073f50-1e84-11f1-b37a-325096b39f47",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-mutual-bank-ltd/74073f50-1e84-11f1-b37a-325096b39f47.json",
      "product_url": "https://australianmutual.bank/banking/term-deposits/",
      "bank_last_updated": "2026-08-26T14:27:19.000+10:00"
     },
     {
      "rank": 24,
      "brand": "Firefighters Mutual Bank",
      "brand_label": "Firefighters Mutual Bank",
      "brand_slug": "firefighters-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 150,
      "term_days_max": 179,
      "term_raw": "P179D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/aa76cccb-0cf7-4330-8eb6-e2756aefce0e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/firefighters-mutual-bank/aa76cccb-0cf7-4330-8eb6-e2756aefce0e.json",
      "product_url": "https://www.fmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:15:19.000+10:00"
     },
     {
      "rank": 25,
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 150,
      "term_days_max": 179,
      "term_raw": "P179D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/d45a38f4-5462-4883-8239-7eaea4e2871b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/health-professionals-bank/d45a38f4-5462-4883-8239-7eaea4e2871b.json",
      "product_url": "https://www.hpbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-14T09:14:44.000+10:00"
     },
     {
      "rank": 26,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 27,
      "brand": "Teachers Mutual Bank",
      "brand_label": "Teachers Mutual Bank",
      "brand_slug": "teachers-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 150,
      "term_days_max": 179,
      "term_raw": "P179D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/e556280d-1d2b-4fb1-b22f-151e8050bdda",
      "source_snapshot": "/au/finance/term-deposits/v1/source/teachers-mutual-bank/e556280d-1d2b-4fb1-b22f-151e8050bdda.json",
      "product_url": "https://www.tmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:18:27.000+10:00"
     },
     {
      "rank": 28,
      "brand": "UniBank",
      "brand_label": "UniBank",
      "brand_slug": "unibank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 150,
      "term_days_max": 179,
      "term_raw": "P179D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unibank/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c.json",
      "product_url": "https://www.unibank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:25:09.000+10:00"
     },
     {
      "rank": 29,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 30,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 31,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.039,
      "rate_pct": 3.9,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 32,
      "brand": "Cairns bank",
      "brand_label": "Cairns Bank",
      "brand_slug": "cairns-bank",
      "product_name": "Term deposits 24mths under $500,000",
      "product_label": "Term Deposit 24mths Under $500,000",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/I1_24M_UNDER_500K",
      "source_snapshot": "/au/finance/term-deposits/v1/source/cairns-bank/I1_24M_UNDER_500K.json",
      "product_url": "https://cairnsbank.com.au/banking/personal-banking/term-deposit-account",
      "bank_last_updated": "2026-06-29T09:28:13.000+10:00"
     },
     {
      "rank": 33,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest @ Maturity",
      "product_label": "Term Investment - Interest @ Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3000",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3000.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-27T14:00:00Z"
     },
     {
      "rank": 34,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 136,
      "term_days_max": 165,
      "term_raw": "P136D - P165D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 35,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 5000.0,
      "tier_max": 99999.0,
      "deposit_min": 5000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 36,
      "brand": "gmcu",
      "brand_label": "GMCU",
      "brand_slug": "gmcu",
      "product_name": "Fixed Term Deposit - 3 to 5 months",
      "product_label": "Fixed Term Deposit - 3 to 5 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 100.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 3000000.0,
      "deposit_min": 4999.01,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must become a member. Visit our website for more details."
      ],
      "stacked_bonus": null,
      "source_url": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit_-_3_to_5_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gmcu/Term_Deposit_-_3_to_5_months.json",
      "product_url": "https://www.gmcu.com.au/banking/term-deposits/view-all-term-deposits/",
      "bank_last_updated": "2026-04-09T14:18:40.000+10:00"
     },
     {
      "rank": 37,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 38,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (36)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": 49999.0,
      "tier_min": 5000.0,
      "tier_max": 49999.0,
      "deposit_min": 5000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_5M_%245%2C000-%2449%2C999",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_5M__5_000-_49_999.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 39,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 40,
      "brand": "Laboratories Credit Union",
      "brand_label": "Laboratories Credit Union",
      "brand_slug": "laboratories-credit-union",
      "product_name": "Monthly Interest 12 Month Term Deposit",
      "product_label": "Monthly Interest 12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "monthly",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…",
       "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…"
      ],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/laboratories-credit-union/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS.json",
      "product_url": "https://join.lcu.com.au/getting-started",
      "bank_last_updated": "2026-10-02T14:13:39.000+10:00"
     },
     {
      "rank": 41,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0345,
      "rate_pct": 3.45,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 42,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0345,
      "rate_pct": 3.45,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 43,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0345,
      "rate_pct": 3.45,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 44,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0345,
      "rate_pct": 3.45,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 45,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 46,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 47,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "3M TO LESS THAN 6M",
      "product_label": "3M to Less Than 6M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/3M_TO_LESS_THAN_6M",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/3M_TO_LESS_THAN_6M.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/term-deposits/",
      "bank_last_updated": "2026-08-04T09:47:40.000+10:00"
     },
     {
      "rank": 48,
      "brand": "Broken Hill Bank",
      "brand_label": "Broken Hill Bank",
      "brand_slug": "broken-hill-bank",
      "product_name": "FTD - 2 to 5 Months",
      "product_label": "FTD - 2 to 5 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 499999.99,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/8",
      "source_snapshot": "/au/finance/term-deposits/v1/source/broken-hill-bank/8.json",
      "product_url": "https://brokenhill.bank/open-an-account",
      "bank_last_updated": "2026-06-11T02:00:18.8259621Z"
     },
     {
      "rank": 49,
      "brand": "Central West CUL",
      "brand_label": "Central West Credit Union",
      "brand_slug": "central-west-cul",
      "product_name": "$5000+ (3m to <6m) I6",
      "product_label": "$5000+ (3m to <6m) I6",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 90,
      "term_days_max": 179,
      "term_raw": "P179D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/I6_Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-west-cul/I6_Fixed_Term_Deposit.json",
      "product_url": "https://www.cwcu.com.au/savings/fixed-term-deposits",
      "bank_last_updated": "2026-04-30T16:39:16.000+10:00"
     },
     {
      "rank": 50,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     },
     {
      "rank": 51,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.029,
      "rate_pct": 2.9,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 5000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/bd41ed42-262c-4445-a7f6-f3b61314ec0c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/bd41ed42-262c-4445-a7f6-f3b61314ec0c.json",
      "product_url": "https://www.bendigobank.com.au/personal/term-deposits/term-deposit-enquiry/",
      "bank_last_updated": "2026-09-24T14:32:23.011Z"
     },
     {
      "rank": 52,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "3-5 months <$25K",
      "product_label": "3-5 Months <$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.026,
      "rate_pct": 2.6,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 24999.99,
      "deposit_min": 1000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_1.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 53,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.015,
      "rate_pct": 1.5,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M/P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 54,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0125,
      "rate_pct": 1.25,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 150,
      "term_days_max": 180,
      "term_raw": "P150D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 55,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 5 Months",
      "product_label": "Package TD 5 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.008,
      "rate_pct": 0.8,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/26",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/26.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "6": [
     {
      "rank": 1,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 6 Months",
      "product_label": "Package TD 6 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/27",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/27.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-09-09T02:00:32.1081640Z"
     },
     {
      "rank": 2,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To open an account, you must have a valid email address and an Australian mobile number.",
       "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD01.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD01.1.json",
      "product_url": "https://apply.heartlandbank.com.au/banking/HBSelfService/servletcontroller?ProductType=CBL_DEPOSIT_TERM_MB&CustomerType=Individual",
      "bank_last_updated": "2026-09-29T06:16:43Z"
     },
     {
      "rank": 3,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 4,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 5,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Impact Term Deposit 6 months",
      "product_label": "Impact Term Deposit 6 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/ad7a95c3-cdf1-4869-9d1e-6cc956b3ed75",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/ad7a95c3-cdf1-4869-9d1e-6cc956b3ed75.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=217",
      "bank_last_updated": "2026-08-31T22:00:26.705Z"
     },
     {
      "rank": 6,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "180 Day Term Deposit",
      "product_label": "180 Day Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": 180,
      "term_days_min": 180,
      "term_days_max": 180,
      "term_raw": "P180D",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 9999999.99,
      "deposit_min": 500.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to members only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/d48b0450-fa9e-4c36-9277-04b37e76ae75",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/d48b0450-fa9e-4c36-9277-04b37e76ae75.json",
      "product_url": "https://form.bankfirst.com.au/account-application",
      "bank_last_updated": "2026-09-16T23:04:21.814888Z"
     },
     {
      "rank": 7,
      "brand": "Qudos Bank",
      "brand_label": "Qudos Bank",
      "brand_slug": "qudos-bank",
      "product_name": "Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products/f435abef-eaed-4d9f-a535-5c2925645472",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qudos-bank/f435abef-eaed-4d9f-a535-5c2925645472.json",
      "product_url": "https://www.qudosbank.com.au/products/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T22:00:26.783Z"
     },
     {
      "rank": 8,
      "brand": "Woolworths Team Bank",
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "product_name": "7 MONTHS",
      "product_label": "7 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 0.0,
      "tier_max": 1000000.0,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Woolworths Group Limited and Endeavour Group Limited team members, Immediate family members of Woolworths Group Limited and Endeavour Group Limited team member…"
      ],
      "stacked_bonus": null,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/7Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/woolworths-team-bank/7Months.json",
      "product_url": "https://woolworthsteambank.snapforms.com.au/form/term-deposit-form",
      "bank_last_updated": "2026-09-23T14:21:03.000+10:00"
     },
     {
      "rank": 9,
      "brand": "ME Bank - ME Go",
      "brand_label": "ME Bank",
      "brand_slug": "me-bank-me-go",
      "product_name": "ME Go Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cds.mebank.com.au/cds-au/v1/banking/products/0f039bda-f265-f011-bec3-002248106111",
      "source_snapshot": "/au/finance/term-deposits/v1/source/me-bank-me-go/0f039bda-f265-f011-bec3-002248106111.json",
      "product_url": "https://www.mebank.com.au/term-deposits/",
      "bank_last_updated": "2026-09-20T22:59:11Z"
     },
     {
      "rank": 10,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "6 Month Term Deposit",
      "product_label": "6 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/102",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/102.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/standard-term-deposit/",
      "bank_last_updated": "2026-08-24T00:00:53.9498705Z"
     },
     {
      "rank": 11,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 12,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "myBOQ Term Deposit",
      "product_label": "myBOQ Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/6db81f83-f265-f011-bec3-002248106111",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/6db81f83-f265-f011-bec3-002248106111.json",
      "product_url": "https://www.boq.com.au/personal/bank-and-save/term-deposits",
      "bank_last_updated": "2026-09-20T23:19:10Z"
     },
     {
      "rank": 13,
      "brand": "Geelong Bank",
      "brand_label": "Geelong Bank",
      "brand_slug": "geelong-bank",
      "product_name": "Six Month term deposit",
      "product_label": "Six Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.geelongbank.com.au/OpenBanking/cds-au/v1/banking/products/I6",
      "source_snapshot": "/au/finance/term-deposits/v1/source/geelong-bank/I6.json",
      "product_url": "https://geelongbank.com.au/tools/forms/",
      "bank_last_updated": "2026-07-20T17:40:30.000+10:00"
     },
     {
      "rank": 14,
      "brand": "Hume Bank",
      "brand_label": "Hume Bank",
      "brand_slug": "hume-bank",
      "product_name": "Term Deposit Online 6M (Interest at Maturity)",
      "product_label": "Term Deposit Online 6M (Interest at Maturity)",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "personal eligibility inferred: the bank's feed tags every term deposit business-only"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/6M_Online",
      "source_snapshot": "/au/finance/term-deposits/v1/source/hume-bank/6M_Online.json",
      "product_url": "https://www.humebank.com.au/savings/term-deposits/",
      "bank_last_updated": "2026-09-17T20:46:56.000+10:00"
     },
     {
      "rank": 15,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": 180,
      "term_days_min": 180,
      "term_days_max": 180,
      "term_raw": "P180D",
      "min_balance": 10000.0,
      "max_balance": 5000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an Australian resident for taxation purposes."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/26ab99ae-81ed-44d0-933f-b6d9f0f4b004",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/26ab99ae-81ed-44d0-933f-b6d9f0f4b004.json",
      "product_url": "https://www.ing.com.au/savings/term-deposit.html",
      "bank_last_updated": "2026-09-13T14:00:00.000Z"
     },
     {
      "rank": 16,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 17,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": 154,
      "term_days_max": 183,
      "term_raw": "P183D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 18,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "E&P - Regular Term Deposit",
      "product_label": "E&P - Regular Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through Evans & Partners."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/1f5230e2-e251-4a80-a827-65f136e5d489",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/1f5230e2-e251-4a80-a827-65f136e5d489.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.411989Z"
     },
     {
      "rank": 19,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "6 Month Term Deposit",
      "product_label": "6 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/26",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/26.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-08-24T00:00:23.3443857Z"
     },
     {
      "rank": 20,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 21,
      "brand": "AMP Bank GO",
      "brand_label": "AMP Bank GO",
      "brand_slug": "amp-bank-go",
      "product_name": "AMP Bank GO 6 Month Term Deposit",
      "product_label": "6 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Customers must have an active AMP Bank GO Everyday Account in order to open an AMP Bank GO Personal Term Deposit: Linked Transaction Account"
      ],
      "stacked_bonus": null,
      "source_url": "https://pub.cdr-sme.amp.com.au/api/cds-au/v1/banking/products/5c934a68-1993-40ce-b8b8-15b9ac13a874",
      "source_snapshot": "/au/finance/term-deposits/v1/source/amp-bank-go/5c934a68-1993-40ce-b8b8-15b9ac13a874.json",
      "product_url": "https://www.amp.com.au/personal-banking/everyday-money",
      "bank_last_updated": "2026-09-28T00:34:51.421Z"
     },
     {
      "rank": 22,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.0,
      "deposit_min": 10000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 23,
      "brand": "BOQ Specialist",
      "brand_label": "BOQ Specialist",
      "brand_slug": "boq-specialist",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": 180,
      "term_days_min": 180,
      "term_days_max": 180,
      "term_raw": "P180D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 100000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 100000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively available to medical professionals and accountants"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/78906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/boq-specialist/78906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boqspecialist.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-21T00:19:38Z"
     },
     {
      "rank": 24,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 25,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "Term Deposit 6 Months",
      "product_label": "Term Deposit 6 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I20_Term_Deposit_6_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I20_Term_Deposit_6_months.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:55:48.000+10:00"
     },
     {
      "rank": 26,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "6 Month Fixed Term",
      "product_label": "6 Month Fixed Term",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 2000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/6MTH_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/6MTH_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-16T10:53:34.000+10:00"
     },
     {
      "rank": 27,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest @ Maturity",
      "product_label": "Term Investment - Interest @ Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3000",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3000.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-27T14:00:00Z"
     },
     {
      "rank": 28,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": 166,
      "term_days_max": 195,
      "term_raw": "P166D - P195D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 29,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 30,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "NATIONAL SENIORS TERM DEPOSIT",
      "product_label": "National Seniors Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 3000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through National Seniors Australia"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6f474df2-c438-4132-939f-9730d5e45165",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/6f474df2-c438-4132-939f-9730d5e45165.json",
      "product_url": "https://nationalseniors.com.au/services/financial/termdeposit",
      "bank_last_updated": "2026-09-29T09:16:28.000+10:00"
     },
     {
      "rank": 31,
      "brand": "Bank of China",
      "brand_label": "Bank of China",
      "brand_slug": "bank-of-china",
      "product_name": "Term Deposit AUD 6M",
      "product_label": "Term Deposit AUD 6M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "Term Deposit AUD 6M, rate apply for balance 5000 AUD and 4,999,999.99",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/55090508",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-china/55090508.json",
      "product_url": "https://www.bankofchina.com/au/en/pbservice/pb1/201712/t20171214_10912803.html",
      "bank_last_updated": "2026-09-15T14:00:21.000+10:00"
     },
     {
      "rank": 32,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": 179,
      "term_days_max": 208,
      "term_raw": "P208D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 24999.99,
      "deposit_min": 5000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 33,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 34,
      "brand": "CommFCU",
      "brand_label": "Community First Bank",
      "brand_slug": "commfcu",
      "product_name": "TERM DEPOSITS - 6 TO 11 MONTHS INTEREST ON MATURITY",
      "product_label": "Term Deposit - 6 to 11 Months Interest on Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.01,
      "tier_max": 49999.99,
      "deposit_min": 5000.01,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/I6-TD-6-11-ANL",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commfcu/I6-TD-6-11-ANL.json",
      "product_url": "https://communityfirst.com.au/products/term-deposits",
      "bank_last_updated": "2026-06-12T11:11:19.000+10:00"
     },
     {
      "rank": 35,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (40)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": 49999.0,
      "tier_min": 5000.0,
      "tier_max": 49999.0,
      "deposit_min": 5000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_6M_%245%2C000-%2449%2C999",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_6M__5_000-_49_999.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 36,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 6 Months",
      "product_label": "Term Deposit - 6 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/6",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/6.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 37,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Standard Rate Term Deposit 1-12 months",
      "product_label": "Standard Rate Term Deposit 1-12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1000-0500",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1000-0500.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 38,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 39,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 40,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "Limited Offer 6 months",
      "product_label": "Limited Offer 6 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I2_6",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I2_6.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:45:48.000+10:00"
     },
     {
      "rank": 41,
      "brand": "gmcu",
      "brand_label": "GMCU",
      "brand_slug": "gmcu",
      "product_name": "Fixed Term Deposit - 6 to 8 months",
      "product_label": "Fixed Term Deposit - 6 to 8 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 100.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 2000000.0,
      "deposit_min": 4999.01,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must become a member. Visit our website for more details."
      ],
      "stacked_bonus": null,
      "source_url": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Term_deposit_-_6_to_8_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gmcu/Term_deposit_-_6_to_8_months.json",
      "product_url": "https://www.gmcu.com.au/banking/term-deposits/view-all-term-deposits/",
      "bank_last_updated": "2026-08-17T15:40:30.000+10:00"
     },
     {
      "rank": 42,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…",
       "online only",
       "SMSF only",
       "Special Rate for online origination for SMSF customers. Available on balances from $5,000 to $5,000,000. Offer available for a limited time only. Please visit……"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 43,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 44,
      "brand": "Coastline Bank",
      "brand_label": "Coastline Bank",
      "brand_slug": "coastline-bank",
      "product_name": "I50 Gold Mbr Ftd 6 Mths",
      "product_label": "I50 Gold Mbr Ftd 6 Mths",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 24999.99,
      "deposit_min": 5000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 50 and over",
       "existing customers only",
       "new customers only",
       "Early Withdrawal: Withdrawals or transfers from the term deposit account before maturity are not permitted except in cases of hardship, for genuine needs and w…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.coastline.com.au/cds-au/v1/banking/products/10",
      "source_snapshot": "/au/finance/term-deposits/v1/source/coastline-bank/10.json",
      "product_url": "https://www.coastline.com.au/personal/gold-benefits-club",
      "bank_last_updated": "2026-09-14T00:00:16.2552749Z"
     },
     {
      "rank": 45,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 46,
      "brand": "Border Bank",
      "brand_label": "Border Bank",
      "brand_slug": "border-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/797f3952-486a-4683-9bcc-462ad80599fd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/border-bank/797f3952-486a-4683-9bcc-462ad80599fd.json",
      "product_url": "https://www.borderbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:29.599Z"
     },
     {
      "rank": 47,
      "brand": "Police Bank",
      "brand_label": "Police Bank",
      "brand_slug": "police-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/934b3b27-224e-41b9-a827-2032ec619780",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-bank/934b3b27-224e-41b9-a827-2032ec619780.json",
      "product_url": "https://www.policebank.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:27.339Z"
     },
     {
      "rank": 48,
      "brand": "The Capricornian",
      "brand_label": "The Capricornian",
      "brand_slug": "the-capricornian",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": 250000.0,
      "tier_min": 5000.0,
      "tier_max": 250000.0,
      "deposit_min": 5000.0,
      "deposit_max": 250000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to individuals, companies and trust for personal or business use.",
       "Is currently, or wishes to become, a shareholding member of The Capricornian Ltd."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/4ecba156-6b32-420b-8946-3f32b7a0504f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-capricornian/4ecba156-6b32-420b-8946-3f32b7a0504f.json",
      "product_url": "https://www.capricornian.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-10-02T02:31:03.752887Z"
     },
     {
      "rank": 49,
      "brand": "Horizon Bank",
      "brand_label": "Horizon Bank",
      "brand_slug": "horizon-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/I50_I500001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/horizon-bank/I50_I500001.json",
      "product_url": "https://horizonbank.com.au/forms/savings-account-or-term-deposit-application/",
      "bank_last_updated": "2026-08-17T17:59:37.000+10:00"
     },
     {
      "rank": 50,
      "brand": "QBANK",
      "brand_label": "QBank",
      "brand_slug": "qbank",
      "product_name": "Term Deposit 6 Month",
      "product_label": "Term Deposit 6 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": 10000.0,
      "tier_max": 99999.99,
      "deposit_min": 10000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You do not have to be a member of Qbank to hold a term deposit."
      ],
      "stacked_bonus": null,
      "source_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/I14_Term_6",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qbank/I14_Term_6.json",
      "product_url": "https://www.qbank.com.au/products/accounts/term-deposits",
      "bank_last_updated": "2026-08-20T19:48:48.000+10:00"
     },
     {
      "rank": 51,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 5000.0,
      "tier_max": 99999.0,
      "deposit_min": 5000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 52,
      "brand": "The Mac",
      "brand_label": "The Mac",
      "brand_slug": "the-mac",
      "product_name": "TERM SAVINGS I4",
      "product_label": "Term Savings I4",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/I4_TERMDEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-mac/I4_TERMDEPOSIT.json",
      "product_url": "https://themaccu.com.au/solutions/everyday-banking-investments/all-everyday-banking-investments/",
      "bank_last_updated": "2026-08-24T08:38:40.000+10:00"
     },
     {
      "rank": 53,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Term Deposit 6 months",
      "product_label": "Term Deposit 6 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/207",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/207.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 54,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 19999.99,
      "deposit_min": 1000.0,
      "deposit_max": 19999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 55,
      "brand": "Australian Mutual Bank LTD",
      "brand_label": "Australian Mutual Bank",
      "brand_slug": "australian-mutual-bank-ltd",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": 180,
      "term_days_max": 209,
      "term_raw": "P209D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/74073f50-1e84-11f1-b37a-325096b39f47",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-mutual-bank-ltd/74073f50-1e84-11f1-b37a-325096b39f47.json",
      "product_url": "https://australianmutual.bank/banking/term-deposits/",
      "bank_last_updated": "2026-08-26T14:27:19.000+10:00"
     },
     {
      "rank": 56,
      "brand": "Firefighters Mutual Bank",
      "brand_label": "Firefighters Mutual Bank",
      "brand_slug": "firefighters-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": 180,
      "term_days_max": 209,
      "term_raw": "P209D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/aa76cccb-0cf7-4330-8eb6-e2756aefce0e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/firefighters-mutual-bank/aa76cccb-0cf7-4330-8eb6-e2756aefce0e.json",
      "product_url": "https://www.fmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:15:19.000+10:00"
     },
     {
      "rank": 57,
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": 180,
      "term_days_max": 209,
      "term_raw": "P209D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/d45a38f4-5462-4883-8239-7eaea4e2871b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/health-professionals-bank/d45a38f4-5462-4883-8239-7eaea4e2871b.json",
      "product_url": "https://www.hpbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-14T09:14:44.000+10:00"
     },
     {
      "rank": 58,
      "brand": "Teachers Mutual Bank",
      "brand_label": "Teachers Mutual Bank",
      "brand_slug": "teachers-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": 180,
      "term_days_max": 209,
      "term_raw": "P209D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/e556280d-1d2b-4fb1-b22f-151e8050bdda",
      "source_snapshot": "/au/finance/term-deposits/v1/source/teachers-mutual-bank/e556280d-1d2b-4fb1-b22f-151e8050bdda.json",
      "product_url": "https://www.tmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:18:27.000+10:00"
     },
     {
      "rank": 59,
      "brand": "UniBank",
      "brand_label": "UniBank",
      "brand_slug": "unibank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": 180,
      "term_days_max": 209,
      "term_raw": "P209D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unibank/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c.json",
      "product_url": "https://www.unibank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:25:09.000+10:00"
     },
     {
      "rank": 60,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "24 MONTHS",
      "product_label": "24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/24MTH_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/24MTH_TERM_DEPOSIT.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-07-02T11:03:33.000+10:00"
     },
     {
      "rank": 61,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 6 Mth Capitalise",
      "product_label": "INV - 6 Mth Capitalise",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0445,
      "rate_pct": 4.45,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 2000.0,
      "tier_max": 49999.99,
      "deposit_min": 2000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/15",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/15.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-09-03T12:00:31.9528987Z"
     },
     {
      "rank": 62,
      "brand": "Fire Service Credit Union",
      "brand_label": "Fire Service Credit Union",
      "brand_slug": "fire-service-credit-union",
      "product_name": "I5 FTD 6 Months",
      "product_label": "I5 FTD 6 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 24999.0,
      "deposit_min": 5000.0,
      "deposit_max": 24999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/13",
      "source_snapshot": "/au/finance/term-deposits/v1/source/fire-service-credit-union/13.json",
      "product_url": "https://www.fscu.com.au/accounts/term-deposits/",
      "bank_last_updated": "2026-05-20T04:00:33.3305724Z"
     },
     {
      "rank": 63,
      "brand": "Australian Military Bank",
      "brand_label": "Australian Military Bank",
      "brand_slug": "australian-military-bank",
      "product_name": "Teen Plus",
      "product_label": "Teen Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 500.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 18 and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4f86dc3e-4af2-40a4-adcf-210d341f538f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-military-bank/4f86dc3e-4af2-40a4-adcf-210d341f538f.json",
      "product_url": "https://www.australianmilitarybank.com.au/term-deposits",
      "bank_last_updated": "2026-08-24T23:18:21.610306Z"
     },
     {
      "rank": 64,
      "brand": "Central Murray Bank",
      "brand_label": "Central Murray Bank",
      "brand_slug": "central-murray-bank",
      "product_name": "TERM DEPOSIT 6 MONTHS",
      "product_label": "Term Deposit 6 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 24999.99,
      "deposit_min": 10000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/I2_6month",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-murray-bank/I2_6month.json",
      "product_url": "https://www.centralmurray.bank/invest/term-deposits/",
      "bank_last_updated": "2026-08-06T14:18:36.000+10:00"
     },
     {
      "rank": 65,
      "brand": "Northern Inland Credit Union Limited",
      "brand_label": "Northern Inland Credit Union",
      "brand_slug": "northern-inland-credit-union-limited",
      "product_name": "6 MONTHS Term Deposit with interest paid at maturity/annually",
      "product_label": "6 MONTHS Term Deposit with Interest Paid at Maturity/annually",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": 249999.99,
      "tier_min": 10000.0,
      "tier_max": 24999.99,
      "deposit_min": 10000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICU16_STND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/northern-inland-credit-union-limited/NICU16_STND.json",
      "product_url": "https://www.nicu.com.au/banking/banking-enquiry",
      "bank_last_updated": "2026-04-22T15:00:10.000+10:00"
     },
     {
      "rank": 66,
      "brand": "Laboratories Credit Union",
      "brand_label": "Laboratories Credit Union",
      "brand_slug": "laboratories-credit-union",
      "product_name": "Monthly Interest 12 Month Term Deposit",
      "product_label": "Monthly Interest 12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "monthly",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…",
       "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…"
      ],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/laboratories-credit-union/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS.json",
      "product_url": "https://join.lcu.com.au/getting-started",
      "bank_last_updated": "2026-10-02T14:13:39.000+10:00"
     },
     {
      "rank": 67,
      "brand": "Queensland Country Bank",
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "product_name": "FTD - Interest at Maturity",
      "product_label": "FTD - Interest at Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/40",
      "source_snapshot": "/au/finance/term-deposits/v1/source/queensland-country-bank/40.json",
      "product_url": "https://www.queenslandcountry.bank/banking/savings-accounts/term-deposits/",
      "bank_last_updated": "2026-10-02T14:00:24.0731915Z"
     },
     {
      "rank": 68,
      "brand": "Police Credit Union Ltd",
      "brand_label": "Police Credit Union",
      "brand_slug": "police-credit-union-ltd",
      "product_name": "YORKETOWN TERM DEPOSIT",
      "product_label": "Yorketown Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": 2500000.0,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/I76_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-credit-union-ltd/I76_TERM_DEPOSIT.json",
      "product_url": "https://www.policecu.com.au/rates/",
      "bank_last_updated": "2026-04-30T15:05:43.000+09:30"
     },
     {
      "rank": 69,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "6M TO LESS THAN 12M",
      "product_label": "6M to Less Than 12M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/6M_TO_LESS_THAN_12M",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/6M_TO_LESS_THAN_12M.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/term-deposits/",
      "bank_last_updated": "2026-08-04T09:47:40.000+10:00"
     },
     {
      "rank": 70,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 71,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 72,
      "brand": "SWSbank",
      "brand_label": "SWS Bank",
      "brand_slug": "swsbank",
      "product_name": "6 Month Term Deposit",
      "product_label": "6 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/I2_TD_6Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/swsbank/I2_TD_6Months.json",
      "product_url": "https://swscu.apply-online.com.au/#/3e8f1c2b-4724-4a65-b5d0-2d7eaf64b99b",
      "bank_last_updated": "2026-05-11T16:51:44.000+10:00"
     },
     {
      "rank": 73,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 74,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 75,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 76,
      "brand": "Central West CUL",
      "brand_label": "Central West Credit Union",
      "brand_slug": "central-west-cul",
      "product_name": "$5000+ (6m to <12m) I3",
      "product_label": "$5000+ (6m to <12m) I3",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 180,
      "term_days_max": 364,
      "term_raw": "P364D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/I3_Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-west-cul/I3_Fixed_Term_Deposit.json",
      "product_url": "https://www.cwcu.com.au/savings/fixed-term-deposits",
      "bank_last_updated": "2026-04-30T16:40:29.000+10:00"
     },
     {
      "rank": 77,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 78,
      "brand": "Broken Hill Bank",
      "brand_label": "Broken Hill Bank",
      "brand_slug": "broken-hill-bank",
      "product_name": "FTD - 6 Months",
      "product_label": "FTD - 6 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 499999.99,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/broken-hill-bank/3.json",
      "product_url": "https://brokenhill.bank/open-an-account",
      "bank_last_updated": "2026-06-11T02:00:18.8259621Z"
     },
     {
      "rank": 79,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Bendigo Cash Solutions Term Deposit",
      "product_label": "Cash Solutions Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/b85e1a64-ee7f-475d-b2dd-c0de7b5504b7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/b85e1a64-ee7f-475d-b2dd-c0de7b5504b7.json",
      "product_url": null,
      "bank_last_updated": "2026-07-24T01:18:35.447Z"
     },
     {
      "rank": 80,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     }
    ],
    "7": [
     {
      "rank": 1,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 2,
      "brand": "Woolworths Team Bank",
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "product_name": "7 MONTHS",
      "product_label": "7 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 0.0,
      "tier_max": 1000000.0,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Woolworths Group Limited and Endeavour Group Limited team members, Immediate family members of Woolworths Group Limited and Endeavour Group Limited team member…"
      ],
      "stacked_bonus": null,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/7Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/woolworths-team-bank/7Months.json",
      "product_url": "https://woolworthsteambank.snapforms.com.au/form/term-deposit-form",
      "bank_last_updated": "2026-09-23T14:21:03.000+10:00"
     },
     {
      "rank": 3,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 4,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": 209,
      "term_days_max": 238,
      "term_raw": "P238D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 24999.99,
      "deposit_min": 5000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 5,
      "brand": "ME Bank - ME Go",
      "brand_label": "ME Bank",
      "brand_slug": "me-bank-me-go",
      "product_name": "ME Go Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cds.mebank.com.au/cds-au/v1/banking/products/0f039bda-f265-f011-bec3-002248106111",
      "source_snapshot": "/au/finance/term-deposits/v1/source/me-bank-me-go/0f039bda-f265-f011-bec3-002248106111.json",
      "product_url": "https://www.mebank.com.au/term-deposits/",
      "bank_last_updated": "2026-09-20T22:59:11Z"
     },
     {
      "rank": 6,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 5000.0,
      "tier_max": 99999.0,
      "deposit_min": 5000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 7,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "myBOQ Term Deposit",
      "product_label": "myBOQ Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/6db81f83-f265-f011-bec3-002248106111",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/6db81f83-f265-f011-bec3-002248106111.json",
      "product_url": "https://www.boq.com.au/personal/bank-and-save/term-deposits",
      "bank_last_updated": "2026-09-20T23:19:10Z"
     },
     {
      "rank": 8,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "6 Month Fixed Term",
      "product_label": "6 Month Fixed Term",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 2000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/6MTH_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/6MTH_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-16T10:53:34.000+10:00"
     },
     {
      "rank": 9,
      "brand": "Australian Mutual Bank LTD",
      "brand_label": "Australian Mutual Bank",
      "brand_slug": "australian-mutual-bank-ltd",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": 210,
      "term_days_max": 239,
      "term_raw": "P239D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/74073f50-1e84-11f1-b37a-325096b39f47",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-mutual-bank-ltd/74073f50-1e84-11f1-b37a-325096b39f47.json",
      "product_url": "https://australianmutual.bank/banking/term-deposits/",
      "bank_last_updated": "2026-08-26T14:27:19.000+10:00"
     },
     {
      "rank": 10,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     },
     {
      "rank": 11,
      "brand": "Firefighters Mutual Bank",
      "brand_label": "Firefighters Mutual Bank",
      "brand_slug": "firefighters-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": 210,
      "term_days_max": 239,
      "term_raw": "P239D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/aa76cccb-0cf7-4330-8eb6-e2756aefce0e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/firefighters-mutual-bank/aa76cccb-0cf7-4330-8eb6-e2756aefce0e.json",
      "product_url": "https://www.fmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:15:19.000+10:00"
     },
     {
      "rank": 12,
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": 210,
      "term_days_max": 239,
      "term_raw": "P239D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/d45a38f4-5462-4883-8239-7eaea4e2871b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/health-professionals-bank/d45a38f4-5462-4883-8239-7eaea4e2871b.json",
      "product_url": "https://www.hpbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-14T09:14:44.000+10:00"
     },
     {
      "rank": 13,
      "brand": "Teachers Mutual Bank",
      "brand_label": "Teachers Mutual Bank",
      "brand_slug": "teachers-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": 210,
      "term_days_max": 239,
      "term_raw": "P239D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/e556280d-1d2b-4fb1-b22f-151e8050bdda",
      "source_snapshot": "/au/finance/term-deposits/v1/source/teachers-mutual-bank/e556280d-1d2b-4fb1-b22f-151e8050bdda.json",
      "product_url": "https://www.tmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:18:27.000+10:00"
     },
     {
      "rank": 14,
      "brand": "UniBank",
      "brand_label": "UniBank",
      "brand_slug": "unibank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": 210,
      "term_days_max": 239,
      "term_raw": "P239D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unibank/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c.json",
      "product_url": "https://www.unibank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:25:09.000+10:00"
     },
     {
      "rank": 15,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 16,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "NATIONAL SENIORS TERM DEPOSIT",
      "product_label": "National Seniors Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 3000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through National Seniors Australia"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6f474df2-c438-4132-939f-9730d5e45165",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/6f474df2-c438-4132-939f-9730d5e45165.json",
      "product_url": "https://nationalseniors.com.au/services/financial/termdeposit",
      "bank_last_updated": "2026-09-29T09:16:28.000+10:00"
     },
     {
      "rank": 17,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Standard Rate Term Deposit 1-12 months",
      "product_label": "Standard Rate Term Deposit 1-12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1000-0500",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1000-0500.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 18,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": 210,
      "term_days_min": 210,
      "term_days_max": 210,
      "term_raw": "P210D",
      "min_balance": 10000.0,
      "max_balance": 5000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an Australian resident for taxation purposes."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/26ab99ae-81ed-44d0-933f-b6d9f0f4b004",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/26ab99ae-81ed-44d0-933f-b6d9f0f4b004.json",
      "product_url": "https://www.ing.com.au/savings/term-deposit.html",
      "bank_last_updated": "2026-09-13T14:00:00.000Z"
     },
     {
      "rank": 19,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Regular Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/8546b224-85ce-40b4-ba09-3390398b5c4e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/8546b224-85ce-40b4-ba09-3390398b5c4e.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.482282Z"
     },
     {
      "rank": 20,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 21,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 22,
      "brand": "gmcu",
      "brand_label": "GMCU",
      "brand_slug": "gmcu",
      "product_name": "Fixed Term Deposit - 6 to 8 months",
      "product_label": "Fixed Term Deposit - 6 to 8 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 100.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 2000000.0,
      "deposit_min": 4999.01,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must become a member. Visit our website for more details."
      ],
      "stacked_bonus": null,
      "source_url": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Term_deposit_-_6_to_8_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gmcu/Term_deposit_-_6_to_8_months.json",
      "product_url": "https://www.gmcu.com.au/banking/term-deposits/view-all-term-deposits/",
      "bank_last_updated": "2026-08-17T15:40:30.000+10:00"
     },
     {
      "rank": 23,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "12 Month Regular Income",
      "product_label": "12 Month Regular Income",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I3_TermDeposit_12mthIncome",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I3_TermDeposit_12mthIncome.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:59:19.000+10:00"
     },
     {
      "rank": 24,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 25,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 19999.99,
      "deposit_min": 1000.0,
      "deposit_max": 19999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 26,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Term Deposit 7 months",
      "product_label": "Term Deposit 7 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/231",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/231.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 27,
      "brand": "Border Bank",
      "brand_label": "Border Bank",
      "brand_slug": "border-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/797f3952-486a-4683-9bcc-462ad80599fd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/border-bank/797f3952-486a-4683-9bcc-462ad80599fd.json",
      "product_url": "https://www.borderbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:29.599Z"
     },
     {
      "rank": 28,
      "brand": "Police Bank",
      "brand_label": "Police Bank",
      "brand_slug": "police-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/934b3b27-224e-41b9-a827-2032ec619780",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-bank/934b3b27-224e-41b9-a827-2032ec619780.json",
      "product_url": "https://www.policebank.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:27.339Z"
     },
     {
      "rank": 29,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 7 Months",
      "product_label": "Term Deposit - 7 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.046,
      "rate_pct": 4.6,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/7.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 30,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.0,
      "deposit_min": 10000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 31,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "24 MONTHS",
      "product_label": "24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/24MTH_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/24MTH_TERM_DEPOSIT.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-07-02T11:03:33.000+10:00"
     },
     {
      "rank": 32,
      "brand": "Australian Military Bank",
      "brand_label": "Australian Military Bank",
      "brand_slug": "australian-military-bank",
      "product_name": "Teen Plus",
      "product_label": "Teen Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.044,
      "rate_pct": 4.4,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 500.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 18 and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4f86dc3e-4af2-40a4-adcf-210d341f538f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-military-bank/4f86dc3e-4af2-40a4-adcf-210d341f538f.json",
      "product_url": "https://www.australianmilitarybank.com.au/term-deposits",
      "bank_last_updated": "2026-08-24T23:18:21.610306Z"
     },
     {
      "rank": 33,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.044,
      "rate_pct": 4.4,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 34,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "7 Month Term Deposit",
      "product_label": "7 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.044,
      "rate_pct": 4.4,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/27",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/27.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-09-01T02:00:23.3722770Z"
     },
     {
      "rank": 35,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 36,
      "brand": "Laboratories Credit Union",
      "brand_label": "Laboratories Credit Union",
      "brand_slug": "laboratories-credit-union",
      "product_name": "Monthly Interest 12 Month Term Deposit",
      "product_label": "Monthly Interest 12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "monthly",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…",
       "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…"
      ],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/laboratories-credit-union/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS.json",
      "product_url": "https://join.lcu.com.au/getting-started",
      "bank_last_updated": "2026-10-02T14:13:39.000+10:00"
     },
     {
      "rank": 37,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": 184,
      "term_days_max": 213,
      "term_raw": "P213D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 38,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "7 Month Term Deposit",
      "product_label": "7 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/103",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/103.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/standard-term-deposit/",
      "bank_last_updated": "2026-06-11T04:00:41.6927295Z"
     },
     {
      "rank": 39,
      "brand": "Queensland Country Bank",
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "product_name": "FTD - Interest at Maturity",
      "product_label": "FTD - Interest at Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/40",
      "source_snapshot": "/au/finance/term-deposits/v1/source/queensland-country-bank/40.json",
      "product_url": "https://www.queenslandcountry.bank/banking/savings-accounts/term-deposits/",
      "bank_last_updated": "2026-10-02T14:00:24.0731915Z"
     },
     {
      "rank": 40,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 41,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 42,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest @ Maturity",
      "product_label": "Term Investment - Interest @ Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3000",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3000.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-27T14:00:00Z"
     },
     {
      "rank": 43,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 44,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": 196,
      "term_days_max": 225,
      "term_raw": "P196D - P225D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 45,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 46,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 47,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 48,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "6M TO LESS THAN 12M",
      "product_label": "6M to Less Than 12M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/6M_TO_LESS_THAN_12M",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/6M_TO_LESS_THAN_12M.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/term-deposits/",
      "bank_last_updated": "2026-08-04T09:47:40.000+10:00"
     },
     {
      "rank": 49,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (44)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": 49999.0,
      "tier_min": 5000.0,
      "tier_max": 49999.0,
      "deposit_min": 5000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_7M_%245%2C000-%2449%2C999",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_7M__5_000-_49_999.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 50,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 51,
      "brand": "Central West CUL",
      "brand_label": "Central West Credit Union",
      "brand_slug": "central-west-cul",
      "product_name": "$5000+ (6m to <12m) I3",
      "product_label": "$5000+ (6m to <12m) I3",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 180,
      "term_days_max": 364,
      "term_raw": "P364D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/I3_Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-west-cul/I3_Fixed_Term_Deposit.json",
      "product_url": "https://www.cwcu.com.au/savings/fixed-term-deposits",
      "bank_last_updated": "2026-04-30T16:40:29.000+10:00"
     },
     {
      "rank": 52,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0315,
      "rate_pct": 3.15,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 5000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/bd41ed42-262c-4445-a7f6-f3b61314ec0c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/bd41ed42-262c-4445-a7f6-f3b61314ec0c.json",
      "product_url": "https://www.bendigobank.com.au/personal/term-deposits/term-deposit-enquiry/",
      "bank_last_updated": "2026-09-24T14:32:23.011Z"
     },
     {
      "rank": 53,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "6-11 months <$25K",
      "product_label": "6-11 Months <$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 24999.99,
      "deposit_min": 1000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_3.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 54,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0225,
      "rate_pct": 2.25,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M/P8M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 55,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 7 Months",
      "product_label": "Package TD 7 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.013,
      "rate_pct": 1.3,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/28",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/28.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     },
     {
      "rank": 56,
      "brand": "Bank of China",
      "brand_label": "Bank of China",
      "brand_slug": "bank-of-china",
      "product_name": "Term Deposit AUD 7M",
      "product_label": "Term Deposit AUD 7M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.01,
      "rate_pct": 1.0,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "Term Deposit AUD 7M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/55090853",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-china/55090853.json",
      "product_url": "https://www.bankofchina.com/au/en/pbservice/pb1/201712/t20171214_10912803.html",
      "bank_last_updated": "2026-03-10T17:00:00.000+11:00"
     },
     {
      "rank": 57,
      "brand": "Central Murray Bank",
      "brand_label": "Central Murray Bank",
      "brand_slug": "central-murray-bank",
      "product_name": "TERM DEPOSIT 7 MONTHS",
      "product_label": "Term Deposit 7 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.01,
      "rate_pct": 1.0,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 24999.99,
      "deposit_min": 10000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/I7_7month",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-murray-bank/I7_7month.json",
      "product_url": "https://www.centralmurray.bank/invest/term-deposits/",
      "bank_last_updated": "2025-11-13T12:22:52.000+11:00"
     }
    ],
    "8": [
     {
      "rank": 1,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 2,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "6 Month Fixed Term",
      "product_label": "6 Month Fixed Term",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 2000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/6MTH_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/6MTH_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-16T10:53:34.000+10:00"
     },
     {
      "rank": 3,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 4,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "NATIONAL SENIORS TERM DEPOSIT",
      "product_label": "National Seniors Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 3000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through National Seniors Australia"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6f474df2-c438-4132-939f-9730d5e45165",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/6f474df2-c438-4132-939f-9730d5e45165.json",
      "product_url": "https://nationalseniors.com.au/services/financial/termdeposit",
      "bank_last_updated": "2026-09-29T09:16:28.000+10:00"
     },
     {
      "rank": 5,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Regular Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/8546b224-85ce-40b4-ba09-3390398b5c4e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/8546b224-85ce-40b4-ba09-3390398b5c4e.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.482282Z"
     },
     {
      "rank": 6,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 7,
      "brand": "gmcu",
      "brand_label": "GMCU",
      "brand_slug": "gmcu",
      "product_name": "Fixed Term Deposit - 6 to 8 months",
      "product_label": "Fixed Term Deposit - 6 to 8 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 100.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 2000000.0,
      "deposit_min": 4999.01,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must become a member. Visit our website for more details."
      ],
      "stacked_bonus": null,
      "source_url": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Term_deposit_-_6_to_8_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gmcu/Term_deposit_-_6_to_8_months.json",
      "product_url": "https://www.gmcu.com.au/banking/term-deposits/view-all-term-deposits/",
      "bank_last_updated": "2026-08-17T15:40:30.000+10:00"
     },
     {
      "rank": 8,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "12 Month Regular Income",
      "product_label": "12 Month Regular Income",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I3_TermDeposit_12mthIncome",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I3_TermDeposit_12mthIncome.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:59:19.000+10:00"
     },
     {
      "rank": 9,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 10,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 19999.99,
      "deposit_min": 1000.0,
      "deposit_max": 19999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 11,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Term Deposit 8 month",
      "product_label": "Term Deposit 8 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/288",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/288.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 12,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 8 Months",
      "product_label": "Term Deposit - 8 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/8",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/8.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 13,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Standard Rate Term Deposit 1-12 months",
      "product_label": "Standard Rate Term Deposit 1-12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1000-0500",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1000-0500.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 14,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.0,
      "deposit_min": 10000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 15,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "24 MONTHS",
      "product_label": "24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/24MTH_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/24MTH_TERM_DEPOSIT.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-07-02T11:03:33.000+10:00"
     },
     {
      "rank": 16,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 17,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.044,
      "rate_pct": 4.4,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 18,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.044,
      "rate_pct": 4.4,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 5000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/bd41ed42-262c-4445-a7f6-f3b61314ec0c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/bd41ed42-262c-4445-a7f6-f3b61314ec0c.json",
      "product_url": "https://www.bendigobank.com.au/personal/term-deposits/term-deposit-enquiry/",
      "bank_last_updated": "2026-09-24T14:32:23.011Z"
     },
     {
      "rank": 19,
      "brand": "Australian Military Bank",
      "brand_label": "Australian Military Bank",
      "brand_slug": "australian-military-bank",
      "product_name": "Teen Plus",
      "product_label": "Teen Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.043,
      "rate_pct": 4.3,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 500.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 18 and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4f86dc3e-4af2-40a4-adcf-210d341f538f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-military-bank/4f86dc3e-4af2-40a4-adcf-210d341f538f.json",
      "product_url": "https://www.australianmilitarybank.com.au/term-deposits",
      "bank_last_updated": "2026-08-24T23:18:21.610306Z"
     },
     {
      "rank": 20,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": 242,
      "term_days_max": 272,
      "term_raw": "P242D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 21,
      "brand": "Australian Mutual Bank LTD",
      "brand_label": "Australian Mutual Bank",
      "brand_slug": "australian-mutual-bank-ltd",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": 240,
      "term_days_max": 269,
      "term_raw": "P269D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/74073f50-1e84-11f1-b37a-325096b39f47",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-mutual-bank-ltd/74073f50-1e84-11f1-b37a-325096b39f47.json",
      "product_url": "https://australianmutual.bank/banking/term-deposits/",
      "bank_last_updated": "2026-08-26T14:27:19.000+10:00"
     },
     {
      "rank": 22,
      "brand": "Firefighters Mutual Bank",
      "brand_label": "Firefighters Mutual Bank",
      "brand_slug": "firefighters-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": 240,
      "term_days_max": 269,
      "term_raw": "P269D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/aa76cccb-0cf7-4330-8eb6-e2756aefce0e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/firefighters-mutual-bank/aa76cccb-0cf7-4330-8eb6-e2756aefce0e.json",
      "product_url": "https://www.fmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:15:19.000+10:00"
     },
     {
      "rank": 23,
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": 240,
      "term_days_max": 269,
      "term_raw": "P269D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/d45a38f4-5462-4883-8239-7eaea4e2871b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/health-professionals-bank/d45a38f4-5462-4883-8239-7eaea4e2871b.json",
      "product_url": "https://www.hpbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-14T09:14:44.000+10:00"
     },
     {
      "rank": 24,
      "brand": "Teachers Mutual Bank",
      "brand_label": "Teachers Mutual Bank",
      "brand_slug": "teachers-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": 240,
      "term_days_max": 269,
      "term_raw": "P269D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/e556280d-1d2b-4fb1-b22f-151e8050bdda",
      "source_snapshot": "/au/finance/term-deposits/v1/source/teachers-mutual-bank/e556280d-1d2b-4fb1-b22f-151e8050bdda.json",
      "product_url": "https://www.tmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:18:27.000+10:00"
     },
     {
      "rank": 25,
      "brand": "UniBank",
      "brand_label": "UniBank",
      "brand_slug": "unibank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": 240,
      "term_days_max": 269,
      "term_raw": "P269D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unibank/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c.json",
      "product_url": "https://www.unibank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:25:09.000+10:00"
     },
     {
      "rank": 26,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 27,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": 239,
      "term_days_max": 268,
      "term_raw": "P268D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 24999.0,
      "deposit_min": 5000.0,
      "deposit_max": 24999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 28,
      "brand": "Laboratories Credit Union",
      "brand_label": "Laboratories Credit Union",
      "brand_slug": "laboratories-credit-union",
      "product_name": "Monthly Interest 12 Month Term Deposit",
      "product_label": "Monthly Interest 12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "monthly",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…",
       "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…"
      ],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/laboratories-credit-union/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS.json",
      "product_url": "https://join.lcu.com.au/getting-started",
      "bank_last_updated": "2026-10-02T14:13:39.000+10:00"
     },
     {
      "rank": 29,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": 214,
      "term_days_max": 244,
      "term_raw": "P244D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 30,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "8 Month Term Deposit",
      "product_label": "8 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/104",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/104.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/standard-term-deposit/",
      "bank_last_updated": "2026-06-11T04:00:41.6927295Z"
     },
     {
      "rank": 31,
      "brand": "Queensland Country Bank",
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "product_name": "FTD - Interest at Maturity",
      "product_label": "FTD - Interest at Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/40",
      "source_snapshot": "/au/finance/term-deposits/v1/source/queensland-country-bank/40.json",
      "product_url": "https://www.queenslandcountry.bank/banking/savings-accounts/term-deposits/",
      "bank_last_updated": "2026-10-02T14:00:24.0731915Z"
     },
     {
      "rank": 32,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 33,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 34,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "8 Month Term Deposit",
      "product_label": "8 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/21",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/21.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-06-28T16:00:22.3851793Z"
     },
     {
      "rank": 35,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 5000.0,
      "tier_max": 99999.0,
      "deposit_min": 5000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 36,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 37,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 38,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 39,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 40,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest @ Maturity",
      "product_label": "Term Investment - Interest @ Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3000",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3000.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-27T14:00:00Z"
     },
     {
      "rank": 41,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": 226,
      "term_days_max": 255,
      "term_raw": "P226D - P255D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 42,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 43,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "6M TO LESS THAN 12M",
      "product_label": "6M to Less Than 12M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/6M_TO_LESS_THAN_12M",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/6M_TO_LESS_THAN_12M.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/term-deposits/",
      "bank_last_updated": "2026-08-04T09:47:40.000+10:00"
     },
     {
      "rank": 44,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (48)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": 49999.0,
      "tier_min": 5000.0,
      "tier_max": 49999.0,
      "deposit_min": 5000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_8M_%245%2C000-%2449%2C999",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_8M__5_000-_49_999.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 45,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 46,
      "brand": "Central West CUL",
      "brand_label": "Central West Credit Union",
      "brand_slug": "central-west-cul",
      "product_name": "$5000+ (6m to <12m) I3",
      "product_label": "$5000+ (6m to <12m) I3",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 180,
      "term_days_max": 364,
      "term_raw": "P364D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/I3_Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-west-cul/I3_Fixed_Term_Deposit.json",
      "product_url": "https://www.cwcu.com.au/savings/fixed-term-deposits",
      "bank_last_updated": "2026-04-30T16:40:29.000+10:00"
     },
     {
      "rank": 47,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     },
     {
      "rank": 48,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "6-11 months <$25K",
      "product_label": "6-11 Months <$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 24999.99,
      "deposit_min": 1000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_3.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 49,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0225,
      "rate_pct": 2.25,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M/P8M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 50,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 8 Months",
      "product_label": "Package TD 8 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0105,
      "rate_pct": 1.05,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/29",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/29.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "9": [
     {
      "rank": 1,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "270 Day Term Deposit",
      "product_label": "270 Day Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": 270,
      "term_days_min": 270,
      "term_days_max": 270,
      "term_raw": "P270D",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 9999999.99,
      "deposit_min": 500.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to members only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/f5ff9e62-493b-47e6-9c13-62cc0a829aa7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/f5ff9e62-493b-47e6-9c13-62cc0a829aa7.json",
      "product_url": "https://form.bankfirst.com.au/account-application",
      "bank_last_updated": "2026-07-05T23:40:50.568693Z"
     },
     {
      "rank": 2,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 9 Months",
      "product_label": "Package TD 9 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/30",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/30.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-09-03T02:00:33.2086394Z"
     },
     {
      "rank": 3,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To open an account, you must have a valid email address and an Australian mobile number.",
       "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD01.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD01.1.json",
      "product_url": "https://apply.heartlandbank.com.au/banking/HBSelfService/servletcontroller?ProductType=CBL_DEPOSIT_TERM_MB&CustomerType=Individual",
      "bank_last_updated": "2026-09-29T06:16:43Z"
     },
     {
      "rank": 4,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 5,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 9 months",
      "product_label": "Term Deposit 9 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/4b265f3c-7abc-4587-a86a-91601b228ddf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/4b265f3c-7abc-4587-a86a-91601b228ddf.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=209",
      "bank_last_updated": "2026-09-21T22:00:22.842Z"
     },
     {
      "rank": 6,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 9 Mth Capitalise",
      "product_label": "INV - 9 Mth Capitalise",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 2000.0,
      "tier_max": 49999.99,
      "deposit_min": 2000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/16",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/16.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-09-28T12:00:30.9399881Z"
     },
     {
      "rank": 7,
      "brand": "ME Bank - ME Go",
      "brand_label": "ME Bank",
      "brand_slug": "me-bank-me-go",
      "product_name": "ME Go Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cds.mebank.com.au/cds-au/v1/banking/products/0f039bda-f265-f011-bec3-002248106111",
      "source_snapshot": "/au/finance/term-deposits/v1/source/me-bank-me-go/0f039bda-f265-f011-bec3-002248106111.json",
      "product_url": "https://www.mebank.com.au/term-deposits/",
      "bank_last_updated": "2026-09-20T22:59:11Z"
     },
     {
      "rank": 8,
      "brand": "Qudos Bank",
      "brand_label": "Qudos Bank",
      "brand_slug": "qudos-bank",
      "product_name": "Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products/f435abef-eaed-4d9f-a535-5c2925645472",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qudos-bank/f435abef-eaed-4d9f-a535-5c2925645472.json",
      "product_url": "https://www.qudosbank.com.au/products/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T22:00:26.783Z"
     },
     {
      "rank": 9,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 10,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 5000.0,
      "tier_max": 99999.0,
      "deposit_min": 5000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 11,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 12,
      "brand": "Border Bank",
      "brand_label": "Border Bank",
      "brand_slug": "border-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/797f3952-486a-4683-9bcc-462ad80599fd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/border-bank/797f3952-486a-4683-9bcc-462ad80599fd.json",
      "product_url": "https://www.borderbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:29.599Z"
     },
     {
      "rank": 13,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 14,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "E&P - Regular Term Deposit",
      "product_label": "E&P - Regular Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through Evans & Partners."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/1f5230e2-e251-4a80-a827-65f136e5d489",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/1f5230e2-e251-4a80-a827-65f136e5d489.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.411989Z"
     },
     {
      "rank": 15,
      "brand": "Police Bank",
      "brand_label": "Police Bank",
      "brand_slug": "police-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/934b3b27-224e-41b9-a827-2032ec619780",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-bank/934b3b27-224e-41b9-a827-2032ec619780.json",
      "product_url": "https://www.policebank.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:27.339Z"
     },
     {
      "rank": 16,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "9 Month Fixed Term",
      "product_label": "9 Month Fixed Term",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 2000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/9MTH_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/9MTH_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-16T10:54:01.000+10:00"
     },
     {
      "rank": 17,
      "brand": "BOQ Specialist",
      "brand_label": "BOQ Specialist",
      "brand_slug": "boq-specialist",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": 270,
      "term_days_min": 270,
      "term_days_max": 270,
      "term_raw": "P270D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 100000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 100000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively available to medical professionals and accountants"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/78906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/boq-specialist/78906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boqspecialist.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-21T00:19:38Z"
     },
     {
      "rank": 18,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "myBOQ Term Deposit",
      "product_label": "myBOQ Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/6db81f83-f265-f011-bec3-002248106111",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/6db81f83-f265-f011-bec3-002248106111.json",
      "product_url": "https://www.boq.com.au/personal/bank-and-save/term-deposits",
      "bank_last_updated": "2026-09-20T23:19:10Z"
     },
     {
      "rank": 19,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "Term Deposit 9 Months",
      "product_label": "Term Deposit 9 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I20_Term_Deposit_9_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I20_Term_Deposit_9_months.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:55:48.000+10:00"
     },
     {
      "rank": 20,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 21,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "NATIONAL SENIORS TERM DEPOSIT",
      "product_label": "National Seniors Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 3000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through National Seniors Australia"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6f474df2-c438-4132-939f-9730d5e45165",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/6f474df2-c438-4132-939f-9730d5e45165.json",
      "product_url": "https://nationalseniors.com.au/services/financial/termdeposit",
      "bank_last_updated": "2026-09-29T09:16:28.000+10:00"
     },
     {
      "rank": 22,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": 269,
      "term_days_max": 298,
      "term_raw": "P298D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 24999.0,
      "deposit_min": 5000.0,
      "deposit_max": 24999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 23,
      "brand": "Hume Bank",
      "brand_label": "Hume Bank",
      "brand_slug": "hume-bank",
      "product_name": "Term Deposit Online 9M (Interest at Maturity)",
      "product_label": "Term Deposit Online 9M (Interest at Maturity)",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "personal eligibility inferred: the bank's feed tags every term deposit business-only"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/9M_Online",
      "source_snapshot": "/au/finance/term-deposits/v1/source/hume-bank/9M_Online.json",
      "product_url": "https://www.humebank.com.au/savings/term-deposits/",
      "bank_last_updated": "2026-09-17T20:46:56.000+10:00"
     },
     {
      "rank": 24,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": 270,
      "term_days_min": 270,
      "term_days_max": 270,
      "term_raw": "P270D",
      "min_balance": 10000.0,
      "max_balance": 5000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an Australian resident for taxation purposes."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/26ab99ae-81ed-44d0-933f-b6d9f0f4b004",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/26ab99ae-81ed-44d0-933f-b6d9f0f4b004.json",
      "product_url": "https://www.ing.com.au/savings/term-deposit.html",
      "bank_last_updated": "2026-09-13T14:00:00.000Z"
     },
     {
      "rank": 25,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 26,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 27,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 28,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 29,
      "brand": "Horizon Bank",
      "brand_label": "Horizon Bank",
      "brand_slug": "horizon-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/I50_I500001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/horizon-bank/I50_I500001.json",
      "product_url": "https://horizonbank.com.au/forms/savings-account-or-term-deposit-application/",
      "bank_last_updated": "2026-08-17T17:59:37.000+10:00"
     },
     {
      "rank": 30,
      "brand": "QBANK",
      "brand_label": "QBank",
      "brand_slug": "qbank",
      "product_name": "Term Deposit 9 Month",
      "product_label": "Term Deposit 9 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": 10000.0,
      "tier_max": 99999.99,
      "deposit_min": 10000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You do not have to be a member of Qbank to hold a term deposit."
      ],
      "stacked_bonus": null,
      "source_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/I19_Term_9",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qbank/I19_Term_9.json",
      "product_url": "https://www.qbank.com.au/products/accounts/term-deposits",
      "bank_last_updated": "2026-08-20T19:52:04.000+10:00"
     },
     {
      "rank": 31,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 19999.99,
      "deposit_min": 1000.0,
      "deposit_max": 19999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 32,
      "brand": "The Mac",
      "brand_label": "The Mac",
      "brand_slug": "the-mac",
      "product_name": "TERM SAVINGS I4",
      "product_label": "Term Savings I4",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/I4_TERMDEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-mac/I4_TERMDEPOSIT.json",
      "product_url": "https://themaccu.com.au/solutions/everyday-banking-investments/all-everyday-banking-investments/",
      "bank_last_updated": "2026-08-24T08:38:40.000+10:00"
     },
     {
      "rank": 33,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Term Deposit 9 months",
      "product_label": "Term Deposit 9 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/219",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/219.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 34,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 9 Months",
      "product_label": "Term Deposit - 9 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/9",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/9.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 35,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Standard Rate Term Deposit 1-12 months",
      "product_label": "Standard Rate Term Deposit 1-12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1000-0500",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1000-0500.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 36,
      "brand": "Australian Mutual Bank LTD",
      "brand_label": "Australian Mutual Bank",
      "brand_slug": "australian-mutual-bank-ltd",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0455,
      "rate_pct": 4.55,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": 270,
      "term_days_max": 299,
      "term_raw": "P299D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/74073f50-1e84-11f1-b37a-325096b39f47",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-mutual-bank-ltd/74073f50-1e84-11f1-b37a-325096b39f47.json",
      "product_url": "https://australianmutual.bank/banking/term-deposits/",
      "bank_last_updated": "2026-08-26T14:27:19.000+10:00"
     },
     {
      "rank": 37,
      "brand": "Firefighters Mutual Bank",
      "brand_label": "Firefighters Mutual Bank",
      "brand_slug": "firefighters-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0455,
      "rate_pct": 4.55,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": 270,
      "term_days_max": 299,
      "term_raw": "P299D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/aa76cccb-0cf7-4330-8eb6-e2756aefce0e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/firefighters-mutual-bank/aa76cccb-0cf7-4330-8eb6-e2756aefce0e.json",
      "product_url": "https://www.fmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:15:19.000+10:00"
     },
     {
      "rank": 38,
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0455,
      "rate_pct": 4.55,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": 270,
      "term_days_max": 299,
      "term_raw": "P299D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/d45a38f4-5462-4883-8239-7eaea4e2871b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/health-professionals-bank/d45a38f4-5462-4883-8239-7eaea4e2871b.json",
      "product_url": "https://www.hpbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-14T09:14:44.000+10:00"
     },
     {
      "rank": 39,
      "brand": "Teachers Mutual Bank",
      "brand_label": "Teachers Mutual Bank",
      "brand_slug": "teachers-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0455,
      "rate_pct": 4.55,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": 270,
      "term_days_max": 299,
      "term_raw": "P299D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/e556280d-1d2b-4fb1-b22f-151e8050bdda",
      "source_snapshot": "/au/finance/term-deposits/v1/source/teachers-mutual-bank/e556280d-1d2b-4fb1-b22f-151e8050bdda.json",
      "product_url": "https://www.tmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:18:27.000+10:00"
     },
     {
      "rank": 40,
      "brand": "UniBank",
      "brand_label": "UniBank",
      "brand_slug": "unibank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0455,
      "rate_pct": 4.55,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": 270,
      "term_days_max": 299,
      "term_raw": "P299D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unibank/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c.json",
      "product_url": "https://www.unibank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:25:09.000+10:00"
     },
     {
      "rank": 41,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.0,
      "deposit_min": 10000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 42,
      "brand": "Bank of China",
      "brand_label": "Bank of China",
      "brand_slug": "bank-of-china",
      "product_name": "Term Deposit AUD 9M",
      "product_label": "Term Deposit AUD 9M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "Term Deposit AUD 9M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/55090855",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-china/55090855.json",
      "product_url": "https://www.bankofchina.com/au/en/pbservice/pb1/201712/t20171214_10912803.html",
      "bank_last_updated": "2026-03-27T14:00:00.000+11:00"
     },
     {
      "rank": 43,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "24 MONTHS",
      "product_label": "24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/24MTH_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/24MTH_TERM_DEPOSIT.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-07-02T11:03:33.000+10:00"
     },
     {
      "rank": 44,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.044,
      "rate_pct": 4.4,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 45,
      "brand": "Australian Military Bank",
      "brand_label": "Australian Military Bank",
      "brand_slug": "australian-military-bank",
      "product_name": "Teen Plus",
      "product_label": "Teen Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.043,
      "rate_pct": 4.3,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 500.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 18 and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4f86dc3e-4af2-40a4-adcf-210d341f538f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-military-bank/4f86dc3e-4af2-40a4-adcf-210d341f538f.json",
      "product_url": "https://www.australianmilitarybank.com.au/term-deposits",
      "bank_last_updated": "2026-08-24T23:18:21.610306Z"
     },
     {
      "rank": 46,
      "brand": "Northern Inland Credit Union Limited",
      "brand_label": "Northern Inland Credit Union",
      "brand_slug": "northern-inland-credit-union-limited",
      "product_name": "9 MONTHS Term Deposit with interest paid at maturity/annually",
      "product_label": "9 MONTHS Term Deposit with Interest Paid at Maturity/annually",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0425,
      "rate_pct": 4.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": 249999.99,
      "tier_min": 10000.0,
      "tier_max": 24999.99,
      "deposit_min": 10000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUI19_STND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/northern-inland-credit-union-limited/NICUI19_STND.json",
      "product_url": "https://www.nicu.com.au/banking/banking-enquiry",
      "bank_last_updated": "2026-04-22T15:00:10.000+10:00"
     },
     {
      "rank": 47,
      "brand": "Laboratories Credit Union",
      "brand_label": "Laboratories Credit Union",
      "brand_slug": "laboratories-credit-union",
      "product_name": "Monthly Interest 12 Month Term Deposit",
      "product_label": "Monthly Interest 12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "monthly",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…",
       "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…"
      ],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/laboratories-credit-union/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS.json",
      "product_url": "https://join.lcu.com.au/getting-started",
      "bank_last_updated": "2026-10-02T14:13:39.000+10:00"
     },
     {
      "rank": 48,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": 245,
      "term_days_max": 274,
      "term_raw": "P274D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 49,
      "brand": "Woolworths Team Bank",
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "product_name": "9 MONTHS",
      "product_label": "9 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 2000.0,
      "tier_max": 1000000.0,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership is open to team members of Woolworths and Endeavour Groups, their immediate family members, and those with an affinity to Woolworths Group."
      ],
      "stacked_bonus": null,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/I9",
      "source_snapshot": "/au/finance/term-deposits/v1/source/woolworths-team-bank/I9.json",
      "product_url": "https://woolworthsteambank.snapforms.com.au/form/term-deposit-form",
      "bank_last_updated": "2026-07-08T13:14:23.000+10:00"
     },
     {
      "rank": 50,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "9 Month Term Deposit",
      "product_label": "9 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/105",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/105.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/standard-term-deposit/",
      "bank_last_updated": "2026-06-11T04:00:41.6927295Z"
     },
     {
      "rank": 51,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 52,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "9 Month Term Deposit",
      "product_label": "9 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/22",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/22.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-06-28T16:00:22.3851793Z"
     },
     {
      "rank": 53,
      "brand": "Queensland Country Bank",
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "product_name": "FTD - Interest at Maturity",
      "product_label": "FTD - Interest at Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/40",
      "source_snapshot": "/au/finance/term-deposits/v1/source/queensland-country-bank/40.json",
      "product_url": "https://www.queenslandcountry.bank/banking/savings-accounts/term-deposits/",
      "bank_last_updated": "2026-10-02T14:00:24.0731915Z"
     },
     {
      "rank": 54,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 55,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 56,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 57,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 58,
      "brand": "gmcu",
      "brand_label": "GMCU",
      "brand_slug": "gmcu",
      "product_name": "Fixed Term Deposit - 9 to 10 months",
      "product_label": "Fixed Term Deposit - 9 to 10 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 100.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 1000000.0,
      "deposit_min": 4999.01,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must become a member. Visit our website for more details."
      ],
      "stacked_bonus": null,
      "source_url": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Term_deposit_-_9_to_10_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gmcu/Term_deposit_-_9_to_10_months.json",
      "product_url": "https://www.gmcu.com.au/banking/term-deposits/view-all-term-deposits/",
      "bank_last_updated": "2026-04-09T14:17:44.000+10:00"
     },
     {
      "rank": 59,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 60,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 61,
      "brand": "SWSbank",
      "brand_label": "SWS Bank",
      "brand_slug": "swsbank",
      "product_name": "9 Month Term Deposit",
      "product_label": "9 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/I3_TD_9Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/swsbank/I3_TD_9Months.json",
      "product_url": "https://swscu.apply-online.com.au/#/3e8f1c2b-4724-4a65-b5d0-2d7eaf64b99b",
      "bank_last_updated": "2026-05-11T16:53:22.000+10:00"
     },
     {
      "rank": 62,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 63,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest @ Maturity",
      "product_label": "Term Investment - Interest @ Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3000",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3000.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-27T14:00:00Z"
     },
     {
      "rank": 64,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": 256,
      "term_days_max": 285,
      "term_raw": "P256D - P285D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 65,
      "brand": "Police Credit Union Ltd",
      "brand_label": "Police Credit Union",
      "brand_slug": "police-credit-union-ltd",
      "product_name": "YORKETOWN TERM DEPOSIT",
      "product_label": "Yorketown Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": 2500000.0,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/I76_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-credit-union-ltd/I76_TERM_DEPOSIT.json",
      "product_url": "https://www.policecu.com.au/rates/",
      "bank_last_updated": "2026-04-30T15:05:43.000+09:30"
     },
     {
      "rank": 66,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "6M TO LESS THAN 12M",
      "product_label": "6M to Less Than 12M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/6M_TO_LESS_THAN_12M",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/6M_TO_LESS_THAN_12M.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/term-deposits/",
      "bank_last_updated": "2026-08-04T09:47:40.000+10:00"
     },
     {
      "rank": 67,
      "brand": "Central Murray Bank",
      "brand_label": "Central Murray Bank",
      "brand_slug": "central-murray-bank",
      "product_name": "TERM DEPOSIT 9 MONTHS",
      "product_label": "Term Deposit 9 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 24999.99,
      "deposit_min": 10000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/I3_9month",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-murray-bank/I3_9month.json",
      "product_url": "https://www.centralmurray.bank/invest/term-deposits/",
      "bank_last_updated": "2026-05-20T14:02:39.000+10:00"
     },
     {
      "rank": 68,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (52)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": 49999.0,
      "tier_min": 5000.0,
      "tier_max": 49999.0,
      "deposit_min": 5000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_9M_%245%2C000-%2449%2C999",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_9M__5_000-_49_999.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 69,
      "brand": "Central West CUL",
      "brand_label": "Central West Credit Union",
      "brand_slug": "central-west-cul",
      "product_name": "$5000+ (6m to <12m) I3",
      "product_label": "$5000+ (6m to <12m) I3",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 180,
      "term_days_max": 364,
      "term_raw": "P364D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/I3_Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-west-cul/I3_Fixed_Term_Deposit.json",
      "product_url": "https://www.cwcu.com.au/savings/fixed-term-deposits",
      "bank_last_updated": "2026-04-30T16:40:29.000+10:00"
     },
     {
      "rank": 70,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.032,
      "rate_pct": 3.2,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 5000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/bd41ed42-262c-4445-a7f6-f3b61314ec0c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/bd41ed42-262c-4445-a7f6-f3b61314ec0c.json",
      "product_url": "https://www.bendigobank.com.au/personal/term-deposits/term-deposit-enquiry/",
      "bank_last_updated": "2026-09-24T14:32:23.011Z"
     },
     {
      "rank": 71,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     },
     {
      "rank": 72,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "6-11 months <$25K",
      "product_label": "6-11 Months <$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 24999.99,
      "deposit_min": 1000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_3.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 73,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0225,
      "rate_pct": 2.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M/P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     }
    ],
    "10": [
     {
      "rank": 1,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Term Deposit 10 month",
      "product_label": "Term Deposit 10 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/290",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/290.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-05-20T00:00:00.000+10:00"
     },
     {
      "rank": 2,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 3,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "9 Month Fixed Term",
      "product_label": "9 Month Fixed Term",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 2000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/9MTH_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/9MTH_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-16T10:54:01.000+10:00"
     },
     {
      "rank": 4,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "NATIONAL SENIORS TERM DEPOSIT",
      "product_label": "National Seniors Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 3000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through National Seniors Australia"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6f474df2-c438-4132-939f-9730d5e45165",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/6f474df2-c438-4132-939f-9730d5e45165.json",
      "product_url": "https://nationalseniors.com.au/services/financial/termdeposit",
      "bank_last_updated": "2026-09-29T09:16:28.000+10:00"
     },
     {
      "rank": 5,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Regular Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/8546b224-85ce-40b4-ba09-3390398b5c4e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/8546b224-85ce-40b4-ba09-3390398b5c4e.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.482282Z"
     },
     {
      "rank": 6,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     },
     {
      "rank": 7,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 8,
      "brand": "Queensland Country Bank",
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "product_name": "Special 10 month",
      "product_label": "Special 10 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/82",
      "source_snapshot": "/au/finance/term-deposits/v1/source/queensland-country-bank/82.json",
      "product_url": "https://www.queenslandcountry.bank/banking/savings-accounts/term-deposits/",
      "bank_last_updated": "2026-10-02T14:00:24.0731915Z"
     },
     {
      "rank": 9,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "12 Month Regular Income",
      "product_label": "12 Month Regular Income",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I3_TermDeposit_12mthIncome",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I3_TermDeposit_12mthIncome.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:59:19.000+10:00"
     },
     {
      "rank": 10,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 19999.99,
      "deposit_min": 1000.0,
      "deposit_max": 19999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 11,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 10 Months",
      "product_label": "Term Deposit - 10 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/10",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/10.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 12,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Standard Rate Term Deposit 1-12 months",
      "product_label": "Standard Rate Term Deposit 1-12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1000-0500",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1000-0500.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 13,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.0,
      "deposit_min": 10000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 14,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "24 MONTHS",
      "product_label": "24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/24MTH_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/24MTH_TERM_DEPOSIT.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-07-02T11:03:33.000+10:00"
     },
     {
      "rank": 15,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 16,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.044,
      "rate_pct": 4.4,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 17,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0425,
      "rate_pct": 4.25,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 18,
      "brand": "Australian Mutual Bank LTD",
      "brand_label": "Australian Mutual Bank",
      "brand_slug": "australian-mutual-bank-ltd",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": 300,
      "term_days_max": 329,
      "term_raw": "P329D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/74073f50-1e84-11f1-b37a-325096b39f47",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-mutual-bank-ltd/74073f50-1e84-11f1-b37a-325096b39f47.json",
      "product_url": "https://australianmutual.bank/banking/term-deposits/",
      "bank_last_updated": "2026-08-26T14:27:19.000+10:00"
     },
     {
      "rank": 19,
      "brand": "Firefighters Mutual Bank",
      "brand_label": "Firefighters Mutual Bank",
      "brand_slug": "firefighters-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": 300,
      "term_days_max": 329,
      "term_raw": "P329D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/aa76cccb-0cf7-4330-8eb6-e2756aefce0e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/firefighters-mutual-bank/aa76cccb-0cf7-4330-8eb6-e2756aefce0e.json",
      "product_url": "https://www.fmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:15:19.000+10:00"
     },
     {
      "rank": 20,
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": 300,
      "term_days_max": 329,
      "term_raw": "P329D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/d45a38f4-5462-4883-8239-7eaea4e2871b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/health-professionals-bank/d45a38f4-5462-4883-8239-7eaea4e2871b.json",
      "product_url": "https://www.hpbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-14T09:14:44.000+10:00"
     },
     {
      "rank": 21,
      "brand": "Teachers Mutual Bank",
      "brand_label": "Teachers Mutual Bank",
      "brand_slug": "teachers-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": 300,
      "term_days_max": 329,
      "term_raw": "P329D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/e556280d-1d2b-4fb1-b22f-151e8050bdda",
      "source_snapshot": "/au/finance/term-deposits/v1/source/teachers-mutual-bank/e556280d-1d2b-4fb1-b22f-151e8050bdda.json",
      "product_url": "https://www.tmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:18:27.000+10:00"
     },
     {
      "rank": 22,
      "brand": "UniBank",
      "brand_label": "UniBank",
      "brand_slug": "unibank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": 300,
      "term_days_max": 329,
      "term_raw": "P329D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unibank/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c.json",
      "product_url": "https://www.unibank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:25:09.000+10:00"
     },
     {
      "rank": 23,
      "brand": "Australian Military Bank",
      "brand_label": "Australian Military Bank",
      "brand_slug": "australian-military-bank",
      "product_name": "Teen Plus",
      "product_label": "Teen Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 500.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 18 and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4f86dc3e-4af2-40a4-adcf-210d341f538f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-military-bank/4f86dc3e-4af2-40a4-adcf-210d341f538f.json",
      "product_url": "https://www.australianmilitarybank.com.au/term-deposits",
      "bank_last_updated": "2026-08-24T23:18:21.610306Z"
     },
     {
      "rank": 24,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 299,
      "term_days_max": 358,
      "term_raw": "P358D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 24999.99,
      "deposit_min": 5000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 25,
      "brand": "Laboratories Credit Union",
      "brand_label": "Laboratories Credit Union",
      "brand_slug": "laboratories-credit-union",
      "product_name": "Monthly Interest 12 Month Term Deposit",
      "product_label": "Monthly Interest 12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "monthly",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…",
       "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…"
      ],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/laboratories-credit-union/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS.json",
      "product_url": "https://join.lcu.com.au/getting-started",
      "bank_last_updated": "2026-10-02T14:13:39.000+10:00"
     },
     {
      "rank": 26,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": 275,
      "term_days_max": 305,
      "term_raw": "P305D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 27,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 28,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 29,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 30,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 31,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 32,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 33,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 34,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 35,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 5000.0,
      "tier_max": 99999.0,
      "deposit_min": 5000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 36,
      "brand": "gmcu",
      "brand_label": "GMCU",
      "brand_slug": "gmcu",
      "product_name": "Fixed Term Deposit - 9 to 10 months",
      "product_label": "Fixed Term Deposit - 9 to 10 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 100.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 1000000.0,
      "deposit_min": 4999.01,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must become a member. Visit our website for more details."
      ],
      "stacked_bonus": null,
      "source_url": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Term_deposit_-_9_to_10_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gmcu/Term_deposit_-_9_to_10_months.json",
      "product_url": "https://www.gmcu.com.au/banking/term-deposits/view-all-term-deposits/",
      "bank_last_updated": "2026-04-09T14:17:44.000+10:00"
     },
     {
      "rank": 37,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": 49999.0,
      "tier_min": 5000.0,
      "tier_max": 49999.0,
      "deposit_min": 5000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_10M_%245%2C000-%2449%2C999",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_10M__5_000-_49_999.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 38,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest @ Maturity",
      "product_label": "Term Investment - Interest @ Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3000",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3000.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-27T14:00:00Z"
     },
     {
      "rank": 39,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": 286,
      "term_days_max": 315,
      "term_raw": "P286D - P315D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 40,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "10 Month Term Deposit",
      "product_label": "10 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/20",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/20.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-06-28T16:00:22.3851793Z"
     },
     {
      "rank": 41,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "10 Month Term Deposit",
      "product_label": "10 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/106",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/106.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/standard-term-deposit/",
      "bank_last_updated": "2026-06-11T04:00:41.6927295Z"
     },
     {
      "rank": 42,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "6M TO LESS THAN 12M",
      "product_label": "6M to Less Than 12M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/6M_TO_LESS_THAN_12M",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/6M_TO_LESS_THAN_12M.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/term-deposits/",
      "bank_last_updated": "2026-08-04T09:47:40.000+10:00"
     },
     {
      "rank": 43,
      "brand": "Central Murray Bank",
      "brand_label": "Central Murray Bank",
      "brand_slug": "central-murray-bank",
      "product_name": "TERM DEPOSIT 10 MONTH",
      "product_label": "Term Deposit 10 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 19999.99,
      "deposit_min": 10000.0,
      "deposit_max": 19999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/I6_10month",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-murray-bank/I6_10month.json",
      "product_url": "https://www.centralmurray.bank/invest/term-deposits/",
      "bank_last_updated": "2026-05-20T14:02:39.000+10:00"
     },
     {
      "rank": 44,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 45,
      "brand": "Central West CUL",
      "brand_label": "Central West Credit Union",
      "brand_slug": "central-west-cul",
      "product_name": "$5000+ (6m to <12m) I3",
      "product_label": "$5000+ (6m to <12m) I3",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 180,
      "term_days_max": 364,
      "term_raw": "P364D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/I3_Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-west-cul/I3_Fixed_Term_Deposit.json",
      "product_url": "https://www.cwcu.com.au/savings/fixed-term-deposits",
      "bank_last_updated": "2026-04-30T16:40:29.000+10:00"
     },
     {
      "rank": 46,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 5000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/bd41ed42-262c-4445-a7f6-f3b61314ec0c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/bd41ed42-262c-4445-a7f6-f3b61314ec0c.json",
      "product_url": "https://www.bendigobank.com.au/personal/term-deposits/term-deposit-enquiry/",
      "bank_last_updated": "2026-09-24T14:32:23.011Z"
     },
     {
      "rank": 47,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "6-11 months <$25K",
      "product_label": "6-11 Months <$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 24999.99,
      "deposit_min": 1000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_3.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 48,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0225,
      "rate_pct": 2.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M/P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 49,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0175,
      "rate_pct": 1.75,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": 303,
      "term_days_max": 333,
      "term_raw": "P303D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 50,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 10 Months",
      "product_label": "Package TD 10 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.012,
      "rate_pct": 1.2,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/31",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/31.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "11": [
     {
      "rank": 1,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "NATIONAL SENIORS TERM DEPOSIT",
      "product_label": "National Seniors Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 3000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through National Seniors Australia"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6f474df2-c438-4132-939f-9730d5e45165",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/6f474df2-c438-4132-939f-9730d5e45165.json",
      "product_url": "https://nationalseniors.com.au/services/financial/termdeposit",
      "bank_last_updated": "2026-09-29T09:16:28.000+10:00"
     },
     {
      "rank": 2,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": 330,
      "term_days_min": 330,
      "term_days_max": 330,
      "term_raw": "P330D",
      "min_balance": 10000.0,
      "max_balance": 5000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an Australian resident for taxation purposes."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/26ab99ae-81ed-44d0-933f-b6d9f0f4b004",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/26ab99ae-81ed-44d0-933f-b6d9f0f4b004.json",
      "product_url": "https://www.ing.com.au/savings/term-deposit.html",
      "bank_last_updated": "2026-09-13T14:00:00.000Z"
     },
     {
      "rank": 3,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Regular Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/8546b224-85ce-40b4-ba09-3390398b5c4e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/8546b224-85ce-40b4-ba09-3390398b5c4e.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.482282Z"
     },
     {
      "rank": 4,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 5,
      "brand": "Bank of China",
      "brand_label": "Bank of China",
      "brand_slug": "bank-of-china",
      "product_name": "Term Deposit AUD 11M",
      "product_label": "Term Deposit AUD 11M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "Term Deposit AUD 11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/55090857",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-china/55090857.json",
      "product_url": "https://www.bankofchina.com/au/en/pbservice/pb1/201712/t20171214_10912803.html",
      "bank_last_updated": "2026-04-30T22:00:00.000+10:00"
     },
     {
      "rank": 6,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 7,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "9 Month Fixed Term",
      "product_label": "9 Month Fixed Term",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 2000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/9MTH_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/9MTH_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-16T10:54:01.000+10:00"
     },
     {
      "rank": 8,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Platinum Plus Term Deposit 12 months",
      "product_label": "Platinum Plus Term Deposit 12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 55 and over: To receive the Platinum Plus Club Member rates, the account owner of the term deposit must be either an individual aged 55 years or over, or a…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1000-0600",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1000-0600.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits/platinum-plus-term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 9,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 10,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "12 Month Regular Income",
      "product_label": "12 Month Regular Income",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I3_TermDeposit_12mthIncome",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I3_TermDeposit_12mthIncome.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:59:19.000+10:00"
     },
     {
      "rank": 11,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 19999.99,
      "deposit_min": 1000.0,
      "deposit_max": 19999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 12,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 11 Months",
      "product_label": "Term Deposit - 11 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/11",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/11.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 13,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Term Deposit 11 month",
      "product_label": "Term Deposit 11 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/281",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/281.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 14,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.0,
      "deposit_min": 10000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 15,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "24 MONTHS",
      "product_label": "24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/24MTH_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/24MTH_TERM_DEPOSIT.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-07-02T11:03:33.000+10:00"
     },
     {
      "rank": 16,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 17,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.044,
      "rate_pct": 4.4,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 18,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0425,
      "rate_pct": 4.25,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 19,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 5000.0,
      "tier_max": 99999.0,
      "deposit_min": 5000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 20,
      "brand": "Australian Mutual Bank LTD",
      "brand_label": "Australian Mutual Bank",
      "brand_slug": "australian-mutual-bank-ltd",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 330,
      "term_days_max": 364,
      "term_raw": "P364D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/74073f50-1e84-11f1-b37a-325096b39f47",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-mutual-bank-ltd/74073f50-1e84-11f1-b37a-325096b39f47.json",
      "product_url": "https://australianmutual.bank/banking/term-deposits/",
      "bank_last_updated": "2026-08-26T14:27:19.000+10:00"
     },
     {
      "rank": 21,
      "brand": "Firefighters Mutual Bank",
      "brand_label": "Firefighters Mutual Bank",
      "brand_slug": "firefighters-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 330,
      "term_days_max": 364,
      "term_raw": "P364D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/aa76cccb-0cf7-4330-8eb6-e2756aefce0e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/firefighters-mutual-bank/aa76cccb-0cf7-4330-8eb6-e2756aefce0e.json",
      "product_url": "https://www.fmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:15:19.000+10:00"
     },
     {
      "rank": 22,
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 330,
      "term_days_max": 364,
      "term_raw": "P364D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/d45a38f4-5462-4883-8239-7eaea4e2871b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/health-professionals-bank/d45a38f4-5462-4883-8239-7eaea4e2871b.json",
      "product_url": "https://www.hpbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-14T09:14:44.000+10:00"
     },
     {
      "rank": 23,
      "brand": "Teachers Mutual Bank",
      "brand_label": "Teachers Mutual Bank",
      "brand_slug": "teachers-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 330,
      "term_days_max": 364,
      "term_raw": "P364D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/e556280d-1d2b-4fb1-b22f-151e8050bdda",
      "source_snapshot": "/au/finance/term-deposits/v1/source/teachers-mutual-bank/e556280d-1d2b-4fb1-b22f-151e8050bdda.json",
      "product_url": "https://www.tmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:18:27.000+10:00"
     },
     {
      "rank": 24,
      "brand": "UniBank",
      "brand_label": "UniBank",
      "brand_slug": "unibank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 330,
      "term_days_max": 364,
      "term_raw": "P364D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unibank/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c.json",
      "product_url": "https://www.unibank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:25:09.000+10:00"
     },
     {
      "rank": 25,
      "brand": "Australian Military Bank",
      "brand_label": "Australian Military Bank",
      "brand_slug": "australian-military-bank",
      "product_name": "Teen Plus",
      "product_label": "Teen Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 500.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 18 and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4f86dc3e-4af2-40a4-adcf-210d341f538f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-military-bank/4f86dc3e-4af2-40a4-adcf-210d341f538f.json",
      "product_url": "https://www.australianmilitarybank.com.au/term-deposits",
      "bank_last_updated": "2026-08-24T23:18:21.610306Z"
     },
     {
      "rank": 26,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "11 Month Term Deposit",
      "product_label": "11 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/107",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/107.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/standard-term-deposit/",
      "bank_last_updated": "2026-06-11T04:00:41.6927295Z"
     },
     {
      "rank": 27,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 299,
      "term_days_max": 358,
      "term_raw": "P358D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 24999.99,
      "deposit_min": 5000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 28,
      "brand": "Laboratories Credit Union",
      "brand_label": "Laboratories Credit Union",
      "brand_slug": "laboratories-credit-union",
      "product_name": "Monthly Interest 12 Month Term Deposit",
      "product_label": "Monthly Interest 12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "monthly",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…",
       "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…"
      ],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/laboratories-credit-union/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS.json",
      "product_url": "https://join.lcu.com.au/getting-started",
      "bank_last_updated": "2026-10-02T14:13:39.000+10:00"
     },
     {
      "rank": 29,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 306,
      "term_days_max": 335,
      "term_raw": "P335D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 30,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 31,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 32,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 33,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 34,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (6)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": 49999.0,
      "tier_min": 5000.0,
      "tier_max": 49999.0,
      "deposit_min": 5000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_11M_%245%2C000-%2449%2C999",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_11M__5_000-_49_999.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 35,
      "brand": "Queensland Country Bank",
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "product_name": "FTD - Interest at Maturity",
      "product_label": "FTD - Interest at Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/40",
      "source_snapshot": "/au/finance/term-deposits/v1/source/queensland-country-bank/40.json",
      "product_url": "https://www.queenslandcountry.bank/banking/savings-accounts/term-deposits/",
      "bank_last_updated": "2026-10-02T14:00:24.0731915Z"
     },
     {
      "rank": 36,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 37,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 38,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 39,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "11 Month Term Deposit",
      "product_label": "11 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/19",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/19.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-06-28T16:00:22.3851793Z"
     },
     {
      "rank": 40,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest @ Maturity",
      "product_label": "Term Investment - Interest @ Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3000",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3000.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-27T14:00:00Z"
     },
     {
      "rank": 41,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 316,
      "term_days_max": 345,
      "term_raw": "P316D - P345D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 42,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "6M TO LESS THAN 12M",
      "product_label": "6M to Less Than 12M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/6M_TO_LESS_THAN_12M",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/6M_TO_LESS_THAN_12M.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/term-deposits/",
      "bank_last_updated": "2026-08-04T09:47:40.000+10:00"
     },
     {
      "rank": 43,
      "brand": "Central Murray Bank",
      "brand_label": "Central Murray Bank",
      "brand_slug": "central-murray-bank",
      "product_name": "TERM DEPOSIT 11 MONTHS",
      "product_label": "Term Deposit 11 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 24999.99,
      "deposit_min": 10000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/I11_11month",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-murray-bank/I11_11month.json",
      "product_url": "https://www.centralmurray.bank/invest/",
      "bank_last_updated": "2026-05-20T14:02:39.000+10:00"
     },
     {
      "rank": 44,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 45,
      "brand": "Central West CUL",
      "brand_label": "Central West Credit Union",
      "brand_slug": "central-west-cul",
      "product_name": "$5000+ (6m to <12m) I3",
      "product_label": "$5000+ (6m to <12m) I3",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 180,
      "term_days_max": 364,
      "term_raw": "P364D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/I3_Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-west-cul/I3_Fixed_Term_Deposit.json",
      "product_url": "https://www.cwcu.com.au/savings/fixed-term-deposits",
      "bank_last_updated": "2026-04-30T16:40:29.000+10:00"
     },
     {
      "rank": 46,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 5000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/bd41ed42-262c-4445-a7f6-f3b61314ec0c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/bd41ed42-262c-4445-a7f6-f3b61314ec0c.json",
      "product_url": "https://www.bendigobank.com.au/personal/term-deposits/term-deposit-enquiry/",
      "bank_last_updated": "2026-09-24T14:32:23.011Z"
     },
     {
      "rank": 47,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     },
     {
      "rank": 48,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "6-11 months <$25K",
      "product_label": "6-11 Months <$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 24999.99,
      "deposit_min": 1000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_3.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 49,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0225,
      "rate_pct": 2.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M/P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 50,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0175,
      "rate_pct": 1.75,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 334,
      "term_days_max": 364,
      "term_raw": "P334D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 51,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 11 Months",
      "product_label": "Package TD 11 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.012,
      "rate_pct": 1.2,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/32",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/32.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "12": [
     {
      "rank": 1,
      "brand": "CommFCU",
      "brand_label": "Community First Bank",
      "brand_slug": "commfcu",
      "product_name": "12 Month Term Deposit Special",
      "product_label": "12 Month Term Deposit Special",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.056,
      "rate_pct": 5.6,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 2000000.0,
      "deposit_min": 10000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/12_TERM_DEPOSIT_MTH_SPECIAL",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commfcu/12_TERM_DEPOSIT_MTH_SPECIAL.json",
      "product_url": "https://communityfirst.com.au/products/term-deposits",
      "bank_last_updated": "2026-10-02T11:08:30.000+10:00"
     },
     {
      "rank": 2,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 12 Months",
      "product_label": "Package TD 12 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.056,
      "rate_pct": 5.6,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/33",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/33.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-10-01T00:00:32.1421029Z"
     },
     {
      "rank": 3,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0555,
      "rate_pct": 5.55,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 4,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Broker Term Deposit",
      "product_label": "Broker Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0555,
      "rate_pct": 5.55,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 2000000.0,
      "deposit_min": 10000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This account is available via Australian Money Market",
       "available via broker or intermediary",
       "Minimum deposit for new customer is $10K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD03.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD03.1.json",
      "product_url": "https://www.heartlandbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-30T03:59:03Z"
     },
     {
      "rank": 5,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 12 months",
      "product_label": "Term Deposit 12 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.055,
      "rate_pct": 5.5,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/644d03e6-be3c-4d25-a6d3-31f3467b5dd9",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/644d03e6-be3c-4d25-a6d3-31f3467b5dd9.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=212",
      "bank_last_updated": "2026-09-14T22:00:23.894Z"
     },
     {
      "rank": 6,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "1 Year Term Deposit",
      "product_label": "1 Year Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.055,
      "rate_pct": 5.5,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": 365,
      "term_days_min": 365,
      "term_days_max": 365,
      "term_raw": "P365D",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.01,
      "tier_max": 9999999.99,
      "deposit_min": 500.01,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to members only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/993169e5-0490-4e85-a2c9-011f3c689e97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/993169e5-0490-4e85-a2c9-011f3c689e97.json",
      "product_url": "https://form.bankfirst.com.au/account-application",
      "bank_last_updated": "2026-09-16T23:04:02.131684Z"
     },
     {
      "rank": 7,
      "brand": "Qudos Bank",
      "brand_label": "Qudos Bank",
      "brand_slug": "qudos-bank",
      "product_name": "Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.055,
      "rate_pct": 5.5,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products/f435abef-eaed-4d9f-a535-5c2925645472",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qudos-bank/f435abef-eaed-4d9f-a535-5c2925645472.json",
      "product_url": "https://www.qudosbank.com.au/products/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T22:00:26.783Z"
     },
     {
      "rank": 8,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 9,
      "brand": "AMP Bank GO",
      "brand_label": "AMP Bank GO",
      "brand_slug": "amp-bank-go",
      "product_name": "AMP Bank GO 12 Month Term Deposit",
      "product_label": "12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Customers must have an active AMP Bank GO Everyday Account in order to open an AMP Bank GO Personal Term Deposit: Linked Transaction Account"
      ],
      "stacked_bonus": null,
      "source_url": "https://pub.cdr-sme.amp.com.au/api/cds-au/v1/banking/products/5c92f108-9e20-423b-82d4-e0d310184d25",
      "source_snapshot": "/au/finance/term-deposits/v1/source/amp-bank-go/5c92f108-9e20-423b-82d4-e0d310184d25.json",
      "product_url": "https://www.amp.com.au/personal-banking/everyday-money",
      "bank_last_updated": "2026-09-28T00:28:54.067Z"
     },
     {
      "rank": 10,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 5000.0,
      "tier_max": 99999.0,
      "deposit_min": 5000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 11,
      "brand": "ME Bank - ME Go",
      "brand_label": "ME Bank",
      "brand_slug": "me-bank-me-go",
      "product_name": "ME Go Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0537,
      "rate_pct": 5.37,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cds.mebank.com.au/cds-au/v1/banking/products/0f039bda-f265-f011-bec3-002248106111",
      "source_snapshot": "/au/finance/term-deposits/v1/source/me-bank-me-go/0f039bda-f265-f011-bec3-002248106111.json",
      "product_url": "https://www.mebank.com.au/term-deposits/",
      "bank_last_updated": "2026-09-20T22:59:11Z"
     },
     {
      "rank": 12,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 13,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 14,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 15,
      "brand": "Australian Mutual Bank LTD",
      "brand_label": "Australian Mutual Bank",
      "brand_slug": "australian-mutual-bank-ltd",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": 365,
      "term_days_max": 394,
      "term_raw": "P394D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/74073f50-1e84-11f1-b37a-325096b39f47",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-mutual-bank-ltd/74073f50-1e84-11f1-b37a-325096b39f47.json",
      "product_url": "https://australianmutual.bank/banking/term-deposits/",
      "bank_last_updated": "2026-08-26T14:27:19.000+10:00"
     },
     {
      "rank": 16,
      "brand": "BOQ Specialist",
      "brand_label": "BOQ Specialist",
      "brand_slug": "boq-specialist",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 100000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 100000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively available to medical professionals and accountants"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/78906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/boq-specialist/78906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boqspecialist.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-21T00:19:38Z"
     },
     {
      "rank": 17,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online).",
       "linked account required",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 18,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "myBOQ Term Deposit",
      "product_label": "myBOQ Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/6db81f83-f265-f011-bec3-002248106111",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/6db81f83-f265-f011-bec3-002248106111.json",
      "product_url": "https://www.boq.com.au/personal/bank-and-save/term-deposits",
      "bank_last_updated": "2026-09-20T23:19:10Z"
     },
     {
      "rank": 19,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online).",
       "linked account required",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 20,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…",
       "Special rate for personal or SMSF customers only. Available on balances from $5,000 to $5,000,000 with interest paid annually."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 21,
      "brand": "Firefighters Mutual Bank",
      "brand_label": "Firefighters Mutual Bank",
      "brand_slug": "firefighters-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": 365,
      "term_days_max": 394,
      "term_raw": "P394D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/aa76cccb-0cf7-4330-8eb6-e2756aefce0e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/firefighters-mutual-bank/aa76cccb-0cf7-4330-8eb6-e2756aefce0e.json",
      "product_url": "https://www.fmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:15:19.000+10:00"
     },
     {
      "rank": 22,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "12 MONTH FIXED TERM",
      "product_label": "12 Month Fixed Term",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 13,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P13M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 2000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/12MTH_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/12MTH_TERM.json",
      "product_url": "https://firstoptionbank.com.au/online-forms/",
      "bank_last_updated": "2026-06-18T08:59:38.000+10:00"
     },
     {
      "rank": 23,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest @ Maturity",
      "product_label": "Term Investment - Interest @ Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3000",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3000.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-27T14:00:00Z"
     },
     {
      "rank": 24,
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": 365,
      "term_days_max": 394,
      "term_raw": "P394D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/d45a38f4-5462-4883-8239-7eaea4e2871b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/health-professionals-bank/d45a38f4-5462-4883-8239-7eaea4e2871b.json",
      "product_url": "https://www.hpbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-14T09:14:44.000+10:00"
     },
     {
      "rank": 25,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 10000.0,
      "max_balance": 5000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an Australian resident for taxation purposes."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/26ab99ae-81ed-44d0-933f-b6d9f0f4b004",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/26ab99ae-81ed-44d0-933f-b6d9f0f4b004.json",
      "product_url": "https://www.ing.com.au/savings/term-deposit.html",
      "bank_last_updated": "2026-09-13T14:00:00.000Z"
     },
     {
      "rank": 26,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": 336,
      "term_days_max": 365,
      "term_raw": "P365D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 27,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "E&P - Regular Term Deposit",
      "product_label": "E&P - Regular Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through Evans & Partners."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/1f5230e2-e251-4a80-a827-65f136e5d489",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/1f5230e2-e251-4a80-a827-65f136e5d489.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.411989Z"
     },
     {
      "rank": 28,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 29,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": 346,
      "term_days_max": 385,
      "term_raw": "P346D - P385D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 30,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 31,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online).",
       "linked account required",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 32,
      "brand": "Teachers Mutual Bank",
      "brand_label": "Teachers Mutual Bank",
      "brand_slug": "teachers-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": 365,
      "term_days_max": 394,
      "term_raw": "P394D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/e556280d-1d2b-4fb1-b22f-151e8050bdda",
      "source_snapshot": "/au/finance/term-deposits/v1/source/teachers-mutual-bank/e556280d-1d2b-4fb1-b22f-151e8050bdda.json",
      "product_url": "https://www.tmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:18:27.000+10:00"
     },
     {
      "rank": 33,
      "brand": "UniBank",
      "brand_label": "UniBank",
      "brand_slug": "unibank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": 365,
      "term_days_max": 394,
      "term_raw": "P394D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unibank/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c.json",
      "product_url": "https://www.unibank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:25:09.000+10:00"
     },
     {
      "rank": 34,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 35,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online only",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 36,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "NATIONAL SENIORS TERM DEPOSIT",
      "product_label": "National Seniors Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 3000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through National Seniors Australia"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6f474df2-c438-4132-939f-9730d5e45165",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/6f474df2-c438-4132-939f-9730d5e45165.json",
      "product_url": "https://nationalseniors.com.au/services/financial/termdeposit",
      "bank_last_updated": "2026-09-29T09:16:28.000+10:00"
     },
     {
      "rank": 37,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 38,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 12 Months",
      "product_label": "Term Deposit - 12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/12",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/12.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 39,
      "brand": "Geelong Bank",
      "brand_label": "Geelong Bank",
      "brand_slug": "geelong-bank",
      "product_name": "Twelve Month Term Deposit",
      "product_label": "Twelve Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.geelongbank.com.au/OpenBanking/cds-au/v1/banking/products/I12.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/geelong-bank/I12.1.json",
      "product_url": "https://geelongbank.com.au/tools/forms/",
      "bank_last_updated": "2026-09-17T16:52:41.000+10:00"
     },
     {
      "rank": 40,
      "brand": "Hume Bank",
      "brand_label": "Hume Bank",
      "brand_slug": "hume-bank",
      "product_name": "Term Deposit 12M (Interest at Maturity)",
      "product_label": "Term Deposit 12M (Interest at Maturity)",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "personal eligibility inferred: the bank's feed tags every term deposit business-only"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/I1_12M",
      "source_snapshot": "/au/finance/term-deposits/v1/source/hume-bank/I1_12M.json",
      "product_url": "https://www.humebank.com.au/savings/term-deposits/",
      "bank_last_updated": "2026-09-17T20:48:05.000+10:00"
     },
     {
      "rank": 41,
      "brand": "Queensland Country Bank",
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "product_name": "FTD - Interest at Maturity",
      "product_label": "FTD - Interest at Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/40",
      "source_snapshot": "/au/finance/term-deposits/v1/source/queensland-country-bank/40.json",
      "product_url": "https://www.queenslandcountry.bank/banking/savings-accounts/term-deposits/",
      "bank_last_updated": "2026-10-02T14:00:24.0731915Z"
     },
     {
      "rank": 42,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 43,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": 359,
      "term_days_max": 366,
      "term_raw": "P366D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 24999.99,
      "deposit_min": 5000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 44,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 45,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Term Deposit 12 months",
      "product_label": "Term Deposit 12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/213",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/213.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 46,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Platinum Plus Term Deposit 12 months",
      "product_label": "Platinum Plus Term Deposit 12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 55 and over: To receive the Platinum Plus Club Member rates, the account owner of the term deposit must be either an individual aged 55 years or over, or a…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1000-0600",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1000-0600.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits/platinum-plus-term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 47,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 48,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 49,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "Limited Offer 12 months",
      "product_label": "Limited Offer 12 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I2_12",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I2_12.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:45:48.000+10:00"
     },
     {
      "rank": 50,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "12MTH FIXED TERM DEPOSIT",
      "product_label": "12MTH Fixed Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "half_yearly",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "MEMBER ONLY"
      ],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/12MTH_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/12MTH_TERM_DEPOSIT.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-07-02T11:02:00.000+10:00"
     },
     {
      "rank": 51,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 52,
      "brand": "The Capricornian",
      "brand_label": "The Capricornian",
      "brand_slug": "the-capricornian",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": 250000.0,
      "tier_min": 5000.0,
      "tier_max": 250000.0,
      "deposit_min": 5000.0,
      "deposit_max": 250000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to individuals, companies and trust for personal or business use.",
       "Is currently, or wishes to become, a shareholding member of The Capricornian Ltd."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/4ecba156-6b32-420b-8946-3f32b7a0504f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-capricornian/4ecba156-6b32-420b-8946-3f32b7a0504f.json",
      "product_url": "https://www.capricornian.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-10-02T02:31:03.752887Z"
     },
     {
      "rank": 53,
      "brand": "Coastline Bank",
      "brand_label": "Coastline Bank",
      "brand_slug": "coastline-bank",
      "product_name": "I51 Gold Mbr Ftd 12 Mths",
      "product_label": "I51 Gold Mbr Ftd 12 Mths",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 24999.99,
      "deposit_min": 5000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 50 and over",
       "existing customers only",
       "new customers only",
       "Early Withdrawal: Withdrawals or transfers from the term deposit account before maturity are not permitted except in cases of hardship, for genuine needs and w…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.coastline.com.au/cds-au/v1/banking/products/11",
      "source_snapshot": "/au/finance/term-deposits/v1/source/coastline-bank/11.json",
      "product_url": "https://www.coastline.com.au/personal/gold-benefits-club",
      "bank_last_updated": "2026-06-01T00:00:14.8436551Z"
     },
     {
      "rank": 54,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 19999.99,
      "deposit_min": 1000.0,
      "deposit_max": 19999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 55,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "12 Month Term Deposit",
      "product_label": "12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/117",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/117.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/standard-term-deposit/",
      "bank_last_updated": "2026-06-11T04:00:41.6927295Z"
     },
     {
      "rank": 56,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "Term Deposit 12 Months",
      "product_label": "Term Deposit 12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I20_Term_Deposit_12_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I20_Term_Deposit_12_months.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:59:19.000+10:00"
     },
     {
      "rank": 57,
      "brand": "Border Bank",
      "brand_label": "Border Bank",
      "brand_slug": "border-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/797f3952-486a-4683-9bcc-462ad80599fd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/border-bank/797f3952-486a-4683-9bcc-462ad80599fd.json",
      "product_url": "https://www.borderbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:29.599Z"
     },
     {
      "rank": 58,
      "brand": "Broken Hill Bank",
      "brand_label": "Broken Hill Bank",
      "brand_slug": "broken-hill-bank",
      "product_name": "FTD - 12 Months",
      "product_label": "FTD - 12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 499999.99,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/6",
      "source_snapshot": "/au/finance/term-deposits/v1/source/broken-hill-bank/6.json",
      "product_url": "https://brokenhill.bank/open-an-account",
      "bank_last_updated": "2026-06-11T02:00:18.8259621Z"
     },
     {
      "rank": 59,
      "brand": "Cairns bank",
      "brand_label": "Cairns Bank",
      "brand_slug": "cairns-bank",
      "product_name": "Term deposits 1mth under $500,000",
      "product_label": "Term Deposit 1mth Under $500,000",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": 365,
      "term_days_max": 729,
      "term_raw": "P729D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/I1_1M_UNDER_500K",
      "source_snapshot": "/au/finance/term-deposits/v1/source/cairns-bank/I1_1M_UNDER_500K.json",
      "product_url": "https://cairnsbank.com.au/banking/personal-banking/term-deposit-account",
      "bank_last_updated": "2026-06-29T09:36:15.000+10:00"
     },
     {
      "rank": 60,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     },
     {
      "rank": 61,
      "brand": "Horizon Bank",
      "brand_label": "Horizon Bank",
      "brand_slug": "horizon-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/I50_I500001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/horizon-bank/I50_I500001.json",
      "product_url": "https://horizonbank.com.au/forms/savings-account-or-term-deposit-application/",
      "bank_last_updated": "2026-08-17T17:59:37.000+10:00"
     },
     {
      "rank": 62,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "12 Month Term Deposit",
      "product_label": "12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/277",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/277.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-06-28T16:00:22.3851793Z"
     },
     {
      "rank": 63,
      "brand": "Police Bank",
      "brand_label": "Police Bank",
      "brand_slug": "police-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/934b3b27-224e-41b9-a827-2032ec619780",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-bank/934b3b27-224e-41b9-a827-2032ec619780.json",
      "product_url": "https://www.policebank.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:27.339Z"
     },
     {
      "rank": 64,
      "brand": "SWSbank",
      "brand_label": "SWS Bank",
      "brand_slug": "swsbank",
      "product_name": "12 Month Term Deposit",
      "product_label": "12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/I4_TD_12Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/swsbank/I4_TD_12Months.json",
      "product_url": "https://swscu.apply-online.com.au/#/3e8f1c2b-4724-4a65-b5d0-2d7eaf64b99b",
      "bank_last_updated": "2026-05-11T16:55:24.000+10:00"
     },
     {
      "rank": 65,
      "brand": "The Mac",
      "brand_label": "The Mac",
      "brand_slug": "the-mac",
      "product_name": "TERM SAVINGS I4",
      "product_label": "Term Savings I4",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/I4_TERMDEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-mac/I4_TERMDEPOSIT.json",
      "product_url": "https://themaccu.com.au/solutions/everyday-banking-investments/all-everyday-banking-investments/",
      "bank_last_updated": "2026-08-24T08:38:40.000+10:00"
     },
     {
      "rank": 66,
      "brand": "QBANK",
      "brand_label": "QBank",
      "brand_slug": "qbank",
      "product_name": "Term Deposit 12 Month",
      "product_label": "Term Deposit 12 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": 10000.0,
      "tier_max": 99999.99,
      "deposit_min": 10000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You do not have to be a member of Qbank to hold a term deposit."
      ],
      "stacked_bonus": null,
      "source_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/I12_Term_12",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qbank/I12_Term_12.json",
      "product_url": "https://www.qbank.com.au/products/accounts/term-deposits",
      "bank_last_updated": "2026-08-20T19:54:50.000+10:00"
     },
     {
      "rank": 67,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 5000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/bd41ed42-262c-4445-a7f6-f3b61314ec0c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/bd41ed42-262c-4445-a7f6-f3b61314ec0c.json",
      "product_url": "https://www.bendigobank.com.au/personal/term-deposits/term-deposit-enquiry/",
      "bank_last_updated": "2026-09-24T14:32:23.011Z"
     },
     {
      "rank": 68,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 12 Mth Capitalise",
      "product_label": "INV - 12 Mth Capitalise",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 2000.0,
      "tier_max": 49999.99,
      "deposit_min": 2000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/17",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/17.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-09-28T12:00:30.9399881Z"
     },
     {
      "rank": 69,
      "brand": "Central West CUL",
      "brand_label": "Central West Credit Union",
      "brand_slug": "central-west-cul",
      "product_name": "$5000+ (12m - 24m) I4",
      "product_label": "$5000+ (12m - 24m) I4",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 17,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P17M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/I4_Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-west-cul/I4_Fixed_Term_Deposit.json",
      "product_url": "https://www.cwcu.com.au/savings/fixed-term-deposits",
      "bank_last_updated": "2026-07-15T16:48:28.000+10:00"
     },
     {
      "rank": 70,
      "brand": "Northern Inland Credit Union Limited",
      "brand_label": "Northern Inland Credit Union",
      "brand_slug": "northern-inland-credit-union-limited",
      "product_name": "12 MONTHS Term Deposit with interest paid at maturity/annually",
      "product_label": "12 MONTHS Term Deposit with Interest Paid at Maturity/annually",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": 249999.99,
      "tier_min": 10000.0,
      "tier_max": 24999.99,
      "deposit_min": 10000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUI11_STND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/northern-inland-credit-union-limited/NICUI11_STND.json",
      "product_url": "https://www.nicu.com.au/banking/banking-enquiry",
      "bank_last_updated": "2026-04-22T15:00:10.000+10:00"
     },
     {
      "rank": 71,
      "brand": "gmcu",
      "brand_label": "GMCU",
      "brand_slug": "gmcu",
      "product_name": "Fixed Term Deposit - 12 months",
      "product_label": "Fixed Term Deposit - 12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 100.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 1000000.0,
      "deposit_min": 4999.01,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must become a member. Visit our website for more details."
      ],
      "stacked_bonus": null,
      "source_url": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit_12_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gmcu/Term_Deposit_12_months.json",
      "product_url": "https://www.gmcu.com.au/banking/term-deposits/view-all-term-deposits/",
      "bank_last_updated": "2026-08-17T15:45:39.000+10:00"
     },
     {
      "rank": 72,
      "brand": "Laboratories Credit Union",
      "brand_label": "Laboratories Credit Union",
      "brand_slug": "laboratories-credit-union",
      "product_name": "Monthly Interest 12 Month Term Deposit",
      "product_label": "Monthly Interest 12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "monthly",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…",
       "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…"
      ],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/laboratories-credit-union/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS.json",
      "product_url": "https://join.lcu.com.au/getting-started",
      "bank_last_updated": "2026-10-02T14:13:39.000+10:00"
     },
     {
      "rank": 73,
      "brand": "Bank of China",
      "brand_label": "Bank of China",
      "brand_slug": "bank-of-china",
      "product_name": "Term Deposit AUD 12M",
      "product_label": "Term Deposit AUD 12M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "Term Deposit AUD 12M, rate apply for balance 5000 AUD and 4,999,999.99",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/55090509",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-china/55090509.json",
      "product_url": "https://www.bankofchina.com/au/en/pbservice/pb1/201712/t20171214_10912803.html",
      "bank_last_updated": "2026-08-28T00:00:27.000+10:00"
     },
     {
      "rank": 74,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (10)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": 49999.0,
      "tier_min": 5000.0,
      "tier_max": 49999.0,
      "deposit_min": 5000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_12M_%245%2C000-%2449%2C999",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_12M__5_000-_49_999.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 75,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.0,
      "deposit_min": 10000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 76,
      "brand": "Central Murray Bank",
      "brand_label": "Central Murray Bank",
      "brand_slug": "central-murray-bank",
      "product_name": "TERM DEPOSIT 12 MONTHS",
      "product_label": "Term Deposit 12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0425,
      "rate_pct": 4.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 24999.99,
      "deposit_min": 10000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/I4_12month",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-murray-bank/I4_12month.json",
      "product_url": "https://www.centralmurray.bank/invest/term-deposits/",
      "bank_last_updated": "2026-08-06T14:18:36.000+10:00"
     },
     {
      "rank": 77,
      "brand": "Fire Service Credit Union",
      "brand_label": "Fire Service Credit Union",
      "brand_slug": "fire-service-credit-union",
      "product_name": "I12 FTD 12 Months",
      "product_label": "I12 FTD 12 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 24999.0,
      "deposit_min": 5000.0,
      "deposit_max": 24999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/15",
      "source_snapshot": "/au/finance/term-deposits/v1/source/fire-service-credit-union/15.json",
      "product_url": "https://www.fscu.com.au/accounts/term-deposits/",
      "bank_last_updated": "2026-05-20T04:00:33.3305724Z"
     },
     {
      "rank": 78,
      "brand": "Woolworths Team Bank",
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "product_name": "12 MONTHS",
      "product_label": "12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 2000.0,
      "tier_max": 1000000.0,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Woolworths Group Limited and Endeavour Group Limited team members, Immediate family members of Woolworths Group Limited and Endeavour Group Limited team member…"
      ],
      "stacked_bonus": null,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/I12",
      "source_snapshot": "/au/finance/term-deposits/v1/source/woolworths-team-bank/I12.json",
      "product_url": "https://woolworthsteambank.snapforms.com.au/form/term-deposit-form",
      "bank_last_updated": "2026-07-08T13:14:23.000+10:00"
     },
     {
      "rank": 79,
      "brand": "Police Credit Union Ltd",
      "brand_label": "Police Credit Union",
      "brand_slug": "police-credit-union-ltd",
      "product_name": "YORKETOWN TERM DEPOSIT",
      "product_label": "Yorketown Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": 2500000.0,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/I76_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-credit-union-ltd/I76_TERM_DEPOSIT.json",
      "product_url": "https://www.policecu.com.au/rates/",
      "bank_last_updated": "2026-04-30T15:05:43.000+09:30"
     },
     {
      "rank": 80,
      "brand": "Australian Military Bank",
      "brand_label": "Australian Military Bank",
      "brand_slug": "australian-military-bank",
      "product_name": "Teen Plus",
      "product_label": "Teen Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 500.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 18 and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4f86dc3e-4af2-40a4-adcf-210d341f538f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-military-bank/4f86dc3e-4af2-40a4-adcf-210d341f538f.json",
      "product_url": "https://www.australianmilitarybank.com.au/term-deposits",
      "bank_last_updated": "2026-08-24T23:18:21.610306Z"
     },
     {
      "rank": 81,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "TERM 12-23MTHS (EDV)",
      "product_label": "Term 12-23MTHS (EDV)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P23M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/TERM_12-23MTHS_%28EDVEST%29",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/TERM_12-23MTHS__EDVEST_.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/term-deposits/",
      "bank_last_updated": "2026-08-04T09:51:38.000+10:00"
     }
    ],
    "18": [
     {
      "rank": 1,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 2,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": 365,
      "term_days_max": 729,
      "term_raw": "P365D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 3,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 4,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "Limited Offer 18 months",
      "product_label": "Limited Offer 18 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I2_18",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I2_18.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:45:48.000+10:00"
     },
     {
      "rank": 5,
      "brand": "CommFCU",
      "brand_label": "Community First Bank",
      "brand_slug": "commfcu",
      "product_name": "TERM DEPOSITS - 12 MONTHS INTEREST ON MATURITY",
      "product_label": "Term Deposit - 12 Months Interest on Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P23M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.01,
      "tier_max": 49999.0,
      "deposit_min": 5000.01,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/I12-TD-12-ANL",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commfcu/I12-TD-12-ANL.json",
      "product_url": "https://communityfirst.com.au/products/term-deposits",
      "bank_last_updated": "2026-08-17T13:59:34.000+10:00"
     },
     {
      "rank": 6,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 5000.0,
      "tier_max": 99999.0,
      "deposit_min": 5000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 7,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y6M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 8,
      "brand": "Cairns bank",
      "brand_label": "Cairns Bank",
      "brand_slug": "cairns-bank",
      "product_name": "Term deposits 1mth under $500,000",
      "product_label": "Term Deposit 1mth Under $500,000",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": 365,
      "term_days_max": 729,
      "term_raw": "P729D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/I1_1M_UNDER_500K",
      "source_snapshot": "/au/finance/term-deposits/v1/source/cairns-bank/I1_1M_UNDER_500K.json",
      "product_url": "https://cairnsbank.com.au/banking/personal-banking/term-deposit-account",
      "bank_last_updated": "2026-06-29T09:36:15.000+10:00"
     },
     {
      "rank": 9,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 10,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "Term Deposit 18 Months",
      "product_label": "Term Deposit 18 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I20_Term_Deposit_18_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I20_Term_Deposit_18_months.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:59:19.000+10:00"
     },
     {
      "rank": 11,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 12,
      "brand": "Central West CUL",
      "brand_label": "Central West Credit Union",
      "brand_slug": "central-west-cul",
      "product_name": "$5000+ (12m - 24m) I4",
      "product_label": "$5000+ (12m - 24m) I4",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/I4_Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-west-cul/I4_Fixed_Term_Deposit.json",
      "product_url": "https://www.cwcu.com.au/savings/fixed-term-deposits",
      "bank_last_updated": "2026-07-15T16:48:28.000+10:00"
     },
     {
      "rank": 13,
      "brand": "Laboratories Credit Union",
      "brand_label": "Laboratories Credit Union",
      "brand_slug": "laboratories-credit-union",
      "product_name": "Monthly Interest 12 Month Term Deposit",
      "product_label": "Monthly Interest 12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "quarterly",
      "term_months": 13,
      "term_min_months": 13,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P23M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…",
       "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…"
      ],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/laboratories-credit-union/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS.json",
      "product_url": "https://join.lcu.com.au/getting-started",
      "bank_last_updated": "2026-10-02T14:13:39.000+10:00"
     },
     {
      "rank": 14,
      "brand": "Bank of China",
      "brand_label": "Bank of China",
      "brand_slug": "bank-of-china",
      "product_name": "Term Deposit AUD 18M",
      "product_label": "Term Deposit AUD 18M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "Term Deposit AUD 18M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/55090512",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-china/55090512.json",
      "product_url": "https://www.bankofchina.com/au/en/pbservice/pb1/201712/t20171214_10912803.html",
      "bank_last_updated": "2026-08-28T00:00:00.000+10:00"
     },
     {
      "rank": 15,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 13,
      "term_min_months": 13,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P23M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 16,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 19999.99,
      "deposit_min": 1000.0,
      "deposit_max": 19999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 17,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 18 Months",
      "product_label": "Term Deposit - 18 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/13",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/13.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 18,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "half_yearly",
      "term_months": 13,
      "term_min_months": 13,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P13M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 19,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "half_yearly",
      "term_months": 13,
      "term_min_months": 13,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P13M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 20,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "half_yearly",
      "term_months": 13,
      "term_min_months": 13,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P13M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 21,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": 546,
      "term_days_max": 723,
      "term_raw": "P723D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 24999.99,
      "deposit_min": 5000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 22,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "24 MONTHS",
      "product_label": "24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/24MTH_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/24MTH_TERM_DEPOSIT.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-07-02T11:03:33.000+10:00"
     },
     {
      "rank": 23,
      "brand": "QBANK",
      "brand_label": "QBank",
      "brand_slug": "qbank",
      "product_name": "Term Deposit 18 Month",
      "product_label": "Term Deposit 18 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": 10000.0,
      "tier_max": 99999.99,
      "deposit_min": 10000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You do not have to be a member of Qbank to hold a term deposit."
      ],
      "stacked_bonus": null,
      "source_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/I18_Term_18",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qbank/I18_Term_18.json",
      "product_url": "https://www.qbank.com.au/products/accounts/term-deposits",
      "bank_last_updated": "2026-05-11T19:42:59.000+10:00"
     },
     {
      "rank": 24,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 25,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "TD 12-35 Mth (Yr Int)",
      "product_label": "TD 12-35 Mth (Yr Int)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P35M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/16",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/16.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-06-28T16:00:22.3851793Z"
     },
     {
      "rank": 26,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (14)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 5000.0,
      "max_balance": 49999.0,
      "tier_min": 5000.0,
      "tier_max": 49999.0,
      "deposit_min": 5000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_18M_%245%2C000_to_%2449%2C999",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_18M__5_000_to__49_999.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 27,
      "brand": "Australian Mutual Bank LTD",
      "brand_label": "Australian Mutual Bank",
      "brand_slug": "australian-mutual-bank-ltd",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": 545,
      "term_days_max": 729,
      "term_raw": "P729D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/74073f50-1e84-11f1-b37a-325096b39f47",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-mutual-bank-ltd/74073f50-1e84-11f1-b37a-325096b39f47.json",
      "product_url": "https://australianmutual.bank/banking/term-deposits/",
      "bank_last_updated": "2026-08-26T14:27:19.000+10:00"
     },
     {
      "rank": 28,
      "brand": "Firefighters Mutual Bank",
      "brand_label": "Firefighters Mutual Bank",
      "brand_slug": "firefighters-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": 545,
      "term_days_max": 729,
      "term_raw": "P729D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/aa76cccb-0cf7-4330-8eb6-e2756aefce0e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/firefighters-mutual-bank/aa76cccb-0cf7-4330-8eb6-e2756aefce0e.json",
      "product_url": "https://www.fmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:15:19.000+10:00"
     },
     {
      "rank": 29,
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": 545,
      "term_days_max": 729,
      "term_raw": "P729D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/d45a38f4-5462-4883-8239-7eaea4e2871b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/health-professionals-bank/d45a38f4-5462-4883-8239-7eaea4e2871b.json",
      "product_url": "https://www.hpbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-14T09:14:44.000+10:00"
     },
     {
      "rank": 30,
      "brand": "Teachers Mutual Bank",
      "brand_label": "Teachers Mutual Bank",
      "brand_slug": "teachers-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": 545,
      "term_days_max": 729,
      "term_raw": "P729D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/e556280d-1d2b-4fb1-b22f-151e8050bdda",
      "source_snapshot": "/au/finance/term-deposits/v1/source/teachers-mutual-bank/e556280d-1d2b-4fb1-b22f-151e8050bdda.json",
      "product_url": "https://www.tmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:18:27.000+10:00"
     },
     {
      "rank": 31,
      "brand": "UniBank",
      "brand_label": "UniBank",
      "brand_slug": "unibank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": 545,
      "term_days_max": 729,
      "term_raw": "P729D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unibank/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c.json",
      "product_url": "https://www.unibank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:25:09.000+10:00"
     },
     {
      "rank": 32,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "NATIONAL SENIORS TERM DEPOSIT",
      "product_label": "National Seniors Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.039,
      "rate_pct": 3.9,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 3000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through National Seniors Australia"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6f474df2-c438-4132-939f-9730d5e45165",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/6f474df2-c438-4132-939f-9730d5e45165.json",
      "product_url": "https://nationalseniors.com.au/services/financial/termdeposit",
      "bank_last_updated": "2026-09-29T09:16:28.000+10:00"
     },
     {
      "rank": 33,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 34,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 18 months",
      "product_label": "Term Deposit 18 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/3d455cd8-7fed-4849-a85a-dee559f127e6",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/3d455cd8-7fed-4849-a85a-dee559f127e6.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=213",
      "bank_last_updated": "2026-06-24T05:52:03.943Z"
     },
     {
      "rank": 35,
      "brand": "Australian Military Bank",
      "brand_label": "Australian Military Bank",
      "brand_slug": "australian-military-bank",
      "product_name": "Teen Plus",
      "product_label": "Teen Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 500.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 18 and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4f86dc3e-4af2-40a4-adcf-210d341f538f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-military-bank/4f86dc3e-4af2-40a4-adcf-210d341f538f.json",
      "product_url": "https://www.australianmilitarybank.com.au/term-deposits",
      "bank_last_updated": "2026-08-24T23:18:21.610306Z"
     },
     {
      "rank": 36,
      "brand": "RSL Money",
      "brand_label": "RSL Money",
      "brand_slug": "rsl-money",
      "product_name": "RSL Sub-Branch Investment Plus",
      "product_label": "Sub-Branch Investment Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively for RSL Sub Branches and their members"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.rslmoney.com.au/cds-au/v1/banking/products/0cf9e8d4-3a9d-4bbb-9b7c-3065f1a52a65",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rsl-money/0cf9e8d4-3a9d-4bbb-9b7c-3065f1a52a65.json",
      "product_url": "https://www.rslmoney.com.au/contact",
      "bank_last_updated": "2026-08-24T04:54:23.540815Z"
     },
     {
      "rank": 37,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 38,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Online Term Deposit",
      "product_label": "Online Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "half_yearly",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 100000.0,
      "deposit_min": 1000.0,
      "deposit_max": 100000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "New customers are required to open and maintain a High Interest Savings Account (HISA) which is a variable rate at-call savings account which does not charge f…",
       "loyalty bonus on rollover"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/9b82ebfd-cd77-4c6c-a8de-880fdabf0bf4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/9b82ebfd-cd77-4c6c-a8de-880fdabf0bf4.json",
      "product_url": "https://myapplication.rabobank.com.au/apply?CONT=AU&PID=TERMDEP",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 39,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.0,
      "deposit_min": 10000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 40,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "TERM 12-23MTHS (EDV)",
      "product_label": "Term 12-23MTHS (EDV)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P23M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/TERM_12-23MTHS_%28EDVEST%29",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/TERM_12-23MTHS__EDVEST_.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/term-deposits/",
      "bank_last_updated": "2026-08-04T09:51:38.000+10:00"
     },
     {
      "rank": 41,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Platinum Plus Term Deposit 13-60 Months",
      "product_label": "Platinum Plus Term Deposit 13-60 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "annually",
      "term_months": 17,
      "term_min_months": 17,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 55 and over: To receive the Platinum Plus Club Member rates, the account owner of the term deposit must be either an individual aged 55 years or over, or a…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1100-0600",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1100-0600.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits/platinum-plus-term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 42,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest 6 Monthly",
      "product_label": "Term Investment - Interest 6 Monthly",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "half_yearly",
      "term_months": 14,
      "term_min_months": 14,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P23M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3005",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3005.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-23T14:00:00Z"
     },
     {
      "rank": 43,
      "brand": "Woolworths Team Bank",
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "product_name": "18 MONTHS",
      "product_label": "18 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0275,
      "rate_pct": 2.75,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 2000.0,
      "tier_max": 1000000.0,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership is open to team members of Woolworths and Endeavour Groups, their immediate family members, and those with an affinity to Woolworths Group."
      ],
      "stacked_bonus": null,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/18MONTHS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/woolworths-team-bank/18MONTHS.json",
      "product_url": "https://woolworthsteambank.snapforms.com.au/form/term-deposit-form",
      "bank_last_updated": "2026-07-08T13:14:23.000+10:00"
     },
     {
      "rank": 44,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0225,
      "rate_pct": 2.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M/P23M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 45,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 18 Months",
      "product_label": "Package TD 18 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0075,
      "rate_pct": 0.75,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/35",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/35.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "24": [
     {
      "rank": 1,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0555,
      "rate_pct": 5.55,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 2,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.055,
      "rate_pct": 5.5,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 5000.0,
      "tier_max": 99999.0,
      "deposit_min": 5000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 3,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 4,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 24 months",
      "product_label": "Term Deposit 24 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/f69c781b-9809-4a83-bca8-310bd16461a9",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/f69c781b-9809-4a83-bca8-310bd16461a9.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=214",
      "bank_last_updated": "2026-09-21T22:00:26.182Z"
     },
     {
      "rank": 5,
      "brand": "Qudos Bank",
      "brand_label": "Qudos Bank",
      "brand_slug": "qudos-bank",
      "product_name": "Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products/f435abef-eaed-4d9f-a535-5c2925645472",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qudos-bank/f435abef-eaed-4d9f-a535-5c2925645472.json",
      "product_url": "https://www.qudosbank.com.au/products/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T22:00:26.783Z"
     },
     {
      "rank": 6,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 7,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 8,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Term Deposit  24 months",
      "product_label": "Term Deposit 24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/225",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/225.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 9,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 10000.0,
      "max_balance": 5000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an Australian resident for taxation purposes."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/26ab99ae-81ed-44d0-933f-b6d9f0f4b004",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/26ab99ae-81ed-44d0-933f-b6d9f0f4b004.json",
      "product_url": "https://www.ing.com.au/savings/term-deposit.html",
      "bank_last_updated": "2026-09-13T14:00:00.000Z"
     },
     {
      "rank": 10,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To open an account, you must have a valid email address and an Australian mobile number.",
       "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD01.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD01.1.json",
      "product_url": "https://apply.heartlandbank.com.au/banking/HBSelfService/servletcontroller?ProductType=CBL_DEPOSIT_TERM_MB&CustomerType=Individual",
      "bank_last_updated": "2026-09-29T06:16:43Z"
     },
     {
      "rank": 11,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 12,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 13,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 14,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 19,
      "term_min_months": 19,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": 550,
      "term_days_max": 730,
      "term_raw": "P730D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 19999.0,
      "deposit_min": 5000.0,
      "deposit_max": 19999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 15,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Regular Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/8546b224-85ce-40b4-ba09-3390398b5c4e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/8546b224-85ce-40b4-ba09-3390398b5c4e.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.482282Z"
     },
     {
      "rank": 16,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 33,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 17,
      "brand": "Hume Bank",
      "brand_label": "Hume Bank",
      "brand_slug": "hume-bank",
      "product_name": "Term Deposit Online 24M (Paid annually or at Maturity)",
      "product_label": "Term Deposit Online 24M (Paid Annually or at Maturity)",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "personal eligibility inferred: the bank's feed tags every term deposit business-only"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/24M_Online",
      "source_snapshot": "/au/finance/term-deposits/v1/source/hume-bank/24M_Online.json",
      "product_url": "https://www.humebank.com.au/savings/term-deposits/",
      "bank_last_updated": "2026-09-17T20:46:56.000+10:00"
     },
     {
      "rank": 18,
      "brand": "The Capricornian",
      "brand_label": "The Capricornian",
      "brand_slug": "the-capricornian",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": 250000.0,
      "tier_min": 5000.0,
      "tier_max": 250000.0,
      "deposit_min": 5000.0,
      "deposit_max": 250000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to individuals, companies and trust for personal or business use.",
       "Is currently, or wishes to become, a shareholding member of The Capricornian Ltd."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/4ecba156-6b32-420b-8946-3f32b7a0504f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-capricornian/4ecba156-6b32-420b-8946-3f32b7a0504f.json",
      "product_url": "https://www.capricornian.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-10-02T02:31:03.752887Z"
     },
     {
      "rank": 19,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 20,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "2 Year Term Deposit",
      "product_label": "2 Year Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": 730,
      "term_days_min": 730,
      "term_days_max": 730,
      "term_raw": "P730D",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 9999999.0,
      "deposit_min": 500.0,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to members only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/289e86c1-1600-46db-951b-c72b7d071d82",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/289e86c1-1600-46db-951b-c72b7d071d82.json",
      "product_url": "https://form.bankfirst.com.au/account-application",
      "bank_last_updated": "2026-09-16T23:04:28.184156Z"
     },
     {
      "rank": 21,
      "brand": "Broken Hill Bank",
      "brand_label": "Broken Hill Bank",
      "brand_slug": "broken-hill-bank",
      "product_name": "FTD - 24 Months",
      "product_label": "FTD - 24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 499999.99,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/broken-hill-bank/7.json",
      "product_url": "https://brokenhill.bank/open-an-account",
      "bank_last_updated": "2026-06-11T02:00:18.8259621Z"
     },
     {
      "rank": 22,
      "brand": "Queensland Country Bank",
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "product_name": "FTD - Interest at Maturity",
      "product_label": "FTD - Interest at Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/40",
      "source_snapshot": "/au/finance/term-deposits/v1/source/queensland-country-bank/40.json",
      "product_url": "https://www.queenslandcountry.bank/banking/savings-accounts/term-deposits/",
      "bank_last_updated": "2026-10-02T14:00:24.0731915Z"
     },
     {
      "rank": 23,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "Term Deposit 24 Months",
      "product_label": "Term Deposit 24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I20_Term_Deposit_24_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I20_Term_Deposit_24_months.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:59:19.000+10:00"
     },
     {
      "rank": 24,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 25,
      "brand": "Central West CUL",
      "brand_label": "Central West Credit Union",
      "brand_slug": "central-west-cul",
      "product_name": "$5000+ (12m - 24m) I4",
      "product_label": "$5000+ (12m - 24m) I4",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/I4_Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-west-cul/I4_Fixed_Term_Deposit.json",
      "product_url": "https://www.cwcu.com.au/savings/fixed-term-deposits",
      "bank_last_updated": "2026-07-15T16:48:28.000+10:00"
     },
     {
      "rank": 26,
      "brand": "Horizon Bank",
      "brand_label": "Horizon Bank",
      "brand_slug": "horizon-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/I50_I500001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/horizon-bank/I50_I500001.json",
      "product_url": "https://horizonbank.com.au/forms/savings-account-or-term-deposit-application/",
      "bank_last_updated": "2026-08-17T17:59:37.000+10:00"
     },
     {
      "rank": 27,
      "brand": "Coastline Bank",
      "brand_label": "Coastline Bank",
      "brand_slug": "coastline-bank",
      "product_name": "I52 Gold Mbr Ftd 24 Mths",
      "product_label": "I52 Gold Mbr Ftd 24 Mths",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 24999.99,
      "deposit_min": 5000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 50 and over",
       "existing customers only",
       "new customers only",
       "Early Withdrawal: Withdrawals or transfers from the term deposit account before maturity are not permitted except in cases of hardship, for genuine needs and w…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.coastline.com.au/cds-au/v1/banking/products/12",
      "source_snapshot": "/au/finance/term-deposits/v1/source/coastline-bank/12.json",
      "product_url": "https://www.coastline.com.au/personal/gold-benefits-club",
      "bank_last_updated": "2026-09-14T00:00:16.2552749Z"
     },
     {
      "rank": 28,
      "brand": "SWSbank",
      "brand_label": "SWS Bank",
      "brand_slug": "swsbank",
      "product_name": "24 Month Term Deposit",
      "product_label": "24 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.0,
      "deposit_min": 10000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/I6_TD_24Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/swsbank/I6_TD_24Months.json",
      "product_url": "https://swscu.apply-online.com.au/#/3e8f1c2b-4724-4a65-b5d0-2d7eaf64b99b",
      "bank_last_updated": "2026-06-10T16:59:42.000+10:00"
     },
     {
      "rank": 29,
      "brand": "Cairns bank",
      "brand_label": "Cairns Bank",
      "brand_slug": "cairns-bank",
      "product_name": "Term deposits 3mths under $500,000",
      "product_label": "Term Deposit 3mths Under $500,000",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": 730,
      "term_days_max": 1094,
      "term_raw": "P1094D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/I1_3M_UNDER_500K",
      "source_snapshot": "/au/finance/term-deposits/v1/source/cairns-bank/I1_3M_UNDER_500K.json",
      "product_url": "https://cairnsbank.com.au/banking/personal-banking/term-deposit-account",
      "bank_last_updated": "2026-06-29T09:36:15.000+10:00"
     },
     {
      "rank": 30,
      "brand": "CommFCU",
      "brand_label": "Community First Bank",
      "brand_slug": "commfcu",
      "product_name": "TERM DEPOSITS - 24 MONTHS INTEREST ON MATURITY",
      "product_label": "Term Deposit - 24 Months Interest on Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P35M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.01,
      "tier_max": 49999.0,
      "deposit_min": 5000.01,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/I24-TD-24-ANL",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commfcu/I24-TD-24-ANL.json",
      "product_url": "https://communityfirst.com.au/products/term-deposits",
      "bank_last_updated": "2026-06-12T11:11:19.000+10:00"
     },
     {
      "rank": 31,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "24 MONTH FIXED TERM",
      "product_label": "24 Month Fixed Term",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 2000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/24MTH_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/24MTH_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-16T10:59:17.000+10:00"
     },
     {
      "rank": 32,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 24 Months",
      "product_label": "Term Deposit - 24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/14",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/14.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 33,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 34,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 35,
      "brand": "gmcu",
      "brand_label": "GMCU",
      "brand_slug": "gmcu",
      "product_name": "Fixed Term Deposit - 24 months",
      "product_label": "Fixed Term Deposit - 24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 100.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 1000000.0,
      "deposit_min": 4999.01,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must become a member. Visit our website for more details."
      ],
      "stacked_bonus": null,
      "source_url": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit_-_24_Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gmcu/Term_Deposit_-_24_Months.json",
      "product_url": "https://www.gmcu.com.au/banking/term-deposits/view-all-term-deposits/",
      "bank_last_updated": "2026-08-17T15:49:11.000+10:00"
     },
     {
      "rank": 36,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.046,
      "rate_pct": 4.6,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": 724,
      "term_days_max": 731,
      "term_raw": "P731D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 24999.99,
      "deposit_min": 5000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 37,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.046,
      "rate_pct": 4.6,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P35M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 38,
      "brand": "Border Bank",
      "brand_label": "Border Bank",
      "brand_slug": "border-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.046,
      "rate_pct": 4.6,
      "interest_paid": "half_yearly",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/797f3952-486a-4683-9bcc-462ad80599fd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/border-bank/797f3952-486a-4683-9bcc-462ad80599fd.json",
      "product_url": "https://www.borderbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:29.599Z"
     },
     {
      "rank": 39,
      "brand": "Police Bank",
      "brand_label": "Police Bank",
      "brand_slug": "police-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.046,
      "rate_pct": 4.6,
      "interest_paid": "half_yearly",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/934b3b27-224e-41b9-a827-2032ec619780",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-bank/934b3b27-224e-41b9-a827-2032ec619780.json",
      "product_url": "https://www.policebank.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:27.339Z"
     },
     {
      "rank": 40,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 41,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 42,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 5000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/bd41ed42-262c-4445-a7f6-f3b61314ec0c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/bd41ed42-262c-4445-a7f6-f3b61314ec0c.json",
      "product_url": "https://www.bendigobank.com.au/personal/term-deposits/term-deposit-enquiry/",
      "bank_last_updated": "2026-09-24T14:32:23.011Z"
     },
     {
      "rank": 43,
      "brand": "Laboratories Credit Union",
      "brand_label": "Laboratories Credit Union",
      "brand_slug": "laboratories-credit-union",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P35M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…",
       "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…"
      ],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/laboratories-credit-union/Fixed_Term_Deposit.json",
      "product_url": "https://join.lcu.com.au/getting-started",
      "bank_last_updated": "2026-02-11T12:18:04.000+11:00"
     },
     {
      "rank": 44,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "24 MONTHS",
      "product_label": "24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/24MTH_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/24MTH_TERM_DEPOSIT.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-07-02T11:03:33.000+10:00"
     },
     {
      "rank": 45,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 46,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 19999.99,
      "deposit_min": 1000.0,
      "deposit_max": 19999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 47,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 48,
      "brand": "QBANK",
      "brand_label": "QBank",
      "brand_slug": "qbank",
      "product_name": "Term Deposit 24 Month",
      "product_label": "Term Deposit 24 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.044,
      "rate_pct": 4.4,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": 10000.0,
      "tier_max": 99999.99,
      "deposit_min": 10000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You do not have to be a member of Qbank to hold a term deposit."
      ],
      "stacked_bonus": null,
      "source_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/I24_Term_24",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qbank/I24_Term_24.json",
      "product_url": "https://www.qbank.com.au/products/accounts/term-deposits",
      "bank_last_updated": "2026-05-11T19:46:01.000+10:00"
     },
     {
      "rank": 49,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 24 Mth Trf 12 Mthly",
      "product_label": "INV - 24 Mth Trf 12 Mthly",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0435,
      "rate_pct": 4.35,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 2000.0,
      "tier_max": 49999.99,
      "deposit_min": 2000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/23",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/23.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-03-23T12:00:30.9673694Z"
     },
     {
      "rank": 50,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Platinum Plus Term Deposit 13-60 Months",
      "product_label": "Platinum Plus Term Deposit 13-60 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0435,
      "rate_pct": 4.35,
      "interest_paid": "annually",
      "term_months": 23,
      "term_min_months": 23,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 55 and over: To receive the Platinum Plus Club Member rates, the account owner of the term deposit must be either an individual aged 55 years or over, or a…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1100-0600",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1100-0600.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits/platinum-plus-term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 51,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (20)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0425,
      "rate_pct": 4.25,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": 49999.0,
      "tier_min": 5000.0,
      "tier_max": 49999.0,
      "deposit_min": 5000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_24M_%245%2C000_to_%2449%2C999",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_24M__5_000_to__49_999.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 52,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0425,
      "rate_pct": 4.25,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 53,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest 6 Monthly",
      "product_label": "Term Investment - Interest 6 Monthly",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0425,
      "rate_pct": 4.25,
      "interest_paid": "half_yearly",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P35M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3005",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3005.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-23T14:00:00Z"
     },
     {
      "rank": 54,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "TD 12-35 Mth (Yr Int)",
      "product_label": "TD 12-35 Mth (Yr Int)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P35M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/16",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/16.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-06-28T16:00:22.3851793Z"
     },
     {
      "rank": 55,
      "brand": "Northern Inland Credit Union Limited",
      "brand_label": "Northern Inland Credit Union",
      "brand_slug": "northern-inland-credit-union-limited",
      "product_name": "24 MONTHS Term Deposit with interest paid at maturity/annually",
      "product_label": "24 MONTHS Term Deposit with Interest Paid at Maturity/annually",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": 249999.99,
      "tier_min": 10000.0,
      "tier_max": 24999.99,
      "deposit_min": 10000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUI2_STND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/northern-inland-credit-union-limited/NICUI2_STND.json",
      "product_url": "https://www.nicu.com.au/banking/banking-enquiry",
      "bank_last_updated": "2026-04-22T15:00:10.000+10:00"
     },
     {
      "rank": 56,
      "brand": "Australian Mutual Bank LTD",
      "brand_label": "Australian Mutual Bank",
      "brand_slug": "australian-mutual-bank-ltd",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": 730,
      "term_days_max": 1094,
      "term_raw": "P1094D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/74073f50-1e84-11f1-b37a-325096b39f47",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-mutual-bank-ltd/74073f50-1e84-11f1-b37a-325096b39f47.json",
      "product_url": "https://australianmutual.bank/banking/term-deposits/",
      "bank_last_updated": "2026-08-26T14:27:19.000+10:00"
     },
     {
      "rank": 57,
      "brand": "Firefighters Mutual Bank",
      "brand_label": "Firefighters Mutual Bank",
      "brand_slug": "firefighters-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": 730,
      "term_days_max": 1094,
      "term_raw": "P1094D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/aa76cccb-0cf7-4330-8eb6-e2756aefce0e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/firefighters-mutual-bank/aa76cccb-0cf7-4330-8eb6-e2756aefce0e.json",
      "product_url": "https://www.fmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:15:19.000+10:00"
     },
     {
      "rank": 58,
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": 730,
      "term_days_max": 1094,
      "term_raw": "P1094D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/d45a38f4-5462-4883-8239-7eaea4e2871b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/health-professionals-bank/d45a38f4-5462-4883-8239-7eaea4e2871b.json",
      "product_url": "https://www.hpbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-14T09:14:44.000+10:00"
     },
     {
      "rank": 59,
      "brand": "Teachers Mutual Bank",
      "brand_label": "Teachers Mutual Bank",
      "brand_slug": "teachers-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": 730,
      "term_days_max": 1094,
      "term_raw": "P1094D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/e556280d-1d2b-4fb1-b22f-151e8050bdda",
      "source_snapshot": "/au/finance/term-deposits/v1/source/teachers-mutual-bank/e556280d-1d2b-4fb1-b22f-151e8050bdda.json",
      "product_url": "https://www.tmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:18:27.000+10:00"
     },
     {
      "rank": 60,
      "brand": "UniBank",
      "brand_label": "UniBank",
      "brand_slug": "unibank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": 730,
      "term_days_max": 1094,
      "term_raw": "P1094D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unibank/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c.json",
      "product_url": "https://www.unibank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:25:09.000+10:00"
     },
     {
      "rank": 61,
      "brand": "The Mac",
      "brand_label": "The Mac",
      "brand_slug": "the-mac",
      "product_name": "TERM SAVINGS I4",
      "product_label": "Term Savings I4",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/I4_TERMDEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-mac/I4_TERMDEPOSIT.json",
      "product_url": "https://themaccu.com.au/solutions/everyday-banking-investments/all-everyday-banking-investments/",
      "bank_last_updated": "2026-08-24T08:38:40.000+10:00"
     },
     {
      "rank": 62,
      "brand": "Police Credit Union Ltd",
      "brand_label": "Police Credit Union",
      "brand_slug": "police-credit-union-ltd",
      "product_name": "MT GAMBIER TRM DEPOSIT",
      "product_label": "Mt Gambier Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": 2500000.0,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/I71_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-credit-union-ltd/I71_TERM_DEPOSIT.json",
      "product_url": "https://www.policecu.com.au/rates/",
      "bank_last_updated": "2026-04-30T15:04:05.000+09:30"
     },
     {
      "rank": 63,
      "brand": "Australian Military Bank",
      "brand_label": "Australian Military Bank",
      "brand_slug": "australian-military-bank",
      "product_name": "Teen Plus",
      "product_label": "Teen Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 500.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 18 and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4f86dc3e-4af2-40a4-adcf-210d341f538f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-military-bank/4f86dc3e-4af2-40a4-adcf-210d341f538f.json",
      "product_url": "https://www.australianmilitarybank.com.au/term-deposits",
      "bank_last_updated": "2026-08-24T23:18:21.610306Z"
     },
     {
      "rank": 64,
      "brand": "RSL Money",
      "brand_label": "RSL Money",
      "brand_slug": "rsl-money",
      "product_name": "RSL Sub-Branch Investment Plus",
      "product_label": "Sub-Branch Investment Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively for RSL Sub Branches and their members"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.rslmoney.com.au/cds-au/v1/banking/products/0cf9e8d4-3a9d-4bbb-9b7c-3065f1a52a65",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rsl-money/0cf9e8d4-3a9d-4bbb-9b7c-3065f1a52a65.json",
      "product_url": "https://www.rslmoney.com.au/contact",
      "bank_last_updated": "2026-08-24T04:54:23.540815Z"
     },
     {
      "rank": 65,
      "brand": "BOQ Specialist",
      "brand_label": "BOQ Specialist",
      "brand_slug": "boq-specialist",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 100000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 100000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively available to medical professionals and accountants"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/78906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/boq-specialist/78906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boqspecialist.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-21T00:19:38Z"
     },
     {
      "rank": 66,
      "brand": "Central Murray Bank",
      "brand_label": "Central Murray Bank",
      "brand_slug": "central-murray-bank",
      "product_name": "TERM DEPOSIT 24 MONTHS",
      "product_label": "Term Deposit 24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 24999.99,
      "deposit_min": 10000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/I5-24month",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-murray-bank/I5-24month.json",
      "product_url": "https://www.centralmurray.bank/invest/term-deposits/",
      "bank_last_updated": "2026-05-20T14:02:39.000+10:00"
     },
     {
      "rank": 67,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "24 Month Term Deposit - Yearly",
      "product_label": "24 Month Term Deposit - Yearly",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0345,
      "rate_pct": 3.45,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/118",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/118.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/regular-income-term-deposit/",
      "bank_last_updated": "2026-06-11T04:00:41.6927295Z"
     },
     {
      "rank": 68,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.0,
      "deposit_min": 10000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 69,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "18-24 months <$25K",
      "product_label": "18-24 Months <$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 24999.99,
      "deposit_min": 1000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_7.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 70,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 71,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "24 MTHS [EDVEST]",
      "product_label": "24 Mths [Edvest]",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/24_MTHS_%5BEDVEST%5D",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/24_MTHS__EDVEST_.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/term-deposits/",
      "bank_last_updated": "2026-08-04T09:51:38.000+10:00"
     },
     {
      "rank": 72,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.029,
      "rate_pct": 2.9,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     },
     {
      "rank": 73,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 74,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 75,
      "brand": "Woolworths Team Bank",
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "product_name": "24 MONTHS",
      "product_label": "24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0195,
      "rate_pct": 1.95,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 2000.0,
      "tier_max": 1000000.0,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership is open to team members of Woolworths and Endeavour Groups, their immediate family members, and those with an affinity to Woolworths Group"
      ],
      "stacked_bonus": null,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/I24",
      "source_snapshot": "/au/finance/term-deposits/v1/source/woolworths-team-bank/I24.json",
      "product_url": "https://woolworthsteambank.snapforms.com.au/form/term-deposit-form",
      "bank_last_updated": "2026-08-17T12:43:39.000+10:00"
     },
     {
      "rank": 76,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 24 Months",
      "product_label": "Package TD 24 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.017,
      "rate_pct": 1.7,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/37",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/37.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "36": [
     {
      "rank": 1,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 2,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 36 months",
      "product_label": "Term Deposit 36 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 3000000.0,
      "deposit_min": 500.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/a75b54b7-3278-4fba-95d9-9cc143471b8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/a75b54b7-3278-4fba-95d9-9cc143471b8d.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=285",
      "bank_last_updated": "2026-09-21T22:00:24.424Z"
     },
     {
      "rank": 3,
      "brand": "Qudos Bank",
      "brand_label": "Qudos Bank",
      "brand_slug": "qudos-bank",
      "product_name": "Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products/f435abef-eaed-4d9f-a535-5c2925645472",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qudos-bank/f435abef-eaed-4d9f-a535-5c2925645472.json",
      "product_url": "https://www.qudosbank.com.au/products/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T22:00:26.783Z"
     },
     {
      "rank": 4,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 5,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To open an account, you must have a valid email address and an Australian mobile number.",
       "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD01.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD01.1.json",
      "product_url": "https://apply.heartlandbank.com.au/banking/HBSelfService/servletcontroller?ProductType=CBL_DEPOSIT_TERM_MB&CustomerType=Individual",
      "bank_last_updated": "2026-09-29T06:16:43Z"
     },
     {
      "rank": 6,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 7,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 8,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Platinum Plus Term Deposit 13-60 Months",
      "product_label": "Platinum Plus Term Deposit 13-60 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 55 and over: To receive the Platinum Plus Club Member rates, the account owner of the term deposit must be either an individual aged 55 years or over, or a…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1100-0600",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1100-0600.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits/platinum-plus-term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 9,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "3 Year Term Deposit",
      "product_label": "3 Year Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": 1095,
      "term_days_min": 1095,
      "term_days_max": 1095,
      "term_raw": "P1095D",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 9999999.0,
      "deposit_min": 500.0,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to members only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/f82d9637-2f52-4fb3-974d-a23847b6f6c5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/f82d9637-2f52-4fb3-974d-a23847b6f6c5.json",
      "product_url": "https://form.bankfirst.com.au/account-application",
      "bank_last_updated": "2026-09-16T23:04:34.770584Z"
     },
     {
      "rank": 10,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 11,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "Term Deposit 36 Months",
      "product_label": "Term Deposit 36 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I20_Term_deposit_36_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I20_Term_deposit_36_months.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:59:19.000+10:00"
     },
     {
      "rank": 12,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 13,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 5000.0,
      "tier_max": 99999.0,
      "deposit_min": 5000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 14,
      "brand": "Broken Hill Bank",
      "brand_label": "Broken Hill Bank",
      "brand_slug": "broken-hill-bank",
      "product_name": "FTD - 30 to 36 months",
      "product_label": "FTD - 30 to 36 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 499999.99,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/9",
      "source_snapshot": "/au/finance/term-deposits/v1/source/broken-hill-bank/9.json",
      "product_url": "https://brokenhill.bank/open-an-account",
      "bank_last_updated": "2026-06-11T02:00:18.8259621Z"
     },
     {
      "rank": 15,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 16,
      "brand": "CommFCU",
      "brand_label": "Community First Bank",
      "brand_slug": "commfcu",
      "product_name": "TERM DEPOSITS - 36 MONTHS INTEREST ON MATURITY",
      "product_label": "Term Deposit - 36 Months Interest on Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.01,
      "tier_max": 49999.0,
      "deposit_min": 5000.01,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/I36-TD-36-ANL",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commfcu/I36-TD-36-ANL.json",
      "product_url": "https://communityfirst.com.au/products/term-deposits",
      "bank_last_updated": "2026-06-12T11:11:19.000+10:00"
     },
     {
      "rank": 17,
      "brand": "Hume Bank",
      "brand_label": "Hume Bank",
      "brand_slug": "hume-bank",
      "product_name": "Term Deposit Online 36M (Paid Annually or at Maturity)",
      "product_label": "Term Deposit Online 36M (Paid Annually or at Maturity)",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "personal eligibility inferred: the bank's feed tags every term deposit business-only"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/36M_Online",
      "source_snapshot": "/au/finance/term-deposits/v1/source/hume-bank/36M_Online.json",
      "product_url": "https://www.humebank.com.au/savings/term-deposits/",
      "bank_last_updated": "2026-09-17T20:46:56.000+10:00"
     },
     {
      "rank": 18,
      "brand": "Laboratories Credit Union",
      "brand_label": "Laboratories Credit Union",
      "brand_slug": "laboratories-credit-union",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.046,
      "rate_pct": 4.6,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…",
       "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…"
      ],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/laboratories-credit-union/Fixed_Term_Deposit.json",
      "product_url": "https://join.lcu.com.au/getting-started",
      "bank_last_updated": "2026-02-11T12:18:04.000+11:00"
     },
     {
      "rank": 19,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0455,
      "rate_pct": 4.55,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 47,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 20,
      "brand": "Queensland Country Bank",
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "product_name": "FTD - Interest at Maturity",
      "product_label": "FTD - Interest at Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/40",
      "source_snapshot": "/au/finance/term-deposits/v1/source/queensland-country-bank/40.json",
      "product_url": "https://www.queenslandcountry.bank/banking/savings-accounts/term-deposits/",
      "bank_last_updated": "2026-10-02T14:00:24.0731915Z"
     },
     {
      "rank": 21,
      "brand": "Horizon Bank",
      "brand_label": "Horizon Bank",
      "brand_slug": "horizon-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/I50_I500001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/horizon-bank/I50_I500001.json",
      "product_url": "https://horizonbank.com.au/forms/savings-account-or-term-deposit-application/",
      "bank_last_updated": "2026-08-17T17:59:37.000+10:00"
     },
     {
      "rank": 22,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 23,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 24,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "12 MONTHLY INT TERM DEP",
      "product_label": "12 Monthly Int Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0425,
      "rate_pct": 4.25,
      "interest_paid": "annually",
      "term_months": 35,
      "term_min_months": 35,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": 1065,
      "term_days_max": 1095,
      "term_raw": "P1095D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 19999.0,
      "deposit_min": 5000.0,
      "deposit_max": 19999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d25ba6e3-fbda-4c0a-8a10-c81241b8e013",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d25ba6e3-fbda-4c0a-8a10-c81241b8e013.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-05-07T08:56:35.000+10:00"
     },
     {
      "rank": 25,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Regular Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0425,
      "rate_pct": 4.25,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/8546b224-85ce-40b4-ba09-3390398b5c4e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/8546b224-85ce-40b4-ba09-3390398b5c4e.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.482282Z"
     },
     {
      "rank": 26,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": 1090,
      "term_days_max": 1100,
      "term_raw": "P1100D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 24999.99,
      "deposit_min": 5000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 27,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 28,
      "brand": "Border Bank",
      "brand_label": "Border Bank",
      "brand_slug": "border-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "half_yearly",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/797f3952-486a-4683-9bcc-462ad80599fd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/border-bank/797f3952-486a-4683-9bcc-462ad80599fd.json",
      "product_url": "https://www.borderbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:29.599Z"
     },
     {
      "rank": 29,
      "brand": "Police Bank",
      "brand_label": "Police Bank",
      "brand_slug": "police-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "half_yearly",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/934b3b27-224e-41b9-a827-2032ec619780",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-bank/934b3b27-224e-41b9-a827-2032ec619780.json",
      "product_url": "https://www.policebank.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:27.339Z"
     },
     {
      "rank": 30,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 47,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P47M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 31,
      "brand": "Australian Mutual Bank LTD",
      "brand_label": "Australian Mutual Bank",
      "brand_slug": "australian-mutual-bank-ltd",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/74073f50-1e84-11f1-b37a-325096b39f47",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-mutual-bank-ltd/74073f50-1e84-11f1-b37a-325096b39f47.json",
      "product_url": "https://australianmutual.bank/banking/term-deposits/",
      "bank_last_updated": "2026-08-26T14:27:19.000+10:00"
     },
     {
      "rank": 32,
      "brand": "Firefighters Mutual Bank",
      "brand_label": "Firefighters Mutual Bank",
      "brand_slug": "firefighters-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/aa76cccb-0cf7-4330-8eb6-e2756aefce0e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/firefighters-mutual-bank/aa76cccb-0cf7-4330-8eb6-e2756aefce0e.json",
      "product_url": "https://www.fmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:15:19.000+10:00"
     },
     {
      "rank": 33,
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/d45a38f4-5462-4883-8239-7eaea4e2871b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/health-professionals-bank/d45a38f4-5462-4883-8239-7eaea4e2871b.json",
      "product_url": "https://www.hpbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-14T09:14:44.000+10:00"
     },
     {
      "rank": 34,
      "brand": "Teachers Mutual Bank",
      "brand_label": "Teachers Mutual Bank",
      "brand_slug": "teachers-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/e556280d-1d2b-4fb1-b22f-151e8050bdda",
      "source_snapshot": "/au/finance/term-deposits/v1/source/teachers-mutual-bank/e556280d-1d2b-4fb1-b22f-151e8050bdda.json",
      "product_url": "https://www.tmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:18:27.000+10:00"
     },
     {
      "rank": 35,
      "brand": "UniBank",
      "brand_label": "UniBank",
      "brand_slug": "unibank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unibank/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c.json",
      "product_url": "https://www.unibank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:25:09.000+10:00"
     },
     {
      "rank": 36,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 47,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 37,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 47,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 38,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 47,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 39,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 19999.99,
      "deposit_min": 1000.0,
      "deposit_max": 19999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 40,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Bendigo Cash Solutions Term Deposit",
      "product_label": "Cash Solutions Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/b85e1a64-ee7f-475d-b2dd-c0de7b5504b7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/b85e1a64-ee7f-475d-b2dd-c0de7b5504b7.json",
      "product_url": null,
      "bank_last_updated": "2026-07-24T01:18:35.447Z"
     },
     {
      "rank": 41,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 42,
      "brand": "QBANK",
      "brand_label": "QBank",
      "brand_slug": "qbank",
      "product_name": "Term Deposit 36 Month",
      "product_label": "Term Deposit 36 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": 10000.0,
      "tier_max": 99999.99,
      "deposit_min": 10000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You do not have to be a member of Qbank to hold a term deposit."
      ],
      "stacked_bonus": null,
      "source_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/I35_Term_36",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qbank/I35_Term_36.json",
      "product_url": "https://www.qbank.com.au/products/accounts/term-deposits",
      "bank_last_updated": "2026-05-11T19:49:57.000+10:00"
     },
     {
      "rank": 43,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 44,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest 6 Monthly",
      "product_label": "Term Investment - Interest 6 Monthly",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "half_yearly",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 47,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P47M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3005",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3005.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-23T14:00:00Z"
     },
     {
      "rank": 45,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 36 Mth Trf 12 Mthly",
      "product_label": "INV - 36 Mth Trf 12 Mthly",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 2000.0,
      "tier_max": 49999.99,
      "deposit_min": 2000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/25",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/25.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-03-23T12:00:30.9673694Z"
     },
     {
      "rank": 46,
      "brand": "Police Credit Union Ltd",
      "brand_label": "Police Credit Union",
      "brand_slug": "police-credit-union-ltd",
      "product_name": "YORKETOWN TERM DEPOSIT",
      "product_label": "Yorketown Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": 2500000.0,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/I76_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-credit-union-ltd/I76_TERM_DEPOSIT.json",
      "product_url": "https://www.policecu.com.au/rates/",
      "bank_last_updated": "2026-04-30T15:05:43.000+09:30"
     },
     {
      "rank": 47,
      "brand": "BOQ Specialist",
      "brand_label": "BOQ Specialist",
      "brand_slug": "boq-specialist",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 100000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 100000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively available to medical professionals and accountants"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/78906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/boq-specialist/78906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boqspecialist.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-21T00:19:38Z"
     },
     {
      "rank": 48,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "36 Month Term Deposit - Yearly",
      "product_label": "36 Month Term Deposit - Yearly",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/119",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/119.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/regular-income-term-deposit/",
      "bank_last_updated": "2026-06-11T04:00:41.6927295Z"
     },
     {
      "rank": 49,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "TD 36-60 Mth (Yr Int)",
      "product_label": "TD 36-60 Mth (Yr Int)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "annually",
      "term_months": 35,
      "term_min_months": 35,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/29",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/29.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-06-28T16:00:22.3851793Z"
     },
     {
      "rank": 50,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 51,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.0,
      "deposit_min": 10000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 52,
      "brand": "Australian Military Bank",
      "brand_label": "Australian Military Bank",
      "brand_slug": "australian-military-bank",
      "product_name": "Teen Plus",
      "product_label": "Teen Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.032,
      "rate_pct": 3.2,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 500.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 18 and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4f86dc3e-4af2-40a4-adcf-210d341f538f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-military-bank/4f86dc3e-4af2-40a4-adcf-210d341f538f.json",
      "product_url": "https://www.australianmilitarybank.com.au/term-deposits",
      "bank_last_updated": "2026-08-24T23:18:21.610306Z"
     },
     {
      "rank": 53,
      "brand": "RSL Money",
      "brand_label": "RSL Money",
      "brand_slug": "rsl-money",
      "product_name": "RSL Sub-Branch Investment Plus",
      "product_label": "Sub-Branch Investment Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.032,
      "rate_pct": 3.2,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively for RSL Sub Branches and their members"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.rslmoney.com.au/cds-au/v1/banking/products/0cf9e8d4-3a9d-4bbb-9b7c-3065f1a52a65",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rsl-money/0cf9e8d4-3a9d-4bbb-9b7c-3065f1a52a65.json",
      "product_url": "https://www.rslmoney.com.au/contact",
      "bank_last_updated": "2026-08-24T04:54:23.540815Z"
     },
     {
      "rank": 54,
      "brand": "Cairns bank",
      "brand_label": "Cairns Bank",
      "brand_slug": "cairns-bank",
      "product_name": "Term deposits 12mths over $500,000 mthly interest",
      "product_label": "Term Deposit 12mths Over $500,000 Mthly Interest",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0315,
      "rate_pct": 3.15,
      "interest_paid": "monthly",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": 1095,
      "term_days_max": 1096,
      "term_raw": "P1096D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/I99_12M_OVER_500K",
      "source_snapshot": "/au/finance/term-deposits/v1/source/cairns-bank/I99_12M_OVER_500K.json",
      "product_url": "https://cairnsbank.com.au/banking/personal-banking/term-deposit-account",
      "bank_last_updated": "2026-06-29T09:36:15.000+10:00"
     },
     {
      "rank": 55,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.029,
      "rate_pct": 2.9,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     },
     {
      "rank": 56,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 47,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 57,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 58,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 36 Months",
      "product_label": "Package TD 36 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.017,
      "rate_pct": 1.7,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/38",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/38.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "48": [
     {
      "rank": 1,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.055,
      "rate_pct": 5.5,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 2,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To open an account, you must have a valid email address and an Australian mobile number.",
       "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD01.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD01.1.json",
      "product_url": "https://apply.heartlandbank.com.au/banking/HBSelfService/servletcontroller?ProductType=CBL_DEPOSIT_TERM_MB&CustomerType=Individual",
      "bank_last_updated": "2026-09-29T06:16:43Z"
     },
     {
      "rank": 3,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 4,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 5,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 6,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Platinum Plus Term Deposit 13-60 Months",
      "product_label": "Platinum Plus Term Deposit 13-60 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 55 and over: To receive the Platinum Plus Club Member rates, the account owner of the term deposit must be either an individual aged 55 years or over, or a…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1100-0600",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1100-0600.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits/platinum-plus-term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 7,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "4 Year Term Deposit",
      "product_label": "4 Year Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": 1460,
      "term_days_min": 1460,
      "term_days_max": 1460,
      "term_raw": "P1460D",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 9999999.0,
      "deposit_min": 500.0,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to members only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/4c2df64d-a244-4f64-a0c4-61c6fb650b58",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/4c2df64d-a244-4f64-a0c4-61c6fb650b58.json",
      "product_url": "https://form.bankfirst.com.au/account-application",
      "bank_last_updated": "2026-09-16T23:04:41.243384Z"
     },
     {
      "rank": 8,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 9,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 5000.0,
      "tier_max": 99999.0,
      "deposit_min": 5000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 10,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "Term Deposit 48 Months",
      "product_label": "Term Deposit 48 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I20_Term_Deposit_48_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I20_Term_Deposit_48_months.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:55:48.000+10:00"
     },
     {
      "rank": 11,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.046,
      "rate_pct": 4.6,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 12,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0425,
      "rate_pct": 4.25,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 13,
      "brand": "Border Bank",
      "brand_label": "Border Bank",
      "brand_slug": "border-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "half_yearly",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/797f3952-486a-4683-9bcc-462ad80599fd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/border-bank/797f3952-486a-4683-9bcc-462ad80599fd.json",
      "product_url": "https://www.borderbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:29.599Z"
     },
     {
      "rank": 14,
      "brand": "Police Bank",
      "brand_label": "Police Bank",
      "brand_slug": "police-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "half_yearly",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/934b3b27-224e-41b9-a827-2032ec619780",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-bank/934b3b27-224e-41b9-a827-2032ec619780.json",
      "product_url": "https://www.policebank.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:27.339Z"
     },
     {
      "rank": 15,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 59,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P59M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 16,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 59,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 17,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 59,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 18,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 59,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 19,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 20,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 59,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 21,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Bendigo Cash Solutions Term Deposit",
      "product_label": "Cash Solutions Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/b85e1a64-ee7f-475d-b2dd-c0de7b5504b7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/b85e1a64-ee7f-475d-b2dd-c0de7b5504b7.json",
      "product_url": null,
      "bank_last_updated": "2026-07-24T01:18:35.447Z"
     },
     {
      "rank": 22,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 23,
      "brand": "Police Credit Union Ltd",
      "brand_label": "Police Credit Union",
      "brand_slug": "police-credit-union-ltd",
      "product_name": "YORKETOWN TERM DEPOSIT",
      "product_label": "Yorketown Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": 2500000.0,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/I76_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-credit-union-ltd/I76_TERM_DEPOSIT.json",
      "product_url": "https://www.policecu.com.au/rates/",
      "bank_last_updated": "2026-04-30T15:05:43.000+09:30"
     },
     {
      "rank": 24,
      "brand": "QBANK",
      "brand_label": "QBank",
      "brand_slug": "qbank",
      "product_name": "Term Deposit 48 Month",
      "product_label": "Term Deposit 48 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": 10000.0,
      "tier_max": 99999.99,
      "deposit_min": 10000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You do not have to be a member of Qbank to hold a term deposit."
      ],
      "stacked_bonus": null,
      "source_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/I48_Term_48",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qbank/I48_Term_48.json",
      "product_url": "https://www.qbank.com.au/products/accounts/term-deposits",
      "bank_last_updated": "2026-05-11T19:53:12.000+10:00"
     },
     {
      "rank": 25,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 48-60 Mth Trf 12 Mthly",
      "product_label": "INV - 48-60 Mth Trf 12 Mthly",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 2000.0,
      "tier_max": 49999.99,
      "deposit_min": 2000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/13",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/13.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-03-23T12:00:30.9673694Z"
     },
     {
      "rank": 26,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 27,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 28,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest 6 Monthly",
      "product_label": "Term Investment - Interest 6 Monthly",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "half_yearly",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 59,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P59M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3005",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3005.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-23T14:00:00Z"
     },
     {
      "rank": 29,
      "brand": "BOQ Specialist",
      "brand_label": "BOQ Specialist",
      "brand_slug": "boq-specialist",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 100000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 100000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively available to medical professionals and accountants"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/78906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/boq-specialist/78906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boqspecialist.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-21T00:19:38Z"
     },
     {
      "rank": 30,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 19999.99,
      "deposit_min": 1000.0,
      "deposit_max": 19999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 31,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "TD 36-60 Mth (Yr Int)",
      "product_label": "TD 36-60 Mth (Yr Int)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "annually",
      "term_months": 35,
      "term_min_months": 35,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/29",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/29.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-06-28T16:00:22.3851793Z"
     },
     {
      "rank": 32,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 33,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.0,
      "deposit_min": 10000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 34,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 37,
      "term_min_months": 37,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": 1096,
      "term_days_max": 1460,
      "term_raw": "P1460D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 19999.0,
      "deposit_min": 5000.0,
      "deposit_max": 19999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 35,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.029,
      "rate_pct": 2.9,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     },
     {
      "rank": 36,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 59,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 37,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 38,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 48 Months",
      "product_label": "Package TD 48 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0075,
      "rate_pct": 0.75,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/39",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/39.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "60": [
     {
      "rank": 1,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.055,
      "rate_pct": 5.5,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 2,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 3,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To open an account, you must have a valid email address and an Australian mobile number.",
       "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD01.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD01.1.json",
      "product_url": "https://apply.heartlandbank.com.au/banking/HBSelfService/servletcontroller?ProductType=CBL_DEPOSIT_TERM_MB&CustomerType=Individual",
      "bank_last_updated": "2026-09-29T06:16:43Z"
     },
     {
      "rank": 4,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 5,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Platinum Plus Term Deposit 13-60 Months",
      "product_label": "Platinum Plus Term Deposit 13-60 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 55 and over: To receive the Platinum Plus Club Member rates, the account owner of the term deposit must be either an individual aged 55 years or over, or a…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1100-0600",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1100-0600.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits/platinum-plus-term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 6,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 7,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "5 Year Term Deposit",
      "product_label": "5 Year Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": 1825,
      "term_days_min": 1825,
      "term_days_max": 1825,
      "term_raw": "P1825D",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 9999999.0,
      "deposit_min": 500.0,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to members only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/c736d104-9610-49fa-a85c-6680e61eafc0",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/c736d104-9610-49fa-a85c-6680e61eafc0.json",
      "product_url": "https://form.bankfirst.com.au/account-application",
      "bank_last_updated": "2026-09-16T23:04:47.72782Z"
     },
     {
      "rank": 8,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 9,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 5000.0,
      "tier_max": 99999.0,
      "deposit_min": 5000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 10,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0425,
      "rate_pct": 4.25,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 11,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "Term Deposit 60 Months",
      "product_label": "Term Deposit 60 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I20_Term_Deposit_60_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I20_Term_Deposit_60_months.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:55:48.000+10:00"
     },
     {
      "rank": 12,
      "brand": "Border Bank",
      "brand_label": "Border Bank",
      "brand_slug": "border-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "half_yearly",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/797f3952-486a-4683-9bcc-462ad80599fd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/border-bank/797f3952-486a-4683-9bcc-462ad80599fd.json",
      "product_url": "https://www.borderbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:29.599Z"
     },
     {
      "rank": 13,
      "brand": "Police Bank",
      "brand_label": "Police Bank",
      "brand_slug": "police-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "half_yearly",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/934b3b27-224e-41b9-a827-2032ec619780",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-bank/934b3b27-224e-41b9-a827-2032ec619780.json",
      "product_url": "https://www.policebank.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:27.339Z"
     },
     {
      "rank": 14,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 15,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 16,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 17,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 18,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 19,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 20,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 21,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Bendigo Cash Solutions Term Deposit",
      "product_label": "Cash Solutions Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/b85e1a64-ee7f-475d-b2dd-c0de7b5504b7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/b85e1a64-ee7f-475d-b2dd-c0de7b5504b7.json",
      "product_url": null,
      "bank_last_updated": "2026-07-24T01:18:35.447Z"
     },
     {
      "rank": 22,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 23,
      "brand": "QBANK",
      "brand_label": "QBank",
      "brand_slug": "qbank",
      "product_name": "Term Deposit 60 Month",
      "product_label": "Term Deposit 60 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": 10000.0,
      "tier_max": 99999.99,
      "deposit_min": 10000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You do not have to be a member of Qbank to hold a term deposit."
      ],
      "stacked_bonus": null,
      "source_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/I64_Term_60",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qbank/I64_Term_60.json",
      "product_url": "https://www.qbank.com.au/products/accounts/term-deposits/",
      "bank_last_updated": "2026-05-11T19:55:44.000+10:00"
     },
     {
      "rank": 24,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 25,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 48-60 Mth Trf 12 Mthly",
      "product_label": "INV - 48-60 Mth Trf 12 Mthly",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 2000.0,
      "tier_max": 49999.99,
      "deposit_min": 2000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/13",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/13.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-03-23T12:00:30.9673694Z"
     },
     {
      "rank": 26,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 27,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest 6 Monthly",
      "product_label": "Term Investment - Interest 6 Monthly",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "half_yearly",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3005",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3005.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-23T14:00:00Z"
     },
     {
      "rank": 28,
      "brand": "BOQ Specialist",
      "brand_label": "BOQ Specialist",
      "brand_slug": "boq-specialist",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 100000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 100000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively available to medical professionals and accountants"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/78906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/boq-specialist/78906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boqspecialist.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-21T00:19:38Z"
     },
     {
      "rank": 29,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0345,
      "rate_pct": 3.45,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 19999.99,
      "deposit_min": 1000.0,
      "deposit_max": 19999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 30,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "TD 36-60 Mth (Yr Int)",
      "product_label": "TD 36-60 Mth (Yr Int)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "annually",
      "term_months": 35,
      "term_min_months": 35,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/29",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/29.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-06-28T16:00:22.3851793Z"
     },
     {
      "rank": 31,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 32,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 50,
      "term_min_months": 50,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": 1491,
      "term_days_max": 1829,
      "term_raw": "P1829D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 19999.0,
      "deposit_min": 5000.0,
      "deposit_max": 19999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 33,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.032,
      "rate_pct": 3.2,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.0,
      "deposit_min": 10000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 34,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.029,
      "rate_pct": 2.9,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     },
     {
      "rank": 35,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 36,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 60 Months",
      "product_label": "Package TD 60 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0075,
      "rate_pct": 0.75,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/40",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/40.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ]
   },
   "50000": {
    "1": [
     {
      "rank": 1,
      "brand": "Woolworths Team Bank",
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "product_name": "7 MONTHS",
      "product_label": "7 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 0.0,
      "tier_max": 1000000.0,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Woolworths Group Limited and Endeavour Group Limited team members, Immediate family members of Woolworths Group Limited and Endeavour Group Limited team member…"
      ],
      "stacked_bonus": null,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/7Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/woolworths-team-bank/7Months.json",
      "product_url": "https://woolworthsteambank.snapforms.com.au/form/term-deposit-form",
      "bank_last_updated": "2026-09-23T14:21:03.000+10:00"
     },
     {
      "rank": 2,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "12 Month Regular Income",
      "product_label": "12 Month Regular Income",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I3_TermDeposit_12mthIncome",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I3_TermDeposit_12mthIncome.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:59:19.000+10:00"
     },
     {
      "rank": 3,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "24 MONTHS",
      "product_label": "24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/24MTH_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/24MTH_TERM_DEPOSIT.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-07-02T11:03:33.000+10:00"
     },
     {
      "rank": 4,
      "brand": "BOQ Specialist",
      "brand_label": "BOQ Specialist",
      "brand_slug": "boq-specialist",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": 30,
      "term_days_min": 30,
      "term_days_max": 30,
      "term_raw": "P30D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 100000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 100000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively available to medical professionals and accountants"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/78906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/boq-specialist/78906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boqspecialist.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-21T00:19:38Z"
     },
     {
      "rank": 5,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 6,
      "brand": "Fire Service Credit Union",
      "brand_label": "Fire Service Credit Union",
      "brand_slug": "fire-service-credit-union",
      "product_name": "I1 Cheque A Month",
      "product_label": "I1 Cheque A Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 1000000.0,
      "deposit_min": 10000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/11",
      "source_snapshot": "/au/finance/term-deposits/v1/source/fire-service-credit-union/11.json",
      "product_url": "https://www.fscu.com.au/accounts/term-deposits/",
      "bank_last_updated": "2026-05-20T04:00:33.3305724Z"
     },
     {
      "rank": 7,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Standard Rate Term Deposit 1-12 months",
      "product_label": "Standard Rate Term Deposit 1-12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1000-0500",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1000-0500.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 8,
      "brand": "Bank of China",
      "brand_label": "Bank of China",
      "brand_slug": "bank-of-china",
      "product_name": "Term Deposit AUD 1M",
      "product_label": "Term Deposit AUD 1M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "Term Deposit AUD 1M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/55090506",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-china/55090506.json",
      "product_url": "https://www.bankofchina.com/au/en/pbservice/pb1/201712/t20171214_10912803.html",
      "bank_last_updated": "2026-05-07T14:00:00.000+10:00"
     },
     {
      "rank": 9,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Broker Term Deposit",
      "product_label": "Broker Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0255,
      "rate_pct": 2.55,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": 31,
      "term_days_min": 31,
      "term_days_max": 31,
      "term_raw": "P31D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 2000000.0,
      "deposit_min": 10000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This account is available via Australian Money Market",
       "available via broker or intermediary",
       "Minimum deposit for new customer is $10K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD03.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD03.1.json",
      "product_url": "https://www.heartlandbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-30T03:59:03Z"
     },
     {
      "rank": 10,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.025,
      "rate_pct": 2.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 11,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0225,
      "rate_pct": 2.25,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.0,
      "deposit_min": 50000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 12,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0225,
      "rate_pct": 2.25,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 13,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Term Deposit 1 month",
      "product_label": "Term Deposit 1 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available on request only"
      ],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/239",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/239.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-05-20T00:00:00.000+10:00"
     },
     {
      "rank": 14,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 15,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 16,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": 26,
      "term_days_max": 58,
      "term_raw": "P58D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 99999.99,
      "deposit_min": 25000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 17,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 18,
      "brand": "Horizon Bank",
      "brand_label": "Horizon Bank",
      "brand_slug": "horizon-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/I50_I500001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/horizon-bank/I50_I500001.json",
      "product_url": "https://horizonbank.com.au/forms/savings-account-or-term-deposit-application/",
      "bank_last_updated": "2026-08-17T17:59:37.000+10:00"
     },
     {
      "rank": 19,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 20,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0195,
      "rate_pct": 1.95,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": 31,
      "term_days_max": 60,
      "term_raw": "P60D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 21,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 1 Month",
      "product_label": "Term Deposit - 1 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0165,
      "rate_pct": 1.65,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/1.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 22,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.015,
      "rate_pct": 1.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": 7,
      "term_days_max": 30,
      "term_raw": "P7D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 23,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.015,
      "rate_pct": 1.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 24,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.015,
      "rate_pct": 1.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 25,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.014,
      "rate_pct": 1.4,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 26,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.014,
      "rate_pct": 1.4,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 27,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.014,
      "rate_pct": 1.4,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": 30,
      "term_days_min": 30,
      "term_days_max": 30,
      "term_raw": "P30D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 28,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.014,
      "rate_pct": 1.4,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 29,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (56)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0135,
      "rate_pct": 1.35,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 50000.0,
      "max_balance": 199999.0,
      "tier_min": 50000.0,
      "tier_max": 199999.0,
      "deposit_min": 50000.0,
      "deposit_max": 199999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_IM_%2450%2C000-%24199%2C999",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_IM__50_000-_199_999.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 30,
      "brand": "Cairns bank",
      "brand_label": "Cairns Bank",
      "brand_slug": "cairns-bank",
      "product_name": "Term deposits 12mths under $500,000",
      "product_label": "Term Deposit 12mths Under $500,000",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0125,
      "rate_pct": 1.25,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/I1_12M_UNDER_500K",
      "source_snapshot": "/au/finance/term-deposits/v1/source/cairns-bank/I1_12M_UNDER_500K.json",
      "product_url": "https://cairnsbank.com.au/banking/personal-banking/term-deposit-account",
      "bank_last_updated": "2026-06-29T09:28:13.000+10:00"
     },
     {
      "rank": 31,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0125,
      "rate_pct": 1.25,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M/P2M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 32,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0125,
      "rate_pct": 1.25,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 5000.0,
      "tier_max": 99999.0,
      "deposit_min": 5000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 33,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "1 Month Term Deposit",
      "product_label": "1 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.012,
      "rate_pct": 1.2,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/98",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/98.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/standard-term-deposit/",
      "bank_last_updated": "2026-06-11T04:00:41.6927295Z"
     },
     {
      "rank": 34,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.012,
      "rate_pct": 1.2,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 5000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/bd41ed42-262c-4445-a7f6-f3b61314ec0c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/bd41ed42-262c-4445-a7f6-f3b61314ec0c.json",
      "product_url": "https://www.bendigobank.com.au/personal/term-deposits/term-deposit-enquiry/",
      "bank_last_updated": "2026-09-24T14:32:23.011Z"
     },
     {
      "rank": 35,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0115,
      "rate_pct": 1.15,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 36,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.011,
      "rate_pct": 1.1,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 37,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest @ Maturity",
      "product_label": "Term Investment - Interest @ Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.01,
      "rate_pct": 1.0,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3000",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3000.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-27T14:00:00Z"
     },
     {
      "rank": 38,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.01,
      "rate_pct": 1.0,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": 21,
      "term_days_max": 45,
      "term_raw": "P21D - P45D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 39,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "NATIONAL SENIORS TERM DEPOSIT",
      "product_label": "National Seniors Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0075,
      "rate_pct": 0.75,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 3000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through National Seniors Australia"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6f474df2-c438-4132-939f-9730d5e45165",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/6f474df2-c438-4132-939f-9730d5e45165.json",
      "product_url": "https://nationalseniors.com.au/services/financial/termdeposit",
      "bank_last_updated": "2026-09-29T09:16:28.000+10:00"
     },
     {
      "rank": 40,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0075,
      "rate_pct": 0.75,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": 28,
      "term_days_max": 58,
      "term_raw": "P28D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 41,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0055,
      "rate_pct": 0.55,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 42,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Regular Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.005,
      "rate_pct": 0.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/8546b224-85ce-40b4-ba09-3390398b5c4e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/8546b224-85ce-40b4-ba09-3390398b5c4e.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.482282Z"
     }
    ],
    "2": [
     {
      "rank": 1,
      "brand": "Woolworths Team Bank",
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "product_name": "7 MONTHS",
      "product_label": "7 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 0.0,
      "tier_max": 1000000.0,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Woolworths Group Limited and Endeavour Group Limited team members, Immediate family members of Woolworths Group Limited and Endeavour Group Limited team member…"
      ],
      "stacked_bonus": null,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/7Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/woolworths-team-bank/7Months.json",
      "product_url": "https://woolworthsteambank.snapforms.com.au/form/term-deposit-form",
      "bank_last_updated": "2026-09-23T14:21:03.000+10:00"
     },
     {
      "rank": 2,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.0,
      "deposit_min": 50000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 3,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "12 Month Regular Income",
      "product_label": "12 Month Regular Income",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I3_TermDeposit_12mthIncome",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I3_TermDeposit_12mthIncome.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:59:19.000+10:00"
     },
     {
      "rank": 4,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Standard Rate Term Deposit 1-12 months",
      "product_label": "Standard Rate Term Deposit 1-12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1000-0500",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1000-0500.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 5,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": 61,
      "term_days_max": 92,
      "term_raw": "P92D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 6,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "24 MONTHS",
      "product_label": "24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/24MTH_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/24MTH_TERM_DEPOSIT.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-07-02T11:03:33.000+10:00"
     },
     {
      "rank": 7,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0445,
      "rate_pct": 4.45,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 8,
      "brand": "BOQ Specialist",
      "brand_label": "BOQ Specialist",
      "brand_slug": "boq-specialist",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": 60,
      "term_days_min": 60,
      "term_days_max": 60,
      "term_raw": "P60D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 100000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 100000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively available to medical professionals and accountants"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/78906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/boq-specialist/78906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boqspecialist.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-21T00:19:38Z"
     },
     {
      "rank": 9,
      "brand": "Broken Hill Bank",
      "brand_label": "Broken Hill Bank",
      "brand_slug": "broken-hill-bank",
      "product_name": "FTD - 2 to 5 Months",
      "product_label": "FTD - 2 to 5 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 499999.99,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/8",
      "source_snapshot": "/au/finance/term-deposits/v1/source/broken-hill-bank/8.json",
      "product_url": "https://brokenhill.bank/open-an-account",
      "bank_last_updated": "2026-06-11T02:00:18.8259621Z"
     },
     {
      "rank": 10,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 11,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 12,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.023,
      "rate_pct": 2.3,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 13,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Term Deposit 2 months",
      "product_label": "Term Deposit 2 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available on request only"
      ],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/240",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/240.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-05-20T00:00:00.000+10:00"
     },
     {
      "rank": 14,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 15,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 16,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": 59,
      "term_days_max": 88,
      "term_raw": "P88D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 99999.99,
      "deposit_min": 25000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 17,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 18,
      "brand": "Horizon Bank",
      "brand_label": "Horizon Bank",
      "brand_slug": "horizon-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/I50_I500001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/horizon-bank/I50_I500001.json",
      "product_url": "https://horizonbank.com.au/forms/savings-account-or-term-deposit-application/",
      "bank_last_updated": "2026-08-17T17:59:37.000+10:00"
     },
     {
      "rank": 19,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0195,
      "rate_pct": 1.95,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 5000.0,
      "tier_max": 99999.0,
      "deposit_min": 5000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 20,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 2 Months",
      "product_label": "Term Deposit - 2 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.019,
      "rate_pct": 1.9,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/2",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/2.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 21,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0175,
      "rate_pct": 1.75,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 22,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0175,
      "rate_pct": 1.75,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 23,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0175,
      "rate_pct": 1.75,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 24,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0165,
      "rate_pct": 1.65,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 25,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0165,
      "rate_pct": 1.65,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 26,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0165,
      "rate_pct": 1.65,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": 60,
      "term_days_min": 60,
      "term_days_max": 60,
      "term_raw": "P60D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 27,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0165,
      "rate_pct": 1.65,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 28,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "2 Month Term Deposit",
      "product_label": "2 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.016,
      "rate_pct": 1.6,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/99",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/99.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/standard-term-deposit/",
      "bank_last_updated": "2026-06-11T04:00:41.6927295Z"
     },
     {
      "rank": 29,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (25)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.016,
      "rate_pct": 1.6,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 50000.0,
      "max_balance": 199999.0,
      "tier_min": 50000.0,
      "tier_max": 199999.0,
      "deposit_min": 50000.0,
      "deposit_max": 199999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_2M_%2450%2C000-%24199%2C999",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_2M__50_000-_199_999.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 30,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "2 Month Term Deposit",
      "product_label": "2 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.016,
      "rate_pct": 1.6,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/28",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/28.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-06-28T16:00:22.3851793Z"
     },
     {
      "rank": 31,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.016,
      "rate_pct": 1.6,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 32,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0145,
      "rate_pct": 1.45,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 5000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/bd41ed42-262c-4445-a7f6-f3b61314ec0c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/bd41ed42-262c-4445-a7f6-f3b61314ec0c.json",
      "product_url": "https://www.bendigobank.com.au/personal/term-deposits/term-deposit-enquiry/",
      "bank_last_updated": "2026-09-24T14:32:23.011Z"
     },
     {
      "rank": 33,
      "brand": "Border Bank",
      "brand_label": "Border Bank",
      "brand_slug": "border-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.014,
      "rate_pct": 1.4,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 20000.0,
      "tier_max": 500000.0,
      "deposit_min": 20000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/797f3952-486a-4683-9bcc-462ad80599fd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/border-bank/797f3952-486a-4683-9bcc-462ad80599fd.json",
      "product_url": "https://www.borderbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:29.599Z"
     },
     {
      "rank": 34,
      "brand": "Police Bank",
      "brand_label": "Police Bank",
      "brand_slug": "police-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.014,
      "rate_pct": 1.4,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 20000.0,
      "tier_max": 500000.0,
      "deposit_min": 20000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/934b3b27-224e-41b9-a827-2032ec619780",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-bank/934b3b27-224e-41b9-a827-2032ec619780.json",
      "product_url": "https://www.policebank.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:27.339Z"
     },
     {
      "rank": 35,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0135,
      "rate_pct": 1.35,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 36,
      "brand": "Cairns bank",
      "brand_label": "Cairns Bank",
      "brand_slug": "cairns-bank",
      "product_name": "Term deposits 12mths under $500,000",
      "product_label": "Term Deposit 12mths Under $500,000",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0125,
      "rate_pct": 1.25,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/I1_12M_UNDER_500K",
      "source_snapshot": "/au/finance/term-deposits/v1/source/cairns-bank/I1_12M_UNDER_500K.json",
      "product_url": "https://cairnsbank.com.au/banking/personal-banking/term-deposit-account",
      "bank_last_updated": "2026-06-29T09:28:13.000+10:00"
     },
     {
      "rank": 37,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0125,
      "rate_pct": 1.25,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M/P2M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 38,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0115,
      "rate_pct": 1.15,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 39,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "NATIONAL SENIORS TERM DEPOSIT",
      "product_label": "National Seniors Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.01,
      "rate_pct": 1.0,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 3000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through National Seniors Australia"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6f474df2-c438-4132-939f-9730d5e45165",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/6f474df2-c438-4132-939f-9730d5e45165.json",
      "product_url": "https://nationalseniors.com.au/services/financial/termdeposit",
      "bank_last_updated": "2026-09-29T09:16:28.000+10:00"
     },
     {
      "rank": 40,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest @ Maturity",
      "product_label": "Term Investment - Interest @ Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.01,
      "rate_pct": 1.0,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3000",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3000.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-27T14:00:00Z"
     },
     {
      "rank": 41,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.01,
      "rate_pct": 1.0,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": 46,
      "term_days_max": 75,
      "term_raw": "P46D - P75D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 42,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.008,
      "rate_pct": 0.8,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": 59,
      "term_days_max": 88,
      "term_raw": "P59D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 43,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Regular Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.005,
      "rate_pct": 0.5,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/8546b224-85ce-40b4-ba09-3390398b5c4e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/8546b224-85ce-40b4-ba09-3390398b5c4e.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.482282Z"
     },
     {
      "rank": 44,
      "brand": "Police Credit Union Ltd",
      "brand_label": "Police Credit Union",
      "brand_slug": "police-credit-union-ltd",
      "product_name": "YORKETOWN TERM DEPOSIT",
      "product_label": "Yorketown Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0005,
      "rate_pct": 0.05,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": 2500000.0,
      "tier_min": 50000.0,
      "tier_max": 2500000.0,
      "deposit_min": 50000.0,
      "deposit_max": 2500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/I76_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-credit-union-ltd/I76_TERM_DEPOSIT.json",
      "product_url": "https://www.policecu.com.au/rates/",
      "bank_last_updated": "2026-04-30T15:05:43.000+09:30"
     }
    ],
    "3": [
     {
      "rank": 1,
      "brand": "Woolworths Team Bank",
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "product_name": "7 MONTHS",
      "product_label": "7 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 0.0,
      "tier_max": 1000000.0,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Woolworths Group Limited and Endeavour Group Limited team members, Immediate family members of Woolworths Group Limited and Endeavour Group Limited team member…"
      ],
      "stacked_bonus": null,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/7Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/woolworths-team-bank/7Months.json",
      "product_url": "https://woolworthsteambank.snapforms.com.au/form/term-deposit-form",
      "bank_last_updated": "2026-09-23T14:21:03.000+10:00"
     },
     {
      "rank": 2,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 3,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 3 Months",
      "product_label": "Package TD 3 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/24",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/24.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-10-01T00:00:32.1421029Z"
     },
     {
      "rank": 4,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 3 months",
      "product_label": "Term Deposit 3 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Personal, Joint, Self Managed Super Fund (SMSF), Business & Trust."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/b7a085bb-a6cc-46a8-a052-ed6f42b1d58b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/b7a085bb-a6cc-46a8-a052-ed6f42b1d58b.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=203",
      "bank_last_updated": "2026-09-21T22:00:25.125Z"
     },
     {
      "rank": 5,
      "brand": "Qudos Bank",
      "brand_label": "Qudos Bank",
      "brand_slug": "qudos-bank",
      "product_name": "Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products/f435abef-eaed-4d9f-a535-5c2925645472",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qudos-bank/f435abef-eaed-4d9f-a535-5c2925645472.json",
      "product_url": "https://www.qudosbank.com.au/products/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T22:00:26.783Z"
     },
     {
      "rank": 6,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": 90,
      "term_days_min": 90,
      "term_days_max": 90,
      "term_raw": "P90D",
      "min_balance": 10000.0,
      "max_balance": 5000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an Australian resident for taxation purposes."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/26ab99ae-81ed-44d0-933f-b6d9f0f4b004",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/26ab99ae-81ed-44d0-933f-b6d9f0f4b004.json",
      "product_url": "https://www.ing.com.au/savings/term-deposit.html",
      "bank_last_updated": "2026-09-13T14:00:00.000Z"
     },
     {
      "rank": 7,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 8,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 5000.0,
      "tier_max": 99999.0,
      "deposit_min": 5000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 9,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 10,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.0,
      "deposit_min": 50000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 11,
      "brand": "BOQ Specialist",
      "brand_label": "BOQ Specialist",
      "brand_slug": "boq-specialist",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": 90,
      "term_days_min": 90,
      "term_days_max": 90,
      "term_raw": "P90D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 100000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 100000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively available to medical professionals and accountants"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/78906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/boq-specialist/78906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boqspecialist.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-21T00:19:38Z"
     },
     {
      "rank": 12,
      "brand": "ME Bank - ME Go",
      "brand_label": "ME Bank",
      "brand_slug": "me-bank-me-go",
      "product_name": "ME Go Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cds.mebank.com.au/cds-au/v1/banking/products/0f039bda-f265-f011-bec3-002248106111",
      "source_snapshot": "/au/finance/term-deposits/v1/source/me-bank-me-go/0f039bda-f265-f011-bec3-002248106111.json",
      "product_url": "https://www.mebank.com.au/term-deposits/",
      "bank_last_updated": "2026-09-20T22:59:11Z"
     },
     {
      "rank": 13,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "E&P - Regular Term Deposit",
      "product_label": "E&P - Regular Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through Evans & Partners."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/1f5230e2-e251-4a80-a827-65f136e5d489",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/1f5230e2-e251-4a80-a827-65f136e5d489.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.411989Z"
     },
     {
      "rank": 14,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 15,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "NATIONAL SENIORS TERM DEPOSIT",
      "product_label": "National Seniors Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 3000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through National Seniors Australia"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6f474df2-c438-4132-939f-9730d5e45165",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/6f474df2-c438-4132-939f-9730d5e45165.json",
      "product_url": "https://nationalseniors.com.au/services/financial/termdeposit",
      "bank_last_updated": "2026-09-29T09:16:28.000+10:00"
     },
     {
      "rank": 16,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 17,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "90 Day Term Deposit",
      "product_label": "90 Day Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": 90,
      "term_days_min": 90,
      "term_days_max": 90,
      "term_raw": "P90D",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 9999999.99,
      "deposit_min": 500.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to members only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/d0e6a139-7bd9-4998-a254-77583f7017fa",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/d0e6a139-7bd9-4998-a254-77583f7017fa.json",
      "product_url": "https://form.bankfirst.com.au/account-application",
      "bank_last_updated": "2026-09-16T23:04:54.283289Z"
     },
     {
      "rank": 18,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "myBOQ Term Deposit",
      "product_label": "myBOQ Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/6db81f83-f265-f011-bec3-002248106111",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/6db81f83-f265-f011-bec3-002248106111.json",
      "product_url": "https://www.boq.com.au/personal/bank-and-save/term-deposits",
      "bank_last_updated": "2026-09-20T23:19:10Z"
     },
     {
      "rank": 19,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "12 Month Regular Income",
      "product_label": "12 Month Regular Income",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I3_TermDeposit_12mthIncome",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I3_TermDeposit_12mthIncome.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:59:19.000+10:00"
     },
     {
      "rank": 20,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To open an account, you must have a valid email address and an Australian mobile number.",
       "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD01.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD01.1.json",
      "product_url": "https://apply.heartlandbank.com.au/banking/HBSelfService/servletcontroller?ProductType=CBL_DEPOSIT_TERM_MB&CustomerType=Individual",
      "bank_last_updated": "2026-09-29T06:16:43Z"
     },
     {
      "rank": 21,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 22,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 23,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Standard Rate Term Deposit 1-12 months",
      "product_label": "Standard Rate Term Deposit 1-12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1000-0500",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1000-0500.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 24,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 25,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 26,
      "brand": "Australian Mutual Bank LTD",
      "brand_label": "Australian Mutual Bank",
      "brand_slug": "australian-mutual-bank-ltd",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": 90,
      "term_days_max": 119,
      "term_raw": "P119D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/74073f50-1e84-11f1-b37a-325096b39f47",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-mutual-bank-ltd/74073f50-1e84-11f1-b37a-325096b39f47.json",
      "product_url": "https://australianmutual.bank/banking/term-deposits/",
      "bank_last_updated": "2026-08-26T14:27:19.000+10:00"
     },
     {
      "rank": 27,
      "brand": "CommFCU",
      "brand_label": "Community First Bank",
      "brand_slug": "commfcu",
      "product_name": "TERM DEPOSITS - 3 TO 5 MONTHS INTEREST ON MATURITY",
      "product_label": "Term Deposit - 3 to 5 Months Interest on Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 99999.0,
      "deposit_min": 49999.01,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/I3-TD-3-5-ANL",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commfcu/I3-TD-3-5-ANL.json",
      "product_url": "https://communityfirst.com.au/products/term-deposits",
      "bank_last_updated": "2026-06-12T11:11:19.000+10:00"
     },
     {
      "rank": 28,
      "brand": "Firefighters Mutual Bank",
      "brand_label": "Firefighters Mutual Bank",
      "brand_slug": "firefighters-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": 90,
      "term_days_max": 119,
      "term_raw": "P119D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/aa76cccb-0cf7-4330-8eb6-e2756aefce0e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/firefighters-mutual-bank/aa76cccb-0cf7-4330-8eb6-e2756aefce0e.json",
      "product_url": "https://www.fmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:15:19.000+10:00"
     },
     {
      "rank": 29,
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": 90,
      "term_days_max": 119,
      "term_raw": "P119D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/d45a38f4-5462-4883-8239-7eaea4e2871b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/health-professionals-bank/d45a38f4-5462-4883-8239-7eaea4e2871b.json",
      "product_url": "https://www.hpbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-14T09:14:44.000+10:00"
     },
     {
      "rank": 30,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": 61,
      "term_days_max": 92,
      "term_raw": "P92D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 31,
      "brand": "Teachers Mutual Bank",
      "brand_label": "Teachers Mutual Bank",
      "brand_slug": "teachers-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": 90,
      "term_days_max": 119,
      "term_raw": "P119D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/e556280d-1d2b-4fb1-b22f-151e8050bdda",
      "source_snapshot": "/au/finance/term-deposits/v1/source/teachers-mutual-bank/e556280d-1d2b-4fb1-b22f-151e8050bdda.json",
      "product_url": "https://www.tmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:18:27.000+10:00"
     },
     {
      "rank": 32,
      "brand": "UniBank",
      "brand_label": "UniBank",
      "brand_slug": "unibank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": 90,
      "term_days_max": 119,
      "term_raw": "P119D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unibank/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c.json",
      "product_url": "https://www.unibank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:25:09.000+10:00"
     },
     {
      "rank": 33,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 34,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 3 Months",
      "product_label": "Term Deposit - 3 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/3.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 35,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": 89,
      "term_days_max": 118,
      "term_raw": "P118D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 99999.99,
      "deposit_min": 25000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 36,
      "brand": "Coastline Bank",
      "brand_label": "Coastline Bank",
      "brand_slug": "coastline-bank",
      "product_name": "I20 Term Deposit 3 Mths",
      "product_label": "I20 Term Deposit 3 Mths",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "existing customers only",
       "new customers only",
       "Early Withdrawal: Withdrawals or transfers from the term deposit account before maturity are not permitted except in cases of hardship, for genuine needs and w…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.coastline.com.au/cds-au/v1/banking/products/6",
      "source_snapshot": "/au/finance/term-deposits/v1/source/coastline-bank/6.json",
      "product_url": "https://www.coastline.com.au/personal/fixed-term-deposits",
      "bank_last_updated": "2026-06-01T00:00:14.8436551Z"
     },
     {
      "rank": 37,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest @ Maturity",
      "product_label": "Term Investment - Interest @ Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3000",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3000.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-27T14:00:00Z"
     },
     {
      "rank": 38,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": 76,
      "term_days_max": 105,
      "term_raw": "P76D - P105D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 39,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "24 MONTHS",
      "product_label": "24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/24MTH_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/24MTH_TERM_DEPOSIT.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-07-02T11:03:33.000+10:00"
     },
     {
      "rank": 40,
      "brand": "QBANK",
      "brand_label": "QBank",
      "brand_slug": "qbank",
      "product_name": "Term Deposit 3 Month",
      "product_label": "Term Deposit 3 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": 10000.0,
      "tier_max": 99999.99,
      "deposit_min": 10000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You do not have to be a member of Qbank to hold a term deposit."
      ],
      "stacked_bonus": null,
      "source_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/I13_Term_3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qbank/I13_Term_3.json",
      "product_url": "https://www.qbank.com.au/products/accounts/term-deposits",
      "bank_last_updated": "2026-08-20T19:45:40.000+10:00"
     },
     {
      "rank": 41,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "Limited Offer 3 months",
      "product_label": "Limited Offer 3 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I2_1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I2_1.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:45:48.000+10:00"
     },
     {
      "rank": 42,
      "brand": "Horizon Bank",
      "brand_label": "Horizon Bank",
      "brand_slug": "horizon-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.044,
      "rate_pct": 4.4,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/I50_I500001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/horizon-bank/I50_I500001.json",
      "product_url": "https://horizonbank.com.au/forms/savings-account-or-term-deposit-application/",
      "bank_last_updated": "2026-08-17T17:59:37.000+10:00"
     },
     {
      "rank": 43,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Term Deposit 3 months",
      "product_label": "Term Deposit 3 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0435,
      "rate_pct": 4.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/204",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/204.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 44,
      "brand": "Fire Service Credit Union",
      "brand_label": "Fire Service Credit Union",
      "brand_slug": "fire-service-credit-union",
      "product_name": "I3 FTD 3 Months",
      "product_label": "I3 FTD 3 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0435,
      "rate_pct": 4.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/12",
      "source_snapshot": "/au/finance/term-deposits/v1/source/fire-service-credit-union/12.json",
      "product_url": "https://www.fscu.com.au/accounts/term-deposits/",
      "bank_last_updated": "2026-05-20T04:00:33.3305724Z"
     },
     {
      "rank": 45,
      "brand": "Australian Military Bank",
      "brand_label": "Australian Military Bank",
      "brand_slug": "australian-military-bank",
      "product_name": "Teen Plus",
      "product_label": "Teen Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.043,
      "rate_pct": 4.3,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 500.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 18 and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4f86dc3e-4af2-40a4-adcf-210d341f538f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-military-bank/4f86dc3e-4af2-40a4-adcf-210d341f538f.json",
      "product_url": "https://www.australianmilitarybank.com.au/term-deposits",
      "bank_last_updated": "2026-08-24T23:18:21.610306Z"
     },
     {
      "rank": 46,
      "brand": "Bank of China",
      "brand_label": "Bank of China",
      "brand_slug": "bank-of-china",
      "product_name": "Term Deposit AUD 3M",
      "product_label": "Term Deposit AUD 3M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.043,
      "rate_pct": 4.3,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "Term Deposit AUD 3M, rate apply for balance 5000 AUD and 4,999,999.99",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/55090507",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-china/55090507.json",
      "product_url": "https://www.bankofchina.com/au/en/pbservice/pb1/201712/t20171214_10912803.html",
      "bank_last_updated": "2026-03-27T14:00:32.000+11:00"
     },
     {
      "rank": 47,
      "brand": "Border Bank",
      "brand_label": "Border Bank",
      "brand_slug": "border-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.043,
      "rate_pct": 4.3,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/797f3952-486a-4683-9bcc-462ad80599fd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/border-bank/797f3952-486a-4683-9bcc-462ad80599fd.json",
      "product_url": "https://www.borderbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:29.599Z"
     },
     {
      "rank": 48,
      "brand": "Police Bank",
      "brand_label": "Police Bank",
      "brand_slug": "police-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.043,
      "rate_pct": 4.3,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/934b3b27-224e-41b9-a827-2032ec619780",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-bank/934b3b27-224e-41b9-a827-2032ec619780.json",
      "product_url": "https://www.policebank.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:27.339Z"
     },
     {
      "rank": 49,
      "brand": "Police Credit Union Ltd",
      "brand_label": "Police Credit Union",
      "brand_slug": "police-credit-union-ltd",
      "product_name": "YORKETOWN TERM DEPOSIT",
      "product_label": "Yorketown Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0415,
      "rate_pct": 4.15,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": 2500000.0,
      "tier_min": 50000.0,
      "tier_max": 2500000.0,
      "deposit_min": 50000.0,
      "deposit_max": 2500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/I76_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-credit-union-ltd/I76_TERM_DEPOSIT.json",
      "product_url": "https://www.policecu.com.au/rates/",
      "bank_last_updated": "2026-04-30T15:05:43.000+09:30"
     },
     {
      "rank": 50,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 3 Mth Capitalise",
      "product_label": "INV - 3 Mth Capitalise",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 50000.0,
      "tier_max": 199999.99,
      "deposit_min": 50000.0,
      "deposit_max": 199999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/12",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/12.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-04-07T12:00:30.9645062Z"
     },
     {
      "rank": 51,
      "brand": "The Capricornian",
      "brand_label": "The Capricornian",
      "brand_slug": "the-capricornian",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": 250000.0,
      "tier_min": 5000.0,
      "tier_max": 250000.0,
      "deposit_min": 5000.0,
      "deposit_max": 250000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to individuals, companies and trust for personal or business use.",
       "Is currently, or wishes to become, a shareholding member of The Capricornian Ltd."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/4ecba156-6b32-420b-8946-3f32b7a0504f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-capricornian/4ecba156-6b32-420b-8946-3f32b7a0504f.json",
      "product_url": "https://www.capricornian.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-10-02T02:31:03.752887Z"
     },
     {
      "rank": 52,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (29)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 50000.0,
      "max_balance": 199999.0,
      "tier_min": 50000.0,
      "tier_max": 199999.0,
      "deposit_min": 50000.0,
      "deposit_max": 199999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_3M_%2450%2C000-%24199%2C999",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_3M__50_000-_199_999.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 53,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "3 Month Term Deposit",
      "product_label": "3 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/88",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/88.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/standard-term-deposit/",
      "bank_last_updated": "2026-06-11T04:00:41.6927295Z"
     },
     {
      "rank": 54,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 55,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "& Retirement Term Deposit",
      "product_label": "& Retirement Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 55 and over",
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/13",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/13.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-06-28T16:00:22.3851793Z"
     },
     {
      "rank": 56,
      "brand": "Cairns bank",
      "brand_label": "Cairns Bank",
      "brand_slug": "cairns-bank",
      "product_name": "Term deposits 24mths under $500,000",
      "product_label": "Term Deposit 24mths Under $500,000",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/I1_24M_UNDER_500K",
      "source_snapshot": "/au/finance/term-deposits/v1/source/cairns-bank/I1_24M_UNDER_500K.json",
      "product_url": "https://cairnsbank.com.au/banking/personal-banking/term-deposit-account",
      "bank_last_updated": "2026-06-29T09:28:13.000+10:00"
     },
     {
      "rank": 57,
      "brand": "Geelong Bank",
      "brand_label": "Geelong Bank",
      "brand_slug": "geelong-bank",
      "product_name": "Three Month Term Deposit",
      "product_label": "Three Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.geelongbank.com.au/OpenBanking/cds-au/v1/banking/products/I3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/geelong-bank/I3.json",
      "product_url": "https://geelongbank.com.au/tools/forms/",
      "bank_last_updated": "2026-05-25T10:11:14.000+10:00"
     },
     {
      "rank": 58,
      "brand": "Hume Bank",
      "brand_label": "Hume Bank",
      "brand_slug": "hume-bank",
      "product_name": "Term Deposit Online 3M (Interest at Maturity)",
      "product_label": "Term Deposit Online 3M (Interest at Maturity)",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "personal eligibility inferred: the bank's feed tags every term deposit business-only"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/3M_Online",
      "source_snapshot": "/au/finance/term-deposits/v1/source/hume-bank/3M_Online.json",
      "product_url": "https://www.humebank.com.au/savings/term-deposits/",
      "bank_last_updated": "2026-09-17T20:46:56.000+10:00"
     },
     {
      "rank": 59,
      "brand": "Queensland Country Bank",
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "product_name": "FTD - Interest at Maturity",
      "product_label": "FTD - Interest at Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/40",
      "source_snapshot": "/au/finance/term-deposits/v1/source/queensland-country-bank/40.json",
      "product_url": "https://www.queenslandcountry.bank/banking/savings-accounts/term-deposits/",
      "bank_last_updated": "2026-10-02T14:00:24.0731915Z"
     },
     {
      "rank": 60,
      "brand": "gmcu",
      "brand_label": "GMCU",
      "brand_slug": "gmcu",
      "product_name": "Fixed Term Deposit - 3 to 5 months",
      "product_label": "Fixed Term Deposit - 3 to 5 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 100.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 3000000.0,
      "deposit_min": 4999.01,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must become a member. Visit our website for more details."
      ],
      "stacked_bonus": null,
      "source_url": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit_-_3_to_5_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gmcu/Term_Deposit_-_3_to_5_months.json",
      "product_url": "https://www.gmcu.com.au/banking/term-deposits/view-all-term-deposits/",
      "bank_last_updated": "2026-04-09T14:18:40.000+10:00"
     },
     {
      "rank": 61,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 62,
      "brand": "The Mac",
      "brand_label": "The Mac",
      "brand_slug": "the-mac",
      "product_name": "TERM SAVINGS I4",
      "product_label": "Term Savings I4",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/I4_TERMDEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-mac/I4_TERMDEPOSIT.json",
      "product_url": "https://themaccu.com.au/solutions/everyday-banking-investments/all-everyday-banking-investments/",
      "bank_last_updated": "2026-08-24T08:38:40.000+10:00"
     },
     {
      "rank": 63,
      "brand": "Laboratories Credit Union",
      "brand_label": "Laboratories Credit Union",
      "brand_slug": "laboratories-credit-union",
      "product_name": "Monthly Interest 12 Month Term Deposit",
      "product_label": "Monthly Interest 12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "monthly",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…",
       "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…"
      ],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/laboratories-credit-union/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS.json",
      "product_url": "https://join.lcu.com.au/getting-started",
      "bank_last_updated": "2026-10-02T14:13:39.000+10:00"
     },
     {
      "rank": 64,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 20000.0,
      "tier_max": 99999.99,
      "deposit_min": 20000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 65,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 66,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 67,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": 90,
      "term_days_min": 90,
      "term_days_max": 90,
      "term_raw": "P90D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 68,
      "brand": "SWSbank",
      "brand_label": "SWS Bank",
      "brand_slug": "swsbank",
      "product_name": "3 Month Term Deposit",
      "product_label": "3 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 9999999.0,
      "deposit_min": 50000.0,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/I3_TD_3Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/swsbank/I3_TD_3Months.json",
      "product_url": "https://swscu.apply-online.com.au/#/3e8f1c2b-4724-4a65-b5d0-2d7eaf64b99b",
      "bank_last_updated": "2026-05-11T16:49:14.000+10:00"
     },
     {
      "rank": 69,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "3M TO LESS THAN 6M",
      "product_label": "3M to Less Than 6M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/3M_TO_LESS_THAN_6M",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/3M_TO_LESS_THAN_6M.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/term-deposits/",
      "bank_last_updated": "2026-08-04T09:47:40.000+10:00"
     },
     {
      "rank": 70,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 71,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 72,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 73,
      "brand": "Broken Hill Bank",
      "brand_label": "Broken Hill Bank",
      "brand_slug": "broken-hill-bank",
      "product_name": "FTD - 2 to 5 Months",
      "product_label": "FTD - 2 to 5 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 499999.99,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/8",
      "source_snapshot": "/au/finance/term-deposits/v1/source/broken-hill-bank/8.json",
      "product_url": "https://brokenhill.bank/open-an-account",
      "bank_last_updated": "2026-06-11T02:00:18.8259621Z"
     },
     {
      "rank": 74,
      "brand": "Central Murray Bank",
      "brand_label": "Central Murray Bank",
      "brand_slug": "central-murray-bank",
      "product_name": "TERM DEPOSIT 3 MONTHS",
      "product_label": "Term Deposit 3 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 3500000.0,
      "deposit_min": 50000.0,
      "deposit_max": 3500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/I1_3month",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-murray-bank/I1_3month.json",
      "product_url": "https://www.centralmurray.bank/invest/",
      "bank_last_updated": "2026-05-20T14:02:39.000+10:00"
     },
     {
      "rank": 75,
      "brand": "Central West CUL",
      "brand_label": "Central West Credit Union",
      "brand_slug": "central-west-cul",
      "product_name": "$5000+ (3m to <6m) I6",
      "product_label": "$5000+ (3m to <6m) I6",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 90,
      "term_days_max": 179,
      "term_raw": "P179D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1000000.0,
      "deposit_min": 50000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/I6_Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-west-cul/I6_Fixed_Term_Deposit.json",
      "product_url": "https://www.cwcu.com.au/savings/fixed-term-deposits",
      "bank_last_updated": "2026-04-30T16:39:16.000+10:00"
     },
     {
      "rank": 76,
      "brand": "Northern Inland Credit Union Limited",
      "brand_label": "Northern Inland Credit Union",
      "brand_slug": "northern-inland-credit-union-limited",
      "product_name": "3 MONTHS Term Deposit with interest paid at maturity/annually",
      "product_label": "3 MONTHS Term Deposit with Interest Paid at Maturity/annually",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": 249999.99,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUI13_STND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/northern-inland-credit-union-limited/NICUI13_STND.json",
      "product_url": "https://www.nicu.com.au/banking/banking-enquiry",
      "bank_last_updated": "2026-04-22T15:00:10.000+10:00"
     },
     {
      "rank": 77,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 78,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     },
     {
      "rank": 79,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Bendigo Cash Solutions Term Deposit",
      "product_label": "Cash Solutions Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.028,
      "rate_pct": 2.8,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/b85e1a64-ee7f-475d-b2dd-c0de7b5504b7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/b85e1a64-ee7f-475d-b2dd-c0de7b5504b7.json",
      "product_url": null,
      "bank_last_updated": "2026-07-24T01:18:35.447Z"
     }
    ],
    "4": [
     {
      "rank": 1,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": 93,
      "term_days_max": 122,
      "term_raw": "P122D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 2,
      "brand": "Woolworths Team Bank",
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "product_name": "7 MONTHS",
      "product_label": "7 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 0.0,
      "tier_max": 1000000.0,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Woolworths Group Limited and Endeavour Group Limited team members, Immediate family members of Woolworths Group Limited and Endeavour Group Limited team member…"
      ],
      "stacked_bonus": null,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/7Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/woolworths-team-bank/7Months.json",
      "product_url": "https://woolworthsteambank.snapforms.com.au/form/term-deposit-form",
      "bank_last_updated": "2026-09-23T14:21:03.000+10:00"
     },
     {
      "rank": 3,
      "brand": "Border Bank",
      "brand_label": "Border Bank",
      "brand_slug": "border-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/797f3952-486a-4683-9bcc-462ad80599fd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/border-bank/797f3952-486a-4683-9bcc-462ad80599fd.json",
      "product_url": "https://www.borderbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:29.599Z"
     },
     {
      "rank": 4,
      "brand": "Police Bank",
      "brand_label": "Police Bank",
      "brand_slug": "police-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/934b3b27-224e-41b9-a827-2032ec619780",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-bank/934b3b27-224e-41b9-a827-2032ec619780.json",
      "product_url": "https://www.policebank.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:27.339Z"
     },
     {
      "rank": 5,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "120 Day Term Deposit",
      "product_label": "120 Day Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": 120,
      "term_days_min": 120,
      "term_days_max": 120,
      "term_raw": "P120D",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 9999999.99,
      "deposit_min": 500.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to members only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/27e18b2e-2328-41b1-99bf-46d42bbec54d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/27e18b2e-2328-41b1-99bf-46d42bbec54d.json",
      "product_url": "https://form.bankfirst.com.au/account-application",
      "bank_last_updated": "2026-09-16T23:04:15.135066Z"
     },
     {
      "rank": 6,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     },
     {
      "rank": 7,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Term Deposit 4 month",
      "product_label": "Term Deposit 4 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/284",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/284.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-05-20T00:00:00.000+10:00"
     },
     {
      "rank": 8,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 9,
      "brand": "BOQ Specialist",
      "brand_label": "BOQ Specialist",
      "brand_slug": "boq-specialist",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": 120,
      "term_days_min": 120,
      "term_days_max": 120,
      "term_raw": "P120D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 100000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 100000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively available to medical professionals and accountants"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/78906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/boq-specialist/78906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boqspecialist.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-21T00:19:38Z"
     },
     {
      "rank": 10,
      "brand": "ME Bank - ME Go",
      "brand_label": "ME Bank",
      "brand_slug": "me-bank-me-go",
      "product_name": "ME Go Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cds.mebank.com.au/cds-au/v1/banking/products/0f039bda-f265-f011-bec3-002248106111",
      "source_snapshot": "/au/finance/term-deposits/v1/source/me-bank-me-go/0f039bda-f265-f011-bec3-002248106111.json",
      "product_url": "https://www.mebank.com.au/term-deposits/",
      "bank_last_updated": "2026-09-20T22:59:11Z"
     },
     {
      "rank": 11,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 12,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "myBOQ Term Deposit",
      "product_label": "myBOQ Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/6db81f83-f265-f011-bec3-002248106111",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/6db81f83-f265-f011-bec3-002248106111.json",
      "product_url": "https://www.boq.com.au/personal/bank-and-save/term-deposits",
      "bank_last_updated": "2026-09-20T23:19:10Z"
     },
     {
      "rank": 13,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": 120,
      "term_days_min": 120,
      "term_days_max": 120,
      "term_raw": "P120D",
      "min_balance": 10000.0,
      "max_balance": 5000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an Australian resident for taxation purposes."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/26ab99ae-81ed-44d0-933f-b6d9f0f4b004",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/26ab99ae-81ed-44d0-933f-b6d9f0f4b004.json",
      "product_url": "https://www.ing.com.au/savings/term-deposit.html",
      "bank_last_updated": "2026-09-13T14:00:00.000Z"
     },
     {
      "rank": 14,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "12 Month Regular Income",
      "product_label": "12 Month Regular Income",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I3_TermDeposit_12mthIncome",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I3_TermDeposit_12mthIncome.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:59:19.000+10:00"
     },
     {
      "rank": 15,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "NATIONAL SENIORS TERM DEPOSIT",
      "product_label": "National Seniors Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 3000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through National Seniors Australia"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6f474df2-c438-4132-939f-9730d5e45165",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/6f474df2-c438-4132-939f-9730d5e45165.json",
      "product_url": "https://nationalseniors.com.au/services/financial/termdeposit",
      "bank_last_updated": "2026-09-29T09:16:28.000+10:00"
     },
     {
      "rank": 16,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 17,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Regular Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/8546b224-85ce-40b4-ba09-3390398b5c4e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/8546b224-85ce-40b4-ba09-3390398b5c4e.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.482282Z"
     },
     {
      "rank": 18,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 19,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 20,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": 119,
      "term_days_max": 148,
      "term_raw": "P148D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 99999.99,
      "deposit_min": 25000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 21,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 22,
      "brand": "Horizon Bank",
      "brand_label": "Horizon Bank",
      "brand_slug": "horizon-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.046,
      "rate_pct": 4.6,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/I50_I500001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/horizon-bank/I50_I500001.json",
      "product_url": "https://horizonbank.com.au/forms/savings-account-or-term-deposit-application/",
      "bank_last_updated": "2026-08-17T17:59:37.000+10:00"
     },
     {
      "rank": 23,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "4 Month Term Deposit",
      "product_label": "4 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0455,
      "rate_pct": 4.55,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/100",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/100.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/standard-term-deposit/",
      "bank_last_updated": "2026-06-11T04:00:41.6927295Z"
     },
     {
      "rank": 24,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0455,
      "rate_pct": 4.55,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 20000.0,
      "tier_max": 99999.99,
      "deposit_min": 20000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 25,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 4 Months",
      "product_label": "Term Deposit - 4 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/4.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 26,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "24 MONTHS",
      "product_label": "24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/24MTH_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/24MTH_TERM_DEPOSIT.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-07-02T11:03:33.000+10:00"
     },
     {
      "rank": 27,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 28,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Standard Rate Term Deposit 1-12 months",
      "product_label": "Standard Rate Term Deposit 1-12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.044,
      "rate_pct": 4.4,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1000-0500",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1000-0500.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 29,
      "brand": "Australian Military Bank",
      "brand_label": "Australian Military Bank",
      "brand_slug": "australian-military-bank",
      "product_name": "Teen Plus",
      "product_label": "Teen Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.043,
      "rate_pct": 4.3,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 500.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 18 and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4f86dc3e-4af2-40a4-adcf-210d341f538f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-military-bank/4f86dc3e-4af2-40a4-adcf-210d341f538f.json",
      "product_url": "https://www.australianmilitarybank.com.au/term-deposits",
      "bank_last_updated": "2026-08-24T23:18:21.610306Z"
     },
     {
      "rank": 30,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "4 Month Term Deposit",
      "product_label": "4 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.043,
      "rate_pct": 4.3,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/24",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/24.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-06-28T16:00:22.3851793Z"
     },
     {
      "rank": 31,
      "brand": "Australian Mutual Bank LTD",
      "brand_label": "Australian Mutual Bank",
      "brand_slug": "australian-mutual-bank-ltd",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": 120,
      "term_days_max": 149,
      "term_raw": "P149D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/74073f50-1e84-11f1-b37a-325096b39f47",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-mutual-bank-ltd/74073f50-1e84-11f1-b37a-325096b39f47.json",
      "product_url": "https://australianmutual.bank/banking/term-deposits/",
      "bank_last_updated": "2026-08-26T14:27:19.000+10:00"
     },
     {
      "rank": 32,
      "brand": "Firefighters Mutual Bank",
      "brand_label": "Firefighters Mutual Bank",
      "brand_slug": "firefighters-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": 120,
      "term_days_max": 149,
      "term_raw": "P149D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/aa76cccb-0cf7-4330-8eb6-e2756aefce0e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/firefighters-mutual-bank/aa76cccb-0cf7-4330-8eb6-e2756aefce0e.json",
      "product_url": "https://www.fmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:15:19.000+10:00"
     },
     {
      "rank": 33,
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": 120,
      "term_days_max": 149,
      "term_raw": "P149D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/d45a38f4-5462-4883-8239-7eaea4e2871b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/health-professionals-bank/d45a38f4-5462-4883-8239-7eaea4e2871b.json",
      "product_url": "https://www.hpbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-14T09:14:44.000+10:00"
     },
     {
      "rank": 34,
      "brand": "Teachers Mutual Bank",
      "brand_label": "Teachers Mutual Bank",
      "brand_slug": "teachers-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": 120,
      "term_days_max": 149,
      "term_raw": "P149D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/e556280d-1d2b-4fb1-b22f-151e8050bdda",
      "source_snapshot": "/au/finance/term-deposits/v1/source/teachers-mutual-bank/e556280d-1d2b-4fb1-b22f-151e8050bdda.json",
      "product_url": "https://www.tmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:18:27.000+10:00"
     },
     {
      "rank": 35,
      "brand": "UniBank",
      "brand_label": "UniBank",
      "brand_slug": "unibank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": 120,
      "term_days_max": 149,
      "term_raw": "P149D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unibank/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c.json",
      "product_url": "https://www.unibank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:25:09.000+10:00"
     },
     {
      "rank": 36,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 37,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 5000.0,
      "tier_max": 99999.0,
      "deposit_min": 5000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 38,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.039,
      "rate_pct": 3.9,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 39,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.0,
      "deposit_min": 50000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 40,
      "brand": "Cairns bank",
      "brand_label": "Cairns Bank",
      "brand_slug": "cairns-bank",
      "product_name": "Term deposits 24mths under $500,000",
      "product_label": "Term Deposit 24mths Under $500,000",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/I1_24M_UNDER_500K",
      "source_snapshot": "/au/finance/term-deposits/v1/source/cairns-bank/I1_24M_UNDER_500K.json",
      "product_url": "https://cairnsbank.com.au/banking/personal-banking/term-deposit-account",
      "bank_last_updated": "2026-06-29T09:28:13.000+10:00"
     },
     {
      "rank": 41,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest @ Maturity",
      "product_label": "Term Investment - Interest @ Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3000",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3000.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-27T14:00:00Z"
     },
     {
      "rank": 42,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": 106,
      "term_days_max": 135,
      "term_raw": "P106D - P135D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 43,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 5000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/bd41ed42-262c-4445-a7f6-f3b61314ec0c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/bd41ed42-262c-4445-a7f6-f3b61314ec0c.json",
      "product_url": "https://www.bendigobank.com.au/personal/term-deposits/term-deposit-enquiry/",
      "bank_last_updated": "2026-09-24T14:32:23.011Z"
     },
     {
      "rank": 44,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (33)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 50000.0,
      "max_balance": 199999.0,
      "tier_min": 50000.0,
      "tier_max": 199999.0,
      "deposit_min": 50000.0,
      "deposit_max": 199999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_4M_%2450%2C000-%24199%2C999",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_4M__50_000-_199_999.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 45,
      "brand": "Queensland Country Bank",
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "product_name": "FTD - Interest at Maturity",
      "product_label": "FTD - Interest at Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/40",
      "source_snapshot": "/au/finance/term-deposits/v1/source/queensland-country-bank/40.json",
      "product_url": "https://www.queenslandcountry.bank/banking/savings-accounts/term-deposits/",
      "bank_last_updated": "2026-10-02T14:00:24.0731915Z"
     },
     {
      "rank": 46,
      "brand": "gmcu",
      "brand_label": "GMCU",
      "brand_slug": "gmcu",
      "product_name": "Fixed Term Deposit - 3 to 5 months",
      "product_label": "Fixed Term Deposit - 3 to 5 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 100.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 3000000.0,
      "deposit_min": 4999.01,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must become a member. Visit our website for more details."
      ],
      "stacked_bonus": null,
      "source_url": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit_-_3_to_5_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gmcu/Term_Deposit_-_3_to_5_months.json",
      "product_url": "https://www.gmcu.com.au/banking/term-deposits/view-all-term-deposits/",
      "bank_last_updated": "2026-04-09T14:18:40.000+10:00"
     },
     {
      "rank": 47,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 48,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 49,
      "brand": "Laboratories Credit Union",
      "brand_label": "Laboratories Credit Union",
      "brand_slug": "laboratories-credit-union",
      "product_name": "Monthly Interest 12 Month Term Deposit",
      "product_label": "Monthly Interest 12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "monthly",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…",
       "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…"
      ],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/laboratories-credit-union/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS.json",
      "product_url": "https://join.lcu.com.au/getting-started",
      "bank_last_updated": "2026-10-02T14:13:39.000+10:00"
     },
     {
      "rank": 50,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 51,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 52,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 53,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 54,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 55,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 56,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "3M TO LESS THAN 6M",
      "product_label": "3M to Less Than 6M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/3M_TO_LESS_THAN_6M",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/3M_TO_LESS_THAN_6M.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/term-deposits/",
      "bank_last_updated": "2026-08-04T09:47:40.000+10:00"
     },
     {
      "rank": 57,
      "brand": "Broken Hill Bank",
      "brand_label": "Broken Hill Bank",
      "brand_slug": "broken-hill-bank",
      "product_name": "FTD - 2 to 5 Months",
      "product_label": "FTD - 2 to 5 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 499999.99,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/8",
      "source_snapshot": "/au/finance/term-deposits/v1/source/broken-hill-bank/8.json",
      "product_url": "https://brokenhill.bank/open-an-account",
      "bank_last_updated": "2026-06-11T02:00:18.8259621Z"
     },
     {
      "rank": 58,
      "brand": "Central Murray Bank",
      "brand_label": "Central Murray Bank",
      "brand_slug": "central-murray-bank",
      "product_name": "TERM DEPOSIT 4 MONTHS",
      "product_label": "Term Deposit 4 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 3500000.0,
      "deposit_min": 50000.0,
      "deposit_max": 3500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/I8_4month",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-murray-bank/I8_4month.json",
      "product_url": "https://www.centralmurray.bank/invest/term-deposits/",
      "bank_last_updated": "2026-05-20T14:02:39.000+10:00"
     },
     {
      "rank": 59,
      "brand": "Central West CUL",
      "brand_label": "Central West Credit Union",
      "brand_slug": "central-west-cul",
      "product_name": "$5000+ (3m to <6m) I6",
      "product_label": "$5000+ (3m to <6m) I6",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 90,
      "term_days_max": 179,
      "term_raw": "P179D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1000000.0,
      "deposit_min": 50000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/I6_Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-west-cul/I6_Fixed_Term_Deposit.json",
      "product_url": "https://www.cwcu.com.au/savings/fixed-term-deposits",
      "bank_last_updated": "2026-04-30T16:39:16.000+10:00"
     },
     {
      "rank": 60,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "3-5 months >$25K",
      "product_label": "3-5 Months >$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.027,
      "rate_pct": 2.7,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 25000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_2",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_2.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 61,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.015,
      "rate_pct": 1.5,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M/P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 62,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 4 Months",
      "product_label": "Package TD 4 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.008,
      "rate_pct": 0.8,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/25",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/25.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     },
     {
      "rank": 63,
      "brand": "Bank of China",
      "brand_label": "Bank of China",
      "brand_slug": "bank-of-china",
      "product_name": "Term Deposit AUD 4M",
      "product_label": "Term Deposit AUD 4M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.005,
      "rate_pct": 0.5,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "Term Deposit AUD 4M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/55090851",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-china/55090851.json",
      "product_url": "https://www.bankofchina.com/au/en/pbservice/pb1/201712/t20171214_10912803.html",
      "bank_last_updated": "2026-03-10T17:00:00.000+11:00"
     }
    ],
    "5": [
     {
      "rank": 1,
      "brand": "Woolworths Team Bank",
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "product_name": "7 MONTHS",
      "product_label": "7 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 0.0,
      "tier_max": 1000000.0,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Woolworths Group Limited and Endeavour Group Limited team members, Immediate family members of Woolworths Group Limited and Endeavour Group Limited team member…"
      ],
      "stacked_bonus": null,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/7Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/woolworths-team-bank/7Months.json",
      "product_url": "https://woolworthsteambank.snapforms.com.au/form/term-deposit-form",
      "bank_last_updated": "2026-09-23T14:21:03.000+10:00"
     },
     {
      "rank": 2,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 3,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.0,
      "deposit_min": 50000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 4,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "Term Deposit 5 Months",
      "product_label": "Term Deposit 5 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I20_Term_Deposit_5_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I20_Term_Deposit_5_months.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:55:48.000+10:00"
     },
     {
      "rank": 5,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 6,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "5 Month Term Deposit",
      "product_label": "5 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/25",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/25.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-08-24T00:00:23.3443857Z"
     },
     {
      "rank": 7,
      "brand": "Queensland Country Bank",
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "product_name": "Special 5 month",
      "product_label": "Special 5 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/75",
      "source_snapshot": "/au/finance/term-deposits/v1/source/queensland-country-bank/75.json",
      "product_url": "https://www.queenslandcountry.bank/banking/savings-accounts/term-deposits/",
      "bank_last_updated": "2026-10-02T14:00:24.0731915Z"
     },
     {
      "rank": 8,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "NATIONAL SENIORS TERM DEPOSIT",
      "product_label": "National Seniors Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 3000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through National Seniors Australia"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6f474df2-c438-4132-939f-9730d5e45165",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/6f474df2-c438-4132-939f-9730d5e45165.json",
      "product_url": "https://nationalseniors.com.au/services/financial/termdeposit",
      "bank_last_updated": "2026-09-29T09:16:28.000+10:00"
     },
     {
      "rank": 9,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 10,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 123,
      "term_days_max": 153,
      "term_raw": "P153D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 11,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Regular Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/8546b224-85ce-40b4-ba09-3390398b5c4e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/8546b224-85ce-40b4-ba09-3390398b5c4e.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.482282Z"
     },
     {
      "rank": 12,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "5 Month Term Deposit",
      "product_label": "5 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/101",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/101.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/standard-term-deposit/",
      "bank_last_updated": "2026-08-24T00:00:53.9498705Z"
     },
     {
      "rank": 13,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 149,
      "term_days_max": 178,
      "term_raw": "P178D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 99999.99,
      "deposit_min": 25000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 14,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Term Deposit 5 month",
      "product_label": "Term Deposit 5 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/285",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/285.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 15,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 16,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.046,
      "rate_pct": 4.6,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 20000.0,
      "tier_max": 99999.99,
      "deposit_min": 20000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 17,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Standard Rate Term Deposit 1-12 months",
      "product_label": "Standard Rate Term Deposit 1-12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0455,
      "rate_pct": 4.55,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1000-0500",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1000-0500.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 18,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 5 Months",
      "product_label": "Term Deposit - 5 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/5.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 19,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "24 MONTHS",
      "product_label": "24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/24MTH_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/24MTH_TERM_DEPOSIT.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-07-02T11:03:33.000+10:00"
     },
     {
      "rank": 20,
      "brand": "Australian Military Bank",
      "brand_label": "Australian Military Bank",
      "brand_slug": "australian-military-bank",
      "product_name": "Teen Plus",
      "product_label": "Teen Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.043,
      "rate_pct": 4.3,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 500.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 18 and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4f86dc3e-4af2-40a4-adcf-210d341f538f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-military-bank/4f86dc3e-4af2-40a4-adcf-210d341f538f.json",
      "product_url": "https://www.australianmilitarybank.com.au/term-deposits",
      "bank_last_updated": "2026-08-24T23:18:21.610306Z"
     },
     {
      "rank": 21,
      "brand": "Border Bank",
      "brand_label": "Border Bank",
      "brand_slug": "border-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.043,
      "rate_pct": 4.3,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/797f3952-486a-4683-9bcc-462ad80599fd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/border-bank/797f3952-486a-4683-9bcc-462ad80599fd.json",
      "product_url": "https://www.borderbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:29.599Z"
     },
     {
      "rank": 22,
      "brand": "Police Bank",
      "brand_label": "Police Bank",
      "brand_slug": "police-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.043,
      "rate_pct": 4.3,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/934b3b27-224e-41b9-a827-2032ec619780",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-bank/934b3b27-224e-41b9-a827-2032ec619780.json",
      "product_url": "https://www.policebank.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:27.339Z"
     },
     {
      "rank": 23,
      "brand": "Australian Mutual Bank LTD",
      "brand_label": "Australian Mutual Bank",
      "brand_slug": "australian-mutual-bank-ltd",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 150,
      "term_days_max": 179,
      "term_raw": "P179D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/74073f50-1e84-11f1-b37a-325096b39f47",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-mutual-bank-ltd/74073f50-1e84-11f1-b37a-325096b39f47.json",
      "product_url": "https://australianmutual.bank/banking/term-deposits/",
      "bank_last_updated": "2026-08-26T14:27:19.000+10:00"
     },
     {
      "rank": 24,
      "brand": "Firefighters Mutual Bank",
      "brand_label": "Firefighters Mutual Bank",
      "brand_slug": "firefighters-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 150,
      "term_days_max": 179,
      "term_raw": "P179D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/aa76cccb-0cf7-4330-8eb6-e2756aefce0e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/firefighters-mutual-bank/aa76cccb-0cf7-4330-8eb6-e2756aefce0e.json",
      "product_url": "https://www.fmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:15:19.000+10:00"
     },
     {
      "rank": 25,
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 150,
      "term_days_max": 179,
      "term_raw": "P179D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/d45a38f4-5462-4883-8239-7eaea4e2871b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/health-professionals-bank/d45a38f4-5462-4883-8239-7eaea4e2871b.json",
      "product_url": "https://www.hpbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-14T09:14:44.000+10:00"
     },
     {
      "rank": 26,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 27,
      "brand": "Teachers Mutual Bank",
      "brand_label": "Teachers Mutual Bank",
      "brand_slug": "teachers-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 150,
      "term_days_max": 179,
      "term_raw": "P179D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/e556280d-1d2b-4fb1-b22f-151e8050bdda",
      "source_snapshot": "/au/finance/term-deposits/v1/source/teachers-mutual-bank/e556280d-1d2b-4fb1-b22f-151e8050bdda.json",
      "product_url": "https://www.tmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:18:27.000+10:00"
     },
     {
      "rank": 28,
      "brand": "UniBank",
      "brand_label": "UniBank",
      "brand_slug": "unibank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 150,
      "term_days_max": 179,
      "term_raw": "P179D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unibank/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c.json",
      "product_url": "https://www.unibank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:25:09.000+10:00"
     },
     {
      "rank": 29,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 30,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 31,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.039,
      "rate_pct": 3.9,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 32,
      "brand": "Cairns bank",
      "brand_label": "Cairns Bank",
      "brand_slug": "cairns-bank",
      "product_name": "Term deposits 24mths under $500,000",
      "product_label": "Term Deposit 24mths Under $500,000",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/I1_24M_UNDER_500K",
      "source_snapshot": "/au/finance/term-deposits/v1/source/cairns-bank/I1_24M_UNDER_500K.json",
      "product_url": "https://cairnsbank.com.au/banking/personal-banking/term-deposit-account",
      "bank_last_updated": "2026-06-29T09:28:13.000+10:00"
     },
     {
      "rank": 33,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest @ Maturity",
      "product_label": "Term Investment - Interest @ Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3000",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3000.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-27T14:00:00Z"
     },
     {
      "rank": 34,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 136,
      "term_days_max": 165,
      "term_raw": "P136D - P165D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 35,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 5000.0,
      "tier_max": 99999.0,
      "deposit_min": 5000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 36,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (37)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 50000.0,
      "max_balance": 199999.0,
      "tier_min": 50000.0,
      "tier_max": 199999.0,
      "deposit_min": 50000.0,
      "deposit_max": 199999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_5M_%2450%2C000-%24199%2C999",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_5M__50_000-_199_999.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 37,
      "brand": "gmcu",
      "brand_label": "GMCU",
      "brand_slug": "gmcu",
      "product_name": "Fixed Term Deposit - 3 to 5 months",
      "product_label": "Fixed Term Deposit - 3 to 5 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 100.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 3000000.0,
      "deposit_min": 4999.01,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must become a member. Visit our website for more details."
      ],
      "stacked_bonus": null,
      "source_url": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit_-_3_to_5_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gmcu/Term_Deposit_-_3_to_5_months.json",
      "product_url": "https://www.gmcu.com.au/banking/term-deposits/view-all-term-deposits/",
      "bank_last_updated": "2026-04-09T14:18:40.000+10:00"
     },
     {
      "rank": 38,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 39,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 40,
      "brand": "Laboratories Credit Union",
      "brand_label": "Laboratories Credit Union",
      "brand_slug": "laboratories-credit-union",
      "product_name": "Monthly Interest 12 Month Term Deposit",
      "product_label": "Monthly Interest 12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "monthly",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…",
       "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…"
      ],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/laboratories-credit-union/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS.json",
      "product_url": "https://join.lcu.com.au/getting-started",
      "bank_last_updated": "2026-10-02T14:13:39.000+10:00"
     },
     {
      "rank": 41,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0345,
      "rate_pct": 3.45,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 42,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0345,
      "rate_pct": 3.45,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 43,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0345,
      "rate_pct": 3.45,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 44,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0345,
      "rate_pct": 3.45,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 45,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0345,
      "rate_pct": 3.45,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 46,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 47,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "3M TO LESS THAN 6M",
      "product_label": "3M to Less Than 6M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/3M_TO_LESS_THAN_6M",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/3M_TO_LESS_THAN_6M.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/term-deposits/",
      "bank_last_updated": "2026-08-04T09:47:40.000+10:00"
     },
     {
      "rank": 48,
      "brand": "Broken Hill Bank",
      "brand_label": "Broken Hill Bank",
      "brand_slug": "broken-hill-bank",
      "product_name": "FTD - 2 to 5 Months",
      "product_label": "FTD - 2 to 5 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 499999.99,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/8",
      "source_snapshot": "/au/finance/term-deposits/v1/source/broken-hill-bank/8.json",
      "product_url": "https://brokenhill.bank/open-an-account",
      "bank_last_updated": "2026-06-11T02:00:18.8259621Z"
     },
     {
      "rank": 49,
      "brand": "Central West CUL",
      "brand_label": "Central West Credit Union",
      "brand_slug": "central-west-cul",
      "product_name": "$5000+ (3m to <6m) I6",
      "product_label": "$5000+ (3m to <6m) I6",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 90,
      "term_days_max": 179,
      "term_raw": "P179D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1000000.0,
      "deposit_min": 50000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/I6_Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-west-cul/I6_Fixed_Term_Deposit.json",
      "product_url": "https://www.cwcu.com.au/savings/fixed-term-deposits",
      "bank_last_updated": "2026-04-30T16:39:16.000+10:00"
     },
     {
      "rank": 50,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     },
     {
      "rank": 51,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.029,
      "rate_pct": 2.9,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 5000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/bd41ed42-262c-4445-a7f6-f3b61314ec0c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/bd41ed42-262c-4445-a7f6-f3b61314ec0c.json",
      "product_url": "https://www.bendigobank.com.au/personal/term-deposits/term-deposit-enquiry/",
      "bank_last_updated": "2026-09-24T14:32:23.011Z"
     },
     {
      "rank": 52,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "3-5 months >$25K",
      "product_label": "3-5 Months >$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.027,
      "rate_pct": 2.7,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 25000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_2",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_2.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 53,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.015,
      "rate_pct": 1.5,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M/P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 54,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0125,
      "rate_pct": 1.25,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 150,
      "term_days_max": 180,
      "term_raw": "P150D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 55,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 5 Months",
      "product_label": "Package TD 5 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.008,
      "rate_pct": 0.8,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/26",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/26.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "6": [
     {
      "rank": 1,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 6 Months",
      "product_label": "Package TD 6 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/27",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/27.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-09-09T02:00:32.1081640Z"
     },
     {
      "rank": 2,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To open an account, you must have a valid email address and an Australian mobile number.",
       "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD01.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD01.1.json",
      "product_url": "https://apply.heartlandbank.com.au/banking/HBSelfService/servletcontroller?ProductType=CBL_DEPOSIT_TERM_MB&CustomerType=Individual",
      "bank_last_updated": "2026-09-29T06:16:43Z"
     },
     {
      "rank": 3,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 4,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 5,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Impact Term Deposit 6 months",
      "product_label": "Impact Term Deposit 6 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/ad7a95c3-cdf1-4869-9d1e-6cc956b3ed75",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/ad7a95c3-cdf1-4869-9d1e-6cc956b3ed75.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=217",
      "bank_last_updated": "2026-08-31T22:00:26.705Z"
     },
     {
      "rank": 6,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "180 Day Term Deposit",
      "product_label": "180 Day Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": 180,
      "term_days_min": 180,
      "term_days_max": 180,
      "term_raw": "P180D",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 9999999.99,
      "deposit_min": 500.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to members only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/d48b0450-fa9e-4c36-9277-04b37e76ae75",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/d48b0450-fa9e-4c36-9277-04b37e76ae75.json",
      "product_url": "https://form.bankfirst.com.au/account-application",
      "bank_last_updated": "2026-09-16T23:04:21.814888Z"
     },
     {
      "rank": 7,
      "brand": "Qudos Bank",
      "brand_label": "Qudos Bank",
      "brand_slug": "qudos-bank",
      "product_name": "Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products/f435abef-eaed-4d9f-a535-5c2925645472",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qudos-bank/f435abef-eaed-4d9f-a535-5c2925645472.json",
      "product_url": "https://www.qudosbank.com.au/products/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T22:00:26.783Z"
     },
     {
      "rank": 8,
      "brand": "Woolworths Team Bank",
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "product_name": "7 MONTHS",
      "product_label": "7 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 0.0,
      "tier_max": 1000000.0,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Woolworths Group Limited and Endeavour Group Limited team members, Immediate family members of Woolworths Group Limited and Endeavour Group Limited team member…"
      ],
      "stacked_bonus": null,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/7Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/woolworths-team-bank/7Months.json",
      "product_url": "https://woolworthsteambank.snapforms.com.au/form/term-deposit-form",
      "bank_last_updated": "2026-09-23T14:21:03.000+10:00"
     },
     {
      "rank": 9,
      "brand": "ME Bank - ME Go",
      "brand_label": "ME Bank",
      "brand_slug": "me-bank-me-go",
      "product_name": "ME Go Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cds.mebank.com.au/cds-au/v1/banking/products/0f039bda-f265-f011-bec3-002248106111",
      "source_snapshot": "/au/finance/term-deposits/v1/source/me-bank-me-go/0f039bda-f265-f011-bec3-002248106111.json",
      "product_url": "https://www.mebank.com.au/term-deposits/",
      "bank_last_updated": "2026-09-20T22:59:11Z"
     },
     {
      "rank": 10,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "6 Month Term Deposit",
      "product_label": "6 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/102",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/102.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/standard-term-deposit/",
      "bank_last_updated": "2026-08-24T00:00:53.9498705Z"
     },
     {
      "rank": 11,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 12,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "myBOQ Term Deposit",
      "product_label": "myBOQ Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/6db81f83-f265-f011-bec3-002248106111",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/6db81f83-f265-f011-bec3-002248106111.json",
      "product_url": "https://www.boq.com.au/personal/bank-and-save/term-deposits",
      "bank_last_updated": "2026-09-20T23:19:10Z"
     },
     {
      "rank": 13,
      "brand": "Geelong Bank",
      "brand_label": "Geelong Bank",
      "brand_slug": "geelong-bank",
      "product_name": "Six Month term deposit",
      "product_label": "Six Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.geelongbank.com.au/OpenBanking/cds-au/v1/banking/products/I6",
      "source_snapshot": "/au/finance/term-deposits/v1/source/geelong-bank/I6.json",
      "product_url": "https://geelongbank.com.au/tools/forms/",
      "bank_last_updated": "2026-07-20T17:40:30.000+10:00"
     },
     {
      "rank": 14,
      "brand": "Hume Bank",
      "brand_label": "Hume Bank",
      "brand_slug": "hume-bank",
      "product_name": "Term Deposit Online 6M (Interest at Maturity)",
      "product_label": "Term Deposit Online 6M (Interest at Maturity)",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "personal eligibility inferred: the bank's feed tags every term deposit business-only"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/6M_Online",
      "source_snapshot": "/au/finance/term-deposits/v1/source/hume-bank/6M_Online.json",
      "product_url": "https://www.humebank.com.au/savings/term-deposits/",
      "bank_last_updated": "2026-09-17T20:46:56.000+10:00"
     },
     {
      "rank": 15,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": 180,
      "term_days_min": 180,
      "term_days_max": 180,
      "term_raw": "P180D",
      "min_balance": 10000.0,
      "max_balance": 5000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an Australian resident for taxation purposes."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/26ab99ae-81ed-44d0-933f-b6d9f0f4b004",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/26ab99ae-81ed-44d0-933f-b6d9f0f4b004.json",
      "product_url": "https://www.ing.com.au/savings/term-deposit.html",
      "bank_last_updated": "2026-09-13T14:00:00.000Z"
     },
     {
      "rank": 16,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 17,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": 154,
      "term_days_max": 183,
      "term_raw": "P183D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 18,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "E&P - Regular Term Deposit",
      "product_label": "E&P - Regular Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through Evans & Partners."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/1f5230e2-e251-4a80-a827-65f136e5d489",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/1f5230e2-e251-4a80-a827-65f136e5d489.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.411989Z"
     },
     {
      "rank": 19,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "6 Month Term Deposit",
      "product_label": "6 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/26",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/26.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-08-24T00:00:23.3443857Z"
     },
     {
      "rank": 20,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 21,
      "brand": "AMP Bank GO",
      "brand_label": "AMP Bank GO",
      "brand_slug": "amp-bank-go",
      "product_name": "AMP Bank GO 6 Month Term Deposit",
      "product_label": "6 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Customers must have an active AMP Bank GO Everyday Account in order to open an AMP Bank GO Personal Term Deposit: Linked Transaction Account"
      ],
      "stacked_bonus": null,
      "source_url": "https://pub.cdr-sme.amp.com.au/api/cds-au/v1/banking/products/5c934a68-1993-40ce-b8b8-15b9ac13a874",
      "source_snapshot": "/au/finance/term-deposits/v1/source/amp-bank-go/5c934a68-1993-40ce-b8b8-15b9ac13a874.json",
      "product_url": "https://www.amp.com.au/personal-banking/everyday-money",
      "bank_last_updated": "2026-09-28T00:34:51.421Z"
     },
     {
      "rank": 22,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.0,
      "deposit_min": 50000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 23,
      "brand": "BOQ Specialist",
      "brand_label": "BOQ Specialist",
      "brand_slug": "boq-specialist",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": 180,
      "term_days_min": 180,
      "term_days_max": 180,
      "term_raw": "P180D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 100000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 100000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively available to medical professionals and accountants"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/78906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/boq-specialist/78906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boqspecialist.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-21T00:19:38Z"
     },
     {
      "rank": 24,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 25,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "Term Deposit 6 Months",
      "product_label": "Term Deposit 6 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I20_Term_Deposit_6_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I20_Term_Deposit_6_months.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:55:48.000+10:00"
     },
     {
      "rank": 26,
      "brand": "Coastline Bank",
      "brand_label": "Coastline Bank",
      "brand_slug": "coastline-bank",
      "product_name": "I50 Gold Mbr Ftd 6 Mths",
      "product_label": "I50 Gold Mbr Ftd 6 Mths",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 50 and over",
       "existing customers only",
       "new customers only",
       "Early Withdrawal: Withdrawals or transfers from the term deposit account before maturity are not permitted except in cases of hardship, for genuine needs and w…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.coastline.com.au/cds-au/v1/banking/products/10",
      "source_snapshot": "/au/finance/term-deposits/v1/source/coastline-bank/10.json",
      "product_url": "https://www.coastline.com.au/personal/gold-benefits-club",
      "bank_last_updated": "2026-09-14T00:00:16.2552749Z"
     },
     {
      "rank": 27,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (41)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 50000.0,
      "max_balance": 199999.0,
      "tier_min": 50000.0,
      "tier_max": 199999.0,
      "deposit_min": 50000.0,
      "deposit_max": 199999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_6M_%2450%2C000-%24199%2C999",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_6M__50_000-_199_999.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 28,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "6 Month Fixed Term",
      "product_label": "6 Month Fixed Term",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 2000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/6MTH_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/6MTH_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-16T10:53:34.000+10:00"
     },
     {
      "rank": 29,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest @ Maturity",
      "product_label": "Term Investment - Interest @ Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3000",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3000.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-27T14:00:00Z"
     },
     {
      "rank": 30,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": 166,
      "term_days_max": 195,
      "term_raw": "P166D - P195D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 31,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 32,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "NATIONAL SENIORS TERM DEPOSIT",
      "product_label": "National Seniors Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 3000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through National Seniors Australia"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6f474df2-c438-4132-939f-9730d5e45165",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/6f474df2-c438-4132-939f-9730d5e45165.json",
      "product_url": "https://nationalseniors.com.au/services/financial/termdeposit",
      "bank_last_updated": "2026-09-29T09:16:28.000+10:00"
     },
     {
      "rank": 33,
      "brand": "Bank of China",
      "brand_label": "Bank of China",
      "brand_slug": "bank-of-china",
      "product_name": "Term Deposit AUD 6M",
      "product_label": "Term Deposit AUD 6M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "Term Deposit AUD 6M, rate apply for balance 5000 AUD and 4,999,999.99",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/55090508",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-china/55090508.json",
      "product_url": "https://www.bankofchina.com/au/en/pbservice/pb1/201712/t20171214_10912803.html",
      "bank_last_updated": "2026-09-15T14:00:21.000+10:00"
     },
     {
      "rank": 34,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": 179,
      "term_days_max": 208,
      "term_raw": "P208D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 99999.99,
      "deposit_min": 25000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 35,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 36,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…",
       "online only",
       "SMSF only",
       "Special Rate for online origination for SMSF customers. Available on balances from $5,000 to $5,000,000. Offer available for a limited time only. Please visit……"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 37,
      "brand": "CommFCU",
      "brand_label": "Community First Bank",
      "brand_slug": "commfcu",
      "product_name": "TERM DEPOSITS - 6 TO 11 MONTHS INTEREST ON MATURITY",
      "product_label": "Term Deposit - 6 to 11 Months Interest on Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/I6-TD-6-11-ANL",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commfcu/I6-TD-6-11-ANL.json",
      "product_url": "https://communityfirst.com.au/products/term-deposits",
      "bank_last_updated": "2026-06-12T11:11:19.000+10:00"
     },
     {
      "rank": 38,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 6 Months",
      "product_label": "Term Deposit - 6 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/6",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/6.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 39,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Standard Rate Term Deposit 1-12 months",
      "product_label": "Standard Rate Term Deposit 1-12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1000-0500",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1000-0500.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 40,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 41,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 42,
      "brand": "Police Credit Union Ltd",
      "brand_label": "Police Credit Union",
      "brand_slug": "police-credit-union-ltd",
      "product_name": "YORKETOWN TERM DEPOSIT",
      "product_label": "Yorketown Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": 2500000.0,
      "tier_min": 50000.0,
      "tier_max": 2500000.0,
      "deposit_min": 50000.0,
      "deposit_max": 2500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/I76_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-credit-union-ltd/I76_TERM_DEPOSIT.json",
      "product_url": "https://www.policecu.com.au/rates/",
      "bank_last_updated": "2026-04-30T15:05:43.000+09:30"
     },
     {
      "rank": 43,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "Limited Offer 6 months",
      "product_label": "Limited Offer 6 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I2_6",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I2_6.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:45:48.000+10:00"
     },
     {
      "rank": 44,
      "brand": "gmcu",
      "brand_label": "GMCU",
      "brand_slug": "gmcu",
      "product_name": "Fixed Term Deposit - 6 to 8 months",
      "product_label": "Fixed Term Deposit - 6 to 8 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 100.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 2000000.0,
      "deposit_min": 4999.01,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must become a member. Visit our website for more details."
      ],
      "stacked_bonus": null,
      "source_url": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Term_deposit_-_6_to_8_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gmcu/Term_deposit_-_6_to_8_months.json",
      "product_url": "https://www.gmcu.com.au/banking/term-deposits/view-all-term-deposits/",
      "bank_last_updated": "2026-08-17T15:40:30.000+10:00"
     },
     {
      "rank": 45,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 46,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 47,
      "brand": "Border Bank",
      "brand_label": "Border Bank",
      "brand_slug": "border-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/797f3952-486a-4683-9bcc-462ad80599fd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/border-bank/797f3952-486a-4683-9bcc-462ad80599fd.json",
      "product_url": "https://www.borderbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:29.599Z"
     },
     {
      "rank": 48,
      "brand": "Police Bank",
      "brand_label": "Police Bank",
      "brand_slug": "police-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/934b3b27-224e-41b9-a827-2032ec619780",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-bank/934b3b27-224e-41b9-a827-2032ec619780.json",
      "product_url": "https://www.policebank.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:27.339Z"
     },
     {
      "rank": 49,
      "brand": "The Capricornian",
      "brand_label": "The Capricornian",
      "brand_slug": "the-capricornian",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": 250000.0,
      "tier_min": 5000.0,
      "tier_max": 250000.0,
      "deposit_min": 5000.0,
      "deposit_max": 250000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to individuals, companies and trust for personal or business use.",
       "Is currently, or wishes to become, a shareholding member of The Capricornian Ltd."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/4ecba156-6b32-420b-8946-3f32b7a0504f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-capricornian/4ecba156-6b32-420b-8946-3f32b7a0504f.json",
      "product_url": "https://www.capricornian.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-10-02T02:31:03.752887Z"
     },
     {
      "rank": 50,
      "brand": "Horizon Bank",
      "brand_label": "Horizon Bank",
      "brand_slug": "horizon-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/I50_I500001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/horizon-bank/I50_I500001.json",
      "product_url": "https://horizonbank.com.au/forms/savings-account-or-term-deposit-application/",
      "bank_last_updated": "2026-08-17T17:59:37.000+10:00"
     },
     {
      "rank": 51,
      "brand": "QBANK",
      "brand_label": "QBank",
      "brand_slug": "qbank",
      "product_name": "Term Deposit 6 Month",
      "product_label": "Term Deposit 6 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": 10000.0,
      "tier_max": 99999.99,
      "deposit_min": 10000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You do not have to be a member of Qbank to hold a term deposit."
      ],
      "stacked_bonus": null,
      "source_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/I14_Term_6",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qbank/I14_Term_6.json",
      "product_url": "https://www.qbank.com.au/products/accounts/term-deposits",
      "bank_last_updated": "2026-08-20T19:48:48.000+10:00"
     },
     {
      "rank": 52,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 20000.0,
      "tier_max": 99999.99,
      "deposit_min": 20000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 53,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 5000.0,
      "tier_max": 99999.0,
      "deposit_min": 5000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 54,
      "brand": "The Mac",
      "brand_label": "The Mac",
      "brand_slug": "the-mac",
      "product_name": "TERM SAVINGS I4",
      "product_label": "Term Savings I4",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/I4_TERMDEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-mac/I4_TERMDEPOSIT.json",
      "product_url": "https://themaccu.com.au/solutions/everyday-banking-investments/all-everyday-banking-investments/",
      "bank_last_updated": "2026-08-24T08:38:40.000+10:00"
     },
     {
      "rank": 55,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Term Deposit 6 months",
      "product_label": "Term Deposit 6 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/207",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/207.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 56,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 6 Mth Capitalise",
      "product_label": "INV - 6 Mth Capitalise",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 50000.0,
      "tier_max": 199999.99,
      "deposit_min": 50000.0,
      "deposit_max": 199999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/15",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/15.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-09-03T12:00:31.9528987Z"
     },
     {
      "rank": 57,
      "brand": "Australian Mutual Bank LTD",
      "brand_label": "Australian Mutual Bank",
      "brand_slug": "australian-mutual-bank-ltd",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": 180,
      "term_days_max": 209,
      "term_raw": "P209D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/74073f50-1e84-11f1-b37a-325096b39f47",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-mutual-bank-ltd/74073f50-1e84-11f1-b37a-325096b39f47.json",
      "product_url": "https://australianmutual.bank/banking/term-deposits/",
      "bank_last_updated": "2026-08-26T14:27:19.000+10:00"
     },
     {
      "rank": 58,
      "brand": "Firefighters Mutual Bank",
      "brand_label": "Firefighters Mutual Bank",
      "brand_slug": "firefighters-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": 180,
      "term_days_max": 209,
      "term_raw": "P209D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/aa76cccb-0cf7-4330-8eb6-e2756aefce0e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/firefighters-mutual-bank/aa76cccb-0cf7-4330-8eb6-e2756aefce0e.json",
      "product_url": "https://www.fmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:15:19.000+10:00"
     },
     {
      "rank": 59,
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": 180,
      "term_days_max": 209,
      "term_raw": "P209D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/d45a38f4-5462-4883-8239-7eaea4e2871b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/health-professionals-bank/d45a38f4-5462-4883-8239-7eaea4e2871b.json",
      "product_url": "https://www.hpbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-14T09:14:44.000+10:00"
     },
     {
      "rank": 60,
      "brand": "Teachers Mutual Bank",
      "brand_label": "Teachers Mutual Bank",
      "brand_slug": "teachers-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": 180,
      "term_days_max": 209,
      "term_raw": "P209D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/e556280d-1d2b-4fb1-b22f-151e8050bdda",
      "source_snapshot": "/au/finance/term-deposits/v1/source/teachers-mutual-bank/e556280d-1d2b-4fb1-b22f-151e8050bdda.json",
      "product_url": "https://www.tmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:18:27.000+10:00"
     },
     {
      "rank": 61,
      "brand": "UniBank",
      "brand_label": "UniBank",
      "brand_slug": "unibank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": 180,
      "term_days_max": 209,
      "term_raw": "P209D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unibank/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c.json",
      "product_url": "https://www.unibank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:25:09.000+10:00"
     },
     {
      "rank": 62,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "24 MONTHS",
      "product_label": "24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/24MTH_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/24MTH_TERM_DEPOSIT.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-07-02T11:03:33.000+10:00"
     },
     {
      "rank": 63,
      "brand": "Fire Service Credit Union",
      "brand_label": "Fire Service Credit Union",
      "brand_slug": "fire-service-credit-union",
      "product_name": "I5 FTD 6 Months",
      "product_label": "I5 FTD 6 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0425,
      "rate_pct": 4.25,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/13",
      "source_snapshot": "/au/finance/term-deposits/v1/source/fire-service-credit-union/13.json",
      "product_url": "https://www.fscu.com.au/accounts/term-deposits/",
      "bank_last_updated": "2026-05-20T04:00:33.3305724Z"
     },
     {
      "rank": 64,
      "brand": "Australian Military Bank",
      "brand_label": "Australian Military Bank",
      "brand_slug": "australian-military-bank",
      "product_name": "Teen Plus",
      "product_label": "Teen Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 500.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 18 and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4f86dc3e-4af2-40a4-adcf-210d341f538f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-military-bank/4f86dc3e-4af2-40a4-adcf-210d341f538f.json",
      "product_url": "https://www.australianmilitarybank.com.au/term-deposits",
      "bank_last_updated": "2026-08-24T23:18:21.610306Z"
     },
     {
      "rank": 65,
      "brand": "Central Murray Bank",
      "brand_label": "Central Murray Bank",
      "brand_slug": "central-murray-bank",
      "product_name": "TERM DEPOSIT 6 MONTHS",
      "product_label": "Term Deposit 6 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 3500000.0,
      "deposit_min": 50000.0,
      "deposit_max": 3500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/I2_6month",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-murray-bank/I2_6month.json",
      "product_url": "https://www.centralmurray.bank/invest/term-deposits/",
      "bank_last_updated": "2026-08-06T14:18:36.000+10:00"
     },
     {
      "rank": 66,
      "brand": "Northern Inland Credit Union Limited",
      "brand_label": "Northern Inland Credit Union",
      "brand_slug": "northern-inland-credit-union-limited",
      "product_name": "6 MONTHS Term Deposit with interest paid at maturity/annually",
      "product_label": "6 MONTHS Term Deposit with Interest Paid at Maturity/annually",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": 249999.99,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICU16_STND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/northern-inland-credit-union-limited/NICU16_STND.json",
      "product_url": "https://www.nicu.com.au/banking/banking-enquiry",
      "bank_last_updated": "2026-04-22T15:00:10.000+10:00"
     },
     {
      "rank": 67,
      "brand": "Laboratories Credit Union",
      "brand_label": "Laboratories Credit Union",
      "brand_slug": "laboratories-credit-union",
      "product_name": "Monthly Interest 12 Month Term Deposit",
      "product_label": "Monthly Interest 12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "monthly",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…",
       "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…"
      ],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/laboratories-credit-union/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS.json",
      "product_url": "https://join.lcu.com.au/getting-started",
      "bank_last_updated": "2026-10-02T14:13:39.000+10:00"
     },
     {
      "rank": 68,
      "brand": "Queensland Country Bank",
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "product_name": "FTD - Interest at Maturity",
      "product_label": "FTD - Interest at Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/40",
      "source_snapshot": "/au/finance/term-deposits/v1/source/queensland-country-bank/40.json",
      "product_url": "https://www.queenslandcountry.bank/banking/savings-accounts/term-deposits/",
      "bank_last_updated": "2026-10-02T14:00:24.0731915Z"
     },
     {
      "rank": 69,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "6M TO LESS THAN 12M",
      "product_label": "6M to Less Than 12M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/6M_TO_LESS_THAN_12M",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/6M_TO_LESS_THAN_12M.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/term-deposits/",
      "bank_last_updated": "2026-08-04T09:47:40.000+10:00"
     },
     {
      "rank": 70,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 71,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 72,
      "brand": "SWSbank",
      "brand_label": "SWS Bank",
      "brand_slug": "swsbank",
      "product_name": "6 Month Term Deposit",
      "product_label": "6 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 9999999.0,
      "deposit_min": 50000.0,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/I2_TD_6Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/swsbank/I2_TD_6Months.json",
      "product_url": "https://swscu.apply-online.com.au/#/3e8f1c2b-4724-4a65-b5d0-2d7eaf64b99b",
      "bank_last_updated": "2026-05-11T16:51:44.000+10:00"
     },
     {
      "rank": 73,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 74,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 75,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 76,
      "brand": "Central West CUL",
      "brand_label": "Central West Credit Union",
      "brand_slug": "central-west-cul",
      "product_name": "$5000+ (6m to <12m) I3",
      "product_label": "$5000+ (6m to <12m) I3",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 180,
      "term_days_max": 364,
      "term_raw": "P364D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1000000.0,
      "deposit_min": 50000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/I3_Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-west-cul/I3_Fixed_Term_Deposit.json",
      "product_url": "https://www.cwcu.com.au/savings/fixed-term-deposits",
      "bank_last_updated": "2026-04-30T16:40:29.000+10:00"
     },
     {
      "rank": 77,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 78,
      "brand": "Broken Hill Bank",
      "brand_label": "Broken Hill Bank",
      "brand_slug": "broken-hill-bank",
      "product_name": "FTD - 6 Months",
      "product_label": "FTD - 6 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 499999.99,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/broken-hill-bank/3.json",
      "product_url": "https://brokenhill.bank/open-an-account",
      "bank_last_updated": "2026-06-11T02:00:18.8259621Z"
     },
     {
      "rank": 79,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Bendigo Cash Solutions Term Deposit",
      "product_label": "Cash Solutions Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/b85e1a64-ee7f-475d-b2dd-c0de7b5504b7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/b85e1a64-ee7f-475d-b2dd-c0de7b5504b7.json",
      "product_url": null,
      "bank_last_updated": "2026-07-24T01:18:35.447Z"
     },
     {
      "rank": 80,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     }
    ],
    "7": [
     {
      "rank": 1,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 2,
      "brand": "Woolworths Team Bank",
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "product_name": "7 MONTHS",
      "product_label": "7 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 0.0,
      "tier_max": 1000000.0,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Woolworths Group Limited and Endeavour Group Limited team members, Immediate family members of Woolworths Group Limited and Endeavour Group Limited team member…"
      ],
      "stacked_bonus": null,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/7Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/woolworths-team-bank/7Months.json",
      "product_url": "https://woolworthsteambank.snapforms.com.au/form/term-deposit-form",
      "bank_last_updated": "2026-09-23T14:21:03.000+10:00"
     },
     {
      "rank": 3,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 4,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": 209,
      "term_days_max": 238,
      "term_raw": "P238D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 99999.99,
      "deposit_min": 25000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 5,
      "brand": "ME Bank - ME Go",
      "brand_label": "ME Bank",
      "brand_slug": "me-bank-me-go",
      "product_name": "ME Go Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cds.mebank.com.au/cds-au/v1/banking/products/0f039bda-f265-f011-bec3-002248106111",
      "source_snapshot": "/au/finance/term-deposits/v1/source/me-bank-me-go/0f039bda-f265-f011-bec3-002248106111.json",
      "product_url": "https://www.mebank.com.au/term-deposits/",
      "bank_last_updated": "2026-09-20T22:59:11Z"
     },
     {
      "rank": 6,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 5000.0,
      "tier_max": 99999.0,
      "deposit_min": 5000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 7,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "myBOQ Term Deposit",
      "product_label": "myBOQ Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/6db81f83-f265-f011-bec3-002248106111",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/6db81f83-f265-f011-bec3-002248106111.json",
      "product_url": "https://www.boq.com.au/personal/bank-and-save/term-deposits",
      "bank_last_updated": "2026-09-20T23:19:10Z"
     },
     {
      "rank": 8,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "6 Month Fixed Term",
      "product_label": "6 Month Fixed Term",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 2000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/6MTH_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/6MTH_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-16T10:53:34.000+10:00"
     },
     {
      "rank": 9,
      "brand": "Australian Mutual Bank LTD",
      "brand_label": "Australian Mutual Bank",
      "brand_slug": "australian-mutual-bank-ltd",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": 210,
      "term_days_max": 239,
      "term_raw": "P239D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/74073f50-1e84-11f1-b37a-325096b39f47",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-mutual-bank-ltd/74073f50-1e84-11f1-b37a-325096b39f47.json",
      "product_url": "https://australianmutual.bank/banking/term-deposits/",
      "bank_last_updated": "2026-08-26T14:27:19.000+10:00"
     },
     {
      "rank": 10,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     },
     {
      "rank": 11,
      "brand": "Firefighters Mutual Bank",
      "brand_label": "Firefighters Mutual Bank",
      "brand_slug": "firefighters-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": 210,
      "term_days_max": 239,
      "term_raw": "P239D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/aa76cccb-0cf7-4330-8eb6-e2756aefce0e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/firefighters-mutual-bank/aa76cccb-0cf7-4330-8eb6-e2756aefce0e.json",
      "product_url": "https://www.fmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:15:19.000+10:00"
     },
     {
      "rank": 12,
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": 210,
      "term_days_max": 239,
      "term_raw": "P239D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/d45a38f4-5462-4883-8239-7eaea4e2871b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/health-professionals-bank/d45a38f4-5462-4883-8239-7eaea4e2871b.json",
      "product_url": "https://www.hpbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-14T09:14:44.000+10:00"
     },
     {
      "rank": 13,
      "brand": "Teachers Mutual Bank",
      "brand_label": "Teachers Mutual Bank",
      "brand_slug": "teachers-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": 210,
      "term_days_max": 239,
      "term_raw": "P239D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/e556280d-1d2b-4fb1-b22f-151e8050bdda",
      "source_snapshot": "/au/finance/term-deposits/v1/source/teachers-mutual-bank/e556280d-1d2b-4fb1-b22f-151e8050bdda.json",
      "product_url": "https://www.tmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:18:27.000+10:00"
     },
     {
      "rank": 14,
      "brand": "UniBank",
      "brand_label": "UniBank",
      "brand_slug": "unibank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": 210,
      "term_days_max": 239,
      "term_raw": "P239D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unibank/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c.json",
      "product_url": "https://www.unibank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:25:09.000+10:00"
     },
     {
      "rank": 15,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 16,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "NATIONAL SENIORS TERM DEPOSIT",
      "product_label": "National Seniors Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 3000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through National Seniors Australia"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6f474df2-c438-4132-939f-9730d5e45165",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/6f474df2-c438-4132-939f-9730d5e45165.json",
      "product_url": "https://nationalseniors.com.au/services/financial/termdeposit",
      "bank_last_updated": "2026-09-29T09:16:28.000+10:00"
     },
     {
      "rank": 17,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Standard Rate Term Deposit 1-12 months",
      "product_label": "Standard Rate Term Deposit 1-12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1000-0500",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1000-0500.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 18,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": 210,
      "term_days_min": 210,
      "term_days_max": 210,
      "term_raw": "P210D",
      "min_balance": 10000.0,
      "max_balance": 5000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an Australian resident for taxation purposes."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/26ab99ae-81ed-44d0-933f-b6d9f0f4b004",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/26ab99ae-81ed-44d0-933f-b6d9f0f4b004.json",
      "product_url": "https://www.ing.com.au/savings/term-deposit.html",
      "bank_last_updated": "2026-09-13T14:00:00.000Z"
     },
     {
      "rank": 19,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Regular Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/8546b224-85ce-40b4-ba09-3390398b5c4e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/8546b224-85ce-40b4-ba09-3390398b5c4e.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.482282Z"
     },
     {
      "rank": 20,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 21,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 22,
      "brand": "gmcu",
      "brand_label": "GMCU",
      "brand_slug": "gmcu",
      "product_name": "Fixed Term Deposit - 6 to 8 months",
      "product_label": "Fixed Term Deposit - 6 to 8 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 100.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 2000000.0,
      "deposit_min": 4999.01,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must become a member. Visit our website for more details."
      ],
      "stacked_bonus": null,
      "source_url": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Term_deposit_-_6_to_8_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gmcu/Term_deposit_-_6_to_8_months.json",
      "product_url": "https://www.gmcu.com.au/banking/term-deposits/view-all-term-deposits/",
      "bank_last_updated": "2026-08-17T15:40:30.000+10:00"
     },
     {
      "rank": 23,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "12 Month Regular Income",
      "product_label": "12 Month Regular Income",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I3_TermDeposit_12mthIncome",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I3_TermDeposit_12mthIncome.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:59:19.000+10:00"
     },
     {
      "rank": 24,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 25,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 20000.0,
      "tier_max": 99999.99,
      "deposit_min": 20000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 26,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Term Deposit 7 months",
      "product_label": "Term Deposit 7 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/231",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/231.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 27,
      "brand": "Border Bank",
      "brand_label": "Border Bank",
      "brand_slug": "border-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/797f3952-486a-4683-9bcc-462ad80599fd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/border-bank/797f3952-486a-4683-9bcc-462ad80599fd.json",
      "product_url": "https://www.borderbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:29.599Z"
     },
     {
      "rank": 28,
      "brand": "Police Bank",
      "brand_label": "Police Bank",
      "brand_slug": "police-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/934b3b27-224e-41b9-a827-2032ec619780",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-bank/934b3b27-224e-41b9-a827-2032ec619780.json",
      "product_url": "https://www.policebank.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:27.339Z"
     },
     {
      "rank": 29,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 7 Months",
      "product_label": "Term Deposit - 7 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.046,
      "rate_pct": 4.6,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/7.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 30,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.0,
      "deposit_min": 50000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 31,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "24 MONTHS",
      "product_label": "24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/24MTH_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/24MTH_TERM_DEPOSIT.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-07-02T11:03:33.000+10:00"
     },
     {
      "rank": 32,
      "brand": "Australian Military Bank",
      "brand_label": "Australian Military Bank",
      "brand_slug": "australian-military-bank",
      "product_name": "Teen Plus",
      "product_label": "Teen Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.044,
      "rate_pct": 4.4,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 500.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 18 and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4f86dc3e-4af2-40a4-adcf-210d341f538f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-military-bank/4f86dc3e-4af2-40a4-adcf-210d341f538f.json",
      "product_url": "https://www.australianmilitarybank.com.au/term-deposits",
      "bank_last_updated": "2026-08-24T23:18:21.610306Z"
     },
     {
      "rank": 33,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.044,
      "rate_pct": 4.4,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 34,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "7 Month Term Deposit",
      "product_label": "7 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.044,
      "rate_pct": 4.4,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/27",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/27.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-09-01T02:00:23.3722770Z"
     },
     {
      "rank": 35,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 36,
      "brand": "Laboratories Credit Union",
      "brand_label": "Laboratories Credit Union",
      "brand_slug": "laboratories-credit-union",
      "product_name": "Monthly Interest 12 Month Term Deposit",
      "product_label": "Monthly Interest 12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "monthly",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…",
       "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…"
      ],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/laboratories-credit-union/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS.json",
      "product_url": "https://join.lcu.com.au/getting-started",
      "bank_last_updated": "2026-10-02T14:13:39.000+10:00"
     },
     {
      "rank": 37,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": 184,
      "term_days_max": 213,
      "term_raw": "P213D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 38,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "7 Month Term Deposit",
      "product_label": "7 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/103",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/103.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/standard-term-deposit/",
      "bank_last_updated": "2026-06-11T04:00:41.6927295Z"
     },
     {
      "rank": 39,
      "brand": "Queensland Country Bank",
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "product_name": "FTD - Interest at Maturity",
      "product_label": "FTD - Interest at Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/40",
      "source_snapshot": "/au/finance/term-deposits/v1/source/queensland-country-bank/40.json",
      "product_url": "https://www.queenslandcountry.bank/banking/savings-accounts/term-deposits/",
      "bank_last_updated": "2026-10-02T14:00:24.0731915Z"
     },
     {
      "rank": 40,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 41,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (45)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 50000.0,
      "max_balance": 199999.0,
      "tier_min": 50000.0,
      "tier_max": 199999.0,
      "deposit_min": 50000.0,
      "deposit_max": 199999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_7M_%2450%2C000-%24199%2C999",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_7M__50_000-_199_999.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 42,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 43,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest @ Maturity",
      "product_label": "Term Investment - Interest @ Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3000",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3000.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-27T14:00:00Z"
     },
     {
      "rank": 44,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 45,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": 196,
      "term_days_max": 225,
      "term_raw": "P196D - P225D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 46,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 47,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 48,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 49,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "6M TO LESS THAN 12M",
      "product_label": "6M to Less Than 12M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/6M_TO_LESS_THAN_12M",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/6M_TO_LESS_THAN_12M.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/term-deposits/",
      "bank_last_updated": "2026-08-04T09:47:40.000+10:00"
     },
     {
      "rank": 50,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 51,
      "brand": "Central West CUL",
      "brand_label": "Central West Credit Union",
      "brand_slug": "central-west-cul",
      "product_name": "$5000+ (6m to <12m) I3",
      "product_label": "$5000+ (6m to <12m) I3",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 180,
      "term_days_max": 364,
      "term_raw": "P364D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1000000.0,
      "deposit_min": 50000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/I3_Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-west-cul/I3_Fixed_Term_Deposit.json",
      "product_url": "https://www.cwcu.com.au/savings/fixed-term-deposits",
      "bank_last_updated": "2026-04-30T16:40:29.000+10:00"
     },
     {
      "rank": 52,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0315,
      "rate_pct": 3.15,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 5000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/bd41ed42-262c-4445-a7f6-f3b61314ec0c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/bd41ed42-262c-4445-a7f6-f3b61314ec0c.json",
      "product_url": "https://www.bendigobank.com.au/personal/term-deposits/term-deposit-enquiry/",
      "bank_last_updated": "2026-09-24T14:32:23.011Z"
     },
     {
      "rank": 53,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "6-11 months >$25K",
      "product_label": "6-11 Months >$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.031,
      "rate_pct": 3.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 25000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_4.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 54,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0225,
      "rate_pct": 2.25,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M/P8M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 55,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 7 Months",
      "product_label": "Package TD 7 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.013,
      "rate_pct": 1.3,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/28",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/28.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     },
     {
      "rank": 56,
      "brand": "Bank of China",
      "brand_label": "Bank of China",
      "brand_slug": "bank-of-china",
      "product_name": "Term Deposit AUD 7M",
      "product_label": "Term Deposit AUD 7M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.01,
      "rate_pct": 1.0,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "Term Deposit AUD 7M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/55090853",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-china/55090853.json",
      "product_url": "https://www.bankofchina.com/au/en/pbservice/pb1/201712/t20171214_10912803.html",
      "bank_last_updated": "2026-03-10T17:00:00.000+11:00"
     },
     {
      "rank": 57,
      "brand": "Central Murray Bank",
      "brand_label": "Central Murray Bank",
      "brand_slug": "central-murray-bank",
      "product_name": "TERM DEPOSIT 7 MONTHS",
      "product_label": "Term Deposit 7 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.01,
      "rate_pct": 1.0,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 3500000.0,
      "deposit_min": 50000.0,
      "deposit_max": 3500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/I7_7month",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-murray-bank/I7_7month.json",
      "product_url": "https://www.centralmurray.bank/invest/term-deposits/",
      "bank_last_updated": "2025-11-13T12:22:52.000+11:00"
     }
    ],
    "8": [
     {
      "rank": 1,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 2,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "6 Month Fixed Term",
      "product_label": "6 Month Fixed Term",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 2000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/6MTH_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/6MTH_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-16T10:53:34.000+10:00"
     },
     {
      "rank": 3,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 4,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "NATIONAL SENIORS TERM DEPOSIT",
      "product_label": "National Seniors Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 3000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through National Seniors Australia"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6f474df2-c438-4132-939f-9730d5e45165",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/6f474df2-c438-4132-939f-9730d5e45165.json",
      "product_url": "https://nationalseniors.com.au/services/financial/termdeposit",
      "bank_last_updated": "2026-09-29T09:16:28.000+10:00"
     },
     {
      "rank": 5,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Regular Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/8546b224-85ce-40b4-ba09-3390398b5c4e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/8546b224-85ce-40b4-ba09-3390398b5c4e.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.482282Z"
     },
     {
      "rank": 6,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 7,
      "brand": "gmcu",
      "brand_label": "GMCU",
      "brand_slug": "gmcu",
      "product_name": "Fixed Term Deposit - 6 to 8 months",
      "product_label": "Fixed Term Deposit - 6 to 8 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 100.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 2000000.0,
      "deposit_min": 4999.01,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must become a member. Visit our website for more details."
      ],
      "stacked_bonus": null,
      "source_url": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Term_deposit_-_6_to_8_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gmcu/Term_deposit_-_6_to_8_months.json",
      "product_url": "https://www.gmcu.com.au/banking/term-deposits/view-all-term-deposits/",
      "bank_last_updated": "2026-08-17T15:40:30.000+10:00"
     },
     {
      "rank": 8,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "12 Month Regular Income",
      "product_label": "12 Month Regular Income",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I3_TermDeposit_12mthIncome",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I3_TermDeposit_12mthIncome.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:59:19.000+10:00"
     },
     {
      "rank": 9,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 10,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 20000.0,
      "tier_max": 99999.99,
      "deposit_min": 20000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 11,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Term Deposit 8 month",
      "product_label": "Term Deposit 8 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/288",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/288.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 12,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 8 Months",
      "product_label": "Term Deposit - 8 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/8",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/8.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 13,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Standard Rate Term Deposit 1-12 months",
      "product_label": "Standard Rate Term Deposit 1-12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1000-0500",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1000-0500.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 14,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.0,
      "deposit_min": 50000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 15,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "24 MONTHS",
      "product_label": "24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/24MTH_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/24MTH_TERM_DEPOSIT.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-07-02T11:03:33.000+10:00"
     },
     {
      "rank": 16,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 17,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.044,
      "rate_pct": 4.4,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 18,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.044,
      "rate_pct": 4.4,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 5000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/bd41ed42-262c-4445-a7f6-f3b61314ec0c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/bd41ed42-262c-4445-a7f6-f3b61314ec0c.json",
      "product_url": "https://www.bendigobank.com.au/personal/term-deposits/term-deposit-enquiry/",
      "bank_last_updated": "2026-09-24T14:32:23.011Z"
     },
     {
      "rank": 19,
      "brand": "Australian Military Bank",
      "brand_label": "Australian Military Bank",
      "brand_slug": "australian-military-bank",
      "product_name": "Teen Plus",
      "product_label": "Teen Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.043,
      "rate_pct": 4.3,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 500.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 18 and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4f86dc3e-4af2-40a4-adcf-210d341f538f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-military-bank/4f86dc3e-4af2-40a4-adcf-210d341f538f.json",
      "product_url": "https://www.australianmilitarybank.com.au/term-deposits",
      "bank_last_updated": "2026-08-24T23:18:21.610306Z"
     },
     {
      "rank": 20,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": 242,
      "term_days_max": 272,
      "term_raw": "P242D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 21,
      "brand": "Australian Mutual Bank LTD",
      "brand_label": "Australian Mutual Bank",
      "brand_slug": "australian-mutual-bank-ltd",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": 240,
      "term_days_max": 269,
      "term_raw": "P269D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/74073f50-1e84-11f1-b37a-325096b39f47",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-mutual-bank-ltd/74073f50-1e84-11f1-b37a-325096b39f47.json",
      "product_url": "https://australianmutual.bank/banking/term-deposits/",
      "bank_last_updated": "2026-08-26T14:27:19.000+10:00"
     },
     {
      "rank": 22,
      "brand": "Firefighters Mutual Bank",
      "brand_label": "Firefighters Mutual Bank",
      "brand_slug": "firefighters-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": 240,
      "term_days_max": 269,
      "term_raw": "P269D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/aa76cccb-0cf7-4330-8eb6-e2756aefce0e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/firefighters-mutual-bank/aa76cccb-0cf7-4330-8eb6-e2756aefce0e.json",
      "product_url": "https://www.fmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:15:19.000+10:00"
     },
     {
      "rank": 23,
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": 240,
      "term_days_max": 269,
      "term_raw": "P269D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/d45a38f4-5462-4883-8239-7eaea4e2871b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/health-professionals-bank/d45a38f4-5462-4883-8239-7eaea4e2871b.json",
      "product_url": "https://www.hpbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-14T09:14:44.000+10:00"
     },
     {
      "rank": 24,
      "brand": "Teachers Mutual Bank",
      "brand_label": "Teachers Mutual Bank",
      "brand_slug": "teachers-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": 240,
      "term_days_max": 269,
      "term_raw": "P269D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/e556280d-1d2b-4fb1-b22f-151e8050bdda",
      "source_snapshot": "/au/finance/term-deposits/v1/source/teachers-mutual-bank/e556280d-1d2b-4fb1-b22f-151e8050bdda.json",
      "product_url": "https://www.tmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:18:27.000+10:00"
     },
     {
      "rank": 25,
      "brand": "UniBank",
      "brand_label": "UniBank",
      "brand_slug": "unibank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": 240,
      "term_days_max": 269,
      "term_raw": "P269D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unibank/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c.json",
      "product_url": "https://www.unibank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:25:09.000+10:00"
     },
     {
      "rank": 26,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 27,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": 239,
      "term_days_max": 268,
      "term_raw": "P268D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 99999.0,
      "deposit_min": 25000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 28,
      "brand": "Laboratories Credit Union",
      "brand_label": "Laboratories Credit Union",
      "brand_slug": "laboratories-credit-union",
      "product_name": "Monthly Interest 12 Month Term Deposit",
      "product_label": "Monthly Interest 12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "monthly",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…",
       "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…"
      ],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/laboratories-credit-union/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS.json",
      "product_url": "https://join.lcu.com.au/getting-started",
      "bank_last_updated": "2026-10-02T14:13:39.000+10:00"
     },
     {
      "rank": 29,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": 214,
      "term_days_max": 244,
      "term_raw": "P244D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 30,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "8 Month Term Deposit",
      "product_label": "8 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/104",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/104.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/standard-term-deposit/",
      "bank_last_updated": "2026-06-11T04:00:41.6927295Z"
     },
     {
      "rank": 31,
      "brand": "Queensland Country Bank",
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "product_name": "FTD - Interest at Maturity",
      "product_label": "FTD - Interest at Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/40",
      "source_snapshot": "/au/finance/term-deposits/v1/source/queensland-country-bank/40.json",
      "product_url": "https://www.queenslandcountry.bank/banking/savings-accounts/term-deposits/",
      "bank_last_updated": "2026-10-02T14:00:24.0731915Z"
     },
     {
      "rank": 32,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 33,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 34,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 35,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "8 Month Term Deposit",
      "product_label": "8 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/21",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/21.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-06-28T16:00:22.3851793Z"
     },
     {
      "rank": 36,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 5000.0,
      "tier_max": 99999.0,
      "deposit_min": 5000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 37,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 38,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (49)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 50000.0,
      "max_balance": 199999.0,
      "tier_min": 50000.0,
      "tier_max": 199999.0,
      "deposit_min": 50000.0,
      "deposit_max": 199999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_8M_%2450%2C000-%24199%2C999",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_8M__50_000-_199_999.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 39,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 40,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 41,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest @ Maturity",
      "product_label": "Term Investment - Interest @ Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3000",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3000.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-27T14:00:00Z"
     },
     {
      "rank": 42,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": 226,
      "term_days_max": 255,
      "term_raw": "P226D - P255D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 43,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 44,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "6M TO LESS THAN 12M",
      "product_label": "6M to Less Than 12M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/6M_TO_LESS_THAN_12M",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/6M_TO_LESS_THAN_12M.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/term-deposits/",
      "bank_last_updated": "2026-08-04T09:47:40.000+10:00"
     },
     {
      "rank": 45,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 46,
      "brand": "Central West CUL",
      "brand_label": "Central West Credit Union",
      "brand_slug": "central-west-cul",
      "product_name": "$5000+ (6m to <12m) I3",
      "product_label": "$5000+ (6m to <12m) I3",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 180,
      "term_days_max": 364,
      "term_raw": "P364D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1000000.0,
      "deposit_min": 50000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/I3_Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-west-cul/I3_Fixed_Term_Deposit.json",
      "product_url": "https://www.cwcu.com.au/savings/fixed-term-deposits",
      "bank_last_updated": "2026-04-30T16:40:29.000+10:00"
     },
     {
      "rank": 47,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "6-11 months >$25K",
      "product_label": "6-11 Months >$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.031,
      "rate_pct": 3.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 25000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_4.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 48,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     },
     {
      "rank": 49,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0225,
      "rate_pct": 2.25,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M/P8M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 50,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 8 Months",
      "product_label": "Package TD 8 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0105,
      "rate_pct": 1.05,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/29",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/29.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "9": [
     {
      "rank": 1,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "270 Day Term Deposit",
      "product_label": "270 Day Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": 270,
      "term_days_min": 270,
      "term_days_max": 270,
      "term_raw": "P270D",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 9999999.99,
      "deposit_min": 500.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to members only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/f5ff9e62-493b-47e6-9c13-62cc0a829aa7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/f5ff9e62-493b-47e6-9c13-62cc0a829aa7.json",
      "product_url": "https://form.bankfirst.com.au/account-application",
      "bank_last_updated": "2026-07-05T23:40:50.568693Z"
     },
     {
      "rank": 2,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 9 Months",
      "product_label": "Package TD 9 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/30",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/30.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-09-03T02:00:33.2086394Z"
     },
     {
      "rank": 3,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To open an account, you must have a valid email address and an Australian mobile number.",
       "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD01.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD01.1.json",
      "product_url": "https://apply.heartlandbank.com.au/banking/HBSelfService/servletcontroller?ProductType=CBL_DEPOSIT_TERM_MB&CustomerType=Individual",
      "bank_last_updated": "2026-09-29T06:16:43Z"
     },
     {
      "rank": 4,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 5,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 9 months",
      "product_label": "Term Deposit 9 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/4b265f3c-7abc-4587-a86a-91601b228ddf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/4b265f3c-7abc-4587-a86a-91601b228ddf.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=209",
      "bank_last_updated": "2026-09-21T22:00:22.842Z"
     },
     {
      "rank": 6,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 9 Mth Capitalise",
      "product_label": "INV - 9 Mth Capitalise",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 50000.0,
      "tier_max": 199999.99,
      "deposit_min": 50000.0,
      "deposit_max": 199999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/16",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/16.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-09-28T12:00:30.9399881Z"
     },
     {
      "rank": 7,
      "brand": "ME Bank - ME Go",
      "brand_label": "ME Bank",
      "brand_slug": "me-bank-me-go",
      "product_name": "ME Go Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cds.mebank.com.au/cds-au/v1/banking/products/0f039bda-f265-f011-bec3-002248106111",
      "source_snapshot": "/au/finance/term-deposits/v1/source/me-bank-me-go/0f039bda-f265-f011-bec3-002248106111.json",
      "product_url": "https://www.mebank.com.au/term-deposits/",
      "bank_last_updated": "2026-09-20T22:59:11Z"
     },
     {
      "rank": 8,
      "brand": "Qudos Bank",
      "brand_label": "Qudos Bank",
      "brand_slug": "qudos-bank",
      "product_name": "Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products/f435abef-eaed-4d9f-a535-5c2925645472",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qudos-bank/f435abef-eaed-4d9f-a535-5c2925645472.json",
      "product_url": "https://www.qudosbank.com.au/products/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T22:00:26.783Z"
     },
     {
      "rank": 9,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 10,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 5000.0,
      "tier_max": 99999.0,
      "deposit_min": 5000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 11,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 12,
      "brand": "Border Bank",
      "brand_label": "Border Bank",
      "brand_slug": "border-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/797f3952-486a-4683-9bcc-462ad80599fd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/border-bank/797f3952-486a-4683-9bcc-462ad80599fd.json",
      "product_url": "https://www.borderbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:29.599Z"
     },
     {
      "rank": 13,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 14,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "E&P - Regular Term Deposit",
      "product_label": "E&P - Regular Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through Evans & Partners."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/1f5230e2-e251-4a80-a827-65f136e5d489",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/1f5230e2-e251-4a80-a827-65f136e5d489.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.411989Z"
     },
     {
      "rank": 15,
      "brand": "Police Bank",
      "brand_label": "Police Bank",
      "brand_slug": "police-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/934b3b27-224e-41b9-a827-2032ec619780",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-bank/934b3b27-224e-41b9-a827-2032ec619780.json",
      "product_url": "https://www.policebank.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:27.339Z"
     },
     {
      "rank": 16,
      "brand": "Police Credit Union Ltd",
      "brand_label": "Police Credit Union",
      "brand_slug": "police-credit-union-ltd",
      "product_name": "YORKETOWN TERM DEPOSIT",
      "product_label": "Yorketown Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": 2500000.0,
      "tier_min": 50000.0,
      "tier_max": 2500000.0,
      "deposit_min": 50000.0,
      "deposit_max": 2500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/I76_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-credit-union-ltd/I76_TERM_DEPOSIT.json",
      "product_url": "https://www.policecu.com.au/rates/",
      "bank_last_updated": "2026-04-30T15:05:43.000+09:30"
     },
     {
      "rank": 17,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "9 Month Fixed Term",
      "product_label": "9 Month Fixed Term",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 2000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/9MTH_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/9MTH_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-16T10:54:01.000+10:00"
     },
     {
      "rank": 18,
      "brand": "BOQ Specialist",
      "brand_label": "BOQ Specialist",
      "brand_slug": "boq-specialist",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": 270,
      "term_days_min": 270,
      "term_days_max": 270,
      "term_raw": "P270D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 100000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 100000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively available to medical professionals and accountants"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/78906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/boq-specialist/78906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boqspecialist.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-21T00:19:38Z"
     },
     {
      "rank": 19,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "myBOQ Term Deposit",
      "product_label": "myBOQ Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/6db81f83-f265-f011-bec3-002248106111",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/6db81f83-f265-f011-bec3-002248106111.json",
      "product_url": "https://www.boq.com.au/personal/bank-and-save/term-deposits",
      "bank_last_updated": "2026-09-20T23:19:10Z"
     },
     {
      "rank": 20,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "Term Deposit 9 Months",
      "product_label": "Term Deposit 9 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I20_Term_Deposit_9_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I20_Term_Deposit_9_months.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:55:48.000+10:00"
     },
     {
      "rank": 21,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 22,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "NATIONAL SENIORS TERM DEPOSIT",
      "product_label": "National Seniors Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 3000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through National Seniors Australia"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6f474df2-c438-4132-939f-9730d5e45165",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/6f474df2-c438-4132-939f-9730d5e45165.json",
      "product_url": "https://nationalseniors.com.au/services/financial/termdeposit",
      "bank_last_updated": "2026-09-29T09:16:28.000+10:00"
     },
     {
      "rank": 23,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": 269,
      "term_days_max": 298,
      "term_raw": "P298D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 99999.0,
      "deposit_min": 25000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 24,
      "brand": "Hume Bank",
      "brand_label": "Hume Bank",
      "brand_slug": "hume-bank",
      "product_name": "Term Deposit Online 9M (Interest at Maturity)",
      "product_label": "Term Deposit Online 9M (Interest at Maturity)",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "personal eligibility inferred: the bank's feed tags every term deposit business-only"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/9M_Online",
      "source_snapshot": "/au/finance/term-deposits/v1/source/hume-bank/9M_Online.json",
      "product_url": "https://www.humebank.com.au/savings/term-deposits/",
      "bank_last_updated": "2026-09-17T20:46:56.000+10:00"
     },
     {
      "rank": 25,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": 270,
      "term_days_min": 270,
      "term_days_max": 270,
      "term_raw": "P270D",
      "min_balance": 10000.0,
      "max_balance": 5000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an Australian resident for taxation purposes."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/26ab99ae-81ed-44d0-933f-b6d9f0f4b004",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/26ab99ae-81ed-44d0-933f-b6d9f0f4b004.json",
      "product_url": "https://www.ing.com.au/savings/term-deposit.html",
      "bank_last_updated": "2026-09-13T14:00:00.000Z"
     },
     {
      "rank": 26,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 27,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 28,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 29,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 30,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 20000.0,
      "tier_max": 99999.99,
      "deposit_min": 20000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 31,
      "brand": "Horizon Bank",
      "brand_label": "Horizon Bank",
      "brand_slug": "horizon-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/I50_I500001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/horizon-bank/I50_I500001.json",
      "product_url": "https://horizonbank.com.au/forms/savings-account-or-term-deposit-application/",
      "bank_last_updated": "2026-08-17T17:59:37.000+10:00"
     },
     {
      "rank": 32,
      "brand": "QBANK",
      "brand_label": "QBank",
      "brand_slug": "qbank",
      "product_name": "Term Deposit 9 Month",
      "product_label": "Term Deposit 9 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": 10000.0,
      "tier_max": 99999.99,
      "deposit_min": 10000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You do not have to be a member of Qbank to hold a term deposit."
      ],
      "stacked_bonus": null,
      "source_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/I19_Term_9",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qbank/I19_Term_9.json",
      "product_url": "https://www.qbank.com.au/products/accounts/term-deposits",
      "bank_last_updated": "2026-08-20T19:52:04.000+10:00"
     },
     {
      "rank": 33,
      "brand": "The Mac",
      "brand_label": "The Mac",
      "brand_slug": "the-mac",
      "product_name": "TERM SAVINGS I4",
      "product_label": "Term Savings I4",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/I4_TERMDEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-mac/I4_TERMDEPOSIT.json",
      "product_url": "https://themaccu.com.au/solutions/everyday-banking-investments/all-everyday-banking-investments/",
      "bank_last_updated": "2026-08-24T08:38:40.000+10:00"
     },
     {
      "rank": 34,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Term Deposit 9 months",
      "product_label": "Term Deposit 9 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/219",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/219.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 35,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 9 Months",
      "product_label": "Term Deposit - 9 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/9",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/9.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 36,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Standard Rate Term Deposit 1-12 months",
      "product_label": "Standard Rate Term Deposit 1-12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1000-0500",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1000-0500.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 37,
      "brand": "Australian Mutual Bank LTD",
      "brand_label": "Australian Mutual Bank",
      "brand_slug": "australian-mutual-bank-ltd",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0455,
      "rate_pct": 4.55,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": 270,
      "term_days_max": 299,
      "term_raw": "P299D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/74073f50-1e84-11f1-b37a-325096b39f47",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-mutual-bank-ltd/74073f50-1e84-11f1-b37a-325096b39f47.json",
      "product_url": "https://australianmutual.bank/banking/term-deposits/",
      "bank_last_updated": "2026-08-26T14:27:19.000+10:00"
     },
     {
      "rank": 38,
      "brand": "Firefighters Mutual Bank",
      "brand_label": "Firefighters Mutual Bank",
      "brand_slug": "firefighters-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0455,
      "rate_pct": 4.55,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": 270,
      "term_days_max": 299,
      "term_raw": "P299D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/aa76cccb-0cf7-4330-8eb6-e2756aefce0e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/firefighters-mutual-bank/aa76cccb-0cf7-4330-8eb6-e2756aefce0e.json",
      "product_url": "https://www.fmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:15:19.000+10:00"
     },
     {
      "rank": 39,
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0455,
      "rate_pct": 4.55,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": 270,
      "term_days_max": 299,
      "term_raw": "P299D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/d45a38f4-5462-4883-8239-7eaea4e2871b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/health-professionals-bank/d45a38f4-5462-4883-8239-7eaea4e2871b.json",
      "product_url": "https://www.hpbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-14T09:14:44.000+10:00"
     },
     {
      "rank": 40,
      "brand": "Teachers Mutual Bank",
      "brand_label": "Teachers Mutual Bank",
      "brand_slug": "teachers-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0455,
      "rate_pct": 4.55,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": 270,
      "term_days_max": 299,
      "term_raw": "P299D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/e556280d-1d2b-4fb1-b22f-151e8050bdda",
      "source_snapshot": "/au/finance/term-deposits/v1/source/teachers-mutual-bank/e556280d-1d2b-4fb1-b22f-151e8050bdda.json",
      "product_url": "https://www.tmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:18:27.000+10:00"
     },
     {
      "rank": 41,
      "brand": "UniBank",
      "brand_label": "UniBank",
      "brand_slug": "unibank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0455,
      "rate_pct": 4.55,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": 270,
      "term_days_max": 299,
      "term_raw": "P299D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unibank/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c.json",
      "product_url": "https://www.unibank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:25:09.000+10:00"
     },
     {
      "rank": 42,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.0,
      "deposit_min": 50000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 43,
      "brand": "Bank of China",
      "brand_label": "Bank of China",
      "brand_slug": "bank-of-china",
      "product_name": "Term Deposit AUD 9M",
      "product_label": "Term Deposit AUD 9M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "Term Deposit AUD 9M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/55090855",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-china/55090855.json",
      "product_url": "https://www.bankofchina.com/au/en/pbservice/pb1/201712/t20171214_10912803.html",
      "bank_last_updated": "2026-03-27T14:00:00.000+11:00"
     },
     {
      "rank": 44,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "24 MONTHS",
      "product_label": "24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/24MTH_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/24MTH_TERM_DEPOSIT.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-07-02T11:03:33.000+10:00"
     },
     {
      "rank": 45,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.044,
      "rate_pct": 4.4,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 46,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (53)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.044,
      "rate_pct": 4.4,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 50000.0,
      "max_balance": 199999.0,
      "tier_min": 50000.0,
      "tier_max": 199999.0,
      "deposit_min": 50000.0,
      "deposit_max": 199999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_9M_%2450%2C000-%24199%2C999",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_9M__50_000-_199_999.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 47,
      "brand": "Australian Military Bank",
      "brand_label": "Australian Military Bank",
      "brand_slug": "australian-military-bank",
      "product_name": "Teen Plus",
      "product_label": "Teen Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.043,
      "rate_pct": 4.3,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 500.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 18 and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4f86dc3e-4af2-40a4-adcf-210d341f538f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-military-bank/4f86dc3e-4af2-40a4-adcf-210d341f538f.json",
      "product_url": "https://www.australianmilitarybank.com.au/term-deposits",
      "bank_last_updated": "2026-08-24T23:18:21.610306Z"
     },
     {
      "rank": 48,
      "brand": "Northern Inland Credit Union Limited",
      "brand_label": "Northern Inland Credit Union",
      "brand_slug": "northern-inland-credit-union-limited",
      "product_name": "9 MONTHS Term Deposit with interest paid at maturity/annually",
      "product_label": "9 MONTHS Term Deposit with Interest Paid at Maturity/annually",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0425,
      "rate_pct": 4.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": 249999.99,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUI19_STND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/northern-inland-credit-union-limited/NICUI19_STND.json",
      "product_url": "https://www.nicu.com.au/banking/banking-enquiry",
      "bank_last_updated": "2026-04-22T15:00:10.000+10:00"
     },
     {
      "rank": 49,
      "brand": "Laboratories Credit Union",
      "brand_label": "Laboratories Credit Union",
      "brand_slug": "laboratories-credit-union",
      "product_name": "Monthly Interest 12 Month Term Deposit",
      "product_label": "Monthly Interest 12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "monthly",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…",
       "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…"
      ],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/laboratories-credit-union/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS.json",
      "product_url": "https://join.lcu.com.au/getting-started",
      "bank_last_updated": "2026-10-02T14:13:39.000+10:00"
     },
     {
      "rank": 50,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": 245,
      "term_days_max": 274,
      "term_raw": "P274D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 51,
      "brand": "Woolworths Team Bank",
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "product_name": "9 MONTHS",
      "product_label": "9 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 2000.0,
      "tier_max": 1000000.0,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership is open to team members of Woolworths and Endeavour Groups, their immediate family members, and those with an affinity to Woolworths Group."
      ],
      "stacked_bonus": null,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/I9",
      "source_snapshot": "/au/finance/term-deposits/v1/source/woolworths-team-bank/I9.json",
      "product_url": "https://woolworthsteambank.snapforms.com.au/form/term-deposit-form",
      "bank_last_updated": "2026-07-08T13:14:23.000+10:00"
     },
     {
      "rank": 52,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "9 Month Term Deposit",
      "product_label": "9 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/105",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/105.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/standard-term-deposit/",
      "bank_last_updated": "2026-06-11T04:00:41.6927295Z"
     },
     {
      "rank": 53,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 54,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "9 Month Term Deposit",
      "product_label": "9 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/22",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/22.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-06-28T16:00:22.3851793Z"
     },
     {
      "rank": 55,
      "brand": "Queensland Country Bank",
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "product_name": "FTD - Interest at Maturity",
      "product_label": "FTD - Interest at Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/40",
      "source_snapshot": "/au/finance/term-deposits/v1/source/queensland-country-bank/40.json",
      "product_url": "https://www.queenslandcountry.bank/banking/savings-accounts/term-deposits/",
      "bank_last_updated": "2026-10-02T14:00:24.0731915Z"
     },
     {
      "rank": 56,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 57,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 58,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 59,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 60,
      "brand": "gmcu",
      "brand_label": "GMCU",
      "brand_slug": "gmcu",
      "product_name": "Fixed Term Deposit - 9 to 10 months",
      "product_label": "Fixed Term Deposit - 9 to 10 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 100.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 1000000.0,
      "deposit_min": 4999.01,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must become a member. Visit our website for more details."
      ],
      "stacked_bonus": null,
      "source_url": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Term_deposit_-_9_to_10_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gmcu/Term_deposit_-_9_to_10_months.json",
      "product_url": "https://www.gmcu.com.au/banking/term-deposits/view-all-term-deposits/",
      "bank_last_updated": "2026-04-09T14:17:44.000+10:00"
     },
     {
      "rank": 61,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 62,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 63,
      "brand": "SWSbank",
      "brand_label": "SWS Bank",
      "brand_slug": "swsbank",
      "product_name": "9 Month Term Deposit",
      "product_label": "9 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 9999999.0,
      "deposit_min": 50000.0,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/I3_TD_9Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/swsbank/I3_TD_9Months.json",
      "product_url": "https://swscu.apply-online.com.au/#/3e8f1c2b-4724-4a65-b5d0-2d7eaf64b99b",
      "bank_last_updated": "2026-05-11T16:53:22.000+10:00"
     },
     {
      "rank": 64,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 65,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest @ Maturity",
      "product_label": "Term Investment - Interest @ Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3000",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3000.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-27T14:00:00Z"
     },
     {
      "rank": 66,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": 256,
      "term_days_max": 285,
      "term_raw": "P256D - P285D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 67,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "6M TO LESS THAN 12M",
      "product_label": "6M to Less Than 12M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/6M_TO_LESS_THAN_12M",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/6M_TO_LESS_THAN_12M.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/term-deposits/",
      "bank_last_updated": "2026-08-04T09:47:40.000+10:00"
     },
     {
      "rank": 68,
      "brand": "Central Murray Bank",
      "brand_label": "Central Murray Bank",
      "brand_slug": "central-murray-bank",
      "product_name": "TERM DEPOSIT 9 MONTHS",
      "product_label": "Term Deposit 9 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 3500000.0,
      "deposit_min": 50000.0,
      "deposit_max": 3500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/I3_9month",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-murray-bank/I3_9month.json",
      "product_url": "https://www.centralmurray.bank/invest/term-deposits/",
      "bank_last_updated": "2026-05-20T14:02:39.000+10:00"
     },
     {
      "rank": 69,
      "brand": "Central West CUL",
      "brand_label": "Central West Credit Union",
      "brand_slug": "central-west-cul",
      "product_name": "$5000+ (6m to <12m) I3",
      "product_label": "$5000+ (6m to <12m) I3",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 180,
      "term_days_max": 364,
      "term_raw": "P364D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1000000.0,
      "deposit_min": 50000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/I3_Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-west-cul/I3_Fixed_Term_Deposit.json",
      "product_url": "https://www.cwcu.com.au/savings/fixed-term-deposits",
      "bank_last_updated": "2026-04-30T16:40:29.000+10:00"
     },
     {
      "rank": 70,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.032,
      "rate_pct": 3.2,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 5000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/bd41ed42-262c-4445-a7f6-f3b61314ec0c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/bd41ed42-262c-4445-a7f6-f3b61314ec0c.json",
      "product_url": "https://www.bendigobank.com.au/personal/term-deposits/term-deposit-enquiry/",
      "bank_last_updated": "2026-09-24T14:32:23.011Z"
     },
     {
      "rank": 71,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "6-11 months >$25K",
      "product_label": "6-11 Months >$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.031,
      "rate_pct": 3.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 25000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_4.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 72,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     },
     {
      "rank": 73,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0225,
      "rate_pct": 2.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M/P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     }
    ],
    "10": [
     {
      "rank": 1,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Term Deposit 10 month",
      "product_label": "Term Deposit 10 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/290",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/290.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-05-20T00:00:00.000+10:00"
     },
     {
      "rank": 2,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 3,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "9 Month Fixed Term",
      "product_label": "9 Month Fixed Term",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 2000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/9MTH_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/9MTH_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-16T10:54:01.000+10:00"
     },
     {
      "rank": 4,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "NATIONAL SENIORS TERM DEPOSIT",
      "product_label": "National Seniors Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 3000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through National Seniors Australia"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6f474df2-c438-4132-939f-9730d5e45165",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/6f474df2-c438-4132-939f-9730d5e45165.json",
      "product_url": "https://nationalseniors.com.au/services/financial/termdeposit",
      "bank_last_updated": "2026-09-29T09:16:28.000+10:00"
     },
     {
      "rank": 5,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Regular Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/8546b224-85ce-40b4-ba09-3390398b5c4e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/8546b224-85ce-40b4-ba09-3390398b5c4e.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.482282Z"
     },
     {
      "rank": 6,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     },
     {
      "rank": 7,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 8,
      "brand": "Queensland Country Bank",
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "product_name": "Special 10 month",
      "product_label": "Special 10 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/82",
      "source_snapshot": "/au/finance/term-deposits/v1/source/queensland-country-bank/82.json",
      "product_url": "https://www.queenslandcountry.bank/banking/savings-accounts/term-deposits/",
      "bank_last_updated": "2026-10-02T14:00:24.0731915Z"
     },
     {
      "rank": 9,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 20000.0,
      "tier_max": 99999.99,
      "deposit_min": 20000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 10,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "12 Month Regular Income",
      "product_label": "12 Month Regular Income",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I3_TermDeposit_12mthIncome",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I3_TermDeposit_12mthIncome.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:59:19.000+10:00"
     },
     {
      "rank": 11,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 10 Months",
      "product_label": "Term Deposit - 10 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/10",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/10.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 12,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Standard Rate Term Deposit 1-12 months",
      "product_label": "Standard Rate Term Deposit 1-12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1000-0500",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1000-0500.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 13,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.0,
      "deposit_min": 50000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 14,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "24 MONTHS",
      "product_label": "24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/24MTH_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/24MTH_TERM_DEPOSIT.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-07-02T11:03:33.000+10:00"
     },
     {
      "rank": 15,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 16,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.044,
      "rate_pct": 4.4,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 17,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0425,
      "rate_pct": 4.25,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 18,
      "brand": "Australian Mutual Bank LTD",
      "brand_label": "Australian Mutual Bank",
      "brand_slug": "australian-mutual-bank-ltd",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": 300,
      "term_days_max": 329,
      "term_raw": "P329D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/74073f50-1e84-11f1-b37a-325096b39f47",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-mutual-bank-ltd/74073f50-1e84-11f1-b37a-325096b39f47.json",
      "product_url": "https://australianmutual.bank/banking/term-deposits/",
      "bank_last_updated": "2026-08-26T14:27:19.000+10:00"
     },
     {
      "rank": 19,
      "brand": "Firefighters Mutual Bank",
      "brand_label": "Firefighters Mutual Bank",
      "brand_slug": "firefighters-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": 300,
      "term_days_max": 329,
      "term_raw": "P329D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/aa76cccb-0cf7-4330-8eb6-e2756aefce0e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/firefighters-mutual-bank/aa76cccb-0cf7-4330-8eb6-e2756aefce0e.json",
      "product_url": "https://www.fmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:15:19.000+10:00"
     },
     {
      "rank": 20,
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": 300,
      "term_days_max": 329,
      "term_raw": "P329D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/d45a38f4-5462-4883-8239-7eaea4e2871b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/health-professionals-bank/d45a38f4-5462-4883-8239-7eaea4e2871b.json",
      "product_url": "https://www.hpbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-14T09:14:44.000+10:00"
     },
     {
      "rank": 21,
      "brand": "Teachers Mutual Bank",
      "brand_label": "Teachers Mutual Bank",
      "brand_slug": "teachers-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": 300,
      "term_days_max": 329,
      "term_raw": "P329D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/e556280d-1d2b-4fb1-b22f-151e8050bdda",
      "source_snapshot": "/au/finance/term-deposits/v1/source/teachers-mutual-bank/e556280d-1d2b-4fb1-b22f-151e8050bdda.json",
      "product_url": "https://www.tmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:18:27.000+10:00"
     },
     {
      "rank": 22,
      "brand": "UniBank",
      "brand_label": "UniBank",
      "brand_slug": "unibank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": 300,
      "term_days_max": 329,
      "term_raw": "P329D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unibank/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c.json",
      "product_url": "https://www.unibank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:25:09.000+10:00"
     },
     {
      "rank": 23,
      "brand": "Australian Military Bank",
      "brand_label": "Australian Military Bank",
      "brand_slug": "australian-military-bank",
      "product_name": "Teen Plus",
      "product_label": "Teen Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 500.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 18 and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4f86dc3e-4af2-40a4-adcf-210d341f538f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-military-bank/4f86dc3e-4af2-40a4-adcf-210d341f538f.json",
      "product_url": "https://www.australianmilitarybank.com.au/term-deposits",
      "bank_last_updated": "2026-08-24T23:18:21.610306Z"
     },
     {
      "rank": 24,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 299,
      "term_days_max": 358,
      "term_raw": "P358D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 99999.99,
      "deposit_min": 25000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 25,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (3)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 50000.0,
      "max_balance": 199999.0,
      "tier_min": 50000.0,
      "tier_max": 199999.0,
      "deposit_min": 50000.0,
      "deposit_max": 199999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_10M_%2450%2C000-%24199%2C999",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_10M__50_000-_199_999.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 26,
      "brand": "Laboratories Credit Union",
      "brand_label": "Laboratories Credit Union",
      "brand_slug": "laboratories-credit-union",
      "product_name": "Monthly Interest 12 Month Term Deposit",
      "product_label": "Monthly Interest 12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "monthly",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…",
       "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…"
      ],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/laboratories-credit-union/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS.json",
      "product_url": "https://join.lcu.com.au/getting-started",
      "bank_last_updated": "2026-10-02T14:13:39.000+10:00"
     },
     {
      "rank": 27,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": 275,
      "term_days_max": 305,
      "term_raw": "P305D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 28,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 29,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 30,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 31,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 32,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 33,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 34,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 35,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 36,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 5000.0,
      "tier_max": 99999.0,
      "deposit_min": 5000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 37,
      "brand": "gmcu",
      "brand_label": "GMCU",
      "brand_slug": "gmcu",
      "product_name": "Fixed Term Deposit - 9 to 10 months",
      "product_label": "Fixed Term Deposit - 9 to 10 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 100.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 1000000.0,
      "deposit_min": 4999.01,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must become a member. Visit our website for more details."
      ],
      "stacked_bonus": null,
      "source_url": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Term_deposit_-_9_to_10_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gmcu/Term_deposit_-_9_to_10_months.json",
      "product_url": "https://www.gmcu.com.au/banking/term-deposits/view-all-term-deposits/",
      "bank_last_updated": "2026-04-09T14:17:44.000+10:00"
     },
     {
      "rank": 38,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest @ Maturity",
      "product_label": "Term Investment - Interest @ Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3000",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3000.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-27T14:00:00Z"
     },
     {
      "rank": 39,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": 286,
      "term_days_max": 315,
      "term_raw": "P286D - P315D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 40,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "10 Month Term Deposit",
      "product_label": "10 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/20",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/20.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-06-28T16:00:22.3851793Z"
     },
     {
      "rank": 41,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "10 Month Term Deposit",
      "product_label": "10 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/106",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/106.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/standard-term-deposit/",
      "bank_last_updated": "2026-06-11T04:00:41.6927295Z"
     },
     {
      "rank": 42,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "6M TO LESS THAN 12M",
      "product_label": "6M to Less Than 12M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/6M_TO_LESS_THAN_12M",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/6M_TO_LESS_THAN_12M.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/term-deposits/",
      "bank_last_updated": "2026-08-04T09:47:40.000+10:00"
     },
     {
      "rank": 43,
      "brand": "Central Murray Bank",
      "brand_label": "Central Murray Bank",
      "brand_slug": "central-murray-bank",
      "product_name": "TERM DEPOSIT 10 MONTH",
      "product_label": "Term Deposit 10 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 3500000.0,
      "deposit_min": 50000.0,
      "deposit_max": 3500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/I6_10month",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-murray-bank/I6_10month.json",
      "product_url": "https://www.centralmurray.bank/invest/term-deposits/",
      "bank_last_updated": "2026-05-20T14:02:39.000+10:00"
     },
     {
      "rank": 44,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 45,
      "brand": "Central West CUL",
      "brand_label": "Central West Credit Union",
      "brand_slug": "central-west-cul",
      "product_name": "$5000+ (6m to <12m) I3",
      "product_label": "$5000+ (6m to <12m) I3",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 180,
      "term_days_max": 364,
      "term_raw": "P364D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1000000.0,
      "deposit_min": 50000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/I3_Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-west-cul/I3_Fixed_Term_Deposit.json",
      "product_url": "https://www.cwcu.com.au/savings/fixed-term-deposits",
      "bank_last_updated": "2026-04-30T16:40:29.000+10:00"
     },
     {
      "rank": 46,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 5000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/bd41ed42-262c-4445-a7f6-f3b61314ec0c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/bd41ed42-262c-4445-a7f6-f3b61314ec0c.json",
      "product_url": "https://www.bendigobank.com.au/personal/term-deposits/term-deposit-enquiry/",
      "bank_last_updated": "2026-09-24T14:32:23.011Z"
     },
     {
      "rank": 47,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "6-11 months >$25K",
      "product_label": "6-11 Months >$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.031,
      "rate_pct": 3.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 25000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_4.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 48,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0225,
      "rate_pct": 2.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M/P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 49,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0175,
      "rate_pct": 1.75,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": 303,
      "term_days_max": 333,
      "term_raw": "P303D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 50,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 10 Months",
      "product_label": "Package TD 10 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.012,
      "rate_pct": 1.2,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/31",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/31.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "11": [
     {
      "rank": 1,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "NATIONAL SENIORS TERM DEPOSIT",
      "product_label": "National Seniors Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 3000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through National Seniors Australia"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6f474df2-c438-4132-939f-9730d5e45165",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/6f474df2-c438-4132-939f-9730d5e45165.json",
      "product_url": "https://nationalseniors.com.au/services/financial/termdeposit",
      "bank_last_updated": "2026-09-29T09:16:28.000+10:00"
     },
     {
      "rank": 2,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": 330,
      "term_days_min": 330,
      "term_days_max": 330,
      "term_raw": "P330D",
      "min_balance": 10000.0,
      "max_balance": 5000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an Australian resident for taxation purposes."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/26ab99ae-81ed-44d0-933f-b6d9f0f4b004",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/26ab99ae-81ed-44d0-933f-b6d9f0f4b004.json",
      "product_url": "https://www.ing.com.au/savings/term-deposit.html",
      "bank_last_updated": "2026-09-13T14:00:00.000Z"
     },
     {
      "rank": 3,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Regular Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/8546b224-85ce-40b4-ba09-3390398b5c4e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/8546b224-85ce-40b4-ba09-3390398b5c4e.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.482282Z"
     },
     {
      "rank": 4,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 5,
      "brand": "Bank of China",
      "brand_label": "Bank of China",
      "brand_slug": "bank-of-china",
      "product_name": "Term Deposit AUD 11M",
      "product_label": "Term Deposit AUD 11M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "Term Deposit AUD 11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/55090857",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-china/55090857.json",
      "product_url": "https://www.bankofchina.com/au/en/pbservice/pb1/201712/t20171214_10912803.html",
      "bank_last_updated": "2026-04-30T22:00:00.000+10:00"
     },
     {
      "rank": 6,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 7,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "9 Month Fixed Term",
      "product_label": "9 Month Fixed Term",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 2000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/9MTH_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/9MTH_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-16T10:54:01.000+10:00"
     },
     {
      "rank": 8,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Platinum Plus Term Deposit 12 months",
      "product_label": "Platinum Plus Term Deposit 12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 55 and over: To receive the Platinum Plus Club Member rates, the account owner of the term deposit must be either an individual aged 55 years or over, or a…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1000-0600",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1000-0600.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits/platinum-plus-term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 9,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 10,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 20000.0,
      "tier_max": 99999.99,
      "deposit_min": 20000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 11,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "12 Month Regular Income",
      "product_label": "12 Month Regular Income",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I3_TermDeposit_12mthIncome",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I3_TermDeposit_12mthIncome.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:59:19.000+10:00"
     },
     {
      "rank": 12,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 11 Months",
      "product_label": "Term Deposit - 11 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/11",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/11.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 13,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Term Deposit 11 month",
      "product_label": "Term Deposit 11 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/281",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/281.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 14,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.0,
      "deposit_min": 50000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 15,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "24 MONTHS",
      "product_label": "24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/24MTH_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/24MTH_TERM_DEPOSIT.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-07-02T11:03:33.000+10:00"
     },
     {
      "rank": 16,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 17,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.044,
      "rate_pct": 4.4,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 18,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0425,
      "rate_pct": 4.25,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 19,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 5000.0,
      "tier_max": 99999.0,
      "deposit_min": 5000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 20,
      "brand": "Australian Mutual Bank LTD",
      "brand_label": "Australian Mutual Bank",
      "brand_slug": "australian-mutual-bank-ltd",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 330,
      "term_days_max": 364,
      "term_raw": "P364D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/74073f50-1e84-11f1-b37a-325096b39f47",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-mutual-bank-ltd/74073f50-1e84-11f1-b37a-325096b39f47.json",
      "product_url": "https://australianmutual.bank/banking/term-deposits/",
      "bank_last_updated": "2026-08-26T14:27:19.000+10:00"
     },
     {
      "rank": 21,
      "brand": "Firefighters Mutual Bank",
      "brand_label": "Firefighters Mutual Bank",
      "brand_slug": "firefighters-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 330,
      "term_days_max": 364,
      "term_raw": "P364D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/aa76cccb-0cf7-4330-8eb6-e2756aefce0e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/firefighters-mutual-bank/aa76cccb-0cf7-4330-8eb6-e2756aefce0e.json",
      "product_url": "https://www.fmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:15:19.000+10:00"
     },
     {
      "rank": 22,
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 330,
      "term_days_max": 364,
      "term_raw": "P364D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/d45a38f4-5462-4883-8239-7eaea4e2871b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/health-professionals-bank/d45a38f4-5462-4883-8239-7eaea4e2871b.json",
      "product_url": "https://www.hpbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-14T09:14:44.000+10:00"
     },
     {
      "rank": 23,
      "brand": "Teachers Mutual Bank",
      "brand_label": "Teachers Mutual Bank",
      "brand_slug": "teachers-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 330,
      "term_days_max": 364,
      "term_raw": "P364D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/e556280d-1d2b-4fb1-b22f-151e8050bdda",
      "source_snapshot": "/au/finance/term-deposits/v1/source/teachers-mutual-bank/e556280d-1d2b-4fb1-b22f-151e8050bdda.json",
      "product_url": "https://www.tmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:18:27.000+10:00"
     },
     {
      "rank": 24,
      "brand": "UniBank",
      "brand_label": "UniBank",
      "brand_slug": "unibank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 330,
      "term_days_max": 364,
      "term_raw": "P364D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unibank/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c.json",
      "product_url": "https://www.unibank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:25:09.000+10:00"
     },
     {
      "rank": 25,
      "brand": "Australian Military Bank",
      "brand_label": "Australian Military Bank",
      "brand_slug": "australian-military-bank",
      "product_name": "Teen Plus",
      "product_label": "Teen Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 500.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 18 and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4f86dc3e-4af2-40a4-adcf-210d341f538f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-military-bank/4f86dc3e-4af2-40a4-adcf-210d341f538f.json",
      "product_url": "https://www.australianmilitarybank.com.au/term-deposits",
      "bank_last_updated": "2026-08-24T23:18:21.610306Z"
     },
     {
      "rank": 26,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "11 Month Term Deposit",
      "product_label": "11 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/107",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/107.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/standard-term-deposit/",
      "bank_last_updated": "2026-06-11T04:00:41.6927295Z"
     },
     {
      "rank": 27,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 299,
      "term_days_max": 358,
      "term_raw": "P358D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 99999.99,
      "deposit_min": 25000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 28,
      "brand": "Laboratories Credit Union",
      "brand_label": "Laboratories Credit Union",
      "brand_slug": "laboratories-credit-union",
      "product_name": "Monthly Interest 12 Month Term Deposit",
      "product_label": "Monthly Interest 12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "monthly",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…",
       "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…"
      ],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/laboratories-credit-union/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS.json",
      "product_url": "https://join.lcu.com.au/getting-started",
      "bank_last_updated": "2026-10-02T14:13:39.000+10:00"
     },
     {
      "rank": 29,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (7)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 50000.0,
      "max_balance": 199999.0,
      "tier_min": 50000.0,
      "tier_max": 199999.0,
      "deposit_min": 50000.0,
      "deposit_max": 199999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_11M_%2450%2C000-%24199%2C999",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_11M__50_000-_199_999.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 30,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 306,
      "term_days_max": 335,
      "term_raw": "P335D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 31,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 32,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 33,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 34,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 35,
      "brand": "Queensland Country Bank",
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "product_name": "FTD - Interest at Maturity",
      "product_label": "FTD - Interest at Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/40",
      "source_snapshot": "/au/finance/term-deposits/v1/source/queensland-country-bank/40.json",
      "product_url": "https://www.queenslandcountry.bank/banking/savings-accounts/term-deposits/",
      "bank_last_updated": "2026-10-02T14:00:24.0731915Z"
     },
     {
      "rank": 36,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 37,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 38,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 39,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "11 Month Term Deposit",
      "product_label": "11 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/19",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/19.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-06-28T16:00:22.3851793Z"
     },
     {
      "rank": 40,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest @ Maturity",
      "product_label": "Term Investment - Interest @ Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3000",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3000.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-27T14:00:00Z"
     },
     {
      "rank": 41,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 316,
      "term_days_max": 345,
      "term_raw": "P316D - P345D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 42,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "6M TO LESS THAN 12M",
      "product_label": "6M to Less Than 12M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/6M_TO_LESS_THAN_12M",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/6M_TO_LESS_THAN_12M.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/term-deposits/",
      "bank_last_updated": "2026-08-04T09:47:40.000+10:00"
     },
     {
      "rank": 43,
      "brand": "Central Murray Bank",
      "brand_label": "Central Murray Bank",
      "brand_slug": "central-murray-bank",
      "product_name": "TERM DEPOSIT 11 MONTHS",
      "product_label": "Term Deposit 11 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 3500000.0,
      "deposit_min": 50000.0,
      "deposit_max": 3500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/I11_11month",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-murray-bank/I11_11month.json",
      "product_url": "https://www.centralmurray.bank/invest/",
      "bank_last_updated": "2026-05-20T14:02:39.000+10:00"
     },
     {
      "rank": 44,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 45,
      "brand": "Central West CUL",
      "brand_label": "Central West Credit Union",
      "brand_slug": "central-west-cul",
      "product_name": "$5000+ (6m to <12m) I3",
      "product_label": "$5000+ (6m to <12m) I3",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 180,
      "term_days_max": 364,
      "term_raw": "P364D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1000000.0,
      "deposit_min": 50000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/I3_Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-west-cul/I3_Fixed_Term_Deposit.json",
      "product_url": "https://www.cwcu.com.au/savings/fixed-term-deposits",
      "bank_last_updated": "2026-04-30T16:40:29.000+10:00"
     },
     {
      "rank": 46,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 5000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/bd41ed42-262c-4445-a7f6-f3b61314ec0c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/bd41ed42-262c-4445-a7f6-f3b61314ec0c.json",
      "product_url": "https://www.bendigobank.com.au/personal/term-deposits/term-deposit-enquiry/",
      "bank_last_updated": "2026-09-24T14:32:23.011Z"
     },
     {
      "rank": 47,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "6-11 months >$25K",
      "product_label": "6-11 Months >$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.031,
      "rate_pct": 3.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 25000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_4.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 48,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     },
     {
      "rank": 49,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0225,
      "rate_pct": 2.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M/P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 50,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0175,
      "rate_pct": 1.75,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 334,
      "term_days_max": 364,
      "term_raw": "P334D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 51,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 11 Months",
      "product_label": "Package TD 11 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.012,
      "rate_pct": 1.2,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/32",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/32.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "12": [
     {
      "rank": 1,
      "brand": "CommFCU",
      "brand_label": "Community First Bank",
      "brand_slug": "commfcu",
      "product_name": "12 Month Term Deposit Special",
      "product_label": "12 Month Term Deposit Special",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.056,
      "rate_pct": 5.6,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 2000000.0,
      "deposit_min": 10000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/12_TERM_DEPOSIT_MTH_SPECIAL",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commfcu/12_TERM_DEPOSIT_MTH_SPECIAL.json",
      "product_url": "https://communityfirst.com.au/products/term-deposits",
      "bank_last_updated": "2026-10-02T11:08:30.000+10:00"
     },
     {
      "rank": 2,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 12 Months",
      "product_label": "Package TD 12 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.056,
      "rate_pct": 5.6,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/33",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/33.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-10-01T00:00:32.1421029Z"
     },
     {
      "rank": 3,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0555,
      "rate_pct": 5.55,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 4,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Broker Term Deposit",
      "product_label": "Broker Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0555,
      "rate_pct": 5.55,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 2000000.0,
      "deposit_min": 10000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This account is available via Australian Money Market",
       "available via broker or intermediary",
       "Minimum deposit for new customer is $10K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD03.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD03.1.json",
      "product_url": "https://www.heartlandbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-30T03:59:03Z"
     },
     {
      "rank": 5,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 12 months",
      "product_label": "Term Deposit 12 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.055,
      "rate_pct": 5.5,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/644d03e6-be3c-4d25-a6d3-31f3467b5dd9",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/644d03e6-be3c-4d25-a6d3-31f3467b5dd9.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=212",
      "bank_last_updated": "2026-09-14T22:00:23.894Z"
     },
     {
      "rank": 6,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "1 Year Term Deposit",
      "product_label": "1 Year Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.055,
      "rate_pct": 5.5,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": 365,
      "term_days_min": 365,
      "term_days_max": 365,
      "term_raw": "P365D",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.01,
      "tier_max": 9999999.99,
      "deposit_min": 500.01,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to members only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/993169e5-0490-4e85-a2c9-011f3c689e97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/993169e5-0490-4e85-a2c9-011f3c689e97.json",
      "product_url": "https://form.bankfirst.com.au/account-application",
      "bank_last_updated": "2026-09-16T23:04:02.131684Z"
     },
     {
      "rank": 7,
      "brand": "Qudos Bank",
      "brand_label": "Qudos Bank",
      "brand_slug": "qudos-bank",
      "product_name": "Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.055,
      "rate_pct": 5.5,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products/f435abef-eaed-4d9f-a535-5c2925645472",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qudos-bank/f435abef-eaed-4d9f-a535-5c2925645472.json",
      "product_url": "https://www.qudosbank.com.au/products/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T22:00:26.783Z"
     },
     {
      "rank": 8,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 9,
      "brand": "AMP Bank GO",
      "brand_label": "AMP Bank GO",
      "brand_slug": "amp-bank-go",
      "product_name": "AMP Bank GO 12 Month Term Deposit",
      "product_label": "12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Customers must have an active AMP Bank GO Everyday Account in order to open an AMP Bank GO Personal Term Deposit: Linked Transaction Account"
      ],
      "stacked_bonus": null,
      "source_url": "https://pub.cdr-sme.amp.com.au/api/cds-au/v1/banking/products/5c92f108-9e20-423b-82d4-e0d310184d25",
      "source_snapshot": "/au/finance/term-deposits/v1/source/amp-bank-go/5c92f108-9e20-423b-82d4-e0d310184d25.json",
      "product_url": "https://www.amp.com.au/personal-banking/everyday-money",
      "bank_last_updated": "2026-09-28T00:28:54.067Z"
     },
     {
      "rank": 10,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 5000.0,
      "tier_max": 99999.0,
      "deposit_min": 5000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 11,
      "brand": "ME Bank - ME Go",
      "brand_label": "ME Bank",
      "brand_slug": "me-bank-me-go",
      "product_name": "ME Go Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0537,
      "rate_pct": 5.37,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cds.mebank.com.au/cds-au/v1/banking/products/0f039bda-f265-f011-bec3-002248106111",
      "source_snapshot": "/au/finance/term-deposits/v1/source/me-bank-me-go/0f039bda-f265-f011-bec3-002248106111.json",
      "product_url": "https://www.mebank.com.au/term-deposits/",
      "bank_last_updated": "2026-09-20T22:59:11Z"
     },
     {
      "rank": 12,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 13,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "12MTH FIXED TERM DEPOSIT WEALTH BUILDER",
      "product_label": "12MTH Fixed Term Deposit Wealth Builder",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 50000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1000000.0,
      "deposit_min": 50000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "NEW MEMBER ONLY"
      ],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/12MNTH_WEALTH_BUILDER_TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/12MNTH_WEALTH_BUILDER_TD.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-05-15T10:25:29.000+10:00"
     },
     {
      "rank": 14,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 15,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 16,
      "brand": "Australian Mutual Bank LTD",
      "brand_label": "Australian Mutual Bank",
      "brand_slug": "australian-mutual-bank-ltd",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": 365,
      "term_days_max": 394,
      "term_raw": "P394D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/74073f50-1e84-11f1-b37a-325096b39f47",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-mutual-bank-ltd/74073f50-1e84-11f1-b37a-325096b39f47.json",
      "product_url": "https://australianmutual.bank/banking/term-deposits/",
      "bank_last_updated": "2026-08-26T14:27:19.000+10:00"
     },
     {
      "rank": 17,
      "brand": "BOQ Specialist",
      "brand_label": "BOQ Specialist",
      "brand_slug": "boq-specialist",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 100000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 100000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively available to medical professionals and accountants"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/78906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/boq-specialist/78906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boqspecialist.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-21T00:19:38Z"
     },
     {
      "rank": 18,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online).",
       "linked account required",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 19,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "myBOQ Term Deposit",
      "product_label": "myBOQ Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/6db81f83-f265-f011-bec3-002248106111",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/6db81f83-f265-f011-bec3-002248106111.json",
      "product_url": "https://www.boq.com.au/personal/bank-and-save/term-deposits",
      "bank_last_updated": "2026-09-20T23:19:10Z"
     },
     {
      "rank": 20,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online).",
       "linked account required",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 21,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…",
       "Special rate for personal or SMSF customers only. Available on balances from $5,000 to $5,000,000 with interest paid annually."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 22,
      "brand": "Firefighters Mutual Bank",
      "brand_label": "Firefighters Mutual Bank",
      "brand_slug": "firefighters-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": 365,
      "term_days_max": 394,
      "term_raw": "P394D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/aa76cccb-0cf7-4330-8eb6-e2756aefce0e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/firefighters-mutual-bank/aa76cccb-0cf7-4330-8eb6-e2756aefce0e.json",
      "product_url": "https://www.fmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:15:19.000+10:00"
     },
     {
      "rank": 23,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "12 MONTH FIXED TERM",
      "product_label": "12 Month Fixed Term",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 13,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P13M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 2000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/12MTH_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/12MTH_TERM.json",
      "product_url": "https://firstoptionbank.com.au/online-forms/",
      "bank_last_updated": "2026-06-18T08:59:38.000+10:00"
     },
     {
      "rank": 24,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest @ Maturity",
      "product_label": "Term Investment - Interest @ Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3000",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3000.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-27T14:00:00Z"
     },
     {
      "rank": 25,
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": 365,
      "term_days_max": 394,
      "term_raw": "P394D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/d45a38f4-5462-4883-8239-7eaea4e2871b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/health-professionals-bank/d45a38f4-5462-4883-8239-7eaea4e2871b.json",
      "product_url": "https://www.hpbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-14T09:14:44.000+10:00"
     },
     {
      "rank": 26,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 10000.0,
      "max_balance": 5000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an Australian resident for taxation purposes."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/26ab99ae-81ed-44d0-933f-b6d9f0f4b004",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/26ab99ae-81ed-44d0-933f-b6d9f0f4b004.json",
      "product_url": "https://www.ing.com.au/savings/term-deposit.html",
      "bank_last_updated": "2026-09-13T14:00:00.000Z"
     },
     {
      "rank": 27,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": 336,
      "term_days_max": 365,
      "term_raw": "P365D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 28,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "E&P - Regular Term Deposit",
      "product_label": "E&P - Regular Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through Evans & Partners."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/1f5230e2-e251-4a80-a827-65f136e5d489",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/1f5230e2-e251-4a80-a827-65f136e5d489.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.411989Z"
     },
     {
      "rank": 29,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 30,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": 346,
      "term_days_max": 385,
      "term_raw": "P346D - P385D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 31,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 32,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online).",
       "linked account required",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 33,
      "brand": "Teachers Mutual Bank",
      "brand_label": "Teachers Mutual Bank",
      "brand_slug": "teachers-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": 365,
      "term_days_max": 394,
      "term_raw": "P394D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/e556280d-1d2b-4fb1-b22f-151e8050bdda",
      "source_snapshot": "/au/finance/term-deposits/v1/source/teachers-mutual-bank/e556280d-1d2b-4fb1-b22f-151e8050bdda.json",
      "product_url": "https://www.tmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:18:27.000+10:00"
     },
     {
      "rank": 34,
      "brand": "UniBank",
      "brand_label": "UniBank",
      "brand_slug": "unibank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": 365,
      "term_days_max": 394,
      "term_raw": "P394D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unibank/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c.json",
      "product_url": "https://www.unibank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:25:09.000+10:00"
     },
     {
      "rank": 35,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 36,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online only",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 37,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "NATIONAL SENIORS TERM DEPOSIT",
      "product_label": "National Seniors Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 3000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through National Seniors Australia"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6f474df2-c438-4132-939f-9730d5e45165",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/6f474df2-c438-4132-939f-9730d5e45165.json",
      "product_url": "https://nationalseniors.com.au/services/financial/termdeposit",
      "bank_last_updated": "2026-09-29T09:16:28.000+10:00"
     },
     {
      "rank": 38,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 39,
      "brand": "Coastline Bank",
      "brand_label": "Coastline Bank",
      "brand_slug": "coastline-bank",
      "product_name": "I51 Gold Mbr Ftd 12 Mths",
      "product_label": "I51 Gold Mbr Ftd 12 Mths",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 50 and over",
       "existing customers only",
       "new customers only",
       "Early Withdrawal: Withdrawals or transfers from the term deposit account before maturity are not permitted except in cases of hardship, for genuine needs and w…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.coastline.com.au/cds-au/v1/banking/products/11",
      "source_snapshot": "/au/finance/term-deposits/v1/source/coastline-bank/11.json",
      "product_url": "https://www.coastline.com.au/personal/gold-benefits-club",
      "bank_last_updated": "2026-06-01T00:00:14.8436551Z"
     },
     {
      "rank": 40,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 12 Months",
      "product_label": "Term Deposit - 12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/12",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/12.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 41,
      "brand": "Geelong Bank",
      "brand_label": "Geelong Bank",
      "brand_slug": "geelong-bank",
      "product_name": "Twelve Month Term Deposit",
      "product_label": "Twelve Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.geelongbank.com.au/OpenBanking/cds-au/v1/banking/products/I12.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/geelong-bank/I12.1.json",
      "product_url": "https://geelongbank.com.au/tools/forms/",
      "bank_last_updated": "2026-09-17T16:52:41.000+10:00"
     },
     {
      "rank": 42,
      "brand": "Hume Bank",
      "brand_label": "Hume Bank",
      "brand_slug": "hume-bank",
      "product_name": "Term Deposit 12M (Interest at Maturity)",
      "product_label": "Term Deposit 12M (Interest at Maturity)",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "personal eligibility inferred: the bank's feed tags every term deposit business-only"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/I1_12M",
      "source_snapshot": "/au/finance/term-deposits/v1/source/hume-bank/I1_12M.json",
      "product_url": "https://www.humebank.com.au/savings/term-deposits/",
      "bank_last_updated": "2026-09-17T20:48:05.000+10:00"
     },
     {
      "rank": 43,
      "brand": "Police Credit Union Ltd",
      "brand_label": "Police Credit Union",
      "brand_slug": "police-credit-union-ltd",
      "product_name": "YORKETOWN TERM DEPOSIT",
      "product_label": "Yorketown Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": 2500000.0,
      "tier_min": 50000.0,
      "tier_max": 2500000.0,
      "deposit_min": 50000.0,
      "deposit_max": 2500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/I76_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-credit-union-ltd/I76_TERM_DEPOSIT.json",
      "product_url": "https://www.policecu.com.au/rates/",
      "bank_last_updated": "2026-04-30T15:05:43.000+09:30"
     },
     {
      "rank": 44,
      "brand": "Queensland Country Bank",
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "product_name": "FTD - Interest at Maturity",
      "product_label": "FTD - Interest at Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/40",
      "source_snapshot": "/au/finance/term-deposits/v1/source/queensland-country-bank/40.json",
      "product_url": "https://www.queenslandcountry.bank/banking/savings-accounts/term-deposits/",
      "bank_last_updated": "2026-10-02T14:00:24.0731915Z"
     },
     {
      "rank": 45,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 46,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": 359,
      "term_days_max": 366,
      "term_raw": "P366D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 99999.99,
      "deposit_min": 25000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 47,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 48,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Term Deposit 12 months",
      "product_label": "Term Deposit 12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/213",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/213.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 49,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Platinum Plus Term Deposit 12 months",
      "product_label": "Platinum Plus Term Deposit 12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 55 and over: To receive the Platinum Plus Club Member rates, the account owner of the term deposit must be either an individual aged 55 years or over, or a…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1000-0600",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1000-0600.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits/platinum-plus-term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 50,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 51,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 52,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "Limited Offer 12 months",
      "product_label": "Limited Offer 12 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I2_12",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I2_12.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:45:48.000+10:00"
     },
     {
      "rank": 53,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 12 Mth Capitalise",
      "product_label": "INV - 12 Mth Capitalise",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 50000.0,
      "tier_max": 199999.99,
      "deposit_min": 50000.0,
      "deposit_max": 199999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/17",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/17.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-09-28T12:00:30.9399881Z"
     },
     {
      "rank": 54,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 55,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 20000.0,
      "tier_max": 99999.99,
      "deposit_min": 20000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 56,
      "brand": "The Capricornian",
      "brand_label": "The Capricornian",
      "brand_slug": "the-capricornian",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": 250000.0,
      "tier_min": 5000.0,
      "tier_max": 250000.0,
      "deposit_min": 5000.0,
      "deposit_max": 250000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to individuals, companies and trust for personal or business use.",
       "Is currently, or wishes to become, a shareholding member of The Capricornian Ltd."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/4ecba156-6b32-420b-8946-3f32b7a0504f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-capricornian/4ecba156-6b32-420b-8946-3f32b7a0504f.json",
      "product_url": "https://www.capricornian.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-10-02T02:31:03.752887Z"
     },
     {
      "rank": 57,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "12 Month Term Deposit",
      "product_label": "12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/117",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/117.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/standard-term-deposit/",
      "bank_last_updated": "2026-06-11T04:00:41.6927295Z"
     },
     {
      "rank": 58,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "Term Deposit 12 Months",
      "product_label": "Term Deposit 12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I20_Term_Deposit_12_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I20_Term_Deposit_12_months.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:59:19.000+10:00"
     },
     {
      "rank": 59,
      "brand": "Border Bank",
      "brand_label": "Border Bank",
      "brand_slug": "border-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/797f3952-486a-4683-9bcc-462ad80599fd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/border-bank/797f3952-486a-4683-9bcc-462ad80599fd.json",
      "product_url": "https://www.borderbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:29.599Z"
     },
     {
      "rank": 60,
      "brand": "Broken Hill Bank",
      "brand_label": "Broken Hill Bank",
      "brand_slug": "broken-hill-bank",
      "product_name": "FTD - 12 Months",
      "product_label": "FTD - 12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 499999.99,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/6",
      "source_snapshot": "/au/finance/term-deposits/v1/source/broken-hill-bank/6.json",
      "product_url": "https://brokenhill.bank/open-an-account",
      "bank_last_updated": "2026-06-11T02:00:18.8259621Z"
     },
     {
      "rank": 61,
      "brand": "Cairns bank",
      "brand_label": "Cairns Bank",
      "brand_slug": "cairns-bank",
      "product_name": "Term deposits 1mth under $500,000",
      "product_label": "Term Deposit 1mth Under $500,000",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": 365,
      "term_days_max": 729,
      "term_raw": "P729D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/I1_1M_UNDER_500K",
      "source_snapshot": "/au/finance/term-deposits/v1/source/cairns-bank/I1_1M_UNDER_500K.json",
      "product_url": "https://cairnsbank.com.au/banking/personal-banking/term-deposit-account",
      "bank_last_updated": "2026-06-29T09:36:15.000+10:00"
     },
     {
      "rank": 62,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     },
     {
      "rank": 63,
      "brand": "Horizon Bank",
      "brand_label": "Horizon Bank",
      "brand_slug": "horizon-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/I50_I500001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/horizon-bank/I50_I500001.json",
      "product_url": "https://horizonbank.com.au/forms/savings-account-or-term-deposit-application/",
      "bank_last_updated": "2026-08-17T17:59:37.000+10:00"
     },
     {
      "rank": 64,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "12 Month Term Deposit",
      "product_label": "12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/277",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/277.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-06-28T16:00:22.3851793Z"
     },
     {
      "rank": 65,
      "brand": "Police Bank",
      "brand_label": "Police Bank",
      "brand_slug": "police-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/934b3b27-224e-41b9-a827-2032ec619780",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-bank/934b3b27-224e-41b9-a827-2032ec619780.json",
      "product_url": "https://www.policebank.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:27.339Z"
     },
     {
      "rank": 66,
      "brand": "SWSbank",
      "brand_label": "SWS Bank",
      "brand_slug": "swsbank",
      "product_name": "12 Month Term Deposit",
      "product_label": "12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 9999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/I4_TD_12Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/swsbank/I4_TD_12Months.json",
      "product_url": "https://swscu.apply-online.com.au/#/3e8f1c2b-4724-4a65-b5d0-2d7eaf64b99b",
      "bank_last_updated": "2026-05-11T16:55:24.000+10:00"
     },
     {
      "rank": 67,
      "brand": "The Mac",
      "brand_label": "The Mac",
      "brand_slug": "the-mac",
      "product_name": "TERM SAVINGS I4",
      "product_label": "Term Savings I4",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/I4_TERMDEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-mac/I4_TERMDEPOSIT.json",
      "product_url": "https://themaccu.com.au/solutions/everyday-banking-investments/all-everyday-banking-investments/",
      "bank_last_updated": "2026-08-24T08:38:40.000+10:00"
     },
     {
      "rank": 68,
      "brand": "QBANK",
      "brand_label": "QBank",
      "brand_slug": "qbank",
      "product_name": "Term Deposit 12 Month",
      "product_label": "Term Deposit 12 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": 10000.0,
      "tier_max": 99999.99,
      "deposit_min": 10000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You do not have to be a member of Qbank to hold a term deposit."
      ],
      "stacked_bonus": null,
      "source_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/I12_Term_12",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qbank/I12_Term_12.json",
      "product_url": "https://www.qbank.com.au/products/accounts/term-deposits",
      "bank_last_updated": "2026-08-20T19:54:50.000+10:00"
     },
     {
      "rank": 69,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 5000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/bd41ed42-262c-4445-a7f6-f3b61314ec0c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/bd41ed42-262c-4445-a7f6-f3b61314ec0c.json",
      "product_url": "https://www.bendigobank.com.au/personal/term-deposits/term-deposit-enquiry/",
      "bank_last_updated": "2026-09-24T14:32:23.011Z"
     },
     {
      "rank": 70,
      "brand": "Central West CUL",
      "brand_label": "Central West Credit Union",
      "brand_slug": "central-west-cul",
      "product_name": "$5000+ (12m - 24m) I4",
      "product_label": "$5000+ (12m - 24m) I4",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 17,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P17M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1700000.0,
      "deposit_min": 50000.0,
      "deposit_max": 1700000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/I4_Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-west-cul/I4_Fixed_Term_Deposit.json",
      "product_url": "https://www.cwcu.com.au/savings/fixed-term-deposits",
      "bank_last_updated": "2026-07-15T16:48:28.000+10:00"
     },
     {
      "rank": 71,
      "brand": "Northern Inland Credit Union Limited",
      "brand_label": "Northern Inland Credit Union",
      "brand_slug": "northern-inland-credit-union-limited",
      "product_name": "12 MONTHS Term Deposit with interest paid at maturity/annually",
      "product_label": "12 MONTHS Term Deposit with Interest Paid at Maturity/annually",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": 249999.99,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUI11_STND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/northern-inland-credit-union-limited/NICUI11_STND.json",
      "product_url": "https://www.nicu.com.au/banking/banking-enquiry",
      "bank_last_updated": "2026-04-22T15:00:10.000+10:00"
     },
     {
      "rank": 72,
      "brand": "gmcu",
      "brand_label": "GMCU",
      "brand_slug": "gmcu",
      "product_name": "Fixed Term Deposit - 12 months",
      "product_label": "Fixed Term Deposit - 12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 100.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 1000000.0,
      "deposit_min": 4999.01,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must become a member. Visit our website for more details."
      ],
      "stacked_bonus": null,
      "source_url": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit_12_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gmcu/Term_Deposit_12_months.json",
      "product_url": "https://www.gmcu.com.au/banking/term-deposits/view-all-term-deposits/",
      "bank_last_updated": "2026-08-17T15:45:39.000+10:00"
     },
     {
      "rank": 73,
      "brand": "Laboratories Credit Union",
      "brand_label": "Laboratories Credit Union",
      "brand_slug": "laboratories-credit-union",
      "product_name": "Monthly Interest 12 Month Term Deposit",
      "product_label": "Monthly Interest 12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "monthly",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…",
       "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…"
      ],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/laboratories-credit-union/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS.json",
      "product_url": "https://join.lcu.com.au/getting-started",
      "bank_last_updated": "2026-10-02T14:13:39.000+10:00"
     },
     {
      "rank": 74,
      "brand": "Bank of China",
      "brand_label": "Bank of China",
      "brand_slug": "bank-of-china",
      "product_name": "Term Deposit AUD 12M",
      "product_label": "Term Deposit AUD 12M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "Term Deposit AUD 12M, rate apply for balance 5000 AUD and 4,999,999.99",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/55090509",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-china/55090509.json",
      "product_url": "https://www.bankofchina.com/au/en/pbservice/pb1/201712/t20171214_10912803.html",
      "bank_last_updated": "2026-08-28T00:00:27.000+10:00"
     },
     {
      "rank": 75,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (11)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 50000.0,
      "max_balance": 199999.0,
      "tier_min": 50000.0,
      "tier_max": 199999.0,
      "deposit_min": 50000.0,
      "deposit_max": 199999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_12M_%2450%2C000-%24199%2C999",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_12M__50_000-_199_999.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 76,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.0,
      "deposit_min": 50000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 77,
      "brand": "Central Murray Bank",
      "brand_label": "Central Murray Bank",
      "brand_slug": "central-murray-bank",
      "product_name": "TERM DEPOSIT 12 MONTHS",
      "product_label": "Term Deposit 12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0425,
      "rate_pct": 4.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 3500000.0,
      "deposit_min": 50000.0,
      "deposit_max": 3500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/I4_12month",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-murray-bank/I4_12month.json",
      "product_url": "https://www.centralmurray.bank/invest/term-deposits/",
      "bank_last_updated": "2026-08-06T14:18:36.000+10:00"
     },
     {
      "rank": 78,
      "brand": "Fire Service Credit Union",
      "brand_label": "Fire Service Credit Union",
      "brand_slug": "fire-service-credit-union",
      "product_name": "I12 FTD 12 Months",
      "product_label": "I12 FTD 12 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/15",
      "source_snapshot": "/au/finance/term-deposits/v1/source/fire-service-credit-union/15.json",
      "product_url": "https://www.fscu.com.au/accounts/term-deposits/",
      "bank_last_updated": "2026-05-20T04:00:33.3305724Z"
     },
     {
      "rank": 79,
      "brand": "Woolworths Team Bank",
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "product_name": "12 MONTHS",
      "product_label": "12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 2000.0,
      "tier_max": 1000000.0,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Woolworths Group Limited and Endeavour Group Limited team members, Immediate family members of Woolworths Group Limited and Endeavour Group Limited team member…"
      ],
      "stacked_bonus": null,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/I12",
      "source_snapshot": "/au/finance/term-deposits/v1/source/woolworths-team-bank/I12.json",
      "product_url": "https://woolworthsteambank.snapforms.com.au/form/term-deposit-form",
      "bank_last_updated": "2026-07-08T13:14:23.000+10:00"
     },
     {
      "rank": 80,
      "brand": "Australian Military Bank",
      "brand_label": "Australian Military Bank",
      "brand_slug": "australian-military-bank",
      "product_name": "Teen Plus",
      "product_label": "Teen Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 500.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 18 and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4f86dc3e-4af2-40a4-adcf-210d341f538f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-military-bank/4f86dc3e-4af2-40a4-adcf-210d341f538f.json",
      "product_url": "https://www.australianmilitarybank.com.au/term-deposits",
      "bank_last_updated": "2026-08-24T23:18:21.610306Z"
     },
     {
      "rank": 81,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "TERM 12-23MTHS (EDV)",
      "product_label": "Term 12-23MTHS (EDV)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P23M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/TERM_12-23MTHS_%28EDVEST%29",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/TERM_12-23MTHS__EDVEST_.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/term-deposits/",
      "bank_last_updated": "2026-08-04T09:51:38.000+10:00"
     }
    ],
    "18": [
     {
      "rank": 1,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 2,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": 365,
      "term_days_max": 729,
      "term_raw": "P365D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 3,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 4,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "Limited Offer 18 months",
      "product_label": "Limited Offer 18 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I2_18",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I2_18.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:45:48.000+10:00"
     },
     {
      "rank": 5,
      "brand": "CommFCU",
      "brand_label": "Community First Bank",
      "brand_slug": "commfcu",
      "product_name": "TERM DEPOSITS - 12 MONTHS INTEREST ON MATURITY",
      "product_label": "Term Deposit - 12 Months Interest on Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P23M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 99999.0,
      "deposit_min": 49999.01,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/I12-TD-12-ANL",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commfcu/I12-TD-12-ANL.json",
      "product_url": "https://communityfirst.com.au/products/term-deposits",
      "bank_last_updated": "2026-08-17T13:59:34.000+10:00"
     },
     {
      "rank": 6,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 5000.0,
      "tier_max": 99999.0,
      "deposit_min": 5000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 7,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y6M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 8,
      "brand": "Cairns bank",
      "brand_label": "Cairns Bank",
      "brand_slug": "cairns-bank",
      "product_name": "Term deposits 1mth under $500,000",
      "product_label": "Term Deposit 1mth Under $500,000",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": 365,
      "term_days_max": 729,
      "term_raw": "P729D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/I1_1M_UNDER_500K",
      "source_snapshot": "/au/finance/term-deposits/v1/source/cairns-bank/I1_1M_UNDER_500K.json",
      "product_url": "https://cairnsbank.com.au/banking/personal-banking/term-deposit-account",
      "bank_last_updated": "2026-06-29T09:36:15.000+10:00"
     },
     {
      "rank": 9,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 10,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "Term Deposit 18 Months",
      "product_label": "Term Deposit 18 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I20_Term_Deposit_18_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I20_Term_Deposit_18_months.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:59:19.000+10:00"
     },
     {
      "rank": 11,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 12,
      "brand": "Central West CUL",
      "brand_label": "Central West Credit Union",
      "brand_slug": "central-west-cul",
      "product_name": "$5000+ (12m - 24m) I4",
      "product_label": "$5000+ (12m - 24m) I4",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1000000.0,
      "deposit_min": 50000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/I4_Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-west-cul/I4_Fixed_Term_Deposit.json",
      "product_url": "https://www.cwcu.com.au/savings/fixed-term-deposits",
      "bank_last_updated": "2026-07-15T16:48:28.000+10:00"
     },
     {
      "rank": 13,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 20000.0,
      "tier_max": 99999.99,
      "deposit_min": 20000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 14,
      "brand": "Laboratories Credit Union",
      "brand_label": "Laboratories Credit Union",
      "brand_slug": "laboratories-credit-union",
      "product_name": "Monthly Interest 12 Month Term Deposit",
      "product_label": "Monthly Interest 12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "quarterly",
      "term_months": 13,
      "term_min_months": 13,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P23M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…",
       "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…"
      ],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/laboratories-credit-union/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS.json",
      "product_url": "https://join.lcu.com.au/getting-started",
      "bank_last_updated": "2026-10-02T14:13:39.000+10:00"
     },
     {
      "rank": 15,
      "brand": "Bank of China",
      "brand_label": "Bank of China",
      "brand_slug": "bank-of-china",
      "product_name": "Term Deposit AUD 18M",
      "product_label": "Term Deposit AUD 18M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "Term Deposit AUD 18M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/55090512",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-china/55090512.json",
      "product_url": "https://www.bankofchina.com/au/en/pbservice/pb1/201712/t20171214_10912803.html",
      "bank_last_updated": "2026-08-28T00:00:00.000+10:00"
     },
     {
      "rank": 16,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 13,
      "term_min_months": 13,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P23M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 17,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 18 Months",
      "product_label": "Term Deposit - 18 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/13",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/13.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 18,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "half_yearly",
      "term_months": 13,
      "term_min_months": 13,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P13M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 19,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "half_yearly",
      "term_months": 13,
      "term_min_months": 13,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P13M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 20,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "half_yearly",
      "term_months": 13,
      "term_min_months": 13,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P13M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 21,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0455,
      "rate_pct": 4.55,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 22,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": 546,
      "term_days_max": 723,
      "term_raw": "P723D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 99999.99,
      "deposit_min": 25000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 23,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "24 MONTHS",
      "product_label": "24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/24MTH_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/24MTH_TERM_DEPOSIT.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-07-02T11:03:33.000+10:00"
     },
     {
      "rank": 24,
      "brand": "QBANK",
      "brand_label": "QBank",
      "brand_slug": "qbank",
      "product_name": "Term Deposit 18 Month",
      "product_label": "Term Deposit 18 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": 10000.0,
      "tier_max": 99999.99,
      "deposit_min": 10000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You do not have to be a member of Qbank to hold a term deposit."
      ],
      "stacked_bonus": null,
      "source_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/I18_Term_18",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qbank/I18_Term_18.json",
      "product_url": "https://www.qbank.com.au/products/accounts/term-deposits",
      "bank_last_updated": "2026-05-11T19:42:59.000+10:00"
     },
     {
      "rank": 25,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (15)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.044,
      "rate_pct": 4.4,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 50000.0,
      "max_balance": 199999.0,
      "tier_min": 50000.0,
      "tier_max": 199999.0,
      "deposit_min": 50000.0,
      "deposit_max": 199999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_18M_%2450%2C000_to_%24199%2C999",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_18M__50_000_to__199_999.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 26,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "TD 12-35 Mth (Yr Int)",
      "product_label": "TD 12-35 Mth (Yr Int)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P35M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/16",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/16.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-06-28T16:00:22.3851793Z"
     },
     {
      "rank": 27,
      "brand": "Australian Mutual Bank LTD",
      "brand_label": "Australian Mutual Bank",
      "brand_slug": "australian-mutual-bank-ltd",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": 545,
      "term_days_max": 729,
      "term_raw": "P729D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/74073f50-1e84-11f1-b37a-325096b39f47",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-mutual-bank-ltd/74073f50-1e84-11f1-b37a-325096b39f47.json",
      "product_url": "https://australianmutual.bank/banking/term-deposits/",
      "bank_last_updated": "2026-08-26T14:27:19.000+10:00"
     },
     {
      "rank": 28,
      "brand": "Firefighters Mutual Bank",
      "brand_label": "Firefighters Mutual Bank",
      "brand_slug": "firefighters-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": 545,
      "term_days_max": 729,
      "term_raw": "P729D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/aa76cccb-0cf7-4330-8eb6-e2756aefce0e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/firefighters-mutual-bank/aa76cccb-0cf7-4330-8eb6-e2756aefce0e.json",
      "product_url": "https://www.fmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:15:19.000+10:00"
     },
     {
      "rank": 29,
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": 545,
      "term_days_max": 729,
      "term_raw": "P729D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/d45a38f4-5462-4883-8239-7eaea4e2871b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/health-professionals-bank/d45a38f4-5462-4883-8239-7eaea4e2871b.json",
      "product_url": "https://www.hpbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-14T09:14:44.000+10:00"
     },
     {
      "rank": 30,
      "brand": "Teachers Mutual Bank",
      "brand_label": "Teachers Mutual Bank",
      "brand_slug": "teachers-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": 545,
      "term_days_max": 729,
      "term_raw": "P729D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/e556280d-1d2b-4fb1-b22f-151e8050bdda",
      "source_snapshot": "/au/finance/term-deposits/v1/source/teachers-mutual-bank/e556280d-1d2b-4fb1-b22f-151e8050bdda.json",
      "product_url": "https://www.tmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:18:27.000+10:00"
     },
     {
      "rank": 31,
      "brand": "UniBank",
      "brand_label": "UniBank",
      "brand_slug": "unibank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": 545,
      "term_days_max": 729,
      "term_raw": "P729D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unibank/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c.json",
      "product_url": "https://www.unibank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:25:09.000+10:00"
     },
     {
      "rank": 32,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "NATIONAL SENIORS TERM DEPOSIT",
      "product_label": "National Seniors Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.039,
      "rate_pct": 3.9,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 3000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through National Seniors Australia"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6f474df2-c438-4132-939f-9730d5e45165",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/6f474df2-c438-4132-939f-9730d5e45165.json",
      "product_url": "https://nationalseniors.com.au/services/financial/termdeposit",
      "bank_last_updated": "2026-09-29T09:16:28.000+10:00"
     },
     {
      "rank": 33,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 34,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 18 months",
      "product_label": "Term Deposit 18 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/3d455cd8-7fed-4849-a85a-dee559f127e6",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/3d455cd8-7fed-4849-a85a-dee559f127e6.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=213",
      "bank_last_updated": "2026-06-24T05:52:03.943Z"
     },
     {
      "rank": 35,
      "brand": "Australian Military Bank",
      "brand_label": "Australian Military Bank",
      "brand_slug": "australian-military-bank",
      "product_name": "Teen Plus",
      "product_label": "Teen Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 500.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 18 and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4f86dc3e-4af2-40a4-adcf-210d341f538f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-military-bank/4f86dc3e-4af2-40a4-adcf-210d341f538f.json",
      "product_url": "https://www.australianmilitarybank.com.au/term-deposits",
      "bank_last_updated": "2026-08-24T23:18:21.610306Z"
     },
     {
      "rank": 36,
      "brand": "RSL Money",
      "brand_label": "RSL Money",
      "brand_slug": "rsl-money",
      "product_name": "RSL Sub-Branch Investment Plus",
      "product_label": "Sub-Branch Investment Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively for RSL Sub Branches and their members"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.rslmoney.com.au/cds-au/v1/banking/products/0cf9e8d4-3a9d-4bbb-9b7c-3065f1a52a65",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rsl-money/0cf9e8d4-3a9d-4bbb-9b7c-3065f1a52a65.json",
      "product_url": "https://www.rslmoney.com.au/contact",
      "bank_last_updated": "2026-08-24T04:54:23.540815Z"
     },
     {
      "rank": 37,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 38,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Online Term Deposit",
      "product_label": "Online Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "half_yearly",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 100000.0,
      "deposit_min": 1000.0,
      "deposit_max": 100000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "New customers are required to open and maintain a High Interest Savings Account (HISA) which is a variable rate at-call savings account which does not charge f…",
       "loyalty bonus on rollover"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/9b82ebfd-cd77-4c6c-a8de-880fdabf0bf4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/9b82ebfd-cd77-4c6c-a8de-880fdabf0bf4.json",
      "product_url": "https://myapplication.rabobank.com.au/apply?CONT=AU&PID=TERMDEP",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 39,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.0,
      "deposit_min": 50000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 40,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "TERM 12-23MTHS (EDV)",
      "product_label": "Term 12-23MTHS (EDV)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P23M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/TERM_12-23MTHS_%28EDVEST%29",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/TERM_12-23MTHS__EDVEST_.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/term-deposits/",
      "bank_last_updated": "2026-08-04T09:51:38.000+10:00"
     },
     {
      "rank": 41,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Platinum Plus Term Deposit 13-60 Months",
      "product_label": "Platinum Plus Term Deposit 13-60 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "annually",
      "term_months": 17,
      "term_min_months": 17,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 55 and over: To receive the Platinum Plus Club Member rates, the account owner of the term deposit must be either an individual aged 55 years or over, or a…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1100-0600",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1100-0600.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits/platinum-plus-term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 42,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest 6 Monthly",
      "product_label": "Term Investment - Interest 6 Monthly",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "half_yearly",
      "term_months": 14,
      "term_min_months": 14,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P23M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3005",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3005.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-23T14:00:00Z"
     },
     {
      "rank": 43,
      "brand": "Woolworths Team Bank",
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "product_name": "18 MONTHS",
      "product_label": "18 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0275,
      "rate_pct": 2.75,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 2000.0,
      "tier_max": 1000000.0,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership is open to team members of Woolworths and Endeavour Groups, their immediate family members, and those with an affinity to Woolworths Group."
      ],
      "stacked_bonus": null,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/18MONTHS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/woolworths-team-bank/18MONTHS.json",
      "product_url": "https://woolworthsteambank.snapforms.com.au/form/term-deposit-form",
      "bank_last_updated": "2026-07-08T13:14:23.000+10:00"
     },
     {
      "rank": 44,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0225,
      "rate_pct": 2.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M/P23M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 45,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 18 Months",
      "product_label": "Package TD 18 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0075,
      "rate_pct": 0.75,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/35",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/35.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "24": [
     {
      "rank": 1,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0555,
      "rate_pct": 5.55,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 2,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.055,
      "rate_pct": 5.5,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 5000.0,
      "tier_max": 99999.0,
      "deposit_min": 5000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 3,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 4,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 24 months",
      "product_label": "Term Deposit 24 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/f69c781b-9809-4a83-bca8-310bd16461a9",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/f69c781b-9809-4a83-bca8-310bd16461a9.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=214",
      "bank_last_updated": "2026-09-21T22:00:26.182Z"
     },
     {
      "rank": 5,
      "brand": "Qudos Bank",
      "brand_label": "Qudos Bank",
      "brand_slug": "qudos-bank",
      "product_name": "Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products/f435abef-eaed-4d9f-a535-5c2925645472",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qudos-bank/f435abef-eaed-4d9f-a535-5c2925645472.json",
      "product_url": "https://www.qudosbank.com.au/products/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T22:00:26.783Z"
     },
     {
      "rank": 6,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 7,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 8,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Term Deposit  24 months",
      "product_label": "Term Deposit 24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/225",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/225.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 9,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 10000.0,
      "max_balance": 5000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an Australian resident for taxation purposes."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/26ab99ae-81ed-44d0-933f-b6d9f0f4b004",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/26ab99ae-81ed-44d0-933f-b6d9f0f4b004.json",
      "product_url": "https://www.ing.com.au/savings/term-deposit.html",
      "bank_last_updated": "2026-09-13T14:00:00.000Z"
     },
     {
      "rank": 10,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To open an account, you must have a valid email address and an Australian mobile number.",
       "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD01.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD01.1.json",
      "product_url": "https://apply.heartlandbank.com.au/banking/HBSelfService/servletcontroller?ProductType=CBL_DEPOSIT_TERM_MB&CustomerType=Individual",
      "bank_last_updated": "2026-09-29T06:16:43Z"
     },
     {
      "rank": 11,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 12,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 13,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 33,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 14,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 15,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 19,
      "term_min_months": 19,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": 550,
      "term_days_max": 730,
      "term_raw": "P730D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 9999999.0,
      "deposit_min": 49999.01,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 16,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Regular Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/8546b224-85ce-40b4-ba09-3390398b5c4e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/8546b224-85ce-40b4-ba09-3390398b5c4e.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.482282Z"
     },
     {
      "rank": 17,
      "brand": "Hume Bank",
      "brand_label": "Hume Bank",
      "brand_slug": "hume-bank",
      "product_name": "Term Deposit Online 24M (Paid annually or at Maturity)",
      "product_label": "Term Deposit Online 24M (Paid Annually or at Maturity)",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "personal eligibility inferred: the bank's feed tags every term deposit business-only"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/24M_Online",
      "source_snapshot": "/au/finance/term-deposits/v1/source/hume-bank/24M_Online.json",
      "product_url": "https://www.humebank.com.au/savings/term-deposits/",
      "bank_last_updated": "2026-09-17T20:46:56.000+10:00"
     },
     {
      "rank": 18,
      "brand": "The Capricornian",
      "brand_label": "The Capricornian",
      "brand_slug": "the-capricornian",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": 250000.0,
      "tier_min": 5000.0,
      "tier_max": 250000.0,
      "deposit_min": 5000.0,
      "deposit_max": 250000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to individuals, companies and trust for personal or business use.",
       "Is currently, or wishes to become, a shareholding member of The Capricornian Ltd."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/4ecba156-6b32-420b-8946-3f32b7a0504f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-capricornian/4ecba156-6b32-420b-8946-3f32b7a0504f.json",
      "product_url": "https://www.capricornian.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-10-02T02:31:03.752887Z"
     },
     {
      "rank": 19,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 20,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "2 Year Term Deposit",
      "product_label": "2 Year Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": 730,
      "term_days_min": 730,
      "term_days_max": 730,
      "term_raw": "P730D",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 9999999.0,
      "deposit_min": 500.0,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to members only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/289e86c1-1600-46db-951b-c72b7d071d82",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/289e86c1-1600-46db-951b-c72b7d071d82.json",
      "product_url": "https://form.bankfirst.com.au/account-application",
      "bank_last_updated": "2026-09-16T23:04:28.184156Z"
     },
     {
      "rank": 21,
      "brand": "Broken Hill Bank",
      "brand_label": "Broken Hill Bank",
      "brand_slug": "broken-hill-bank",
      "product_name": "FTD - 24 Months",
      "product_label": "FTD - 24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 499999.99,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/broken-hill-bank/7.json",
      "product_url": "https://brokenhill.bank/open-an-account",
      "bank_last_updated": "2026-06-11T02:00:18.8259621Z"
     },
     {
      "rank": 22,
      "brand": "Coastline Bank",
      "brand_label": "Coastline Bank",
      "brand_slug": "coastline-bank",
      "product_name": "I52 Gold Mbr Ftd 24 Mths",
      "product_label": "I52 Gold Mbr Ftd 24 Mths",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 50 and over",
       "existing customers only",
       "new customers only",
       "Early Withdrawal: Withdrawals or transfers from the term deposit account before maturity are not permitted except in cases of hardship, for genuine needs and w…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.coastline.com.au/cds-au/v1/banking/products/12",
      "source_snapshot": "/au/finance/term-deposits/v1/source/coastline-bank/12.json",
      "product_url": "https://www.coastline.com.au/personal/gold-benefits-club",
      "bank_last_updated": "2026-09-14T00:00:16.2552749Z"
     },
     {
      "rank": 23,
      "brand": "Queensland Country Bank",
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "product_name": "FTD - Interest at Maturity",
      "product_label": "FTD - Interest at Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/40",
      "source_snapshot": "/au/finance/term-deposits/v1/source/queensland-country-bank/40.json",
      "product_url": "https://www.queenslandcountry.bank/banking/savings-accounts/term-deposits/",
      "bank_last_updated": "2026-10-02T14:00:24.0731915Z"
     },
     {
      "rank": 24,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "Term Deposit 24 Months",
      "product_label": "Term Deposit 24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I20_Term_Deposit_24_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I20_Term_Deposit_24_months.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:59:19.000+10:00"
     },
     {
      "rank": 25,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 26,
      "brand": "Police Credit Union Ltd",
      "brand_label": "Police Credit Union",
      "brand_slug": "police-credit-union-ltd",
      "product_name": "YORKETOWN TERM DEPOSIT",
      "product_label": "Yorketown Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": 2500000.0,
      "tier_min": 50000.0,
      "tier_max": 2500000.0,
      "deposit_min": 50000.0,
      "deposit_max": 2500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/I76_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-credit-union-ltd/I76_TERM_DEPOSIT.json",
      "product_url": "https://www.policecu.com.au/rates/",
      "bank_last_updated": "2026-04-30T15:05:43.000+09:30"
     },
     {
      "rank": 27,
      "brand": "Central West CUL",
      "brand_label": "Central West Credit Union",
      "brand_slug": "central-west-cul",
      "product_name": "$5000+ (12m - 24m) I4",
      "product_label": "$5000+ (12m - 24m) I4",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1000000.0,
      "deposit_min": 50000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/I4_Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-west-cul/I4_Fixed_Term_Deposit.json",
      "product_url": "https://www.cwcu.com.au/savings/fixed-term-deposits",
      "bank_last_updated": "2026-07-15T16:48:28.000+10:00"
     },
     {
      "rank": 28,
      "brand": "Horizon Bank",
      "brand_label": "Horizon Bank",
      "brand_slug": "horizon-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/I50_I500001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/horizon-bank/I50_I500001.json",
      "product_url": "https://horizonbank.com.au/forms/savings-account-or-term-deposit-application/",
      "bank_last_updated": "2026-08-17T17:59:37.000+10:00"
     },
     {
      "rank": 29,
      "brand": "SWSbank",
      "brand_label": "SWS Bank",
      "brand_slug": "swsbank",
      "product_name": "24 Month Term Deposit",
      "product_label": "24 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 9999999.0,
      "deposit_min": 50000.0,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/I6_TD_24Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/swsbank/I6_TD_24Months.json",
      "product_url": "https://swscu.apply-online.com.au/#/3e8f1c2b-4724-4a65-b5d0-2d7eaf64b99b",
      "bank_last_updated": "2026-06-10T16:59:42.000+10:00"
     },
     {
      "rank": 30,
      "brand": "Cairns bank",
      "brand_label": "Cairns Bank",
      "brand_slug": "cairns-bank",
      "product_name": "Term deposits 3mths under $500,000",
      "product_label": "Term Deposit 3mths Under $500,000",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": 730,
      "term_days_max": 1094,
      "term_raw": "P1094D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/I1_3M_UNDER_500K",
      "source_snapshot": "/au/finance/term-deposits/v1/source/cairns-bank/I1_3M_UNDER_500K.json",
      "product_url": "https://cairnsbank.com.au/banking/personal-banking/term-deposit-account",
      "bank_last_updated": "2026-06-29T09:36:15.000+10:00"
     },
     {
      "rank": 31,
      "brand": "CommFCU",
      "brand_label": "Community First Bank",
      "brand_slug": "commfcu",
      "product_name": "TERM DEPOSITS - 24 MONTHS INTEREST ON MATURITY",
      "product_label": "Term Deposit - 24 Months Interest on Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P35M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 99999.0,
      "deposit_min": 49999.01,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/I24-TD-24-ANL",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commfcu/I24-TD-24-ANL.json",
      "product_url": "https://communityfirst.com.au/products/term-deposits",
      "bank_last_updated": "2026-06-12T11:11:19.000+10:00"
     },
     {
      "rank": 32,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "24 MONTH FIXED TERM",
      "product_label": "24 Month Fixed Term",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 2000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/24MTH_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/24MTH_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-16T10:59:17.000+10:00"
     },
     {
      "rank": 33,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 24 Months",
      "product_label": "Term Deposit - 24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/14",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/14.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 34,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 35,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 36,
      "brand": "gmcu",
      "brand_label": "GMCU",
      "brand_slug": "gmcu",
      "product_name": "Fixed Term Deposit - 24 months",
      "product_label": "Fixed Term Deposit - 24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 100.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 1000000.0,
      "deposit_min": 4999.01,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must become a member. Visit our website for more details."
      ],
      "stacked_bonus": null,
      "source_url": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit_-_24_Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gmcu/Term_Deposit_-_24_Months.json",
      "product_url": "https://www.gmcu.com.au/banking/term-deposits/view-all-term-deposits/",
      "bank_last_updated": "2026-08-17T15:49:11.000+10:00"
     },
     {
      "rank": 37,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.046,
      "rate_pct": 4.6,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": 724,
      "term_days_max": 731,
      "term_raw": "P731D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 99999.99,
      "deposit_min": 25000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 38,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.046,
      "rate_pct": 4.6,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 20000.0,
      "tier_max": 99999.99,
      "deposit_min": 20000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 39,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.046,
      "rate_pct": 4.6,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P35M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 40,
      "brand": "Border Bank",
      "brand_label": "Border Bank",
      "brand_slug": "border-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.046,
      "rate_pct": 4.6,
      "interest_paid": "half_yearly",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/797f3952-486a-4683-9bcc-462ad80599fd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/border-bank/797f3952-486a-4683-9bcc-462ad80599fd.json",
      "product_url": "https://www.borderbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:29.599Z"
     },
     {
      "rank": 41,
      "brand": "Police Bank",
      "brand_label": "Police Bank",
      "brand_slug": "police-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.046,
      "rate_pct": 4.6,
      "interest_paid": "half_yearly",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/934b3b27-224e-41b9-a827-2032ec619780",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-bank/934b3b27-224e-41b9-a827-2032ec619780.json",
      "product_url": "https://www.policebank.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:27.339Z"
     },
     {
      "rank": 42,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "24MTH FIXED TERM DEPOSIT WEALTH BUILDER",
      "product_label": "24MTH Fixed Term Deposit Wealth Builder",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0455,
      "rate_pct": 4.55,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 50000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 999999.0,
      "deposit_min": 50000.0,
      "deposit_max": 999999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "NEW MEMBER ONLY"
      ],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/24MNTH_WEALTH_BUILDER_TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/24MNTH_WEALTH_BUILDER_TD.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-05-08T09:14:05.000+10:00"
     },
     {
      "rank": 43,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 44,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 45,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 5000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/bd41ed42-262c-4445-a7f6-f3b61314ec0c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/bd41ed42-262c-4445-a7f6-f3b61314ec0c.json",
      "product_url": "https://www.bendigobank.com.au/personal/term-deposits/term-deposit-enquiry/",
      "bank_last_updated": "2026-09-24T14:32:23.011Z"
     },
     {
      "rank": 46,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 24 Mth Trf 12 Mthly",
      "product_label": "INV - 24 Mth Trf 12 Mthly",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 50000.0,
      "tier_max": 199999.99,
      "deposit_min": 50000.0,
      "deposit_max": 199999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/23",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/23.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-03-23T12:00:30.9673694Z"
     },
     {
      "rank": 47,
      "brand": "Laboratories Credit Union",
      "brand_label": "Laboratories Credit Union",
      "brand_slug": "laboratories-credit-union",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P35M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…",
       "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…"
      ],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/laboratories-credit-union/Fixed_Term_Deposit.json",
      "product_url": "https://join.lcu.com.au/getting-started",
      "bank_last_updated": "2026-02-11T12:18:04.000+11:00"
     },
     {
      "rank": 48,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 49,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 50,
      "brand": "QBANK",
      "brand_label": "QBank",
      "brand_slug": "qbank",
      "product_name": "Term Deposit 24 Month",
      "product_label": "Term Deposit 24 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.044,
      "rate_pct": 4.4,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": 10000.0,
      "tier_max": 99999.99,
      "deposit_min": 10000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You do not have to be a member of Qbank to hold a term deposit."
      ],
      "stacked_bonus": null,
      "source_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/I24_Term_24",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qbank/I24_Term_24.json",
      "product_url": "https://www.qbank.com.au/products/accounts/term-deposits",
      "bank_last_updated": "2026-05-11T19:46:01.000+10:00"
     },
     {
      "rank": 51,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Platinum Plus Term Deposit 13-60 Months",
      "product_label": "Platinum Plus Term Deposit 13-60 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0435,
      "rate_pct": 4.35,
      "interest_paid": "annually",
      "term_months": 23,
      "term_min_months": 23,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 55 and over: To receive the Platinum Plus Club Member rates, the account owner of the term deposit must be either an individual aged 55 years or over, or a…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1100-0600",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1100-0600.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits/platinum-plus-term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 52,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0425,
      "rate_pct": 4.25,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 53,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest 6 Monthly",
      "product_label": "Term Investment - Interest 6 Monthly",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0425,
      "rate_pct": 4.25,
      "interest_paid": "half_yearly",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P35M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3005",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3005.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-23T14:00:00Z"
     },
     {
      "rank": 54,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "TD 12-35 Mth (Yr Int)",
      "product_label": "TD 12-35 Mth (Yr Int)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P35M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/16",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/16.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-06-28T16:00:22.3851793Z"
     },
     {
      "rank": 55,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (21)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 50000.0,
      "max_balance": 199999.0,
      "tier_min": 50000.0,
      "tier_max": 199999.0,
      "deposit_min": 50000.0,
      "deposit_max": 199999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_24M_%2450%2C000_to_%24199%2C999",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_24M__50_000_to__199_999.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 56,
      "brand": "Northern Inland Credit Union Limited",
      "brand_label": "Northern Inland Credit Union",
      "brand_slug": "northern-inland-credit-union-limited",
      "product_name": "24 MONTHS Term Deposit with interest paid at maturity/annually",
      "product_label": "24 MONTHS Term Deposit with Interest Paid at Maturity/annually",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": 249999.99,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUI2_STND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/northern-inland-credit-union-limited/NICUI2_STND.json",
      "product_url": "https://www.nicu.com.au/banking/banking-enquiry",
      "bank_last_updated": "2026-04-22T15:00:10.000+10:00"
     },
     {
      "rank": 57,
      "brand": "Australian Mutual Bank LTD",
      "brand_label": "Australian Mutual Bank",
      "brand_slug": "australian-mutual-bank-ltd",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": 730,
      "term_days_max": 1094,
      "term_raw": "P1094D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/74073f50-1e84-11f1-b37a-325096b39f47",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-mutual-bank-ltd/74073f50-1e84-11f1-b37a-325096b39f47.json",
      "product_url": "https://australianmutual.bank/banking/term-deposits/",
      "bank_last_updated": "2026-08-26T14:27:19.000+10:00"
     },
     {
      "rank": 58,
      "brand": "Firefighters Mutual Bank",
      "brand_label": "Firefighters Mutual Bank",
      "brand_slug": "firefighters-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": 730,
      "term_days_max": 1094,
      "term_raw": "P1094D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/aa76cccb-0cf7-4330-8eb6-e2756aefce0e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/firefighters-mutual-bank/aa76cccb-0cf7-4330-8eb6-e2756aefce0e.json",
      "product_url": "https://www.fmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:15:19.000+10:00"
     },
     {
      "rank": 59,
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": 730,
      "term_days_max": 1094,
      "term_raw": "P1094D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/d45a38f4-5462-4883-8239-7eaea4e2871b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/health-professionals-bank/d45a38f4-5462-4883-8239-7eaea4e2871b.json",
      "product_url": "https://www.hpbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-14T09:14:44.000+10:00"
     },
     {
      "rank": 60,
      "brand": "Teachers Mutual Bank",
      "brand_label": "Teachers Mutual Bank",
      "brand_slug": "teachers-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": 730,
      "term_days_max": 1094,
      "term_raw": "P1094D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/e556280d-1d2b-4fb1-b22f-151e8050bdda",
      "source_snapshot": "/au/finance/term-deposits/v1/source/teachers-mutual-bank/e556280d-1d2b-4fb1-b22f-151e8050bdda.json",
      "product_url": "https://www.tmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:18:27.000+10:00"
     },
     {
      "rank": 61,
      "brand": "UniBank",
      "brand_label": "UniBank",
      "brand_slug": "unibank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": 730,
      "term_days_max": 1094,
      "term_raw": "P1094D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unibank/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c.json",
      "product_url": "https://www.unibank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:25:09.000+10:00"
     },
     {
      "rank": 62,
      "brand": "The Mac",
      "brand_label": "The Mac",
      "brand_slug": "the-mac",
      "product_name": "TERM SAVINGS I4",
      "product_label": "Term Savings I4",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/I4_TERMDEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-mac/I4_TERMDEPOSIT.json",
      "product_url": "https://themaccu.com.au/solutions/everyday-banking-investments/all-everyday-banking-investments/",
      "bank_last_updated": "2026-08-24T08:38:40.000+10:00"
     },
     {
      "rank": 63,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "18-24 months >$25K",
      "product_label": "18-24 Months >$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 25000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_8",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_8.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 64,
      "brand": "Australian Military Bank",
      "brand_label": "Australian Military Bank",
      "brand_slug": "australian-military-bank",
      "product_name": "Teen Plus",
      "product_label": "Teen Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 500.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 18 and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4f86dc3e-4af2-40a4-adcf-210d341f538f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-military-bank/4f86dc3e-4af2-40a4-adcf-210d341f538f.json",
      "product_url": "https://www.australianmilitarybank.com.au/term-deposits",
      "bank_last_updated": "2026-08-24T23:18:21.610306Z"
     },
     {
      "rank": 65,
      "brand": "RSL Money",
      "brand_label": "RSL Money",
      "brand_slug": "rsl-money",
      "product_name": "RSL Sub-Branch Investment Plus",
      "product_label": "Sub-Branch Investment Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively for RSL Sub Branches and their members"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.rslmoney.com.au/cds-au/v1/banking/products/0cf9e8d4-3a9d-4bbb-9b7c-3065f1a52a65",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rsl-money/0cf9e8d4-3a9d-4bbb-9b7c-3065f1a52a65.json",
      "product_url": "https://www.rslmoney.com.au/contact",
      "bank_last_updated": "2026-08-24T04:54:23.540815Z"
     },
     {
      "rank": 66,
      "brand": "BOQ Specialist",
      "brand_label": "BOQ Specialist",
      "brand_slug": "boq-specialist",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 100000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 100000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively available to medical professionals and accountants"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/78906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/boq-specialist/78906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boqspecialist.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-21T00:19:38Z"
     },
     {
      "rank": 67,
      "brand": "Central Murray Bank",
      "brand_label": "Central Murray Bank",
      "brand_slug": "central-murray-bank",
      "product_name": "TERM DEPOSIT 24 MONTHS",
      "product_label": "Term Deposit 24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 3500000.0,
      "deposit_min": 50000.0,
      "deposit_max": 3500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/I5-24month",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-murray-bank/I5-24month.json",
      "product_url": "https://www.centralmurray.bank/invest/term-deposits/",
      "bank_last_updated": "2026-05-20T14:02:39.000+10:00"
     },
     {
      "rank": 68,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "24 Month Term Deposit - Yearly",
      "product_label": "24 Month Term Deposit - Yearly",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0345,
      "rate_pct": 3.45,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/118",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/118.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/regular-income-term-deposit/",
      "bank_last_updated": "2026-06-11T04:00:41.6927295Z"
     },
     {
      "rank": 69,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.0,
      "deposit_min": 50000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 70,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 71,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "24 MTHS [EDVEST]",
      "product_label": "24 Mths [Edvest]",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/24_MTHS_%5BEDVEST%5D",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/24_MTHS__EDVEST_.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/term-deposits/",
      "bank_last_updated": "2026-08-04T09:51:38.000+10:00"
     },
     {
      "rank": 72,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.029,
      "rate_pct": 2.9,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     },
     {
      "rank": 73,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 74,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 75,
      "brand": "Woolworths Team Bank",
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "product_name": "24 MONTHS",
      "product_label": "24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0195,
      "rate_pct": 1.95,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 2000.0,
      "tier_max": 1000000.0,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership is open to team members of Woolworths and Endeavour Groups, their immediate family members, and those with an affinity to Woolworths Group"
      ],
      "stacked_bonus": null,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/I24",
      "source_snapshot": "/au/finance/term-deposits/v1/source/woolworths-team-bank/I24.json",
      "product_url": "https://woolworthsteambank.snapforms.com.au/form/term-deposit-form",
      "bank_last_updated": "2026-08-17T12:43:39.000+10:00"
     },
     {
      "rank": 76,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 24 Months",
      "product_label": "Package TD 24 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.017,
      "rate_pct": 1.7,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/37",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/37.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "36": [
     {
      "rank": 1,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 2,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 36 months",
      "product_label": "Term Deposit 36 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 3000000.0,
      "deposit_min": 500.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/a75b54b7-3278-4fba-95d9-9cc143471b8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/a75b54b7-3278-4fba-95d9-9cc143471b8d.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=285",
      "bank_last_updated": "2026-09-21T22:00:24.424Z"
     },
     {
      "rank": 3,
      "brand": "Qudos Bank",
      "brand_label": "Qudos Bank",
      "brand_slug": "qudos-bank",
      "product_name": "Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products/f435abef-eaed-4d9f-a535-5c2925645472",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qudos-bank/f435abef-eaed-4d9f-a535-5c2925645472.json",
      "product_url": "https://www.qudosbank.com.au/products/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T22:00:26.783Z"
     },
     {
      "rank": 4,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 5,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To open an account, you must have a valid email address and an Australian mobile number.",
       "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD01.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD01.1.json",
      "product_url": "https://apply.heartlandbank.com.au/banking/HBSelfService/servletcontroller?ProductType=CBL_DEPOSIT_TERM_MB&CustomerType=Individual",
      "bank_last_updated": "2026-09-29T06:16:43Z"
     },
     {
      "rank": 6,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 7,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 8,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Platinum Plus Term Deposit 13-60 Months",
      "product_label": "Platinum Plus Term Deposit 13-60 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 55 and over: To receive the Platinum Plus Club Member rates, the account owner of the term deposit must be either an individual aged 55 years or over, or a…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1100-0600",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1100-0600.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits/platinum-plus-term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 9,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "3 Year Term Deposit",
      "product_label": "3 Year Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": 1095,
      "term_days_min": 1095,
      "term_days_max": 1095,
      "term_raw": "P1095D",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 9999999.0,
      "deposit_min": 500.0,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to members only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/f82d9637-2f52-4fb3-974d-a23847b6f6c5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/f82d9637-2f52-4fb3-974d-a23847b6f6c5.json",
      "product_url": "https://form.bankfirst.com.au/account-application",
      "bank_last_updated": "2026-09-16T23:04:34.770584Z"
     },
     {
      "rank": 10,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 11,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "Term Deposit 36 Months",
      "product_label": "Term Deposit 36 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I20_Term_deposit_36_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I20_Term_deposit_36_months.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:59:19.000+10:00"
     },
     {
      "rank": 12,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 13,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 5000.0,
      "tier_max": 99999.0,
      "deposit_min": 5000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 14,
      "brand": "Broken Hill Bank",
      "brand_label": "Broken Hill Bank",
      "brand_slug": "broken-hill-bank",
      "product_name": "FTD - 30 to 36 months",
      "product_label": "FTD - 30 to 36 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 499999.99,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/9",
      "source_snapshot": "/au/finance/term-deposits/v1/source/broken-hill-bank/9.json",
      "product_url": "https://brokenhill.bank/open-an-account",
      "bank_last_updated": "2026-06-11T02:00:18.8259621Z"
     },
     {
      "rank": 15,
      "brand": "Police Credit Union Ltd",
      "brand_label": "Police Credit Union",
      "brand_slug": "police-credit-union-ltd",
      "product_name": "YORKETOWN TERM DEPOSIT",
      "product_label": "Yorketown Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": 2500000.0,
      "tier_min": 50000.0,
      "tier_max": 2500000.0,
      "deposit_min": 50000.0,
      "deposit_max": 2500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/I76_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-credit-union-ltd/I76_TERM_DEPOSIT.json",
      "product_url": "https://www.policecu.com.au/rates/",
      "bank_last_updated": "2026-04-30T15:05:43.000+09:30"
     },
     {
      "rank": 16,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 17,
      "brand": "CommFCU",
      "brand_label": "Community First Bank",
      "brand_slug": "commfcu",
      "product_name": "TERM DEPOSITS - 36 MONTHS INTEREST ON MATURITY",
      "product_label": "Term Deposit - 36 Months Interest on Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 99999.0,
      "deposit_min": 49999.01,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/I36-TD-36-ANL",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commfcu/I36-TD-36-ANL.json",
      "product_url": "https://communityfirst.com.au/products/term-deposits",
      "bank_last_updated": "2026-06-12T11:11:19.000+10:00"
     },
     {
      "rank": 18,
      "brand": "Hume Bank",
      "brand_label": "Hume Bank",
      "brand_slug": "hume-bank",
      "product_name": "Term Deposit Online 36M (Paid Annually or at Maturity)",
      "product_label": "Term Deposit Online 36M (Paid Annually or at Maturity)",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "personal eligibility inferred: the bank's feed tags every term deposit business-only"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/36M_Online",
      "source_snapshot": "/au/finance/term-deposits/v1/source/hume-bank/36M_Online.json",
      "product_url": "https://www.humebank.com.au/savings/term-deposits/",
      "bank_last_updated": "2026-09-17T20:46:56.000+10:00"
     },
     {
      "rank": 19,
      "brand": "Laboratories Credit Union",
      "brand_label": "Laboratories Credit Union",
      "brand_slug": "laboratories-credit-union",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.046,
      "rate_pct": 4.6,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…",
       "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…"
      ],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/laboratories-credit-union/Fixed_Term_Deposit.json",
      "product_url": "https://join.lcu.com.au/getting-started",
      "bank_last_updated": "2026-02-11T12:18:04.000+11:00"
     },
     {
      "rank": 20,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.046,
      "rate_pct": 4.6,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 47,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 21,
      "brand": "Queensland Country Bank",
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "product_name": "FTD - Interest at Maturity",
      "product_label": "FTD - Interest at Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/40",
      "source_snapshot": "/au/finance/term-deposits/v1/source/queensland-country-bank/40.json",
      "product_url": "https://www.queenslandcountry.bank/banking/savings-accounts/term-deposits/",
      "bank_last_updated": "2026-10-02T14:00:24.0731915Z"
     },
     {
      "rank": 22,
      "brand": "Horizon Bank",
      "brand_label": "Horizon Bank",
      "brand_slug": "horizon-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/I50_I500001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/horizon-bank/I50_I500001.json",
      "product_url": "https://horizonbank.com.au/forms/savings-account-or-term-deposit-application/",
      "bank_last_updated": "2026-08-17T17:59:37.000+10:00"
     },
     {
      "rank": 23,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 24,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 25,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "12 MONTHLY INT TERM DEP",
      "product_label": "12 Monthly Int Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0425,
      "rate_pct": 4.25,
      "interest_paid": "annually",
      "term_months": 35,
      "term_min_months": 35,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": 1065,
      "term_days_max": 1095,
      "term_raw": "P1095D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 9999999.0,
      "deposit_min": 49999.01,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d25ba6e3-fbda-4c0a-8a10-c81241b8e013",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d25ba6e3-fbda-4c0a-8a10-c81241b8e013.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-05-07T08:56:35.000+10:00"
     },
     {
      "rank": 26,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Regular Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0425,
      "rate_pct": 4.25,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/8546b224-85ce-40b4-ba09-3390398b5c4e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/8546b224-85ce-40b4-ba09-3390398b5c4e.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.482282Z"
     },
     {
      "rank": 27,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": 1090,
      "term_days_max": 1100,
      "term_raw": "P1100D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 99999.99,
      "deposit_min": 25000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 28,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 29,
      "brand": "Border Bank",
      "brand_label": "Border Bank",
      "brand_slug": "border-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "half_yearly",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/797f3952-486a-4683-9bcc-462ad80599fd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/border-bank/797f3952-486a-4683-9bcc-462ad80599fd.json",
      "product_url": "https://www.borderbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:29.599Z"
     },
     {
      "rank": 30,
      "brand": "Police Bank",
      "brand_label": "Police Bank",
      "brand_slug": "police-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "half_yearly",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/934b3b27-224e-41b9-a827-2032ec619780",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-bank/934b3b27-224e-41b9-a827-2032ec619780.json",
      "product_url": "https://www.policebank.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:27.339Z"
     },
     {
      "rank": 31,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 20000.0,
      "tier_max": 99999.99,
      "deposit_min": 20000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 32,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 47,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P47M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 33,
      "brand": "Australian Mutual Bank LTD",
      "brand_label": "Australian Mutual Bank",
      "brand_slug": "australian-mutual-bank-ltd",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/74073f50-1e84-11f1-b37a-325096b39f47",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-mutual-bank-ltd/74073f50-1e84-11f1-b37a-325096b39f47.json",
      "product_url": "https://australianmutual.bank/banking/term-deposits/",
      "bank_last_updated": "2026-08-26T14:27:19.000+10:00"
     },
     {
      "rank": 34,
      "brand": "Firefighters Mutual Bank",
      "brand_label": "Firefighters Mutual Bank",
      "brand_slug": "firefighters-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/aa76cccb-0cf7-4330-8eb6-e2756aefce0e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/firefighters-mutual-bank/aa76cccb-0cf7-4330-8eb6-e2756aefce0e.json",
      "product_url": "https://www.fmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:15:19.000+10:00"
     },
     {
      "rank": 35,
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/d45a38f4-5462-4883-8239-7eaea4e2871b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/health-professionals-bank/d45a38f4-5462-4883-8239-7eaea4e2871b.json",
      "product_url": "https://www.hpbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-14T09:14:44.000+10:00"
     },
     {
      "rank": 36,
      "brand": "Teachers Mutual Bank",
      "brand_label": "Teachers Mutual Bank",
      "brand_slug": "teachers-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/e556280d-1d2b-4fb1-b22f-151e8050bdda",
      "source_snapshot": "/au/finance/term-deposits/v1/source/teachers-mutual-bank/e556280d-1d2b-4fb1-b22f-151e8050bdda.json",
      "product_url": "https://www.tmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:18:27.000+10:00"
     },
     {
      "rank": 37,
      "brand": "UniBank",
      "brand_label": "UniBank",
      "brand_slug": "unibank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unibank/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c.json",
      "product_url": "https://www.unibank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:25:09.000+10:00"
     },
     {
      "rank": 38,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 47,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 39,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 47,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 40,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 47,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 41,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Bendigo Cash Solutions Term Deposit",
      "product_label": "Cash Solutions Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/b85e1a64-ee7f-475d-b2dd-c0de7b5504b7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/b85e1a64-ee7f-475d-b2dd-c0de7b5504b7.json",
      "product_url": null,
      "bank_last_updated": "2026-07-24T01:18:35.447Z"
     },
     {
      "rank": 42,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 43,
      "brand": "QBANK",
      "brand_label": "QBank",
      "brand_slug": "qbank",
      "product_name": "Term Deposit 36 Month",
      "product_label": "Term Deposit 36 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": 10000.0,
      "tier_max": 99999.99,
      "deposit_min": 10000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You do not have to be a member of Qbank to hold a term deposit."
      ],
      "stacked_bonus": null,
      "source_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/I35_Term_36",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qbank/I35_Term_36.json",
      "product_url": "https://www.qbank.com.au/products/accounts/term-deposits",
      "bank_last_updated": "2026-05-11T19:49:57.000+10:00"
     },
     {
      "rank": 44,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 45,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest 6 Monthly",
      "product_label": "Term Investment - Interest 6 Monthly",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "half_yearly",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 47,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P47M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3005",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3005.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-23T14:00:00Z"
     },
     {
      "rank": 46,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 36 Mth Trf 12 Mthly",
      "product_label": "INV - 36 Mth Trf 12 Mthly",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 50000.0,
      "tier_max": 199999.99,
      "deposit_min": 50000.0,
      "deposit_max": 199999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/25",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/25.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-03-23T12:00:30.9673694Z"
     },
     {
      "rank": 47,
      "brand": "BOQ Specialist",
      "brand_label": "BOQ Specialist",
      "brand_slug": "boq-specialist",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 100000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 100000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively available to medical professionals and accountants"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/78906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/boq-specialist/78906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boqspecialist.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-21T00:19:38Z"
     },
     {
      "rank": 48,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "36 Month Term Deposit - Yearly",
      "product_label": "36 Month Term Deposit - Yearly",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/119",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/119.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/regular-income-term-deposit/",
      "bank_last_updated": "2026-06-11T04:00:41.6927295Z"
     },
     {
      "rank": 49,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "TD 36-60 Mth (Yr Int)",
      "product_label": "TD 36-60 Mth (Yr Int)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "annually",
      "term_months": 35,
      "term_min_months": 35,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/29",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/29.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-06-28T16:00:22.3851793Z"
     },
     {
      "rank": 50,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 51,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.0,
      "deposit_min": 50000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 52,
      "brand": "Australian Military Bank",
      "brand_label": "Australian Military Bank",
      "brand_slug": "australian-military-bank",
      "product_name": "Teen Plus",
      "product_label": "Teen Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.032,
      "rate_pct": 3.2,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 500.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 18 and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4f86dc3e-4af2-40a4-adcf-210d341f538f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-military-bank/4f86dc3e-4af2-40a4-adcf-210d341f538f.json",
      "product_url": "https://www.australianmilitarybank.com.au/term-deposits",
      "bank_last_updated": "2026-08-24T23:18:21.610306Z"
     },
     {
      "rank": 53,
      "brand": "RSL Money",
      "brand_label": "RSL Money",
      "brand_slug": "rsl-money",
      "product_name": "RSL Sub-Branch Investment Plus",
      "product_label": "Sub-Branch Investment Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.032,
      "rate_pct": 3.2,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively for RSL Sub Branches and their members"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.rslmoney.com.au/cds-au/v1/banking/products/0cf9e8d4-3a9d-4bbb-9b7c-3065f1a52a65",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rsl-money/0cf9e8d4-3a9d-4bbb-9b7c-3065f1a52a65.json",
      "product_url": "https://www.rslmoney.com.au/contact",
      "bank_last_updated": "2026-08-24T04:54:23.540815Z"
     },
     {
      "rank": 54,
      "brand": "Cairns bank",
      "brand_label": "Cairns Bank",
      "brand_slug": "cairns-bank",
      "product_name": "Term deposits 12mths over $500,000 mthly interest",
      "product_label": "Term Deposit 12mths Over $500,000 Mthly Interest",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0315,
      "rate_pct": 3.15,
      "interest_paid": "monthly",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": 1095,
      "term_days_max": 1096,
      "term_raw": "P1096D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/I99_12M_OVER_500K",
      "source_snapshot": "/au/finance/term-deposits/v1/source/cairns-bank/I99_12M_OVER_500K.json",
      "product_url": "https://cairnsbank.com.au/banking/personal-banking/term-deposit-account",
      "bank_last_updated": "2026-06-29T09:36:15.000+10:00"
     },
     {
      "rank": 55,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.029,
      "rate_pct": 2.9,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     },
     {
      "rank": 56,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 47,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 57,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 58,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 36 Months",
      "product_label": "Package TD 36 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.017,
      "rate_pct": 1.7,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/38",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/38.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "48": [
     {
      "rank": 1,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.055,
      "rate_pct": 5.5,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 2,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To open an account, you must have a valid email address and an Australian mobile number.",
       "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD01.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD01.1.json",
      "product_url": "https://apply.heartlandbank.com.au/banking/HBSelfService/servletcontroller?ProductType=CBL_DEPOSIT_TERM_MB&CustomerType=Individual",
      "bank_last_updated": "2026-09-29T06:16:43Z"
     },
     {
      "rank": 3,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 4,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 5,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 6,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Platinum Plus Term Deposit 13-60 Months",
      "product_label": "Platinum Plus Term Deposit 13-60 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 55 and over: To receive the Platinum Plus Club Member rates, the account owner of the term deposit must be either an individual aged 55 years or over, or a…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1100-0600",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1100-0600.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits/platinum-plus-term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 7,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "4 Year Term Deposit",
      "product_label": "4 Year Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": 1460,
      "term_days_min": 1460,
      "term_days_max": 1460,
      "term_raw": "P1460D",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 9999999.0,
      "deposit_min": 500.0,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to members only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/4c2df64d-a244-4f64-a0c4-61c6fb650b58",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/4c2df64d-a244-4f64-a0c4-61c6fb650b58.json",
      "product_url": "https://form.bankfirst.com.au/account-application",
      "bank_last_updated": "2026-09-16T23:04:41.243384Z"
     },
     {
      "rank": 8,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 9,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 5000.0,
      "tier_max": 99999.0,
      "deposit_min": 5000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 10,
      "brand": "Police Credit Union Ltd",
      "brand_label": "Police Credit Union",
      "brand_slug": "police-credit-union-ltd",
      "product_name": "YORKETOWN TERM DEPOSIT",
      "product_label": "Yorketown Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": 2500000.0,
      "tier_min": 50000.0,
      "tier_max": 2500000.0,
      "deposit_min": 50000.0,
      "deposit_max": 2500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/I76_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-credit-union-ltd/I76_TERM_DEPOSIT.json",
      "product_url": "https://www.policecu.com.au/rates/",
      "bank_last_updated": "2026-04-30T15:05:43.000+09:30"
     },
     {
      "rank": 11,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "Term Deposit 48 Months",
      "product_label": "Term Deposit 48 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I20_Term_Deposit_48_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I20_Term_Deposit_48_months.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:55:48.000+10:00"
     },
     {
      "rank": 12,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.046,
      "rate_pct": 4.6,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 13,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0425,
      "rate_pct": 4.25,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 14,
      "brand": "Border Bank",
      "brand_label": "Border Bank",
      "brand_slug": "border-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "half_yearly",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/797f3952-486a-4683-9bcc-462ad80599fd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/border-bank/797f3952-486a-4683-9bcc-462ad80599fd.json",
      "product_url": "https://www.borderbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:29.599Z"
     },
     {
      "rank": 15,
      "brand": "Police Bank",
      "brand_label": "Police Bank",
      "brand_slug": "police-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "half_yearly",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/934b3b27-224e-41b9-a827-2032ec619780",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-bank/934b3b27-224e-41b9-a827-2032ec619780.json",
      "product_url": "https://www.policebank.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:27.339Z"
     },
     {
      "rank": 16,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 59,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P59M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 17,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 59,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 18,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 59,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 19,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 59,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 20,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 59,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 21,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 22,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Bendigo Cash Solutions Term Deposit",
      "product_label": "Cash Solutions Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/b85e1a64-ee7f-475d-b2dd-c0de7b5504b7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/b85e1a64-ee7f-475d-b2dd-c0de7b5504b7.json",
      "product_url": null,
      "bank_last_updated": "2026-07-24T01:18:35.447Z"
     },
     {
      "rank": 23,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 24,
      "brand": "QBANK",
      "brand_label": "QBank",
      "brand_slug": "qbank",
      "product_name": "Term Deposit 48 Month",
      "product_label": "Term Deposit 48 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": 10000.0,
      "tier_max": 99999.99,
      "deposit_min": 10000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You do not have to be a member of Qbank to hold a term deposit."
      ],
      "stacked_bonus": null,
      "source_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/I48_Term_48",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qbank/I48_Term_48.json",
      "product_url": "https://www.qbank.com.au/products/accounts/term-deposits",
      "bank_last_updated": "2026-05-11T19:53:12.000+10:00"
     },
     {
      "rank": 25,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 48-60 Mth Trf 12 Mthly",
      "product_label": "INV - 48-60 Mth Trf 12 Mthly",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 50000.0,
      "tier_max": 199999.99,
      "deposit_min": 50000.0,
      "deposit_max": 199999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/13",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/13.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-03-23T12:00:30.9673694Z"
     },
     {
      "rank": 26,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 27,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 28,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest 6 Monthly",
      "product_label": "Term Investment - Interest 6 Monthly",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "half_yearly",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 59,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P59M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3005",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3005.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-23T14:00:00Z"
     },
     {
      "rank": 29,
      "brand": "BOQ Specialist",
      "brand_label": "BOQ Specialist",
      "brand_slug": "boq-specialist",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 100000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 100000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively available to medical professionals and accountants"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/78906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/boq-specialist/78906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boqspecialist.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-21T00:19:38Z"
     },
     {
      "rank": 30,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 20000.0,
      "tier_max": 99999.99,
      "deposit_min": 20000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 31,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "TD 36-60 Mth (Yr Int)",
      "product_label": "TD 36-60 Mth (Yr Int)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "annually",
      "term_months": 35,
      "term_min_months": 35,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/29",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/29.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-06-28T16:00:22.3851793Z"
     },
     {
      "rank": 32,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 33,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.0,
      "deposit_min": 50000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 34,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 37,
      "term_min_months": 37,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": 1096,
      "term_days_max": 1460,
      "term_raw": "P1460D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 9999999.0,
      "deposit_min": 49999.01,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 35,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.029,
      "rate_pct": 2.9,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     },
     {
      "rank": 36,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 59,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 37,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 38,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 48 Months",
      "product_label": "Package TD 48 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0075,
      "rate_pct": 0.75,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/39",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/39.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "60": [
     {
      "rank": 1,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.055,
      "rate_pct": 5.5,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 2,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 3,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To open an account, you must have a valid email address and an Australian mobile number.",
       "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD01.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD01.1.json",
      "product_url": "https://apply.heartlandbank.com.au/banking/HBSelfService/servletcontroller?ProductType=CBL_DEPOSIT_TERM_MB&CustomerType=Individual",
      "bank_last_updated": "2026-09-29T06:16:43Z"
     },
     {
      "rank": 4,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 5,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Platinum Plus Term Deposit 13-60 Months",
      "product_label": "Platinum Plus Term Deposit 13-60 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 55 and over: To receive the Platinum Plus Club Member rates, the account owner of the term deposit must be either an individual aged 55 years or over, or a…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1100-0600",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1100-0600.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits/platinum-plus-term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 6,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 7,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "5 Year Term Deposit",
      "product_label": "5 Year Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": 1825,
      "term_days_min": 1825,
      "term_days_max": 1825,
      "term_raw": "P1825D",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 9999999.0,
      "deposit_min": 500.0,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to members only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/c736d104-9610-49fa-a85c-6680e61eafc0",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/c736d104-9610-49fa-a85c-6680e61eafc0.json",
      "product_url": "https://form.bankfirst.com.au/account-application",
      "bank_last_updated": "2026-09-16T23:04:47.72782Z"
     },
     {
      "rank": 8,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 9,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 5000.0,
      "tier_max": 99999.0,
      "deposit_min": 5000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 10,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0425,
      "rate_pct": 4.25,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 11,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "Term Deposit 60 Months",
      "product_label": "Term Deposit 60 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I20_Term_Deposit_60_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I20_Term_Deposit_60_months.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:55:48.000+10:00"
     },
     {
      "rank": 12,
      "brand": "Border Bank",
      "brand_label": "Border Bank",
      "brand_slug": "border-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "half_yearly",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/797f3952-486a-4683-9bcc-462ad80599fd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/border-bank/797f3952-486a-4683-9bcc-462ad80599fd.json",
      "product_url": "https://www.borderbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:29.599Z"
     },
     {
      "rank": 13,
      "brand": "Police Bank",
      "brand_label": "Police Bank",
      "brand_slug": "police-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "half_yearly",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/934b3b27-224e-41b9-a827-2032ec619780",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-bank/934b3b27-224e-41b9-a827-2032ec619780.json",
      "product_url": "https://www.policebank.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:27.339Z"
     },
     {
      "rank": 14,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 15,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 16,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 17,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 18,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 19,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 20,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 21,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Bendigo Cash Solutions Term Deposit",
      "product_label": "Cash Solutions Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/b85e1a64-ee7f-475d-b2dd-c0de7b5504b7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/b85e1a64-ee7f-475d-b2dd-c0de7b5504b7.json",
      "product_url": null,
      "bank_last_updated": "2026-07-24T01:18:35.447Z"
     },
     {
      "rank": 22,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 23,
      "brand": "QBANK",
      "brand_label": "QBank",
      "brand_slug": "qbank",
      "product_name": "Term Deposit 60 Month",
      "product_label": "Term Deposit 60 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": 10000.0,
      "tier_max": 99999.99,
      "deposit_min": 10000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You do not have to be a member of Qbank to hold a term deposit."
      ],
      "stacked_bonus": null,
      "source_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/I64_Term_60",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qbank/I64_Term_60.json",
      "product_url": "https://www.qbank.com.au/products/accounts/term-deposits/",
      "bank_last_updated": "2026-05-11T19:55:44.000+10:00"
     },
     {
      "rank": 24,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 48-60 Mth Trf 12 Mthly",
      "product_label": "INV - 48-60 Mth Trf 12 Mthly",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 50000.0,
      "tier_max": 199999.99,
      "deposit_min": 50000.0,
      "deposit_max": 199999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/13",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/13.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-03-23T12:00:30.9673694Z"
     },
     {
      "rank": 25,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 26,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 20000.0,
      "tier_max": 99999.99,
      "deposit_min": 20000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 27,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 28,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest 6 Monthly",
      "product_label": "Term Investment - Interest 6 Monthly",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "half_yearly",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3005",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3005.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-23T14:00:00Z"
     },
     {
      "rank": 29,
      "brand": "BOQ Specialist",
      "brand_label": "BOQ Specialist",
      "brand_slug": "boq-specialist",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 100000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 100000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively available to medical professionals and accountants"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/78906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/boq-specialist/78906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boqspecialist.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-21T00:19:38Z"
     },
     {
      "rank": 30,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "TD 36-60 Mth (Yr Int)",
      "product_label": "TD 36-60 Mth (Yr Int)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "annually",
      "term_months": 35,
      "term_min_months": 35,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/29",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/29.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-06-28T16:00:22.3851793Z"
     },
     {
      "rank": 31,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 32,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 50,
      "term_min_months": 50,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": 1491,
      "term_days_max": 1829,
      "term_raw": "P1829D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 9999999.0,
      "deposit_min": 49999.01,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 33,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.032,
      "rate_pct": 3.2,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.0,
      "deposit_min": 50000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 34,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.029,
      "rate_pct": 2.9,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     },
     {
      "rank": 35,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 36,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 60 Months",
      "product_label": "Package TD 60 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0075,
      "rate_pct": 0.75,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/40",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/40.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ]
   },
   "250000": {
    "1": [
     {
      "rank": 1,
      "brand": "Woolworths Team Bank",
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "product_name": "7 MONTHS",
      "product_label": "7 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 0.0,
      "tier_max": 1000000.0,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Woolworths Group Limited and Endeavour Group Limited team members, Immediate family members of Woolworths Group Limited and Endeavour Group Limited team member…"
      ],
      "stacked_bonus": null,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/7Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/woolworths-team-bank/7Months.json",
      "product_url": "https://woolworthsteambank.snapforms.com.au/form/term-deposit-form",
      "bank_last_updated": "2026-09-23T14:21:03.000+10:00"
     },
     {
      "rank": 2,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "12 Month Regular Income",
      "product_label": "12 Month Regular Income",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I3_TermDeposit_12mthIncome",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I3_TermDeposit_12mthIncome.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:59:19.000+10:00"
     },
     {
      "rank": 3,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "24 MONTHS",
      "product_label": "24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/24MTH_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/24MTH_TERM_DEPOSIT.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-07-02T11:03:33.000+10:00"
     },
     {
      "rank": 4,
      "brand": "BOQ Specialist",
      "brand_label": "BOQ Specialist",
      "brand_slug": "boq-specialist",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": 30,
      "term_days_min": 30,
      "term_days_max": 30,
      "term_raw": "P30D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 100000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 100000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively available to medical professionals and accountants"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/78906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/boq-specialist/78906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boqspecialist.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-21T00:19:38Z"
     },
     {
      "rank": 5,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 6,
      "brand": "Fire Service Credit Union",
      "brand_label": "Fire Service Credit Union",
      "brand_slug": "fire-service-credit-union",
      "product_name": "I1 Cheque A Month",
      "product_label": "I1 Cheque A Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 1000000.0,
      "deposit_min": 10000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/11",
      "source_snapshot": "/au/finance/term-deposits/v1/source/fire-service-credit-union/11.json",
      "product_url": "https://www.fscu.com.au/accounts/term-deposits/",
      "bank_last_updated": "2026-05-20T04:00:33.3305724Z"
     },
     {
      "rank": 7,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Standard Rate Term Deposit 1-12 months",
      "product_label": "Standard Rate Term Deposit 1-12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1000-0500",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1000-0500.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 8,
      "brand": "Bank of China",
      "brand_label": "Bank of China",
      "brand_slug": "bank-of-china",
      "product_name": "Term Deposit AUD 1M",
      "product_label": "Term Deposit AUD 1M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "Term Deposit AUD 1M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/55090506",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-china/55090506.json",
      "product_url": "https://www.bankofchina.com/au/en/pbservice/pb1/201712/t20171214_10912803.html",
      "bank_last_updated": "2026-05-07T14:00:00.000+10:00"
     },
     {
      "rank": 9,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Broker Term Deposit",
      "product_label": "Broker Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0255,
      "rate_pct": 2.55,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": 31,
      "term_days_min": 31,
      "term_days_max": 31,
      "term_raw": "P31D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 2000000.0,
      "deposit_min": 10000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This account is available via Australian Money Market",
       "available via broker or intermediary",
       "Minimum deposit for new customer is $10K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD03.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD03.1.json",
      "product_url": "https://www.heartlandbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-30T03:59:03Z"
     },
     {
      "rank": 10,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.025,
      "rate_pct": 2.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 11,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0225,
      "rate_pct": 2.25,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 499999.0,
      "deposit_min": 100000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 12,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0225,
      "rate_pct": 2.25,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 13,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Term Deposit 1 month",
      "product_label": "Term Deposit 1 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available on request only"
      ],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/239",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/239.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-05-20T00:00:00.000+10:00"
     },
     {
      "rank": 14,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 15,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 16,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": 26,
      "term_days_max": 58,
      "term_raw": "P58D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 500000.0,
      "deposit_min": 100000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 17,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 18,
      "brand": "Horizon Bank",
      "brand_label": "Horizon Bank",
      "brand_slug": "horizon-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/I50_I500001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/horizon-bank/I50_I500001.json",
      "product_url": "https://horizonbank.com.au/forms/savings-account-or-term-deposit-application/",
      "bank_last_updated": "2026-08-17T17:59:37.000+10:00"
     },
     {
      "rank": 19,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Online Term Deposit",
      "product_label": "Online Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 100000.01,
      "tier_max": 250000.0,
      "deposit_min": 100000.01,
      "deposit_max": 250000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "New customers are required to open and maintain a High Interest Savings Account (HISA) which is a variable rate at-call savings account which does not charge f…",
       "loyalty bonus on rollover"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/9b82ebfd-cd77-4c6c-a8de-880fdabf0bf4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/9b82ebfd-cd77-4c6c-a8de-880fdabf0bf4.json",
      "product_url": "https://myapplication.rabobank.com.au/apply?CONT=AU&PID=TERMDEP",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 20,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0195,
      "rate_pct": 1.95,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": 31,
      "term_days_max": 60,
      "term_raw": "P60D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 21,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 1 Month",
      "product_label": "Term Deposit - 1 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0165,
      "rate_pct": 1.65,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/1.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 22,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.015,
      "rate_pct": 1.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": 7,
      "term_days_max": 30,
      "term_raw": "P7D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 23,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.015,
      "rate_pct": 1.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 24,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (55)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.015,
      "rate_pct": 1.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 200000.0,
      "max_balance": 500000.0,
      "tier_min": 200000.0,
      "tier_max": 500000.0,
      "deposit_min": 200000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_IM_%24200%2C000_plus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_IM__200_000_plus.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 25,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.015,
      "rate_pct": 1.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 26,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.014,
      "rate_pct": 1.4,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 27,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.014,
      "rate_pct": 1.4,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 28,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.014,
      "rate_pct": 1.4,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": 30,
      "term_days_min": 30,
      "term_days_max": 30,
      "term_raw": "P30D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 29,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.014,
      "rate_pct": 1.4,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 30,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.013,
      "rate_pct": 1.3,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 100000.0,
      "tier_max": 999999.0,
      "deposit_min": 100000.0,
      "deposit_max": 999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 31,
      "brand": "Cairns bank",
      "brand_label": "Cairns Bank",
      "brand_slug": "cairns-bank",
      "product_name": "Term deposits 12mths under $500,000",
      "product_label": "Term Deposit 12mths Under $500,000",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0125,
      "rate_pct": 1.25,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/I1_12M_UNDER_500K",
      "source_snapshot": "/au/finance/term-deposits/v1/source/cairns-bank/I1_12M_UNDER_500K.json",
      "product_url": "https://cairnsbank.com.au/banking/personal-banking/term-deposit-account",
      "bank_last_updated": "2026-06-29T09:28:13.000+10:00"
     },
     {
      "rank": 32,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0125,
      "rate_pct": 1.25,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M/P2M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 33,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "1 Month Term Deposit",
      "product_label": "1 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.012,
      "rate_pct": 1.2,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/98",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/98.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/standard-term-deposit/",
      "bank_last_updated": "2026-06-11T04:00:41.6927295Z"
     },
     {
      "rank": 34,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.012,
      "rate_pct": 1.2,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 5000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/bd41ed42-262c-4445-a7f6-f3b61314ec0c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/bd41ed42-262c-4445-a7f6-f3b61314ec0c.json",
      "product_url": "https://www.bendigobank.com.au/personal/term-deposits/term-deposit-enquiry/",
      "bank_last_updated": "2026-09-24T14:32:23.011Z"
     },
     {
      "rank": 35,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0115,
      "rate_pct": 1.15,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 36,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.011,
      "rate_pct": 1.1,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 37,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest @ Maturity",
      "product_label": "Term Investment - Interest @ Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.01,
      "rate_pct": 1.0,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3000",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3000.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-27T14:00:00Z"
     },
     {
      "rank": 38,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.01,
      "rate_pct": 1.0,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": 21,
      "term_days_max": 45,
      "term_raw": "P21D - P45D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 39,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "NATIONAL SENIORS TERM DEPOSIT",
      "product_label": "National Seniors Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0075,
      "rate_pct": 0.75,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 3000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through National Seniors Australia"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6f474df2-c438-4132-939f-9730d5e45165",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/6f474df2-c438-4132-939f-9730d5e45165.json",
      "product_url": "https://nationalseniors.com.au/services/financial/termdeposit",
      "bank_last_updated": "2026-09-29T09:16:28.000+10:00"
     },
     {
      "rank": 40,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0055,
      "rate_pct": 0.55,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 41,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Regular Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.005,
      "rate_pct": 0.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/8546b224-85ce-40b4-ba09-3390398b5c4e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/8546b224-85ce-40b4-ba09-3390398b5c4e.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.482282Z"
     }
    ],
    "2": [
     {
      "rank": 1,
      "brand": "Woolworths Team Bank",
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "product_name": "7 MONTHS",
      "product_label": "7 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 0.0,
      "tier_max": 1000000.0,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Woolworths Group Limited and Endeavour Group Limited team members, Immediate family members of Woolworths Group Limited and Endeavour Group Limited team member…"
      ],
      "stacked_bonus": null,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/7Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/woolworths-team-bank/7Months.json",
      "product_url": "https://woolworthsteambank.snapforms.com.au/form/term-deposit-form",
      "bank_last_updated": "2026-09-23T14:21:03.000+10:00"
     },
     {
      "rank": 2,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 499999.0,
      "deposit_min": 100000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 3,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "12 Month Regular Income",
      "product_label": "12 Month Regular Income",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I3_TermDeposit_12mthIncome",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I3_TermDeposit_12mthIncome.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:59:19.000+10:00"
     },
     {
      "rank": 4,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Standard Rate Term Deposit 1-12 months",
      "product_label": "Standard Rate Term Deposit 1-12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1000-0500",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1000-0500.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 5,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": 61,
      "term_days_max": 92,
      "term_raw": "P92D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 6,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "24 MONTHS",
      "product_label": "24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/24MTH_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/24MTH_TERM_DEPOSIT.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-07-02T11:03:33.000+10:00"
     },
     {
      "rank": 7,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0445,
      "rate_pct": 4.45,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 8,
      "brand": "BOQ Specialist",
      "brand_label": "BOQ Specialist",
      "brand_slug": "boq-specialist",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": 60,
      "term_days_min": 60,
      "term_days_max": 60,
      "term_raw": "P60D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 100000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 100000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively available to medical professionals and accountants"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/78906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/boq-specialist/78906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boqspecialist.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-21T00:19:38Z"
     },
     {
      "rank": 9,
      "brand": "Broken Hill Bank",
      "brand_label": "Broken Hill Bank",
      "brand_slug": "broken-hill-bank",
      "product_name": "FTD - 2 to 5 Months",
      "product_label": "FTD - 2 to 5 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 499999.99,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/8",
      "source_snapshot": "/au/finance/term-deposits/v1/source/broken-hill-bank/8.json",
      "product_url": "https://brokenhill.bank/open-an-account",
      "bank_last_updated": "2026-06-11T02:00:18.8259621Z"
     },
     {
      "rank": 10,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 11,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 12,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.023,
      "rate_pct": 2.3,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 13,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Term Deposit 2 months",
      "product_label": "Term Deposit 2 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available on request only"
      ],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/240",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/240.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-05-20T00:00:00.000+10:00"
     },
     {
      "rank": 14,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 15,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 16,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": 59,
      "term_days_max": 88,
      "term_raw": "P88D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 500000.0,
      "deposit_min": 100000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 17,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 18,
      "brand": "Horizon Bank",
      "brand_label": "Horizon Bank",
      "brand_slug": "horizon-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/I50_I500001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/horizon-bank/I50_I500001.json",
      "product_url": "https://horizonbank.com.au/forms/savings-account-or-term-deposit-application/",
      "bank_last_updated": "2026-08-17T17:59:37.000+10:00"
     },
     {
      "rank": 19,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 100000.0,
      "tier_max": 999999.0,
      "deposit_min": 100000.0,
      "deposit_max": 999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 20,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 2 Months",
      "product_label": "Term Deposit - 2 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.019,
      "rate_pct": 1.9,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/2",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/2.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 21,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0175,
      "rate_pct": 1.75,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 22,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0175,
      "rate_pct": 1.75,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 23,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (23)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0175,
      "rate_pct": 1.75,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 200000.0,
      "max_balance": 500000.0,
      "tier_min": 200000.0,
      "tier_max": 500000.0,
      "deposit_min": 200000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_2M_%24200%2C000_plus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_2M__200_000_plus.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 24,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0175,
      "rate_pct": 1.75,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 25,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0165,
      "rate_pct": 1.65,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 26,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0165,
      "rate_pct": 1.65,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 27,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0165,
      "rate_pct": 1.65,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": 60,
      "term_days_min": 60,
      "term_days_max": 60,
      "term_raw": "P60D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 28,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0165,
      "rate_pct": 1.65,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 29,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "2 Month Term Deposit",
      "product_label": "2 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.016,
      "rate_pct": 1.6,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/99",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/99.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/standard-term-deposit/",
      "bank_last_updated": "2026-06-11T04:00:41.6927295Z"
     },
     {
      "rank": 30,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "2 Month Term Deposit",
      "product_label": "2 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.016,
      "rate_pct": 1.6,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/28",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/28.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-06-28T16:00:22.3851793Z"
     },
     {
      "rank": 31,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.016,
      "rate_pct": 1.6,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 32,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0145,
      "rate_pct": 1.45,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 5000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/bd41ed42-262c-4445-a7f6-f3b61314ec0c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/bd41ed42-262c-4445-a7f6-f3b61314ec0c.json",
      "product_url": "https://www.bendigobank.com.au/personal/term-deposits/term-deposit-enquiry/",
      "bank_last_updated": "2026-09-24T14:32:23.011Z"
     },
     {
      "rank": 33,
      "brand": "Border Bank",
      "brand_label": "Border Bank",
      "brand_slug": "border-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.014,
      "rate_pct": 1.4,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 20000.0,
      "tier_max": 500000.0,
      "deposit_min": 20000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/797f3952-486a-4683-9bcc-462ad80599fd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/border-bank/797f3952-486a-4683-9bcc-462ad80599fd.json",
      "product_url": "https://www.borderbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:29.599Z"
     },
     {
      "rank": 34,
      "brand": "Police Bank",
      "brand_label": "Police Bank",
      "brand_slug": "police-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.014,
      "rate_pct": 1.4,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 20000.0,
      "tier_max": 500000.0,
      "deposit_min": 20000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/934b3b27-224e-41b9-a827-2032ec619780",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-bank/934b3b27-224e-41b9-a827-2032ec619780.json",
      "product_url": "https://www.policebank.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:27.339Z"
     },
     {
      "rank": 35,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0135,
      "rate_pct": 1.35,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 36,
      "brand": "Cairns bank",
      "brand_label": "Cairns Bank",
      "brand_slug": "cairns-bank",
      "product_name": "Term deposits 12mths under $500,000",
      "product_label": "Term Deposit 12mths Under $500,000",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0125,
      "rate_pct": 1.25,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/I1_12M_UNDER_500K",
      "source_snapshot": "/au/finance/term-deposits/v1/source/cairns-bank/I1_12M_UNDER_500K.json",
      "product_url": "https://cairnsbank.com.au/banking/personal-banking/term-deposit-account",
      "bank_last_updated": "2026-06-29T09:28:13.000+10:00"
     },
     {
      "rank": 37,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0125,
      "rate_pct": 1.25,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M/P2M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 38,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0115,
      "rate_pct": 1.15,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 39,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "NATIONAL SENIORS TERM DEPOSIT",
      "product_label": "National Seniors Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.01,
      "rate_pct": 1.0,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 3000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through National Seniors Australia"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6f474df2-c438-4132-939f-9730d5e45165",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/6f474df2-c438-4132-939f-9730d5e45165.json",
      "product_url": "https://nationalseniors.com.au/services/financial/termdeposit",
      "bank_last_updated": "2026-09-29T09:16:28.000+10:00"
     },
     {
      "rank": 40,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest @ Maturity",
      "product_label": "Term Investment - Interest @ Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.01,
      "rate_pct": 1.0,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3000",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3000.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-27T14:00:00Z"
     },
     {
      "rank": 41,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.01,
      "rate_pct": 1.0,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": 46,
      "term_days_max": 75,
      "term_raw": "P46D - P75D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 42,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Regular Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.005,
      "rate_pct": 0.5,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/8546b224-85ce-40b4-ba09-3390398b5c4e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/8546b224-85ce-40b4-ba09-3390398b5c4e.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.482282Z"
     },
     {
      "rank": 43,
      "brand": "Police Credit Union Ltd",
      "brand_label": "Police Credit Union",
      "brand_slug": "police-credit-union-ltd",
      "product_name": "YORKETOWN TERM DEPOSIT",
      "product_label": "Yorketown Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0005,
      "rate_pct": 0.05,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": 2500000.0,
      "tier_min": 50000.0,
      "tier_max": 2500000.0,
      "deposit_min": 50000.0,
      "deposit_max": 2500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/I76_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-credit-union-ltd/I76_TERM_DEPOSIT.json",
      "product_url": "https://www.policecu.com.au/rates/",
      "bank_last_updated": "2026-04-30T15:05:43.000+09:30"
     }
    ],
    "3": [
     {
      "rank": 1,
      "brand": "Woolworths Team Bank",
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "product_name": "7 MONTHS",
      "product_label": "7 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 0.0,
      "tier_max": 1000000.0,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Woolworths Group Limited and Endeavour Group Limited team members, Immediate family members of Woolworths Group Limited and Endeavour Group Limited team member…"
      ],
      "stacked_bonus": null,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/7Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/woolworths-team-bank/7Months.json",
      "product_url": "https://woolworthsteambank.snapforms.com.au/form/term-deposit-form",
      "bank_last_updated": "2026-09-23T14:21:03.000+10:00"
     },
     {
      "rank": 2,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 3,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 3 Months",
      "product_label": "Package TD 3 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/24",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/24.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-10-01T00:00:32.1421029Z"
     },
     {
      "rank": 4,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 3 months",
      "product_label": "Term Deposit 3 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Personal, Joint, Self Managed Super Fund (SMSF), Business & Trust."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/b7a085bb-a6cc-46a8-a052-ed6f42b1d58b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/b7a085bb-a6cc-46a8-a052-ed6f42b1d58b.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=203",
      "bank_last_updated": "2026-09-21T22:00:25.125Z"
     },
     {
      "rank": 5,
      "brand": "Qudos Bank",
      "brand_label": "Qudos Bank",
      "brand_slug": "qudos-bank",
      "product_name": "Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products/f435abef-eaed-4d9f-a535-5c2925645472",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qudos-bank/f435abef-eaed-4d9f-a535-5c2925645472.json",
      "product_url": "https://www.qudosbank.com.au/products/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T22:00:26.783Z"
     },
     {
      "rank": 6,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": 90,
      "term_days_min": 90,
      "term_days_max": 90,
      "term_raw": "P90D",
      "min_balance": 10000.0,
      "max_balance": 5000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an Australian resident for taxation purposes."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/26ab99ae-81ed-44d0-933f-b6d9f0f4b004",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/26ab99ae-81ed-44d0-933f-b6d9f0f4b004.json",
      "product_url": "https://www.ing.com.au/savings/term-deposit.html",
      "bank_last_updated": "2026-09-13T14:00:00.000Z"
     },
     {
      "rank": 7,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 8,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 100000.0,
      "tier_max": 999999.0,
      "deposit_min": 100000.0,
      "deposit_max": 999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 9,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 10,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 499999.0,
      "deposit_min": 100000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 11,
      "brand": "BOQ Specialist",
      "brand_label": "BOQ Specialist",
      "brand_slug": "boq-specialist",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": 90,
      "term_days_min": 90,
      "term_days_max": 90,
      "term_raw": "P90D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 100000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 100000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively available to medical professionals and accountants"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/78906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/boq-specialist/78906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boqspecialist.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-21T00:19:38Z"
     },
     {
      "rank": 12,
      "brand": "ME Bank - ME Go",
      "brand_label": "ME Bank",
      "brand_slug": "me-bank-me-go",
      "product_name": "ME Go Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cds.mebank.com.au/cds-au/v1/banking/products/0f039bda-f265-f011-bec3-002248106111",
      "source_snapshot": "/au/finance/term-deposits/v1/source/me-bank-me-go/0f039bda-f265-f011-bec3-002248106111.json",
      "product_url": "https://www.mebank.com.au/term-deposits/",
      "bank_last_updated": "2026-09-20T22:59:11Z"
     },
     {
      "rank": 13,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "E&P - Regular Term Deposit",
      "product_label": "E&P - Regular Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through Evans & Partners."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/1f5230e2-e251-4a80-a827-65f136e5d489",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/1f5230e2-e251-4a80-a827-65f136e5d489.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.411989Z"
     },
     {
      "rank": 14,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 15,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "NATIONAL SENIORS TERM DEPOSIT",
      "product_label": "National Seniors Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 3000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through National Seniors Australia"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6f474df2-c438-4132-939f-9730d5e45165",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/6f474df2-c438-4132-939f-9730d5e45165.json",
      "product_url": "https://nationalseniors.com.au/services/financial/termdeposit",
      "bank_last_updated": "2026-09-29T09:16:28.000+10:00"
     },
     {
      "rank": 16,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 17,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "90 Day Term Deposit",
      "product_label": "90 Day Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": 90,
      "term_days_min": 90,
      "term_days_max": 90,
      "term_raw": "P90D",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 9999999.99,
      "deposit_min": 500.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to members only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/d0e6a139-7bd9-4998-a254-77583f7017fa",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/d0e6a139-7bd9-4998-a254-77583f7017fa.json",
      "product_url": "https://form.bankfirst.com.au/account-application",
      "bank_last_updated": "2026-09-16T23:04:54.283289Z"
     },
     {
      "rank": 18,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "myBOQ Term Deposit",
      "product_label": "myBOQ Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/6db81f83-f265-f011-bec3-002248106111",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/6db81f83-f265-f011-bec3-002248106111.json",
      "product_url": "https://www.boq.com.au/personal/bank-and-save/term-deposits",
      "bank_last_updated": "2026-09-20T23:19:10Z"
     },
     {
      "rank": 19,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "12 Month Regular Income",
      "product_label": "12 Month Regular Income",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I3_TermDeposit_12mthIncome",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I3_TermDeposit_12mthIncome.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:59:19.000+10:00"
     },
     {
      "rank": 20,
      "brand": "CommFCU",
      "brand_label": "Community First Bank",
      "brand_slug": "commfcu",
      "product_name": "TERM DEPOSITS - 3 TO 5 MONTHS INTEREST ON MATURITY",
      "product_label": "Term Deposit - 3 to 5 Months Interest on Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 249999.01,
      "tier_max": 1000000.0,
      "deposit_min": 249999.01,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/I3-TD-3-5-ANL",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commfcu/I3-TD-3-5-ANL.json",
      "product_url": "https://communityfirst.com.au/products/term-deposits",
      "bank_last_updated": "2026-06-12T11:11:19.000+10:00"
     },
     {
      "rank": 21,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To open an account, you must have a valid email address and an Australian mobile number.",
       "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD01.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD01.1.json",
      "product_url": "https://apply.heartlandbank.com.au/banking/HBSelfService/servletcontroller?ProductType=CBL_DEPOSIT_TERM_MB&CustomerType=Individual",
      "bank_last_updated": "2026-09-29T06:16:43Z"
     },
     {
      "rank": 22,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Online Term Deposit",
      "product_label": "Online Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 100000.01,
      "tier_max": 250000.0,
      "deposit_min": 100000.01,
      "deposit_max": 250000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "New customers are required to open and maintain a High Interest Savings Account (HISA) which is a variable rate at-call savings account which does not charge f…",
       "loyalty bonus on rollover"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/9b82ebfd-cd77-4c6c-a8de-880fdabf0bf4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/9b82ebfd-cd77-4c6c-a8de-880fdabf0bf4.json",
      "product_url": "https://myapplication.rabobank.com.au/apply?CONT=AU&PID=TERMDEP",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 23,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 24,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Standard Rate Term Deposit 1-12 months",
      "product_label": "Standard Rate Term Deposit 1-12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1000-0500",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1000-0500.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 25,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 26,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 27,
      "brand": "QBANK",
      "brand_label": "QBank",
      "brand_slug": "qbank",
      "product_name": "Term Deposit 3 Month",
      "product_label": "Term Deposit 3 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": 250000.0,
      "tier_max": 9999999.0,
      "deposit_min": 250000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You do not have to be a member of Qbank to hold a term deposit."
      ],
      "stacked_bonus": null,
      "source_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/I13_Term_3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qbank/I13_Term_3.json",
      "product_url": "https://www.qbank.com.au/products/accounts/term-deposits",
      "bank_last_updated": "2026-08-20T19:45:40.000+10:00"
     },
     {
      "rank": 28,
      "brand": "Australian Mutual Bank LTD",
      "brand_label": "Australian Mutual Bank",
      "brand_slug": "australian-mutual-bank-ltd",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": 90,
      "term_days_max": 119,
      "term_raw": "P119D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/74073f50-1e84-11f1-b37a-325096b39f47",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-mutual-bank-ltd/74073f50-1e84-11f1-b37a-325096b39f47.json",
      "product_url": "https://australianmutual.bank/banking/term-deposits/",
      "bank_last_updated": "2026-08-26T14:27:19.000+10:00"
     },
     {
      "rank": 29,
      "brand": "Firefighters Mutual Bank",
      "brand_label": "Firefighters Mutual Bank",
      "brand_slug": "firefighters-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": 90,
      "term_days_max": 119,
      "term_raw": "P119D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/aa76cccb-0cf7-4330-8eb6-e2756aefce0e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/firefighters-mutual-bank/aa76cccb-0cf7-4330-8eb6-e2756aefce0e.json",
      "product_url": "https://www.fmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:15:19.000+10:00"
     },
     {
      "rank": 30,
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": 90,
      "term_days_max": 119,
      "term_raw": "P119D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/d45a38f4-5462-4883-8239-7eaea4e2871b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/health-professionals-bank/d45a38f4-5462-4883-8239-7eaea4e2871b.json",
      "product_url": "https://www.hpbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-14T09:14:44.000+10:00"
     },
     {
      "rank": 31,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": 61,
      "term_days_max": 92,
      "term_raw": "P92D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 32,
      "brand": "Teachers Mutual Bank",
      "brand_label": "Teachers Mutual Bank",
      "brand_slug": "teachers-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": 90,
      "term_days_max": 119,
      "term_raw": "P119D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/e556280d-1d2b-4fb1-b22f-151e8050bdda",
      "source_snapshot": "/au/finance/term-deposits/v1/source/teachers-mutual-bank/e556280d-1d2b-4fb1-b22f-151e8050bdda.json",
      "product_url": "https://www.tmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:18:27.000+10:00"
     },
     {
      "rank": 33,
      "brand": "UniBank",
      "brand_label": "UniBank",
      "brand_slug": "unibank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": 90,
      "term_days_max": 119,
      "term_raw": "P119D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unibank/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c.json",
      "product_url": "https://www.unibank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:25:09.000+10:00"
     },
     {
      "rank": 34,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 35,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 3 Months",
      "product_label": "Term Deposit - 3 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/3.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 36,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": 89,
      "term_days_max": 118,
      "term_raw": "P118D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 500000.0,
      "deposit_min": 100000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 37,
      "brand": "Coastline Bank",
      "brand_label": "Coastline Bank",
      "brand_slug": "coastline-bank",
      "product_name": "I20 Term Deposit 3 Mths",
      "product_label": "I20 Term Deposit 3 Mths",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "existing customers only",
       "new customers only",
       "Early Withdrawal: Withdrawals or transfers from the term deposit account before maturity are not permitted except in cases of hardship, for genuine needs and w…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.coastline.com.au/cds-au/v1/banking/products/6",
      "source_snapshot": "/au/finance/term-deposits/v1/source/coastline-bank/6.json",
      "product_url": "https://www.coastline.com.au/personal/fixed-term-deposits",
      "bank_last_updated": "2026-06-01T00:00:14.8436551Z"
     },
     {
      "rank": 38,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest @ Maturity",
      "product_label": "Term Investment - Interest @ Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3000",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3000.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-27T14:00:00Z"
     },
     {
      "rank": 39,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": 76,
      "term_days_max": 105,
      "term_raw": "P76D - P105D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 40,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "24 MONTHS",
      "product_label": "24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/24MTH_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/24MTH_TERM_DEPOSIT.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-07-02T11:03:33.000+10:00"
     },
     {
      "rank": 41,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "Limited Offer 3 months",
      "product_label": "Limited Offer 3 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I2_1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I2_1.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:45:48.000+10:00"
     },
     {
      "rank": 42,
      "brand": "Horizon Bank",
      "brand_label": "Horizon Bank",
      "brand_slug": "horizon-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.044,
      "rate_pct": 4.4,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/I50_I500001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/horizon-bank/I50_I500001.json",
      "product_url": "https://horizonbank.com.au/forms/savings-account-or-term-deposit-application/",
      "bank_last_updated": "2026-08-17T17:59:37.000+10:00"
     },
     {
      "rank": 43,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Term Deposit 3 months",
      "product_label": "Term Deposit 3 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0435,
      "rate_pct": 4.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/204",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/204.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 44,
      "brand": "Fire Service Credit Union",
      "brand_label": "Fire Service Credit Union",
      "brand_slug": "fire-service-credit-union",
      "product_name": "I3 FTD 3 Months",
      "product_label": "I3 FTD 3 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0435,
      "rate_pct": 4.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/12",
      "source_snapshot": "/au/finance/term-deposits/v1/source/fire-service-credit-union/12.json",
      "product_url": "https://www.fscu.com.au/accounts/term-deposits/",
      "bank_last_updated": "2026-05-20T04:00:33.3305724Z"
     },
     {
      "rank": 45,
      "brand": "Australian Military Bank",
      "brand_label": "Australian Military Bank",
      "brand_slug": "australian-military-bank",
      "product_name": "Teen Plus",
      "product_label": "Teen Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.043,
      "rate_pct": 4.3,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 500.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 18 and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4f86dc3e-4af2-40a4-adcf-210d341f538f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-military-bank/4f86dc3e-4af2-40a4-adcf-210d341f538f.json",
      "product_url": "https://www.australianmilitarybank.com.au/term-deposits",
      "bank_last_updated": "2026-08-24T23:18:21.610306Z"
     },
     {
      "rank": 46,
      "brand": "Bank of China",
      "brand_label": "Bank of China",
      "brand_slug": "bank-of-china",
      "product_name": "Term Deposit AUD 3M",
      "product_label": "Term Deposit AUD 3M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.043,
      "rate_pct": 4.3,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "Term Deposit AUD 3M, rate apply for balance 5000 AUD and 4,999,999.99",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/55090507",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-china/55090507.json",
      "product_url": "https://www.bankofchina.com/au/en/pbservice/pb1/201712/t20171214_10912803.html",
      "bank_last_updated": "2026-03-27T14:00:32.000+11:00"
     },
     {
      "rank": 47,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 3 Mth Capitalise",
      "product_label": "INV - 3 Mth Capitalise",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.043,
      "rate_pct": 4.3,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 200000.0,
      "tier_max": null,
      "deposit_min": 200000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/12",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/12.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-04-07T12:00:30.9645062Z"
     },
     {
      "rank": 48,
      "brand": "Border Bank",
      "brand_label": "Border Bank",
      "brand_slug": "border-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.043,
      "rate_pct": 4.3,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/797f3952-486a-4683-9bcc-462ad80599fd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/border-bank/797f3952-486a-4683-9bcc-462ad80599fd.json",
      "product_url": "https://www.borderbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:29.599Z"
     },
     {
      "rank": 49,
      "brand": "Police Bank",
      "brand_label": "Police Bank",
      "brand_slug": "police-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.043,
      "rate_pct": 4.3,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/934b3b27-224e-41b9-a827-2032ec619780",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-bank/934b3b27-224e-41b9-a827-2032ec619780.json",
      "product_url": "https://www.policebank.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:27.339Z"
     },
     {
      "rank": 50,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (27)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 200000.0,
      "max_balance": 500000.0,
      "tier_min": 200000.0,
      "tier_max": 500000.0,
      "deposit_min": 200000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_3M_%24200%2C000_plus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_3M__200_000_plus.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 51,
      "brand": "Police Credit Union Ltd",
      "brand_label": "Police Credit Union",
      "brand_slug": "police-credit-union-ltd",
      "product_name": "YORKETOWN TERM DEPOSIT",
      "product_label": "Yorketown Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0415,
      "rate_pct": 4.15,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": 2500000.0,
      "tier_min": 50000.0,
      "tier_max": 2500000.0,
      "deposit_min": 50000.0,
      "deposit_max": 2500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/I76_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-credit-union-ltd/I76_TERM_DEPOSIT.json",
      "product_url": "https://www.policecu.com.au/rates/",
      "bank_last_updated": "2026-04-30T15:05:43.000+09:30"
     },
     {
      "rank": 52,
      "brand": "The Capricornian",
      "brand_label": "The Capricornian",
      "brand_slug": "the-capricornian",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": 250000.0,
      "tier_min": 5000.0,
      "tier_max": 250000.0,
      "deposit_min": 5000.0,
      "deposit_max": 250000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to individuals, companies and trust for personal or business use.",
       "Is currently, or wishes to become, a shareholding member of The Capricornian Ltd."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/4ecba156-6b32-420b-8946-3f32b7a0504f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-capricornian/4ecba156-6b32-420b-8946-3f32b7a0504f.json",
      "product_url": "https://www.capricornian.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-10-02T02:31:03.752887Z"
     },
     {
      "rank": 53,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "3 Month Term Deposit",
      "product_label": "3 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/88",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/88.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/standard-term-deposit/",
      "bank_last_updated": "2026-06-11T04:00:41.6927295Z"
     },
     {
      "rank": 54,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 55,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "& Retirement Term Deposit",
      "product_label": "& Retirement Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 55 and over",
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/13",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/13.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-06-28T16:00:22.3851793Z"
     },
     {
      "rank": 56,
      "brand": "Cairns bank",
      "brand_label": "Cairns Bank",
      "brand_slug": "cairns-bank",
      "product_name": "Term deposits 24mths under $500,000",
      "product_label": "Term Deposit 24mths Under $500,000",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/I1_24M_UNDER_500K",
      "source_snapshot": "/au/finance/term-deposits/v1/source/cairns-bank/I1_24M_UNDER_500K.json",
      "product_url": "https://cairnsbank.com.au/banking/personal-banking/term-deposit-account",
      "bank_last_updated": "2026-06-29T09:28:13.000+10:00"
     },
     {
      "rank": 57,
      "brand": "Geelong Bank",
      "brand_label": "Geelong Bank",
      "brand_slug": "geelong-bank",
      "product_name": "Three Month Term Deposit",
      "product_label": "Three Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.geelongbank.com.au/OpenBanking/cds-au/v1/banking/products/I3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/geelong-bank/I3.json",
      "product_url": "https://geelongbank.com.au/tools/forms/",
      "bank_last_updated": "2026-05-25T10:11:14.000+10:00"
     },
     {
      "rank": 58,
      "brand": "Hume Bank",
      "brand_label": "Hume Bank",
      "brand_slug": "hume-bank",
      "product_name": "Term Deposit Online 3M (Interest at Maturity)",
      "product_label": "Term Deposit Online 3M (Interest at Maturity)",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "personal eligibility inferred: the bank's feed tags every term deposit business-only"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/3M_Online",
      "source_snapshot": "/au/finance/term-deposits/v1/source/hume-bank/3M_Online.json",
      "product_url": "https://www.humebank.com.au/savings/term-deposits/",
      "bank_last_updated": "2026-09-17T20:46:56.000+10:00"
     },
     {
      "rank": 59,
      "brand": "Queensland Country Bank",
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "product_name": "FTD - Interest at Maturity",
      "product_label": "FTD - Interest at Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/40",
      "source_snapshot": "/au/finance/term-deposits/v1/source/queensland-country-bank/40.json",
      "product_url": "https://www.queenslandcountry.bank/banking/savings-accounts/term-deposits/",
      "bank_last_updated": "2026-10-02T14:00:24.0731915Z"
     },
     {
      "rank": 60,
      "brand": "gmcu",
      "brand_label": "GMCU",
      "brand_slug": "gmcu",
      "product_name": "Fixed Term Deposit - 3 to 5 months",
      "product_label": "Fixed Term Deposit - 3 to 5 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 100.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 3000000.0,
      "deposit_min": 4999.01,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must become a member. Visit our website for more details."
      ],
      "stacked_bonus": null,
      "source_url": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit_-_3_to_5_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gmcu/Term_Deposit_-_3_to_5_months.json",
      "product_url": "https://www.gmcu.com.au/banking/term-deposits/view-all-term-deposits/",
      "bank_last_updated": "2026-04-09T14:18:40.000+10:00"
     },
     {
      "rank": 61,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 62,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 1000000.0,
      "deposit_min": 100000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 63,
      "brand": "The Mac",
      "brand_label": "The Mac",
      "brand_slug": "the-mac",
      "product_name": "TERM SAVINGS I4",
      "product_label": "Term Savings I4",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/I4_TERMDEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-mac/I4_TERMDEPOSIT.json",
      "product_url": "https://themaccu.com.au/solutions/everyday-banking-investments/all-everyday-banking-investments/",
      "bank_last_updated": "2026-08-24T08:38:40.000+10:00"
     },
     {
      "rank": 64,
      "brand": "Laboratories Credit Union",
      "brand_label": "Laboratories Credit Union",
      "brand_slug": "laboratories-credit-union",
      "product_name": "Monthly Interest 12 Month Term Deposit",
      "product_label": "Monthly Interest 12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "monthly",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…",
       "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…"
      ],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/laboratories-credit-union/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS.json",
      "product_url": "https://join.lcu.com.au/getting-started",
      "bank_last_updated": "2026-10-02T14:13:39.000+10:00"
     },
     {
      "rank": 65,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 66,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 67,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": 90,
      "term_days_min": 90,
      "term_days_max": 90,
      "term_raw": "P90D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 68,
      "brand": "SWSbank",
      "brand_label": "SWS Bank",
      "brand_slug": "swsbank",
      "product_name": "3 Month Term Deposit",
      "product_label": "3 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 9999999.0,
      "deposit_min": 50000.0,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/I3_TD_3Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/swsbank/I3_TD_3Months.json",
      "product_url": "https://swscu.apply-online.com.au/#/3e8f1c2b-4724-4a65-b5d0-2d7eaf64b99b",
      "bank_last_updated": "2026-05-11T16:49:14.000+10:00"
     },
     {
      "rank": 69,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "3M TO LESS THAN 6M",
      "product_label": "3M to Less Than 6M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/3M_TO_LESS_THAN_6M",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/3M_TO_LESS_THAN_6M.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/term-deposits/",
      "bank_last_updated": "2026-08-04T09:47:40.000+10:00"
     },
     {
      "rank": 70,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 71,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 72,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 73,
      "brand": "Broken Hill Bank",
      "brand_label": "Broken Hill Bank",
      "brand_slug": "broken-hill-bank",
      "product_name": "FTD - 2 to 5 Months",
      "product_label": "FTD - 2 to 5 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 499999.99,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/8",
      "source_snapshot": "/au/finance/term-deposits/v1/source/broken-hill-bank/8.json",
      "product_url": "https://brokenhill.bank/open-an-account",
      "bank_last_updated": "2026-06-11T02:00:18.8259621Z"
     },
     {
      "rank": 74,
      "brand": "Central Murray Bank",
      "brand_label": "Central Murray Bank",
      "brand_slug": "central-murray-bank",
      "product_name": "TERM DEPOSIT 3 MONTHS",
      "product_label": "Term Deposit 3 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 3500000.0,
      "deposit_min": 50000.0,
      "deposit_max": 3500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/I1_3month",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-murray-bank/I1_3month.json",
      "product_url": "https://www.centralmurray.bank/invest/",
      "bank_last_updated": "2026-05-20T14:02:39.000+10:00"
     },
     {
      "rank": 75,
      "brand": "Central West CUL",
      "brand_label": "Central West Credit Union",
      "brand_slug": "central-west-cul",
      "product_name": "$5000+ (3m to <6m) I6",
      "product_label": "$5000+ (3m to <6m) I6",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 90,
      "term_days_max": 179,
      "term_raw": "P179D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1000000.0,
      "deposit_min": 50000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/I6_Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-west-cul/I6_Fixed_Term_Deposit.json",
      "product_url": "https://www.cwcu.com.au/savings/fixed-term-deposits",
      "bank_last_updated": "2026-04-30T16:39:16.000+10:00"
     },
     {
      "rank": 76,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 77,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     },
     {
      "rank": 78,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Bendigo Cash Solutions Term Deposit",
      "product_label": "Cash Solutions Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.028,
      "rate_pct": 2.8,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/b85e1a64-ee7f-475d-b2dd-c0de7b5504b7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/b85e1a64-ee7f-475d-b2dd-c0de7b5504b7.json",
      "product_url": null,
      "bank_last_updated": "2026-07-24T01:18:35.447Z"
     }
    ],
    "4": [
     {
      "rank": 1,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": 93,
      "term_days_max": 122,
      "term_raw": "P122D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 2,
      "brand": "Woolworths Team Bank",
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "product_name": "7 MONTHS",
      "product_label": "7 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 0.0,
      "tier_max": 1000000.0,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Woolworths Group Limited and Endeavour Group Limited team members, Immediate family members of Woolworths Group Limited and Endeavour Group Limited team member…"
      ],
      "stacked_bonus": null,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/7Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/woolworths-team-bank/7Months.json",
      "product_url": "https://woolworthsteambank.snapforms.com.au/form/term-deposit-form",
      "bank_last_updated": "2026-09-23T14:21:03.000+10:00"
     },
     {
      "rank": 3,
      "brand": "Border Bank",
      "brand_label": "Border Bank",
      "brand_slug": "border-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/797f3952-486a-4683-9bcc-462ad80599fd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/border-bank/797f3952-486a-4683-9bcc-462ad80599fd.json",
      "product_url": "https://www.borderbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:29.599Z"
     },
     {
      "rank": 4,
      "brand": "Police Bank",
      "brand_label": "Police Bank",
      "brand_slug": "police-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/934b3b27-224e-41b9-a827-2032ec619780",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-bank/934b3b27-224e-41b9-a827-2032ec619780.json",
      "product_url": "https://www.policebank.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:27.339Z"
     },
     {
      "rank": 5,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "120 Day Term Deposit",
      "product_label": "120 Day Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": 120,
      "term_days_min": 120,
      "term_days_max": 120,
      "term_raw": "P120D",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 9999999.99,
      "deposit_min": 500.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to members only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/27e18b2e-2328-41b1-99bf-46d42bbec54d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/27e18b2e-2328-41b1-99bf-46d42bbec54d.json",
      "product_url": "https://form.bankfirst.com.au/account-application",
      "bank_last_updated": "2026-09-16T23:04:15.135066Z"
     },
     {
      "rank": 6,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     },
     {
      "rank": 7,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Term Deposit 4 month",
      "product_label": "Term Deposit 4 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/284",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/284.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-05-20T00:00:00.000+10:00"
     },
     {
      "rank": 8,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 9,
      "brand": "BOQ Specialist",
      "brand_label": "BOQ Specialist",
      "brand_slug": "boq-specialist",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": 120,
      "term_days_min": 120,
      "term_days_max": 120,
      "term_raw": "P120D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 100000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 100000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively available to medical professionals and accountants"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/78906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/boq-specialist/78906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boqspecialist.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-21T00:19:38Z"
     },
     {
      "rank": 10,
      "brand": "ME Bank - ME Go",
      "brand_label": "ME Bank",
      "brand_slug": "me-bank-me-go",
      "product_name": "ME Go Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cds.mebank.com.au/cds-au/v1/banking/products/0f039bda-f265-f011-bec3-002248106111",
      "source_snapshot": "/au/finance/term-deposits/v1/source/me-bank-me-go/0f039bda-f265-f011-bec3-002248106111.json",
      "product_url": "https://www.mebank.com.au/term-deposits/",
      "bank_last_updated": "2026-09-20T22:59:11Z"
     },
     {
      "rank": 11,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 12,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "myBOQ Term Deposit",
      "product_label": "myBOQ Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/6db81f83-f265-f011-bec3-002248106111",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/6db81f83-f265-f011-bec3-002248106111.json",
      "product_url": "https://www.boq.com.au/personal/bank-and-save/term-deposits",
      "bank_last_updated": "2026-09-20T23:19:10Z"
     },
     {
      "rank": 13,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": 120,
      "term_days_min": 120,
      "term_days_max": 120,
      "term_raw": "P120D",
      "min_balance": 10000.0,
      "max_balance": 5000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an Australian resident for taxation purposes."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/26ab99ae-81ed-44d0-933f-b6d9f0f4b004",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/26ab99ae-81ed-44d0-933f-b6d9f0f4b004.json",
      "product_url": "https://www.ing.com.au/savings/term-deposit.html",
      "bank_last_updated": "2026-09-13T14:00:00.000Z"
     },
     {
      "rank": 14,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "12 Month Regular Income",
      "product_label": "12 Month Regular Income",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I3_TermDeposit_12mthIncome",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I3_TermDeposit_12mthIncome.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:59:19.000+10:00"
     },
     {
      "rank": 15,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "NATIONAL SENIORS TERM DEPOSIT",
      "product_label": "National Seniors Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 3000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through National Seniors Australia"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6f474df2-c438-4132-939f-9730d5e45165",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/6f474df2-c438-4132-939f-9730d5e45165.json",
      "product_url": "https://nationalseniors.com.au/services/financial/termdeposit",
      "bank_last_updated": "2026-09-29T09:16:28.000+10:00"
     },
     {
      "rank": 16,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 17,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Regular Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/8546b224-85ce-40b4-ba09-3390398b5c4e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/8546b224-85ce-40b4-ba09-3390398b5c4e.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.482282Z"
     },
     {
      "rank": 18,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 19,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 20,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": 119,
      "term_days_max": 148,
      "term_raw": "P148D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 500000.0,
      "deposit_min": 100000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 21,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 22,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 1000000.0,
      "deposit_min": 100000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 23,
      "brand": "Horizon Bank",
      "brand_label": "Horizon Bank",
      "brand_slug": "horizon-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.046,
      "rate_pct": 4.6,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/I50_I500001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/horizon-bank/I50_I500001.json",
      "product_url": "https://horizonbank.com.au/forms/savings-account-or-term-deposit-application/",
      "bank_last_updated": "2026-08-17T17:59:37.000+10:00"
     },
     {
      "rank": 24,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "4 Month Term Deposit",
      "product_label": "4 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0455,
      "rate_pct": 4.55,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/100",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/100.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/standard-term-deposit/",
      "bank_last_updated": "2026-06-11T04:00:41.6927295Z"
     },
     {
      "rank": 25,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 4 Months",
      "product_label": "Term Deposit - 4 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/4.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 26,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "24 MONTHS",
      "product_label": "24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/24MTH_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/24MTH_TERM_DEPOSIT.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-07-02T11:03:33.000+10:00"
     },
     {
      "rank": 27,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 28,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Standard Rate Term Deposit 1-12 months",
      "product_label": "Standard Rate Term Deposit 1-12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.044,
      "rate_pct": 4.4,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1000-0500",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1000-0500.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 29,
      "brand": "Australian Military Bank",
      "brand_label": "Australian Military Bank",
      "brand_slug": "australian-military-bank",
      "product_name": "Teen Plus",
      "product_label": "Teen Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.043,
      "rate_pct": 4.3,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 500.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 18 and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4f86dc3e-4af2-40a4-adcf-210d341f538f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-military-bank/4f86dc3e-4af2-40a4-adcf-210d341f538f.json",
      "product_url": "https://www.australianmilitarybank.com.au/term-deposits",
      "bank_last_updated": "2026-08-24T23:18:21.610306Z"
     },
     {
      "rank": 30,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "4 Month Term Deposit",
      "product_label": "4 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.043,
      "rate_pct": 4.3,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/24",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/24.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-06-28T16:00:22.3851793Z"
     },
     {
      "rank": 31,
      "brand": "Australian Mutual Bank LTD",
      "brand_label": "Australian Mutual Bank",
      "brand_slug": "australian-mutual-bank-ltd",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": 120,
      "term_days_max": 149,
      "term_raw": "P149D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/74073f50-1e84-11f1-b37a-325096b39f47",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-mutual-bank-ltd/74073f50-1e84-11f1-b37a-325096b39f47.json",
      "product_url": "https://australianmutual.bank/banking/term-deposits/",
      "bank_last_updated": "2026-08-26T14:27:19.000+10:00"
     },
     {
      "rank": 32,
      "brand": "Firefighters Mutual Bank",
      "brand_label": "Firefighters Mutual Bank",
      "brand_slug": "firefighters-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": 120,
      "term_days_max": 149,
      "term_raw": "P149D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/aa76cccb-0cf7-4330-8eb6-e2756aefce0e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/firefighters-mutual-bank/aa76cccb-0cf7-4330-8eb6-e2756aefce0e.json",
      "product_url": "https://www.fmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:15:19.000+10:00"
     },
     {
      "rank": 33,
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": 120,
      "term_days_max": 149,
      "term_raw": "P149D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/d45a38f4-5462-4883-8239-7eaea4e2871b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/health-professionals-bank/d45a38f4-5462-4883-8239-7eaea4e2871b.json",
      "product_url": "https://www.hpbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-14T09:14:44.000+10:00"
     },
     {
      "rank": 34,
      "brand": "Teachers Mutual Bank",
      "brand_label": "Teachers Mutual Bank",
      "brand_slug": "teachers-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": 120,
      "term_days_max": 149,
      "term_raw": "P149D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/e556280d-1d2b-4fb1-b22f-151e8050bdda",
      "source_snapshot": "/au/finance/term-deposits/v1/source/teachers-mutual-bank/e556280d-1d2b-4fb1-b22f-151e8050bdda.json",
      "product_url": "https://www.tmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:18:27.000+10:00"
     },
     {
      "rank": 35,
      "brand": "UniBank",
      "brand_label": "UniBank",
      "brand_slug": "unibank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": 120,
      "term_days_max": 149,
      "term_raw": "P149D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unibank/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c.json",
      "product_url": "https://www.unibank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:25:09.000+10:00"
     },
     {
      "rank": 36,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 37,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 100000.0,
      "tier_max": 999999.0,
      "deposit_min": 100000.0,
      "deposit_max": 999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 38,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.039,
      "rate_pct": 3.9,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 39,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 499999.0,
      "deposit_min": 100000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 40,
      "brand": "Cairns bank",
      "brand_label": "Cairns Bank",
      "brand_slug": "cairns-bank",
      "product_name": "Term deposits 24mths under $500,000",
      "product_label": "Term Deposit 24mths Under $500,000",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/I1_24M_UNDER_500K",
      "source_snapshot": "/au/finance/term-deposits/v1/source/cairns-bank/I1_24M_UNDER_500K.json",
      "product_url": "https://cairnsbank.com.au/banking/personal-banking/term-deposit-account",
      "bank_last_updated": "2026-06-29T09:28:13.000+10:00"
     },
     {
      "rank": 41,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest @ Maturity",
      "product_label": "Term Investment - Interest @ Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3000",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3000.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-27T14:00:00Z"
     },
     {
      "rank": 42,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": 106,
      "term_days_max": 135,
      "term_raw": "P106D - P135D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 43,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 5000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/bd41ed42-262c-4445-a7f6-f3b61314ec0c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/bd41ed42-262c-4445-a7f6-f3b61314ec0c.json",
      "product_url": "https://www.bendigobank.com.au/personal/term-deposits/term-deposit-enquiry/",
      "bank_last_updated": "2026-09-24T14:32:23.011Z"
     },
     {
      "rank": 44,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (31)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 200000.0,
      "max_balance": 500000.0,
      "tier_min": 200000.0,
      "tier_max": 500000.0,
      "deposit_min": 200000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_4M_%24200%2C000_plus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_4M__200_000_plus.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 45,
      "brand": "Queensland Country Bank",
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "product_name": "FTD - Interest at Maturity",
      "product_label": "FTD - Interest at Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/40",
      "source_snapshot": "/au/finance/term-deposits/v1/source/queensland-country-bank/40.json",
      "product_url": "https://www.queenslandcountry.bank/banking/savings-accounts/term-deposits/",
      "bank_last_updated": "2026-10-02T14:00:24.0731915Z"
     },
     {
      "rank": 46,
      "brand": "gmcu",
      "brand_label": "GMCU",
      "brand_slug": "gmcu",
      "product_name": "Fixed Term Deposit - 3 to 5 months",
      "product_label": "Fixed Term Deposit - 3 to 5 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 100.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 3000000.0,
      "deposit_min": 4999.01,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must become a member. Visit our website for more details."
      ],
      "stacked_bonus": null,
      "source_url": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit_-_3_to_5_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gmcu/Term_Deposit_-_3_to_5_months.json",
      "product_url": "https://www.gmcu.com.au/banking/term-deposits/view-all-term-deposits/",
      "bank_last_updated": "2026-04-09T14:18:40.000+10:00"
     },
     {
      "rank": 47,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 48,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 49,
      "brand": "Laboratories Credit Union",
      "brand_label": "Laboratories Credit Union",
      "brand_slug": "laboratories-credit-union",
      "product_name": "Monthly Interest 12 Month Term Deposit",
      "product_label": "Monthly Interest 12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "monthly",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…",
       "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…"
      ],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/laboratories-credit-union/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS.json",
      "product_url": "https://join.lcu.com.au/getting-started",
      "bank_last_updated": "2026-10-02T14:13:39.000+10:00"
     },
     {
      "rank": 50,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 51,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 52,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 53,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 54,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 55,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 56,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "3M TO LESS THAN 6M",
      "product_label": "3M to Less Than 6M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/3M_TO_LESS_THAN_6M",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/3M_TO_LESS_THAN_6M.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/term-deposits/",
      "bank_last_updated": "2026-08-04T09:47:40.000+10:00"
     },
     {
      "rank": 57,
      "brand": "Broken Hill Bank",
      "brand_label": "Broken Hill Bank",
      "brand_slug": "broken-hill-bank",
      "product_name": "FTD - 2 to 5 Months",
      "product_label": "FTD - 2 to 5 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 499999.99,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/8",
      "source_snapshot": "/au/finance/term-deposits/v1/source/broken-hill-bank/8.json",
      "product_url": "https://brokenhill.bank/open-an-account",
      "bank_last_updated": "2026-06-11T02:00:18.8259621Z"
     },
     {
      "rank": 58,
      "brand": "Central Murray Bank",
      "brand_label": "Central Murray Bank",
      "brand_slug": "central-murray-bank",
      "product_name": "TERM DEPOSIT 4 MONTHS",
      "product_label": "Term Deposit 4 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 3500000.0,
      "deposit_min": 50000.0,
      "deposit_max": 3500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/I8_4month",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-murray-bank/I8_4month.json",
      "product_url": "https://www.centralmurray.bank/invest/term-deposits/",
      "bank_last_updated": "2026-05-20T14:02:39.000+10:00"
     },
     {
      "rank": 59,
      "brand": "Central West CUL",
      "brand_label": "Central West Credit Union",
      "brand_slug": "central-west-cul",
      "product_name": "$5000+ (3m to <6m) I6",
      "product_label": "$5000+ (3m to <6m) I6",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 90,
      "term_days_max": 179,
      "term_raw": "P179D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1000000.0,
      "deposit_min": 50000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/I6_Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-west-cul/I6_Fixed_Term_Deposit.json",
      "product_url": "https://www.cwcu.com.au/savings/fixed-term-deposits",
      "bank_last_updated": "2026-04-30T16:39:16.000+10:00"
     },
     {
      "rank": 60,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "3-5 months >$25K",
      "product_label": "3-5 Months >$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.027,
      "rate_pct": 2.7,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 25000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_2",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_2.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 61,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.015,
      "rate_pct": 1.5,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M/P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 62,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 4 Months",
      "product_label": "Package TD 4 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.008,
      "rate_pct": 0.8,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/25",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/25.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     },
     {
      "rank": 63,
      "brand": "Bank of China",
      "brand_label": "Bank of China",
      "brand_slug": "bank-of-china",
      "product_name": "Term Deposit AUD 4M",
      "product_label": "Term Deposit AUD 4M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.005,
      "rate_pct": 0.5,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "Term Deposit AUD 4M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/55090851",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-china/55090851.json",
      "product_url": "https://www.bankofchina.com/au/en/pbservice/pb1/201712/t20171214_10912803.html",
      "bank_last_updated": "2026-03-10T17:00:00.000+11:00"
     },
     {
      "rank": 64,
      "brand": "The Mac",
      "brand_label": "The Mac",
      "brand_slug": "the-mac",
      "product_name": "TERM SAVINGS I4",
      "product_label": "Term Savings I4",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0,
      "rate_pct": 0.0,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 1000000.0,
      "deposit_min": 100000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/I4_TERMDEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-mac/I4_TERMDEPOSIT.json",
      "product_url": "https://themaccu.com.au/solutions/everyday-banking-investments/all-everyday-banking-investments/",
      "bank_last_updated": "2026-08-24T08:38:40.000+10:00"
     }
    ],
    "5": [
     {
      "rank": 1,
      "brand": "Woolworths Team Bank",
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "product_name": "7 MONTHS",
      "product_label": "7 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 0.0,
      "tier_max": 1000000.0,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Woolworths Group Limited and Endeavour Group Limited team members, Immediate family members of Woolworths Group Limited and Endeavour Group Limited team member…"
      ],
      "stacked_bonus": null,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/7Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/woolworths-team-bank/7Months.json",
      "product_url": "https://woolworthsteambank.snapforms.com.au/form/term-deposit-form",
      "bank_last_updated": "2026-09-23T14:21:03.000+10:00"
     },
     {
      "rank": 2,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 3,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 499999.0,
      "deposit_min": 100000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 4,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "Term Deposit 5 Months",
      "product_label": "Term Deposit 5 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I20_Term_Deposit_5_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I20_Term_Deposit_5_months.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:55:48.000+10:00"
     },
     {
      "rank": 5,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 6,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "5 Month Term Deposit",
      "product_label": "5 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/25",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/25.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-08-24T00:00:23.3443857Z"
     },
     {
      "rank": 7,
      "brand": "Queensland Country Bank",
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "product_name": "Special 5 month",
      "product_label": "Special 5 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/75",
      "source_snapshot": "/au/finance/term-deposits/v1/source/queensland-country-bank/75.json",
      "product_url": "https://www.queenslandcountry.bank/banking/savings-accounts/term-deposits/",
      "bank_last_updated": "2026-10-02T14:00:24.0731915Z"
     },
     {
      "rank": 8,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "NATIONAL SENIORS TERM DEPOSIT",
      "product_label": "National Seniors Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 3000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through National Seniors Australia"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6f474df2-c438-4132-939f-9730d5e45165",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/6f474df2-c438-4132-939f-9730d5e45165.json",
      "product_url": "https://nationalseniors.com.au/services/financial/termdeposit",
      "bank_last_updated": "2026-09-29T09:16:28.000+10:00"
     },
     {
      "rank": 9,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 10,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 123,
      "term_days_max": 153,
      "term_raw": "P153D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 11,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Regular Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/8546b224-85ce-40b4-ba09-3390398b5c4e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/8546b224-85ce-40b4-ba09-3390398b5c4e.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.482282Z"
     },
     {
      "rank": 12,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "5 Month Term Deposit",
      "product_label": "5 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/101",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/101.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/standard-term-deposit/",
      "bank_last_updated": "2026-08-24T00:00:53.9498705Z"
     },
     {
      "rank": 13,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 149,
      "term_days_max": 178,
      "term_raw": "P178D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 500000.0,
      "deposit_min": 100000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 14,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Term Deposit 5 month",
      "product_label": "Term Deposit 5 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/285",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/285.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 15,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 16,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 1000000.0,
      "deposit_min": 100000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 17,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Standard Rate Term Deposit 1-12 months",
      "product_label": "Standard Rate Term Deposit 1-12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0455,
      "rate_pct": 4.55,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1000-0500",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1000-0500.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 18,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 5 Months",
      "product_label": "Term Deposit - 5 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/5.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 19,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "24 MONTHS",
      "product_label": "24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/24MTH_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/24MTH_TERM_DEPOSIT.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-07-02T11:03:33.000+10:00"
     },
     {
      "rank": 20,
      "brand": "Australian Military Bank",
      "brand_label": "Australian Military Bank",
      "brand_slug": "australian-military-bank",
      "product_name": "Teen Plus",
      "product_label": "Teen Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.043,
      "rate_pct": 4.3,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 500.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 18 and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4f86dc3e-4af2-40a4-adcf-210d341f538f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-military-bank/4f86dc3e-4af2-40a4-adcf-210d341f538f.json",
      "product_url": "https://www.australianmilitarybank.com.au/term-deposits",
      "bank_last_updated": "2026-08-24T23:18:21.610306Z"
     },
     {
      "rank": 21,
      "brand": "Border Bank",
      "brand_label": "Border Bank",
      "brand_slug": "border-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.043,
      "rate_pct": 4.3,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/797f3952-486a-4683-9bcc-462ad80599fd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/border-bank/797f3952-486a-4683-9bcc-462ad80599fd.json",
      "product_url": "https://www.borderbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:29.599Z"
     },
     {
      "rank": 22,
      "brand": "Police Bank",
      "brand_label": "Police Bank",
      "brand_slug": "police-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.043,
      "rate_pct": 4.3,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/934b3b27-224e-41b9-a827-2032ec619780",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-bank/934b3b27-224e-41b9-a827-2032ec619780.json",
      "product_url": "https://www.policebank.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:27.339Z"
     },
     {
      "rank": 23,
      "brand": "Australian Mutual Bank LTD",
      "brand_label": "Australian Mutual Bank",
      "brand_slug": "australian-mutual-bank-ltd",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 150,
      "term_days_max": 179,
      "term_raw": "P179D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/74073f50-1e84-11f1-b37a-325096b39f47",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-mutual-bank-ltd/74073f50-1e84-11f1-b37a-325096b39f47.json",
      "product_url": "https://australianmutual.bank/banking/term-deposits/",
      "bank_last_updated": "2026-08-26T14:27:19.000+10:00"
     },
     {
      "rank": 24,
      "brand": "Firefighters Mutual Bank",
      "brand_label": "Firefighters Mutual Bank",
      "brand_slug": "firefighters-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 150,
      "term_days_max": 179,
      "term_raw": "P179D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/aa76cccb-0cf7-4330-8eb6-e2756aefce0e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/firefighters-mutual-bank/aa76cccb-0cf7-4330-8eb6-e2756aefce0e.json",
      "product_url": "https://www.fmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:15:19.000+10:00"
     },
     {
      "rank": 25,
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 150,
      "term_days_max": 179,
      "term_raw": "P179D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/d45a38f4-5462-4883-8239-7eaea4e2871b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/health-professionals-bank/d45a38f4-5462-4883-8239-7eaea4e2871b.json",
      "product_url": "https://www.hpbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-14T09:14:44.000+10:00"
     },
     {
      "rank": 26,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 27,
      "brand": "Teachers Mutual Bank",
      "brand_label": "Teachers Mutual Bank",
      "brand_slug": "teachers-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 150,
      "term_days_max": 179,
      "term_raw": "P179D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/e556280d-1d2b-4fb1-b22f-151e8050bdda",
      "source_snapshot": "/au/finance/term-deposits/v1/source/teachers-mutual-bank/e556280d-1d2b-4fb1-b22f-151e8050bdda.json",
      "product_url": "https://www.tmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:18:27.000+10:00"
     },
     {
      "rank": 28,
      "brand": "UniBank",
      "brand_label": "UniBank",
      "brand_slug": "unibank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 150,
      "term_days_max": 179,
      "term_raw": "P179D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unibank/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c.json",
      "product_url": "https://www.unibank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:25:09.000+10:00"
     },
     {
      "rank": 29,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 30,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 31,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.039,
      "rate_pct": 3.9,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 32,
      "brand": "Cairns bank",
      "brand_label": "Cairns Bank",
      "brand_slug": "cairns-bank",
      "product_name": "Term deposits 24mths under $500,000",
      "product_label": "Term Deposit 24mths Under $500,000",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/I1_24M_UNDER_500K",
      "source_snapshot": "/au/finance/term-deposits/v1/source/cairns-bank/I1_24M_UNDER_500K.json",
      "product_url": "https://cairnsbank.com.au/banking/personal-banking/term-deposit-account",
      "bank_last_updated": "2026-06-29T09:28:13.000+10:00"
     },
     {
      "rank": 33,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest @ Maturity",
      "product_label": "Term Investment - Interest @ Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3000",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3000.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-27T14:00:00Z"
     },
     {
      "rank": 34,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 136,
      "term_days_max": 165,
      "term_raw": "P136D - P165D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 35,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 100000.0,
      "tier_max": 999999.0,
      "deposit_min": 100000.0,
      "deposit_max": 999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 36,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (35)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 200000.0,
      "max_balance": 500000.0,
      "tier_min": 200000.0,
      "tier_max": 500000.0,
      "deposit_min": 200000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_5M_%24200%2C000_plus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_5M__200_000_plus.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 37,
      "brand": "gmcu",
      "brand_label": "GMCU",
      "brand_slug": "gmcu",
      "product_name": "Fixed Term Deposit - 3 to 5 months",
      "product_label": "Fixed Term Deposit - 3 to 5 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 100.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 3000000.0,
      "deposit_min": 4999.01,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must become a member. Visit our website for more details."
      ],
      "stacked_bonus": null,
      "source_url": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit_-_3_to_5_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gmcu/Term_Deposit_-_3_to_5_months.json",
      "product_url": "https://www.gmcu.com.au/banking/term-deposits/view-all-term-deposits/",
      "bank_last_updated": "2026-04-09T14:18:40.000+10:00"
     },
     {
      "rank": 38,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 39,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 40,
      "brand": "Laboratories Credit Union",
      "brand_label": "Laboratories Credit Union",
      "brand_slug": "laboratories-credit-union",
      "product_name": "Monthly Interest 12 Month Term Deposit",
      "product_label": "Monthly Interest 12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "monthly",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…",
       "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…"
      ],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/laboratories-credit-union/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS.json",
      "product_url": "https://join.lcu.com.au/getting-started",
      "bank_last_updated": "2026-10-02T14:13:39.000+10:00"
     },
     {
      "rank": 41,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0345,
      "rate_pct": 3.45,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 42,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0345,
      "rate_pct": 3.45,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 43,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0345,
      "rate_pct": 3.45,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 44,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0345,
      "rate_pct": 3.45,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 45,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0345,
      "rate_pct": 3.45,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 46,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 47,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "3M TO LESS THAN 6M",
      "product_label": "3M to Less Than 6M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/3M_TO_LESS_THAN_6M",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/3M_TO_LESS_THAN_6M.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/term-deposits/",
      "bank_last_updated": "2026-08-04T09:47:40.000+10:00"
     },
     {
      "rank": 48,
      "brand": "Broken Hill Bank",
      "brand_label": "Broken Hill Bank",
      "brand_slug": "broken-hill-bank",
      "product_name": "FTD - 2 to 5 Months",
      "product_label": "FTD - 2 to 5 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 499999.99,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/8",
      "source_snapshot": "/au/finance/term-deposits/v1/source/broken-hill-bank/8.json",
      "product_url": "https://brokenhill.bank/open-an-account",
      "bank_last_updated": "2026-06-11T02:00:18.8259621Z"
     },
     {
      "rank": 49,
      "brand": "Central West CUL",
      "brand_label": "Central West Credit Union",
      "brand_slug": "central-west-cul",
      "product_name": "$5000+ (3m to <6m) I6",
      "product_label": "$5000+ (3m to <6m) I6",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 90,
      "term_days_max": 179,
      "term_raw": "P179D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1000000.0,
      "deposit_min": 50000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/I6_Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-west-cul/I6_Fixed_Term_Deposit.json",
      "product_url": "https://www.cwcu.com.au/savings/fixed-term-deposits",
      "bank_last_updated": "2026-04-30T16:39:16.000+10:00"
     },
     {
      "rank": 50,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     },
     {
      "rank": 51,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.029,
      "rate_pct": 2.9,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 5000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/bd41ed42-262c-4445-a7f6-f3b61314ec0c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/bd41ed42-262c-4445-a7f6-f3b61314ec0c.json",
      "product_url": "https://www.bendigobank.com.au/personal/term-deposits/term-deposit-enquiry/",
      "bank_last_updated": "2026-09-24T14:32:23.011Z"
     },
     {
      "rank": 52,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "3-5 months >$25K",
      "product_label": "3-5 Months >$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.027,
      "rate_pct": 2.7,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 25000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_2",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_2.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 53,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.015,
      "rate_pct": 1.5,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M/P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 54,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 5 Months",
      "product_label": "Package TD 5 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.008,
      "rate_pct": 0.8,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/26",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/26.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     },
     {
      "rank": 55,
      "brand": "The Mac",
      "brand_label": "The Mac",
      "brand_slug": "the-mac",
      "product_name": "TERM SAVINGS I4",
      "product_label": "Term Savings I4",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0,
      "rate_pct": 0.0,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 1000000.0,
      "deposit_min": 100000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/I4_TERMDEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-mac/I4_TERMDEPOSIT.json",
      "product_url": "https://themaccu.com.au/solutions/everyday-banking-investments/all-everyday-banking-investments/",
      "bank_last_updated": "2026-08-24T08:38:40.000+10:00"
     }
    ],
    "6": [
     {
      "rank": 1,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 6 Months",
      "product_label": "Package TD 6 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/27",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/27.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-09-09T02:00:32.1081640Z"
     },
     {
      "rank": 2,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To open an account, you must have a valid email address and an Australian mobile number.",
       "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD01.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD01.1.json",
      "product_url": "https://apply.heartlandbank.com.au/banking/HBSelfService/servletcontroller?ProductType=CBL_DEPOSIT_TERM_MB&CustomerType=Individual",
      "bank_last_updated": "2026-09-29T06:16:43Z"
     },
     {
      "rank": 3,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 4,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 5,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Impact Term Deposit 6 months",
      "product_label": "Impact Term Deposit 6 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/ad7a95c3-cdf1-4869-9d1e-6cc956b3ed75",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/ad7a95c3-cdf1-4869-9d1e-6cc956b3ed75.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=217",
      "bank_last_updated": "2026-08-31T22:00:26.705Z"
     },
     {
      "rank": 6,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "180 Day Term Deposit",
      "product_label": "180 Day Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": 180,
      "term_days_min": 180,
      "term_days_max": 180,
      "term_raw": "P180D",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 9999999.99,
      "deposit_min": 500.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to members only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/d48b0450-fa9e-4c36-9277-04b37e76ae75",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/d48b0450-fa9e-4c36-9277-04b37e76ae75.json",
      "product_url": "https://form.bankfirst.com.au/account-application",
      "bank_last_updated": "2026-09-16T23:04:21.814888Z"
     },
     {
      "rank": 7,
      "brand": "Qudos Bank",
      "brand_label": "Qudos Bank",
      "brand_slug": "qudos-bank",
      "product_name": "Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products/f435abef-eaed-4d9f-a535-5c2925645472",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qudos-bank/f435abef-eaed-4d9f-a535-5c2925645472.json",
      "product_url": "https://www.qudosbank.com.au/products/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T22:00:26.783Z"
     },
     {
      "rank": 8,
      "brand": "Woolworths Team Bank",
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "product_name": "7 MONTHS",
      "product_label": "7 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 0.0,
      "tier_max": 1000000.0,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Woolworths Group Limited and Endeavour Group Limited team members, Immediate family members of Woolworths Group Limited and Endeavour Group Limited team member…"
      ],
      "stacked_bonus": null,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/7Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/woolworths-team-bank/7Months.json",
      "product_url": "https://woolworthsteambank.snapforms.com.au/form/term-deposit-form",
      "bank_last_updated": "2026-09-23T14:21:03.000+10:00"
     },
     {
      "rank": 9,
      "brand": "ME Bank - ME Go",
      "brand_label": "ME Bank",
      "brand_slug": "me-bank-me-go",
      "product_name": "ME Go Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cds.mebank.com.au/cds-au/v1/banking/products/0f039bda-f265-f011-bec3-002248106111",
      "source_snapshot": "/au/finance/term-deposits/v1/source/me-bank-me-go/0f039bda-f265-f011-bec3-002248106111.json",
      "product_url": "https://www.mebank.com.au/term-deposits/",
      "bank_last_updated": "2026-09-20T22:59:11Z"
     },
     {
      "rank": 10,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "6 Month Term Deposit",
      "product_label": "6 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/102",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/102.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/standard-term-deposit/",
      "bank_last_updated": "2026-08-24T00:00:53.9498705Z"
     },
     {
      "rank": 11,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 12,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "myBOQ Term Deposit",
      "product_label": "myBOQ Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/6db81f83-f265-f011-bec3-002248106111",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/6db81f83-f265-f011-bec3-002248106111.json",
      "product_url": "https://www.boq.com.au/personal/bank-and-save/term-deposits",
      "bank_last_updated": "2026-09-20T23:19:10Z"
     },
     {
      "rank": 13,
      "brand": "Geelong Bank",
      "brand_label": "Geelong Bank",
      "brand_slug": "geelong-bank",
      "product_name": "Six Month term deposit",
      "product_label": "Six Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.geelongbank.com.au/OpenBanking/cds-au/v1/banking/products/I6",
      "source_snapshot": "/au/finance/term-deposits/v1/source/geelong-bank/I6.json",
      "product_url": "https://geelongbank.com.au/tools/forms/",
      "bank_last_updated": "2026-07-20T17:40:30.000+10:00"
     },
     {
      "rank": 14,
      "brand": "Hume Bank",
      "brand_label": "Hume Bank",
      "brand_slug": "hume-bank",
      "product_name": "Term Deposit Online 6M (Interest at Maturity)",
      "product_label": "Term Deposit Online 6M (Interest at Maturity)",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "personal eligibility inferred: the bank's feed tags every term deposit business-only"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/6M_Online",
      "source_snapshot": "/au/finance/term-deposits/v1/source/hume-bank/6M_Online.json",
      "product_url": "https://www.humebank.com.au/savings/term-deposits/",
      "bank_last_updated": "2026-09-17T20:46:56.000+10:00"
     },
     {
      "rank": 15,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": 180,
      "term_days_min": 180,
      "term_days_max": 180,
      "term_raw": "P180D",
      "min_balance": 10000.0,
      "max_balance": 5000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an Australian resident for taxation purposes."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/26ab99ae-81ed-44d0-933f-b6d9f0f4b004",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/26ab99ae-81ed-44d0-933f-b6d9f0f4b004.json",
      "product_url": "https://www.ing.com.au/savings/term-deposit.html",
      "bank_last_updated": "2026-09-13T14:00:00.000Z"
     },
     {
      "rank": 16,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 17,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": 154,
      "term_days_max": 183,
      "term_raw": "P183D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 18,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "E&P - Regular Term Deposit",
      "product_label": "E&P - Regular Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through Evans & Partners."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/1f5230e2-e251-4a80-a827-65f136e5d489",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/1f5230e2-e251-4a80-a827-65f136e5d489.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.411989Z"
     },
     {
      "rank": 19,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "6 Month Term Deposit",
      "product_label": "6 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/26",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/26.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-08-24T00:00:23.3443857Z"
     },
     {
      "rank": 20,
      "brand": "QBANK",
      "brand_label": "QBank",
      "brand_slug": "qbank",
      "product_name": "Term Deposit 6 Month",
      "product_label": "Term Deposit 6 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": 250000.0,
      "tier_max": 9999999.0,
      "deposit_min": 250000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You do not have to be a member of Qbank to hold a term deposit."
      ],
      "stacked_bonus": null,
      "source_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/I14_Term_6",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qbank/I14_Term_6.json",
      "product_url": "https://www.qbank.com.au/products/accounts/term-deposits",
      "bank_last_updated": "2026-08-20T19:48:48.000+10:00"
     },
     {
      "rank": 21,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 22,
      "brand": "AMP Bank GO",
      "brand_label": "AMP Bank GO",
      "brand_slug": "amp-bank-go",
      "product_name": "AMP Bank GO 6 Month Term Deposit",
      "product_label": "6 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Customers must have an active AMP Bank GO Everyday Account in order to open an AMP Bank GO Personal Term Deposit: Linked Transaction Account"
      ],
      "stacked_bonus": null,
      "source_url": "https://pub.cdr-sme.amp.com.au/api/cds-au/v1/banking/products/5c934a68-1993-40ce-b8b8-15b9ac13a874",
      "source_snapshot": "/au/finance/term-deposits/v1/source/amp-bank-go/5c934a68-1993-40ce-b8b8-15b9ac13a874.json",
      "product_url": "https://www.amp.com.au/personal-banking/everyday-money",
      "bank_last_updated": "2026-09-28T00:34:51.421Z"
     },
     {
      "rank": 23,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 499999.0,
      "deposit_min": 100000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 24,
      "brand": "BOQ Specialist",
      "brand_label": "BOQ Specialist",
      "brand_slug": "boq-specialist",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": 180,
      "term_days_min": 180,
      "term_days_max": 180,
      "term_raw": "P180D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 100000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 100000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively available to medical professionals and accountants"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/78906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/boq-specialist/78906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boqspecialist.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-21T00:19:38Z"
     },
     {
      "rank": 25,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 26,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "Term Deposit 6 Months",
      "product_label": "Term Deposit 6 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I20_Term_Deposit_6_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I20_Term_Deposit_6_months.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:55:48.000+10:00"
     },
     {
      "rank": 27,
      "brand": "Coastline Bank",
      "brand_label": "Coastline Bank",
      "brand_slug": "coastline-bank",
      "product_name": "I50 Gold Mbr Ftd 6 Mths",
      "product_label": "I50 Gold Mbr Ftd 6 Mths",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 50 and over",
       "existing customers only",
       "new customers only",
       "Early Withdrawal: Withdrawals or transfers from the term deposit account before maturity are not permitted except in cases of hardship, for genuine needs and w…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.coastline.com.au/cds-au/v1/banking/products/10",
      "source_snapshot": "/au/finance/term-deposits/v1/source/coastline-bank/10.json",
      "product_url": "https://www.coastline.com.au/personal/gold-benefits-club",
      "bank_last_updated": "2026-09-14T00:00:16.2552749Z"
     },
     {
      "rank": 28,
      "brand": "CommFCU",
      "brand_label": "Community First Bank",
      "brand_slug": "commfcu",
      "product_name": "TERM DEPOSITS - 6 TO 11 MONTHS INTEREST ON MATURITY",
      "product_label": "Term Deposit - 6 to 11 Months Interest on Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 249999.01,
      "tier_max": 1000000.0,
      "deposit_min": 249999.01,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/I6-TD-6-11-ANL",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commfcu/I6-TD-6-11-ANL.json",
      "product_url": "https://communityfirst.com.au/products/term-deposits",
      "bank_last_updated": "2026-06-12T11:11:19.000+10:00"
     },
     {
      "rank": 29,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (39)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 200000.0,
      "max_balance": 500000.0,
      "tier_min": 200000.0,
      "tier_max": 500000.0,
      "deposit_min": 200000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_6M_%24200%2C000_plus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_6M__200_000_plus.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 30,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "6 Month Fixed Term",
      "product_label": "6 Month Fixed Term",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 2000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/6MTH_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/6MTH_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-16T10:53:34.000+10:00"
     },
     {
      "rank": 31,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest @ Maturity",
      "product_label": "Term Investment - Interest @ Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3000",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3000.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-27T14:00:00Z"
     },
     {
      "rank": 32,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": 166,
      "term_days_max": 195,
      "term_raw": "P166D - P195D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 33,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Online Term Deposit",
      "product_label": "Online Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 100000.01,
      "tier_max": 250000.0,
      "deposit_min": 100000.01,
      "deposit_max": 250000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "New customers are required to open and maintain a High Interest Savings Account (HISA) which is a variable rate at-call savings account which does not charge f…",
       "loyalty bonus on rollover"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/9b82ebfd-cd77-4c6c-a8de-880fdabf0bf4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/9b82ebfd-cd77-4c6c-a8de-880fdabf0bf4.json",
      "product_url": "https://myapplication.rabobank.com.au/apply?CONT=AU&PID=TERMDEP",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 34,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "NATIONAL SENIORS TERM DEPOSIT",
      "product_label": "National Seniors Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 3000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through National Seniors Australia"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6f474df2-c438-4132-939f-9730d5e45165",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/6f474df2-c438-4132-939f-9730d5e45165.json",
      "product_url": "https://nationalseniors.com.au/services/financial/termdeposit",
      "bank_last_updated": "2026-09-29T09:16:28.000+10:00"
     },
     {
      "rank": 35,
      "brand": "Bank of China",
      "brand_label": "Bank of China",
      "brand_slug": "bank-of-china",
      "product_name": "Term Deposit AUD 6M",
      "product_label": "Term Deposit AUD 6M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "Term Deposit AUD 6M, rate apply for balance 5000 AUD and 4,999,999.99",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/55090508",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-china/55090508.json",
      "product_url": "https://www.bankofchina.com/au/en/pbservice/pb1/201712/t20171214_10912803.html",
      "bank_last_updated": "2026-09-15T14:00:21.000+10:00"
     },
     {
      "rank": 36,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": 179,
      "term_days_max": 208,
      "term_raw": "P208D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 500000.0,
      "deposit_min": 100000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 37,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 38,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 6 Mth Capitalise",
      "product_label": "INV - 6 Mth Capitalise",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 200000.0,
      "tier_max": null,
      "deposit_min": 200000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/15",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/15.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-09-03T12:00:31.9528987Z"
     },
     {
      "rank": 39,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…",
       "online only",
       "SMSF only",
       "Special Rate for online origination for SMSF customers. Available on balances from $5,000 to $5,000,000. Offer available for a limited time only. Please visit……"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 40,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 6 Months",
      "product_label": "Term Deposit - 6 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/6",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/6.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 41,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Standard Rate Term Deposit 1-12 months",
      "product_label": "Standard Rate Term Deposit 1-12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1000-0500",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1000-0500.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 42,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 43,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 44,
      "brand": "Police Credit Union Ltd",
      "brand_label": "Police Credit Union",
      "brand_slug": "police-credit-union-ltd",
      "product_name": "YORKETOWN TERM DEPOSIT",
      "product_label": "Yorketown Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": 2500000.0,
      "tier_min": 50000.0,
      "tier_max": 2500000.0,
      "deposit_min": 50000.0,
      "deposit_max": 2500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/I76_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-credit-union-ltd/I76_TERM_DEPOSIT.json",
      "product_url": "https://www.policecu.com.au/rates/",
      "bank_last_updated": "2026-04-30T15:05:43.000+09:30"
     },
     {
      "rank": 45,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "Limited Offer 6 months",
      "product_label": "Limited Offer 6 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I2_6",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I2_6.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:45:48.000+10:00"
     },
     {
      "rank": 46,
      "brand": "gmcu",
      "brand_label": "GMCU",
      "brand_slug": "gmcu",
      "product_name": "Fixed Term Deposit - 6 to 8 months",
      "product_label": "Fixed Term Deposit - 6 to 8 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 100.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 2000000.0,
      "deposit_min": 4999.01,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must become a member. Visit our website for more details."
      ],
      "stacked_bonus": null,
      "source_url": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Term_deposit_-_6_to_8_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gmcu/Term_deposit_-_6_to_8_months.json",
      "product_url": "https://www.gmcu.com.au/banking/term-deposits/view-all-term-deposits/",
      "bank_last_updated": "2026-08-17T15:40:30.000+10:00"
     },
     {
      "rank": 47,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 48,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 49,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 1000000.0,
      "deposit_min": 100000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 50,
      "brand": "Border Bank",
      "brand_label": "Border Bank",
      "brand_slug": "border-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/797f3952-486a-4683-9bcc-462ad80599fd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/border-bank/797f3952-486a-4683-9bcc-462ad80599fd.json",
      "product_url": "https://www.borderbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:29.599Z"
     },
     {
      "rank": 51,
      "brand": "Police Bank",
      "brand_label": "Police Bank",
      "brand_slug": "police-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/934b3b27-224e-41b9-a827-2032ec619780",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-bank/934b3b27-224e-41b9-a827-2032ec619780.json",
      "product_url": "https://www.policebank.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:27.339Z"
     },
     {
      "rank": 52,
      "brand": "The Capricornian",
      "brand_label": "The Capricornian",
      "brand_slug": "the-capricornian",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": 250000.0,
      "tier_min": 5000.0,
      "tier_max": 250000.0,
      "deposit_min": 5000.0,
      "deposit_max": 250000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to individuals, companies and trust for personal or business use.",
       "Is currently, or wishes to become, a shareholding member of The Capricornian Ltd."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/4ecba156-6b32-420b-8946-3f32b7a0504f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-capricornian/4ecba156-6b32-420b-8946-3f32b7a0504f.json",
      "product_url": "https://www.capricornian.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-10-02T02:31:03.752887Z"
     },
     {
      "rank": 53,
      "brand": "Horizon Bank",
      "brand_label": "Horizon Bank",
      "brand_slug": "horizon-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/I50_I500001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/horizon-bank/I50_I500001.json",
      "product_url": "https://horizonbank.com.au/forms/savings-account-or-term-deposit-application/",
      "bank_last_updated": "2026-08-17T17:59:37.000+10:00"
     },
     {
      "rank": 54,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 100000.0,
      "tier_max": 999999.0,
      "deposit_min": 100000.0,
      "deposit_max": 999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 55,
      "brand": "The Mac",
      "brand_label": "The Mac",
      "brand_slug": "the-mac",
      "product_name": "TERM SAVINGS I4",
      "product_label": "Term Savings I4",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/I4_TERMDEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-mac/I4_TERMDEPOSIT.json",
      "product_url": "https://themaccu.com.au/solutions/everyday-banking-investments/all-everyday-banking-investments/",
      "bank_last_updated": "2026-08-24T08:38:40.000+10:00"
     },
     {
      "rank": 56,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Term Deposit 6 months",
      "product_label": "Term Deposit 6 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/207",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/207.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 57,
      "brand": "Australian Mutual Bank LTD",
      "brand_label": "Australian Mutual Bank",
      "brand_slug": "australian-mutual-bank-ltd",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": 180,
      "term_days_max": 209,
      "term_raw": "P209D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/74073f50-1e84-11f1-b37a-325096b39f47",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-mutual-bank-ltd/74073f50-1e84-11f1-b37a-325096b39f47.json",
      "product_url": "https://australianmutual.bank/banking/term-deposits/",
      "bank_last_updated": "2026-08-26T14:27:19.000+10:00"
     },
     {
      "rank": 58,
      "brand": "Firefighters Mutual Bank",
      "brand_label": "Firefighters Mutual Bank",
      "brand_slug": "firefighters-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": 180,
      "term_days_max": 209,
      "term_raw": "P209D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/aa76cccb-0cf7-4330-8eb6-e2756aefce0e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/firefighters-mutual-bank/aa76cccb-0cf7-4330-8eb6-e2756aefce0e.json",
      "product_url": "https://www.fmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:15:19.000+10:00"
     },
     {
      "rank": 59,
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": 180,
      "term_days_max": 209,
      "term_raw": "P209D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/d45a38f4-5462-4883-8239-7eaea4e2871b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/health-professionals-bank/d45a38f4-5462-4883-8239-7eaea4e2871b.json",
      "product_url": "https://www.hpbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-14T09:14:44.000+10:00"
     },
     {
      "rank": 60,
      "brand": "Teachers Mutual Bank",
      "brand_label": "Teachers Mutual Bank",
      "brand_slug": "teachers-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": 180,
      "term_days_max": 209,
      "term_raw": "P209D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/e556280d-1d2b-4fb1-b22f-151e8050bdda",
      "source_snapshot": "/au/finance/term-deposits/v1/source/teachers-mutual-bank/e556280d-1d2b-4fb1-b22f-151e8050bdda.json",
      "product_url": "https://www.tmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:18:27.000+10:00"
     },
     {
      "rank": 61,
      "brand": "UniBank",
      "brand_label": "UniBank",
      "brand_slug": "unibank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": 180,
      "term_days_max": 209,
      "term_raw": "P209D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unibank/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c.json",
      "product_url": "https://www.unibank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:25:09.000+10:00"
     },
     {
      "rank": 62,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "24 MONTHS",
      "product_label": "24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/24MTH_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/24MTH_TERM_DEPOSIT.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-07-02T11:03:33.000+10:00"
     },
     {
      "rank": 63,
      "brand": "Fire Service Credit Union",
      "brand_label": "Fire Service Credit Union",
      "brand_slug": "fire-service-credit-union",
      "product_name": "I5 FTD 6 Months",
      "product_label": "I5 FTD 6 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0425,
      "rate_pct": 4.25,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/13",
      "source_snapshot": "/au/finance/term-deposits/v1/source/fire-service-credit-union/13.json",
      "product_url": "https://www.fscu.com.au/accounts/term-deposits/",
      "bank_last_updated": "2026-05-20T04:00:33.3305724Z"
     },
     {
      "rank": 64,
      "brand": "Australian Military Bank",
      "brand_label": "Australian Military Bank",
      "brand_slug": "australian-military-bank",
      "product_name": "Teen Plus",
      "product_label": "Teen Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 500.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 18 and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4f86dc3e-4af2-40a4-adcf-210d341f538f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-military-bank/4f86dc3e-4af2-40a4-adcf-210d341f538f.json",
      "product_url": "https://www.australianmilitarybank.com.au/term-deposits",
      "bank_last_updated": "2026-08-24T23:18:21.610306Z"
     },
     {
      "rank": 65,
      "brand": "Central Murray Bank",
      "brand_label": "Central Murray Bank",
      "brand_slug": "central-murray-bank",
      "product_name": "TERM DEPOSIT 6 MONTHS",
      "product_label": "Term Deposit 6 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 3500000.0,
      "deposit_min": 50000.0,
      "deposit_max": 3500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/I2_6month",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-murray-bank/I2_6month.json",
      "product_url": "https://www.centralmurray.bank/invest/term-deposits/",
      "bank_last_updated": "2026-08-06T14:18:36.000+10:00"
     },
     {
      "rank": 66,
      "brand": "Laboratories Credit Union",
      "brand_label": "Laboratories Credit Union",
      "brand_slug": "laboratories-credit-union",
      "product_name": "Monthly Interest 12 Month Term Deposit",
      "product_label": "Monthly Interest 12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "monthly",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…",
       "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…"
      ],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/laboratories-credit-union/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS.json",
      "product_url": "https://join.lcu.com.au/getting-started",
      "bank_last_updated": "2026-10-02T14:13:39.000+10:00"
     },
     {
      "rank": 67,
      "brand": "Queensland Country Bank",
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "product_name": "FTD - Interest at Maturity",
      "product_label": "FTD - Interest at Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/40",
      "source_snapshot": "/au/finance/term-deposits/v1/source/queensland-country-bank/40.json",
      "product_url": "https://www.queenslandcountry.bank/banking/savings-accounts/term-deposits/",
      "bank_last_updated": "2026-10-02T14:00:24.0731915Z"
     },
     {
      "rank": 68,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "6M TO LESS THAN 12M",
      "product_label": "6M to Less Than 12M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/6M_TO_LESS_THAN_12M",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/6M_TO_LESS_THAN_12M.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/term-deposits/",
      "bank_last_updated": "2026-08-04T09:47:40.000+10:00"
     },
     {
      "rank": 69,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 70,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 71,
      "brand": "SWSbank",
      "brand_label": "SWS Bank",
      "brand_slug": "swsbank",
      "product_name": "6 Month Term Deposit",
      "product_label": "6 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 9999999.0,
      "deposit_min": 50000.0,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/I2_TD_6Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/swsbank/I2_TD_6Months.json",
      "product_url": "https://swscu.apply-online.com.au/#/3e8f1c2b-4724-4a65-b5d0-2d7eaf64b99b",
      "bank_last_updated": "2026-05-11T16:51:44.000+10:00"
     },
     {
      "rank": 72,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 73,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 74,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 75,
      "brand": "Central West CUL",
      "brand_label": "Central West Credit Union",
      "brand_slug": "central-west-cul",
      "product_name": "$5000+ (6m to <12m) I3",
      "product_label": "$5000+ (6m to <12m) I3",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 180,
      "term_days_max": 364,
      "term_raw": "P364D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1000000.0,
      "deposit_min": 50000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/I3_Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-west-cul/I3_Fixed_Term_Deposit.json",
      "product_url": "https://www.cwcu.com.au/savings/fixed-term-deposits",
      "bank_last_updated": "2026-04-30T16:40:29.000+10:00"
     },
     {
      "rank": 76,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 77,
      "brand": "Broken Hill Bank",
      "brand_label": "Broken Hill Bank",
      "brand_slug": "broken-hill-bank",
      "product_name": "FTD - 6 Months",
      "product_label": "FTD - 6 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 499999.99,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/broken-hill-bank/3.json",
      "product_url": "https://brokenhill.bank/open-an-account",
      "bank_last_updated": "2026-06-11T02:00:18.8259621Z"
     },
     {
      "rank": 78,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Bendigo Cash Solutions Term Deposit",
      "product_label": "Cash Solutions Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/b85e1a64-ee7f-475d-b2dd-c0de7b5504b7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/b85e1a64-ee7f-475d-b2dd-c0de7b5504b7.json",
      "product_url": null,
      "bank_last_updated": "2026-07-24T01:18:35.447Z"
     },
     {
      "rank": 79,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     }
    ],
    "7": [
     {
      "rank": 1,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 2,
      "brand": "Woolworths Team Bank",
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "product_name": "7 MONTHS",
      "product_label": "7 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 0.0,
      "tier_max": 1000000.0,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Woolworths Group Limited and Endeavour Group Limited team members, Immediate family members of Woolworths Group Limited and Endeavour Group Limited team member…"
      ],
      "stacked_bonus": null,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/7Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/woolworths-team-bank/7Months.json",
      "product_url": "https://woolworthsteambank.snapforms.com.au/form/term-deposit-form",
      "bank_last_updated": "2026-09-23T14:21:03.000+10:00"
     },
     {
      "rank": 3,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 4,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": 209,
      "term_days_max": 238,
      "term_raw": "P238D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 500000.0,
      "deposit_min": 100000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 5,
      "brand": "ME Bank - ME Go",
      "brand_label": "ME Bank",
      "brand_slug": "me-bank-me-go",
      "product_name": "ME Go Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cds.mebank.com.au/cds-au/v1/banking/products/0f039bda-f265-f011-bec3-002248106111",
      "source_snapshot": "/au/finance/term-deposits/v1/source/me-bank-me-go/0f039bda-f265-f011-bec3-002248106111.json",
      "product_url": "https://www.mebank.com.au/term-deposits/",
      "bank_last_updated": "2026-09-20T22:59:11Z"
     },
     {
      "rank": 6,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 100000.0,
      "tier_max": 999999.0,
      "deposit_min": 100000.0,
      "deposit_max": 999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 7,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "myBOQ Term Deposit",
      "product_label": "myBOQ Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/6db81f83-f265-f011-bec3-002248106111",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/6db81f83-f265-f011-bec3-002248106111.json",
      "product_url": "https://www.boq.com.au/personal/bank-and-save/term-deposits",
      "bank_last_updated": "2026-09-20T23:19:10Z"
     },
     {
      "rank": 8,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "6 Month Fixed Term",
      "product_label": "6 Month Fixed Term",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 2000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/6MTH_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/6MTH_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-16T10:53:34.000+10:00"
     },
     {
      "rank": 9,
      "brand": "Australian Mutual Bank LTD",
      "brand_label": "Australian Mutual Bank",
      "brand_slug": "australian-mutual-bank-ltd",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": 210,
      "term_days_max": 239,
      "term_raw": "P239D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/74073f50-1e84-11f1-b37a-325096b39f47",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-mutual-bank-ltd/74073f50-1e84-11f1-b37a-325096b39f47.json",
      "product_url": "https://australianmutual.bank/banking/term-deposits/",
      "bank_last_updated": "2026-08-26T14:27:19.000+10:00"
     },
     {
      "rank": 10,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     },
     {
      "rank": 11,
      "brand": "Firefighters Mutual Bank",
      "brand_label": "Firefighters Mutual Bank",
      "brand_slug": "firefighters-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": 210,
      "term_days_max": 239,
      "term_raw": "P239D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/aa76cccb-0cf7-4330-8eb6-e2756aefce0e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/firefighters-mutual-bank/aa76cccb-0cf7-4330-8eb6-e2756aefce0e.json",
      "product_url": "https://www.fmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:15:19.000+10:00"
     },
     {
      "rank": 12,
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": 210,
      "term_days_max": 239,
      "term_raw": "P239D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/d45a38f4-5462-4883-8239-7eaea4e2871b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/health-professionals-bank/d45a38f4-5462-4883-8239-7eaea4e2871b.json",
      "product_url": "https://www.hpbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-14T09:14:44.000+10:00"
     },
     {
      "rank": 13,
      "brand": "Teachers Mutual Bank",
      "brand_label": "Teachers Mutual Bank",
      "brand_slug": "teachers-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": 210,
      "term_days_max": 239,
      "term_raw": "P239D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/e556280d-1d2b-4fb1-b22f-151e8050bdda",
      "source_snapshot": "/au/finance/term-deposits/v1/source/teachers-mutual-bank/e556280d-1d2b-4fb1-b22f-151e8050bdda.json",
      "product_url": "https://www.tmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:18:27.000+10:00"
     },
     {
      "rank": 14,
      "brand": "UniBank",
      "brand_label": "UniBank",
      "brand_slug": "unibank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": 210,
      "term_days_max": 239,
      "term_raw": "P239D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unibank/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c.json",
      "product_url": "https://www.unibank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:25:09.000+10:00"
     },
     {
      "rank": 15,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 16,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "NATIONAL SENIORS TERM DEPOSIT",
      "product_label": "National Seniors Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 3000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through National Seniors Australia"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6f474df2-c438-4132-939f-9730d5e45165",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/6f474df2-c438-4132-939f-9730d5e45165.json",
      "product_url": "https://nationalseniors.com.au/services/financial/termdeposit",
      "bank_last_updated": "2026-09-29T09:16:28.000+10:00"
     },
     {
      "rank": 17,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Standard Rate Term Deposit 1-12 months",
      "product_label": "Standard Rate Term Deposit 1-12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1000-0500",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1000-0500.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 18,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": 210,
      "term_days_min": 210,
      "term_days_max": 210,
      "term_raw": "P210D",
      "min_balance": 10000.0,
      "max_balance": 5000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an Australian resident for taxation purposes."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/26ab99ae-81ed-44d0-933f-b6d9f0f4b004",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/26ab99ae-81ed-44d0-933f-b6d9f0f4b004.json",
      "product_url": "https://www.ing.com.au/savings/term-deposit.html",
      "bank_last_updated": "2026-09-13T14:00:00.000Z"
     },
     {
      "rank": 19,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Regular Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/8546b224-85ce-40b4-ba09-3390398b5c4e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/8546b224-85ce-40b4-ba09-3390398b5c4e.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.482282Z"
     },
     {
      "rank": 20,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 21,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 22,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 1000000.0,
      "deposit_min": 100000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 23,
      "brand": "gmcu",
      "brand_label": "GMCU",
      "brand_slug": "gmcu",
      "product_name": "Fixed Term Deposit - 6 to 8 months",
      "product_label": "Fixed Term Deposit - 6 to 8 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 100.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 2000000.0,
      "deposit_min": 4999.01,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must become a member. Visit our website for more details."
      ],
      "stacked_bonus": null,
      "source_url": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Term_deposit_-_6_to_8_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gmcu/Term_deposit_-_6_to_8_months.json",
      "product_url": "https://www.gmcu.com.au/banking/term-deposits/view-all-term-deposits/",
      "bank_last_updated": "2026-08-17T15:40:30.000+10:00"
     },
     {
      "rank": 24,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "12 Month Regular Income",
      "product_label": "12 Month Regular Income",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I3_TermDeposit_12mthIncome",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I3_TermDeposit_12mthIncome.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:59:19.000+10:00"
     },
     {
      "rank": 25,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 26,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Term Deposit 7 months",
      "product_label": "Term Deposit 7 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/231",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/231.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 27,
      "brand": "Border Bank",
      "brand_label": "Border Bank",
      "brand_slug": "border-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/797f3952-486a-4683-9bcc-462ad80599fd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/border-bank/797f3952-486a-4683-9bcc-462ad80599fd.json",
      "product_url": "https://www.borderbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:29.599Z"
     },
     {
      "rank": 28,
      "brand": "Police Bank",
      "brand_label": "Police Bank",
      "brand_slug": "police-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/934b3b27-224e-41b9-a827-2032ec619780",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-bank/934b3b27-224e-41b9-a827-2032ec619780.json",
      "product_url": "https://www.policebank.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:27.339Z"
     },
     {
      "rank": 29,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 7 Months",
      "product_label": "Term Deposit - 7 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.046,
      "rate_pct": 4.6,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/7.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 30,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 499999.0,
      "deposit_min": 100000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 31,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "24 MONTHS",
      "product_label": "24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/24MTH_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/24MTH_TERM_DEPOSIT.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-07-02T11:03:33.000+10:00"
     },
     {
      "rank": 32,
      "brand": "Australian Military Bank",
      "brand_label": "Australian Military Bank",
      "brand_slug": "australian-military-bank",
      "product_name": "Teen Plus",
      "product_label": "Teen Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.044,
      "rate_pct": 4.4,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 500.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 18 and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4f86dc3e-4af2-40a4-adcf-210d341f538f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-military-bank/4f86dc3e-4af2-40a4-adcf-210d341f538f.json",
      "product_url": "https://www.australianmilitarybank.com.au/term-deposits",
      "bank_last_updated": "2026-08-24T23:18:21.610306Z"
     },
     {
      "rank": 33,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.044,
      "rate_pct": 4.4,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 34,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "7 Month Term Deposit",
      "product_label": "7 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.044,
      "rate_pct": 4.4,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/27",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/27.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-09-01T02:00:23.3722770Z"
     },
     {
      "rank": 35,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 36,
      "brand": "Laboratories Credit Union",
      "brand_label": "Laboratories Credit Union",
      "brand_slug": "laboratories-credit-union",
      "product_name": "Monthly Interest 12 Month Term Deposit",
      "product_label": "Monthly Interest 12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "monthly",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…",
       "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…"
      ],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/laboratories-credit-union/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS.json",
      "product_url": "https://join.lcu.com.au/getting-started",
      "bank_last_updated": "2026-10-02T14:13:39.000+10:00"
     },
     {
      "rank": 37,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": 184,
      "term_days_max": 213,
      "term_raw": "P213D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 38,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "7 Month Term Deposit",
      "product_label": "7 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/103",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/103.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/standard-term-deposit/",
      "bank_last_updated": "2026-06-11T04:00:41.6927295Z"
     },
     {
      "rank": 39,
      "brand": "Queensland Country Bank",
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "product_name": "FTD - Interest at Maturity",
      "product_label": "FTD - Interest at Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/40",
      "source_snapshot": "/au/finance/term-deposits/v1/source/queensland-country-bank/40.json",
      "product_url": "https://www.queenslandcountry.bank/banking/savings-accounts/term-deposits/",
      "bank_last_updated": "2026-10-02T14:00:24.0731915Z"
     },
     {
      "rank": 40,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 41,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (43)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 200000.0,
      "max_balance": 500000.0,
      "tier_min": 200000.0,
      "tier_max": 500000.0,
      "deposit_min": 200000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_7M_%24200%2C000_plus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_7M__200_000_plus.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 42,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 43,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest @ Maturity",
      "product_label": "Term Investment - Interest @ Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3000",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3000.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-27T14:00:00Z"
     },
     {
      "rank": 44,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 45,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": 196,
      "term_days_max": 225,
      "term_raw": "P196D - P225D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 46,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 47,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 48,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 49,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "6M TO LESS THAN 12M",
      "product_label": "6M to Less Than 12M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/6M_TO_LESS_THAN_12M",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/6M_TO_LESS_THAN_12M.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/term-deposits/",
      "bank_last_updated": "2026-08-04T09:47:40.000+10:00"
     },
     {
      "rank": 50,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 51,
      "brand": "Central West CUL",
      "brand_label": "Central West Credit Union",
      "brand_slug": "central-west-cul",
      "product_name": "$5000+ (6m to <12m) I3",
      "product_label": "$5000+ (6m to <12m) I3",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 180,
      "term_days_max": 364,
      "term_raw": "P364D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1000000.0,
      "deposit_min": 50000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/I3_Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-west-cul/I3_Fixed_Term_Deposit.json",
      "product_url": "https://www.cwcu.com.au/savings/fixed-term-deposits",
      "bank_last_updated": "2026-04-30T16:40:29.000+10:00"
     },
     {
      "rank": 52,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0315,
      "rate_pct": 3.15,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 5000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/bd41ed42-262c-4445-a7f6-f3b61314ec0c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/bd41ed42-262c-4445-a7f6-f3b61314ec0c.json",
      "product_url": "https://www.bendigobank.com.au/personal/term-deposits/term-deposit-enquiry/",
      "bank_last_updated": "2026-09-24T14:32:23.011Z"
     },
     {
      "rank": 53,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "6-11 months >$25K",
      "product_label": "6-11 Months >$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.031,
      "rate_pct": 3.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 25000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_4.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 54,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0225,
      "rate_pct": 2.25,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M/P8M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 55,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 7 Months",
      "product_label": "Package TD 7 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.013,
      "rate_pct": 1.3,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/28",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/28.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     },
     {
      "rank": 56,
      "brand": "Bank of China",
      "brand_label": "Bank of China",
      "brand_slug": "bank-of-china",
      "product_name": "Term Deposit AUD 7M",
      "product_label": "Term Deposit AUD 7M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.01,
      "rate_pct": 1.0,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "Term Deposit AUD 7M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/55090853",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-china/55090853.json",
      "product_url": "https://www.bankofchina.com/au/en/pbservice/pb1/201712/t20171214_10912803.html",
      "bank_last_updated": "2026-03-10T17:00:00.000+11:00"
     },
     {
      "rank": 57,
      "brand": "Central Murray Bank",
      "brand_label": "Central Murray Bank",
      "brand_slug": "central-murray-bank",
      "product_name": "TERM DEPOSIT 7 MONTHS",
      "product_label": "Term Deposit 7 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.01,
      "rate_pct": 1.0,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 3500000.0,
      "deposit_min": 50000.0,
      "deposit_max": 3500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/I7_7month",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-murray-bank/I7_7month.json",
      "product_url": "https://www.centralmurray.bank/invest/term-deposits/",
      "bank_last_updated": "2025-11-13T12:22:52.000+11:00"
     }
    ],
    "8": [
     {
      "rank": 1,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 2,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "6 Month Fixed Term",
      "product_label": "6 Month Fixed Term",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 2000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/6MTH_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/6MTH_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-16T10:53:34.000+10:00"
     },
     {
      "rank": 3,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 4,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "NATIONAL SENIORS TERM DEPOSIT",
      "product_label": "National Seniors Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 3000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through National Seniors Australia"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6f474df2-c438-4132-939f-9730d5e45165",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/6f474df2-c438-4132-939f-9730d5e45165.json",
      "product_url": "https://nationalseniors.com.au/services/financial/termdeposit",
      "bank_last_updated": "2026-09-29T09:16:28.000+10:00"
     },
     {
      "rank": 5,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Regular Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/8546b224-85ce-40b4-ba09-3390398b5c4e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/8546b224-85ce-40b4-ba09-3390398b5c4e.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.482282Z"
     },
     {
      "rank": 6,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 7,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 1000000.0,
      "deposit_min": 100000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 8,
      "brand": "gmcu",
      "brand_label": "GMCU",
      "brand_slug": "gmcu",
      "product_name": "Fixed Term Deposit - 6 to 8 months",
      "product_label": "Fixed Term Deposit - 6 to 8 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 100.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 2000000.0,
      "deposit_min": 4999.01,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must become a member. Visit our website for more details."
      ],
      "stacked_bonus": null,
      "source_url": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Term_deposit_-_6_to_8_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gmcu/Term_deposit_-_6_to_8_months.json",
      "product_url": "https://www.gmcu.com.au/banking/term-deposits/view-all-term-deposits/",
      "bank_last_updated": "2026-08-17T15:40:30.000+10:00"
     },
     {
      "rank": 9,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "12 Month Regular Income",
      "product_label": "12 Month Regular Income",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I3_TermDeposit_12mthIncome",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I3_TermDeposit_12mthIncome.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:59:19.000+10:00"
     },
     {
      "rank": 10,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 11,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Term Deposit 8 month",
      "product_label": "Term Deposit 8 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/288",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/288.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 12,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 8 Months",
      "product_label": "Term Deposit - 8 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/8",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/8.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 13,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Standard Rate Term Deposit 1-12 months",
      "product_label": "Standard Rate Term Deposit 1-12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1000-0500",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1000-0500.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 14,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 499999.0,
      "deposit_min": 100000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 15,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "24 MONTHS",
      "product_label": "24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/24MTH_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/24MTH_TERM_DEPOSIT.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-07-02T11:03:33.000+10:00"
     },
     {
      "rank": 16,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 17,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.044,
      "rate_pct": 4.4,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 18,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.044,
      "rate_pct": 4.4,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 5000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/bd41ed42-262c-4445-a7f6-f3b61314ec0c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/bd41ed42-262c-4445-a7f6-f3b61314ec0c.json",
      "product_url": "https://www.bendigobank.com.au/personal/term-deposits/term-deposit-enquiry/",
      "bank_last_updated": "2026-09-24T14:32:23.011Z"
     },
     {
      "rank": 19,
      "brand": "Australian Military Bank",
      "brand_label": "Australian Military Bank",
      "brand_slug": "australian-military-bank",
      "product_name": "Teen Plus",
      "product_label": "Teen Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.043,
      "rate_pct": 4.3,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 500.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 18 and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4f86dc3e-4af2-40a4-adcf-210d341f538f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-military-bank/4f86dc3e-4af2-40a4-adcf-210d341f538f.json",
      "product_url": "https://www.australianmilitarybank.com.au/term-deposits",
      "bank_last_updated": "2026-08-24T23:18:21.610306Z"
     },
     {
      "rank": 20,
      "brand": "Australian Mutual Bank LTD",
      "brand_label": "Australian Mutual Bank",
      "brand_slug": "australian-mutual-bank-ltd",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": 240,
      "term_days_max": 269,
      "term_raw": "P269D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/74073f50-1e84-11f1-b37a-325096b39f47",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-mutual-bank-ltd/74073f50-1e84-11f1-b37a-325096b39f47.json",
      "product_url": "https://australianmutual.bank/banking/term-deposits/",
      "bank_last_updated": "2026-08-26T14:27:19.000+10:00"
     },
     {
      "rank": 21,
      "brand": "Firefighters Mutual Bank",
      "brand_label": "Firefighters Mutual Bank",
      "brand_slug": "firefighters-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": 240,
      "term_days_max": 269,
      "term_raw": "P269D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/aa76cccb-0cf7-4330-8eb6-e2756aefce0e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/firefighters-mutual-bank/aa76cccb-0cf7-4330-8eb6-e2756aefce0e.json",
      "product_url": "https://www.fmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:15:19.000+10:00"
     },
     {
      "rank": 22,
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": 240,
      "term_days_max": 269,
      "term_raw": "P269D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/d45a38f4-5462-4883-8239-7eaea4e2871b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/health-professionals-bank/d45a38f4-5462-4883-8239-7eaea4e2871b.json",
      "product_url": "https://www.hpbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-14T09:14:44.000+10:00"
     },
     {
      "rank": 23,
      "brand": "Teachers Mutual Bank",
      "brand_label": "Teachers Mutual Bank",
      "brand_slug": "teachers-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": 240,
      "term_days_max": 269,
      "term_raw": "P269D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/e556280d-1d2b-4fb1-b22f-151e8050bdda",
      "source_snapshot": "/au/finance/term-deposits/v1/source/teachers-mutual-bank/e556280d-1d2b-4fb1-b22f-151e8050bdda.json",
      "product_url": "https://www.tmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:18:27.000+10:00"
     },
     {
      "rank": 24,
      "brand": "UniBank",
      "brand_label": "UniBank",
      "brand_slug": "unibank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": 240,
      "term_days_max": 269,
      "term_raw": "P269D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unibank/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c.json",
      "product_url": "https://www.unibank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:25:09.000+10:00"
     },
     {
      "rank": 25,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 26,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": 239,
      "term_days_max": 268,
      "term_raw": "P268D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 500000.0,
      "deposit_min": 100000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 27,
      "brand": "Laboratories Credit Union",
      "brand_label": "Laboratories Credit Union",
      "brand_slug": "laboratories-credit-union",
      "product_name": "Monthly Interest 12 Month Term Deposit",
      "product_label": "Monthly Interest 12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "monthly",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…",
       "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…"
      ],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/laboratories-credit-union/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS.json",
      "product_url": "https://join.lcu.com.au/getting-started",
      "bank_last_updated": "2026-10-02T14:13:39.000+10:00"
     },
     {
      "rank": 28,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": 214,
      "term_days_max": 244,
      "term_raw": "P244D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 29,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "8 Month Term Deposit",
      "product_label": "8 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/104",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/104.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/standard-term-deposit/",
      "bank_last_updated": "2026-06-11T04:00:41.6927295Z"
     },
     {
      "rank": 30,
      "brand": "Queensland Country Bank",
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "product_name": "FTD - Interest at Maturity",
      "product_label": "FTD - Interest at Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/40",
      "source_snapshot": "/au/finance/term-deposits/v1/source/queensland-country-bank/40.json",
      "product_url": "https://www.queenslandcountry.bank/banking/savings-accounts/term-deposits/",
      "bank_last_updated": "2026-10-02T14:00:24.0731915Z"
     },
     {
      "rank": 31,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 32,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 100000.0,
      "tier_max": 999999.0,
      "deposit_min": 100000.0,
      "deposit_max": 999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 33,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 34,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 35,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "8 Month Term Deposit",
      "product_label": "8 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/21",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/21.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-06-28T16:00:22.3851793Z"
     },
     {
      "rank": 36,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 37,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (47)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 200000.0,
      "max_balance": 500000.0,
      "tier_min": 200000.0,
      "tier_max": 500000.0,
      "deposit_min": 200000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_8M_%24200%2C000_plus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_8M__200_000_plus.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 38,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 39,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 40,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest @ Maturity",
      "product_label": "Term Investment - Interest @ Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3000",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3000.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-27T14:00:00Z"
     },
     {
      "rank": 41,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": 226,
      "term_days_max": 255,
      "term_raw": "P226D - P255D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 42,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 43,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "6M TO LESS THAN 12M",
      "product_label": "6M to Less Than 12M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/6M_TO_LESS_THAN_12M",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/6M_TO_LESS_THAN_12M.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/term-deposits/",
      "bank_last_updated": "2026-08-04T09:47:40.000+10:00"
     },
     {
      "rank": 44,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 45,
      "brand": "Central West CUL",
      "brand_label": "Central West Credit Union",
      "brand_slug": "central-west-cul",
      "product_name": "$5000+ (6m to <12m) I3",
      "product_label": "$5000+ (6m to <12m) I3",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 180,
      "term_days_max": 364,
      "term_raw": "P364D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1000000.0,
      "deposit_min": 50000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/I3_Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-west-cul/I3_Fixed_Term_Deposit.json",
      "product_url": "https://www.cwcu.com.au/savings/fixed-term-deposits",
      "bank_last_updated": "2026-04-30T16:40:29.000+10:00"
     },
     {
      "rank": 46,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "6-11 months >$25K",
      "product_label": "6-11 Months >$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.031,
      "rate_pct": 3.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 25000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_4.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 47,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     },
     {
      "rank": 48,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0225,
      "rate_pct": 2.25,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M/P8M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 49,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 8 Months",
      "product_label": "Package TD 8 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0105,
      "rate_pct": 1.05,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/29",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/29.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     },
     {
      "rank": 50,
      "brand": "The Mac",
      "brand_label": "The Mac",
      "brand_slug": "the-mac",
      "product_name": "TERM SAVINGS I4",
      "product_label": "Term Savings I4",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0,
      "rate_pct": 0.0,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 1000000.0,
      "deposit_min": 100000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/I4_TERMDEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-mac/I4_TERMDEPOSIT.json",
      "product_url": "https://themaccu.com.au/solutions/everyday-banking-investments/all-everyday-banking-investments/",
      "bank_last_updated": "2026-08-24T08:38:40.000+10:00"
     }
    ],
    "9": [
     {
      "rank": 1,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "270 Day Term Deposit",
      "product_label": "270 Day Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": 270,
      "term_days_min": 270,
      "term_days_max": 270,
      "term_raw": "P270D",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 9999999.99,
      "deposit_min": 500.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to members only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/f5ff9e62-493b-47e6-9c13-62cc0a829aa7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/f5ff9e62-493b-47e6-9c13-62cc0a829aa7.json",
      "product_url": "https://form.bankfirst.com.au/account-application",
      "bank_last_updated": "2026-07-05T23:40:50.568693Z"
     },
     {
      "rank": 2,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 9 Months",
      "product_label": "Package TD 9 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/30",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/30.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-09-03T02:00:33.2086394Z"
     },
     {
      "rank": 3,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To open an account, you must have a valid email address and an Australian mobile number.",
       "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD01.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD01.1.json",
      "product_url": "https://apply.heartlandbank.com.au/banking/HBSelfService/servletcontroller?ProductType=CBL_DEPOSIT_TERM_MB&CustomerType=Individual",
      "bank_last_updated": "2026-09-29T06:16:43Z"
     },
     {
      "rank": 4,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 5,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 9 months",
      "product_label": "Term Deposit 9 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/4b265f3c-7abc-4587-a86a-91601b228ddf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/4b265f3c-7abc-4587-a86a-91601b228ddf.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=209",
      "bank_last_updated": "2026-09-21T22:00:22.842Z"
     },
     {
      "rank": 6,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 9 Mth Capitalise",
      "product_label": "INV - 9 Mth Capitalise",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 200000.0,
      "tier_max": null,
      "deposit_min": 200000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/16",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/16.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-09-28T12:00:30.9399881Z"
     },
     {
      "rank": 7,
      "brand": "ME Bank - ME Go",
      "brand_label": "ME Bank",
      "brand_slug": "me-bank-me-go",
      "product_name": "ME Go Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cds.mebank.com.au/cds-au/v1/banking/products/0f039bda-f265-f011-bec3-002248106111",
      "source_snapshot": "/au/finance/term-deposits/v1/source/me-bank-me-go/0f039bda-f265-f011-bec3-002248106111.json",
      "product_url": "https://www.mebank.com.au/term-deposits/",
      "bank_last_updated": "2026-09-20T22:59:11Z"
     },
     {
      "rank": 8,
      "brand": "QBANK",
      "brand_label": "QBank",
      "brand_slug": "qbank",
      "product_name": "Term Deposit 9 Month",
      "product_label": "Term Deposit 9 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": 250000.0,
      "tier_max": 9999999.0,
      "deposit_min": 250000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You do not have to be a member of Qbank to hold a term deposit."
      ],
      "stacked_bonus": null,
      "source_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/I19_Term_9",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qbank/I19_Term_9.json",
      "product_url": "https://www.qbank.com.au/products/accounts/term-deposits",
      "bank_last_updated": "2026-08-20T19:52:04.000+10:00"
     },
     {
      "rank": 9,
      "brand": "Qudos Bank",
      "brand_label": "Qudos Bank",
      "brand_slug": "qudos-bank",
      "product_name": "Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products/f435abef-eaed-4d9f-a535-5c2925645472",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qudos-bank/f435abef-eaed-4d9f-a535-5c2925645472.json",
      "product_url": "https://www.qudosbank.com.au/products/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T22:00:26.783Z"
     },
     {
      "rank": 10,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 11,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 100000.0,
      "tier_max": 999999.0,
      "deposit_min": 100000.0,
      "deposit_max": 999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 12,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 13,
      "brand": "Border Bank",
      "brand_label": "Border Bank",
      "brand_slug": "border-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/797f3952-486a-4683-9bcc-462ad80599fd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/border-bank/797f3952-486a-4683-9bcc-462ad80599fd.json",
      "product_url": "https://www.borderbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:29.599Z"
     },
     {
      "rank": 14,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 15,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "E&P - Regular Term Deposit",
      "product_label": "E&P - Regular Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through Evans & Partners."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/1f5230e2-e251-4a80-a827-65f136e5d489",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/1f5230e2-e251-4a80-a827-65f136e5d489.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.411989Z"
     },
     {
      "rank": 16,
      "brand": "Police Bank",
      "brand_label": "Police Bank",
      "brand_slug": "police-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/934b3b27-224e-41b9-a827-2032ec619780",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-bank/934b3b27-224e-41b9-a827-2032ec619780.json",
      "product_url": "https://www.policebank.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:27.339Z"
     },
     {
      "rank": 17,
      "brand": "Police Credit Union Ltd",
      "brand_label": "Police Credit Union",
      "brand_slug": "police-credit-union-ltd",
      "product_name": "YORKETOWN TERM DEPOSIT",
      "product_label": "Yorketown Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": 2500000.0,
      "tier_min": 50000.0,
      "tier_max": 2500000.0,
      "deposit_min": 50000.0,
      "deposit_max": 2500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/I76_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-credit-union-ltd/I76_TERM_DEPOSIT.json",
      "product_url": "https://www.policecu.com.au/rates/",
      "bank_last_updated": "2026-04-30T15:05:43.000+09:30"
     },
     {
      "rank": 18,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "9 Month Fixed Term",
      "product_label": "9 Month Fixed Term",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 2000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/9MTH_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/9MTH_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-16T10:54:01.000+10:00"
     },
     {
      "rank": 19,
      "brand": "BOQ Specialist",
      "brand_label": "BOQ Specialist",
      "brand_slug": "boq-specialist",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": 270,
      "term_days_min": 270,
      "term_days_max": 270,
      "term_raw": "P270D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 100000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 100000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively available to medical professionals and accountants"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/78906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/boq-specialist/78906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boqspecialist.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-21T00:19:38Z"
     },
     {
      "rank": 20,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "myBOQ Term Deposit",
      "product_label": "myBOQ Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/6db81f83-f265-f011-bec3-002248106111",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/6db81f83-f265-f011-bec3-002248106111.json",
      "product_url": "https://www.boq.com.au/personal/bank-and-save/term-deposits",
      "bank_last_updated": "2026-09-20T23:19:10Z"
     },
     {
      "rank": 21,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "Term Deposit 9 Months",
      "product_label": "Term Deposit 9 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I20_Term_Deposit_9_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I20_Term_Deposit_9_months.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:55:48.000+10:00"
     },
     {
      "rank": 22,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 23,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "NATIONAL SENIORS TERM DEPOSIT",
      "product_label": "National Seniors Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 3000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through National Seniors Australia"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6f474df2-c438-4132-939f-9730d5e45165",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/6f474df2-c438-4132-939f-9730d5e45165.json",
      "product_url": "https://nationalseniors.com.au/services/financial/termdeposit",
      "bank_last_updated": "2026-09-29T09:16:28.000+10:00"
     },
     {
      "rank": 24,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": 269,
      "term_days_max": 298,
      "term_raw": "P298D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 500000.0,
      "deposit_min": 100000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 25,
      "brand": "Hume Bank",
      "brand_label": "Hume Bank",
      "brand_slug": "hume-bank",
      "product_name": "Term Deposit Online 9M (Interest at Maturity)",
      "product_label": "Term Deposit Online 9M (Interest at Maturity)",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "personal eligibility inferred: the bank's feed tags every term deposit business-only"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/9M_Online",
      "source_snapshot": "/au/finance/term-deposits/v1/source/hume-bank/9M_Online.json",
      "product_url": "https://www.humebank.com.au/savings/term-deposits/",
      "bank_last_updated": "2026-09-17T20:46:56.000+10:00"
     },
     {
      "rank": 26,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": 270,
      "term_days_min": 270,
      "term_days_max": 270,
      "term_raw": "P270D",
      "min_balance": 10000.0,
      "max_balance": 5000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an Australian resident for taxation purposes."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/26ab99ae-81ed-44d0-933f-b6d9f0f4b004",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/26ab99ae-81ed-44d0-933f-b6d9f0f4b004.json",
      "product_url": "https://www.ing.com.au/savings/term-deposit.html",
      "bank_last_updated": "2026-09-13T14:00:00.000Z"
     },
     {
      "rank": 27,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 28,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Online Term Deposit",
      "product_label": "Online Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 100000.01,
      "tier_max": 250000.0,
      "deposit_min": 100000.01,
      "deposit_max": 250000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "New customers are required to open and maintain a High Interest Savings Account (HISA) which is a variable rate at-call savings account which does not charge f…",
       "loyalty bonus on rollover"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/9b82ebfd-cd77-4c6c-a8de-880fdabf0bf4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/9b82ebfd-cd77-4c6c-a8de-880fdabf0bf4.json",
      "product_url": "https://myapplication.rabobank.com.au/apply?CONT=AU&PID=TERMDEP",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 29,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 30,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 1000000.0,
      "deposit_min": 100000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 31,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 32,
      "brand": "Horizon Bank",
      "brand_label": "Horizon Bank",
      "brand_slug": "horizon-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/I50_I500001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/horizon-bank/I50_I500001.json",
      "product_url": "https://horizonbank.com.au/forms/savings-account-or-term-deposit-application/",
      "bank_last_updated": "2026-08-17T17:59:37.000+10:00"
     },
     {
      "rank": 33,
      "brand": "The Mac",
      "brand_label": "The Mac",
      "brand_slug": "the-mac",
      "product_name": "TERM SAVINGS I4",
      "product_label": "Term Savings I4",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/I4_TERMDEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-mac/I4_TERMDEPOSIT.json",
      "product_url": "https://themaccu.com.au/solutions/everyday-banking-investments/all-everyday-banking-investments/",
      "bank_last_updated": "2026-08-24T08:38:40.000+10:00"
     },
     {
      "rank": 34,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Term Deposit 9 months",
      "product_label": "Term Deposit 9 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/219",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/219.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 35,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 9 Months",
      "product_label": "Term Deposit - 9 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/9",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/9.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 36,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Standard Rate Term Deposit 1-12 months",
      "product_label": "Standard Rate Term Deposit 1-12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1000-0500",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1000-0500.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 37,
      "brand": "Australian Mutual Bank LTD",
      "brand_label": "Australian Mutual Bank",
      "brand_slug": "australian-mutual-bank-ltd",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0455,
      "rate_pct": 4.55,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": 270,
      "term_days_max": 299,
      "term_raw": "P299D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/74073f50-1e84-11f1-b37a-325096b39f47",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-mutual-bank-ltd/74073f50-1e84-11f1-b37a-325096b39f47.json",
      "product_url": "https://australianmutual.bank/banking/term-deposits/",
      "bank_last_updated": "2026-08-26T14:27:19.000+10:00"
     },
     {
      "rank": 38,
      "brand": "Firefighters Mutual Bank",
      "brand_label": "Firefighters Mutual Bank",
      "brand_slug": "firefighters-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0455,
      "rate_pct": 4.55,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": 270,
      "term_days_max": 299,
      "term_raw": "P299D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/aa76cccb-0cf7-4330-8eb6-e2756aefce0e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/firefighters-mutual-bank/aa76cccb-0cf7-4330-8eb6-e2756aefce0e.json",
      "product_url": "https://www.fmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:15:19.000+10:00"
     },
     {
      "rank": 39,
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0455,
      "rate_pct": 4.55,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": 270,
      "term_days_max": 299,
      "term_raw": "P299D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/d45a38f4-5462-4883-8239-7eaea4e2871b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/health-professionals-bank/d45a38f4-5462-4883-8239-7eaea4e2871b.json",
      "product_url": "https://www.hpbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-14T09:14:44.000+10:00"
     },
     {
      "rank": 40,
      "brand": "Teachers Mutual Bank",
      "brand_label": "Teachers Mutual Bank",
      "brand_slug": "teachers-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0455,
      "rate_pct": 4.55,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": 270,
      "term_days_max": 299,
      "term_raw": "P299D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/e556280d-1d2b-4fb1-b22f-151e8050bdda",
      "source_snapshot": "/au/finance/term-deposits/v1/source/teachers-mutual-bank/e556280d-1d2b-4fb1-b22f-151e8050bdda.json",
      "product_url": "https://www.tmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:18:27.000+10:00"
     },
     {
      "rank": 41,
      "brand": "UniBank",
      "brand_label": "UniBank",
      "brand_slug": "unibank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0455,
      "rate_pct": 4.55,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": 270,
      "term_days_max": 299,
      "term_raw": "P299D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unibank/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c.json",
      "product_url": "https://www.unibank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:25:09.000+10:00"
     },
     {
      "rank": 42,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 499999.0,
      "deposit_min": 100000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 43,
      "brand": "Bank of China",
      "brand_label": "Bank of China",
      "brand_slug": "bank-of-china",
      "product_name": "Term Deposit AUD 9M",
      "product_label": "Term Deposit AUD 9M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "Term Deposit AUD 9M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/55090855",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-china/55090855.json",
      "product_url": "https://www.bankofchina.com/au/en/pbservice/pb1/201712/t20171214_10912803.html",
      "bank_last_updated": "2026-03-27T14:00:00.000+11:00"
     },
     {
      "rank": 44,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "24 MONTHS",
      "product_label": "24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/24MTH_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/24MTH_TERM_DEPOSIT.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-07-02T11:03:33.000+10:00"
     },
     {
      "rank": 45,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.044,
      "rate_pct": 4.4,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 46,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (51)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.044,
      "rate_pct": 4.4,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 200000.0,
      "max_balance": 500000.0,
      "tier_min": 200000.0,
      "tier_max": 500000.0,
      "deposit_min": 200000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_9M_%24200%2C000_plus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_9M__200_000_plus.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 47,
      "brand": "Australian Military Bank",
      "brand_label": "Australian Military Bank",
      "brand_slug": "australian-military-bank",
      "product_name": "Teen Plus",
      "product_label": "Teen Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.043,
      "rate_pct": 4.3,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 500.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 18 and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4f86dc3e-4af2-40a4-adcf-210d341f538f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-military-bank/4f86dc3e-4af2-40a4-adcf-210d341f538f.json",
      "product_url": "https://www.australianmilitarybank.com.au/term-deposits",
      "bank_last_updated": "2026-08-24T23:18:21.610306Z"
     },
     {
      "rank": 48,
      "brand": "Laboratories Credit Union",
      "brand_label": "Laboratories Credit Union",
      "brand_slug": "laboratories-credit-union",
      "product_name": "Monthly Interest 12 Month Term Deposit",
      "product_label": "Monthly Interest 12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "monthly",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…",
       "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…"
      ],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/laboratories-credit-union/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS.json",
      "product_url": "https://join.lcu.com.au/getting-started",
      "bank_last_updated": "2026-10-02T14:13:39.000+10:00"
     },
     {
      "rank": 49,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": 245,
      "term_days_max": 274,
      "term_raw": "P274D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 50,
      "brand": "Woolworths Team Bank",
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "product_name": "9 MONTHS",
      "product_label": "9 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 2000.0,
      "tier_max": 1000000.0,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership is open to team members of Woolworths and Endeavour Groups, their immediate family members, and those with an affinity to Woolworths Group."
      ],
      "stacked_bonus": null,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/I9",
      "source_snapshot": "/au/finance/term-deposits/v1/source/woolworths-team-bank/I9.json",
      "product_url": "https://woolworthsteambank.snapforms.com.au/form/term-deposit-form",
      "bank_last_updated": "2026-07-08T13:14:23.000+10:00"
     },
     {
      "rank": 51,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "9 Month Term Deposit",
      "product_label": "9 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/105",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/105.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/standard-term-deposit/",
      "bank_last_updated": "2026-06-11T04:00:41.6927295Z"
     },
     {
      "rank": 52,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 53,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "9 Month Term Deposit",
      "product_label": "9 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/22",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/22.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-06-28T16:00:22.3851793Z"
     },
     {
      "rank": 54,
      "brand": "Queensland Country Bank",
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "product_name": "FTD - Interest at Maturity",
      "product_label": "FTD - Interest at Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/40",
      "source_snapshot": "/au/finance/term-deposits/v1/source/queensland-country-bank/40.json",
      "product_url": "https://www.queenslandcountry.bank/banking/savings-accounts/term-deposits/",
      "bank_last_updated": "2026-10-02T14:00:24.0731915Z"
     },
     {
      "rank": 55,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 56,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 57,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 58,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 59,
      "brand": "gmcu",
      "brand_label": "GMCU",
      "brand_slug": "gmcu",
      "product_name": "Fixed Term Deposit - 9 to 10 months",
      "product_label": "Fixed Term Deposit - 9 to 10 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 100.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 1000000.0,
      "deposit_min": 4999.01,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must become a member. Visit our website for more details."
      ],
      "stacked_bonus": null,
      "source_url": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Term_deposit_-_9_to_10_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gmcu/Term_deposit_-_9_to_10_months.json",
      "product_url": "https://www.gmcu.com.au/banking/term-deposits/view-all-term-deposits/",
      "bank_last_updated": "2026-04-09T14:17:44.000+10:00"
     },
     {
      "rank": 60,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 61,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 62,
      "brand": "SWSbank",
      "brand_label": "SWS Bank",
      "brand_slug": "swsbank",
      "product_name": "9 Month Term Deposit",
      "product_label": "9 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 9999999.0,
      "deposit_min": 50000.0,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/I3_TD_9Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/swsbank/I3_TD_9Months.json",
      "product_url": "https://swscu.apply-online.com.au/#/3e8f1c2b-4724-4a65-b5d0-2d7eaf64b99b",
      "bank_last_updated": "2026-05-11T16:53:22.000+10:00"
     },
     {
      "rank": 63,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 64,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest @ Maturity",
      "product_label": "Term Investment - Interest @ Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3000",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3000.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-27T14:00:00Z"
     },
     {
      "rank": 65,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": 256,
      "term_days_max": 285,
      "term_raw": "P256D - P285D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 66,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "6M TO LESS THAN 12M",
      "product_label": "6M to Less Than 12M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/6M_TO_LESS_THAN_12M",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/6M_TO_LESS_THAN_12M.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/term-deposits/",
      "bank_last_updated": "2026-08-04T09:47:40.000+10:00"
     },
     {
      "rank": 67,
      "brand": "Central Murray Bank",
      "brand_label": "Central Murray Bank",
      "brand_slug": "central-murray-bank",
      "product_name": "TERM DEPOSIT 9 MONTHS",
      "product_label": "Term Deposit 9 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 3500000.0,
      "deposit_min": 50000.0,
      "deposit_max": 3500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/I3_9month",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-murray-bank/I3_9month.json",
      "product_url": "https://www.centralmurray.bank/invest/term-deposits/",
      "bank_last_updated": "2026-05-20T14:02:39.000+10:00"
     },
     {
      "rank": 68,
      "brand": "Central West CUL",
      "brand_label": "Central West Credit Union",
      "brand_slug": "central-west-cul",
      "product_name": "$5000+ (6m to <12m) I3",
      "product_label": "$5000+ (6m to <12m) I3",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 180,
      "term_days_max": 364,
      "term_raw": "P364D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1000000.0,
      "deposit_min": 50000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/I3_Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-west-cul/I3_Fixed_Term_Deposit.json",
      "product_url": "https://www.cwcu.com.au/savings/fixed-term-deposits",
      "bank_last_updated": "2026-04-30T16:40:29.000+10:00"
     },
     {
      "rank": 69,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.032,
      "rate_pct": 3.2,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 5000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/bd41ed42-262c-4445-a7f6-f3b61314ec0c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/bd41ed42-262c-4445-a7f6-f3b61314ec0c.json",
      "product_url": "https://www.bendigobank.com.au/personal/term-deposits/term-deposit-enquiry/",
      "bank_last_updated": "2026-09-24T14:32:23.011Z"
     },
     {
      "rank": 70,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "6-11 months >$25K",
      "product_label": "6-11 Months >$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.031,
      "rate_pct": 3.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 25000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_4.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 71,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     },
     {
      "rank": 72,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0225,
      "rate_pct": 2.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M/P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     }
    ],
    "10": [
     {
      "rank": 1,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Term Deposit 10 month",
      "product_label": "Term Deposit 10 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/290",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/290.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-05-20T00:00:00.000+10:00"
     },
     {
      "rank": 2,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 3,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "9 Month Fixed Term",
      "product_label": "9 Month Fixed Term",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 2000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/9MTH_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/9MTH_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-16T10:54:01.000+10:00"
     },
     {
      "rank": 4,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "NATIONAL SENIORS TERM DEPOSIT",
      "product_label": "National Seniors Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 3000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through National Seniors Australia"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6f474df2-c438-4132-939f-9730d5e45165",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/6f474df2-c438-4132-939f-9730d5e45165.json",
      "product_url": "https://nationalseniors.com.au/services/financial/termdeposit",
      "bank_last_updated": "2026-09-29T09:16:28.000+10:00"
     },
     {
      "rank": 5,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Regular Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/8546b224-85ce-40b4-ba09-3390398b5c4e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/8546b224-85ce-40b4-ba09-3390398b5c4e.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.482282Z"
     },
     {
      "rank": 6,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 1000000.0,
      "deposit_min": 100000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 7,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     },
     {
      "rank": 8,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 9,
      "brand": "Queensland Country Bank",
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "product_name": "Special 10 month",
      "product_label": "Special 10 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/82",
      "source_snapshot": "/au/finance/term-deposits/v1/source/queensland-country-bank/82.json",
      "product_url": "https://www.queenslandcountry.bank/banking/savings-accounts/term-deposits/",
      "bank_last_updated": "2026-10-02T14:00:24.0731915Z"
     },
     {
      "rank": 10,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "12 Month Regular Income",
      "product_label": "12 Month Regular Income",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I3_TermDeposit_12mthIncome",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I3_TermDeposit_12mthIncome.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:59:19.000+10:00"
     },
     {
      "rank": 11,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 10 Months",
      "product_label": "Term Deposit - 10 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/10",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/10.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 12,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Standard Rate Term Deposit 1-12 months",
      "product_label": "Standard Rate Term Deposit 1-12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1000-0500",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1000-0500.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 13,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 499999.0,
      "deposit_min": 100000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 14,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "24 MONTHS",
      "product_label": "24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/24MTH_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/24MTH_TERM_DEPOSIT.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-07-02T11:03:33.000+10:00"
     },
     {
      "rank": 15,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 16,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.044,
      "rate_pct": 4.4,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 17,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0425,
      "rate_pct": 4.25,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 18,
      "brand": "Australian Mutual Bank LTD",
      "brand_label": "Australian Mutual Bank",
      "brand_slug": "australian-mutual-bank-ltd",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": 300,
      "term_days_max": 329,
      "term_raw": "P329D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/74073f50-1e84-11f1-b37a-325096b39f47",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-mutual-bank-ltd/74073f50-1e84-11f1-b37a-325096b39f47.json",
      "product_url": "https://australianmutual.bank/banking/term-deposits/",
      "bank_last_updated": "2026-08-26T14:27:19.000+10:00"
     },
     {
      "rank": 19,
      "brand": "Firefighters Mutual Bank",
      "brand_label": "Firefighters Mutual Bank",
      "brand_slug": "firefighters-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": 300,
      "term_days_max": 329,
      "term_raw": "P329D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/aa76cccb-0cf7-4330-8eb6-e2756aefce0e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/firefighters-mutual-bank/aa76cccb-0cf7-4330-8eb6-e2756aefce0e.json",
      "product_url": "https://www.fmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:15:19.000+10:00"
     },
     {
      "rank": 20,
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": 300,
      "term_days_max": 329,
      "term_raw": "P329D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/d45a38f4-5462-4883-8239-7eaea4e2871b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/health-professionals-bank/d45a38f4-5462-4883-8239-7eaea4e2871b.json",
      "product_url": "https://www.hpbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-14T09:14:44.000+10:00"
     },
     {
      "rank": 21,
      "brand": "Teachers Mutual Bank",
      "brand_label": "Teachers Mutual Bank",
      "brand_slug": "teachers-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": 300,
      "term_days_max": 329,
      "term_raw": "P329D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/e556280d-1d2b-4fb1-b22f-151e8050bdda",
      "source_snapshot": "/au/finance/term-deposits/v1/source/teachers-mutual-bank/e556280d-1d2b-4fb1-b22f-151e8050bdda.json",
      "product_url": "https://www.tmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:18:27.000+10:00"
     },
     {
      "rank": 22,
      "brand": "UniBank",
      "brand_label": "UniBank",
      "brand_slug": "unibank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": 300,
      "term_days_max": 329,
      "term_raw": "P329D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unibank/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c.json",
      "product_url": "https://www.unibank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:25:09.000+10:00"
     },
     {
      "rank": 23,
      "brand": "Australian Military Bank",
      "brand_label": "Australian Military Bank",
      "brand_slug": "australian-military-bank",
      "product_name": "Teen Plus",
      "product_label": "Teen Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 500.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 18 and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4f86dc3e-4af2-40a4-adcf-210d341f538f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-military-bank/4f86dc3e-4af2-40a4-adcf-210d341f538f.json",
      "product_url": "https://www.australianmilitarybank.com.au/term-deposits",
      "bank_last_updated": "2026-08-24T23:18:21.610306Z"
     },
     {
      "rank": 24,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 299,
      "term_days_max": 358,
      "term_raw": "P358D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 500000.0,
      "deposit_min": 100000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 25,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 200000.0,
      "max_balance": 500000.0,
      "tier_min": 200000.0,
      "tier_max": 500000.0,
      "deposit_min": 200000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_10M_%24200%2C000_plus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_10M__200_000_plus.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 26,
      "brand": "Laboratories Credit Union",
      "brand_label": "Laboratories Credit Union",
      "brand_slug": "laboratories-credit-union",
      "product_name": "Monthly Interest 12 Month Term Deposit",
      "product_label": "Monthly Interest 12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "monthly",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…",
       "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…"
      ],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/laboratories-credit-union/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS.json",
      "product_url": "https://join.lcu.com.au/getting-started",
      "bank_last_updated": "2026-10-02T14:13:39.000+10:00"
     },
     {
      "rank": 27,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": 275,
      "term_days_max": 305,
      "term_raw": "P305D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 28,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 29,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 30,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 31,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 32,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 33,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 100000.0,
      "tier_max": 999999.0,
      "deposit_min": 100000.0,
      "deposit_max": 999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 34,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 35,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 36,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 37,
      "brand": "gmcu",
      "brand_label": "GMCU",
      "brand_slug": "gmcu",
      "product_name": "Fixed Term Deposit - 9 to 10 months",
      "product_label": "Fixed Term Deposit - 9 to 10 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 100.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 1000000.0,
      "deposit_min": 4999.01,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must become a member. Visit our website for more details."
      ],
      "stacked_bonus": null,
      "source_url": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Term_deposit_-_9_to_10_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gmcu/Term_deposit_-_9_to_10_months.json",
      "product_url": "https://www.gmcu.com.au/banking/term-deposits/view-all-term-deposits/",
      "bank_last_updated": "2026-04-09T14:17:44.000+10:00"
     },
     {
      "rank": 38,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest @ Maturity",
      "product_label": "Term Investment - Interest @ Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3000",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3000.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-27T14:00:00Z"
     },
     {
      "rank": 39,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": 286,
      "term_days_max": 315,
      "term_raw": "P286D - P315D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 40,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "10 Month Term Deposit",
      "product_label": "10 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/20",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/20.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-06-28T16:00:22.3851793Z"
     },
     {
      "rank": 41,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "10 Month Term Deposit",
      "product_label": "10 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/106",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/106.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/standard-term-deposit/",
      "bank_last_updated": "2026-06-11T04:00:41.6927295Z"
     },
     {
      "rank": 42,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "6M TO LESS THAN 12M",
      "product_label": "6M to Less Than 12M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/6M_TO_LESS_THAN_12M",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/6M_TO_LESS_THAN_12M.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/term-deposits/",
      "bank_last_updated": "2026-08-04T09:47:40.000+10:00"
     },
     {
      "rank": 43,
      "brand": "Central Murray Bank",
      "brand_label": "Central Murray Bank",
      "brand_slug": "central-murray-bank",
      "product_name": "TERM DEPOSIT 10 MONTH",
      "product_label": "Term Deposit 10 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 3500000.0,
      "deposit_min": 50000.0,
      "deposit_max": 3500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/I6_10month",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-murray-bank/I6_10month.json",
      "product_url": "https://www.centralmurray.bank/invest/term-deposits/",
      "bank_last_updated": "2026-05-20T14:02:39.000+10:00"
     },
     {
      "rank": 44,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 45,
      "brand": "Central West CUL",
      "brand_label": "Central West Credit Union",
      "brand_slug": "central-west-cul",
      "product_name": "$5000+ (6m to <12m) I3",
      "product_label": "$5000+ (6m to <12m) I3",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 180,
      "term_days_max": 364,
      "term_raw": "P364D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1000000.0,
      "deposit_min": 50000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/I3_Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-west-cul/I3_Fixed_Term_Deposit.json",
      "product_url": "https://www.cwcu.com.au/savings/fixed-term-deposits",
      "bank_last_updated": "2026-04-30T16:40:29.000+10:00"
     },
     {
      "rank": 46,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 5000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/bd41ed42-262c-4445-a7f6-f3b61314ec0c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/bd41ed42-262c-4445-a7f6-f3b61314ec0c.json",
      "product_url": "https://www.bendigobank.com.au/personal/term-deposits/term-deposit-enquiry/",
      "bank_last_updated": "2026-09-24T14:32:23.011Z"
     },
     {
      "rank": 47,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "6-11 months >$25K",
      "product_label": "6-11 Months >$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.031,
      "rate_pct": 3.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 25000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_4.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 48,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0225,
      "rate_pct": 2.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M/P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 49,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 10 Months",
      "product_label": "Package TD 10 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.012,
      "rate_pct": 1.2,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/31",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/31.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "11": [
     {
      "rank": 1,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "NATIONAL SENIORS TERM DEPOSIT",
      "product_label": "National Seniors Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 3000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through National Seniors Australia"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6f474df2-c438-4132-939f-9730d5e45165",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/6f474df2-c438-4132-939f-9730d5e45165.json",
      "product_url": "https://nationalseniors.com.au/services/financial/termdeposit",
      "bank_last_updated": "2026-09-29T09:16:28.000+10:00"
     },
     {
      "rank": 2,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": 330,
      "term_days_min": 330,
      "term_days_max": 330,
      "term_raw": "P330D",
      "min_balance": 10000.0,
      "max_balance": 5000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an Australian resident for taxation purposes."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/26ab99ae-81ed-44d0-933f-b6d9f0f4b004",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/26ab99ae-81ed-44d0-933f-b6d9f0f4b004.json",
      "product_url": "https://www.ing.com.au/savings/term-deposit.html",
      "bank_last_updated": "2026-09-13T14:00:00.000Z"
     },
     {
      "rank": 3,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Regular Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/8546b224-85ce-40b4-ba09-3390398b5c4e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/8546b224-85ce-40b4-ba09-3390398b5c4e.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.482282Z"
     },
     {
      "rank": 4,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 5,
      "brand": "Bank of China",
      "brand_label": "Bank of China",
      "brand_slug": "bank-of-china",
      "product_name": "Term Deposit AUD 11M",
      "product_label": "Term Deposit AUD 11M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "Term Deposit AUD 11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/55090857",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-china/55090857.json",
      "product_url": "https://www.bankofchina.com/au/en/pbservice/pb1/201712/t20171214_10912803.html",
      "bank_last_updated": "2026-04-30T22:00:00.000+10:00"
     },
     {
      "rank": 6,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 7,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "9 Month Fixed Term",
      "product_label": "9 Month Fixed Term",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 2000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/9MTH_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/9MTH_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-16T10:54:01.000+10:00"
     },
     {
      "rank": 8,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Platinum Plus Term Deposit 12 months",
      "product_label": "Platinum Plus Term Deposit 12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 55 and over: To receive the Platinum Plus Club Member rates, the account owner of the term deposit must be either an individual aged 55 years or over, or a…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1000-0600",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1000-0600.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits/platinum-plus-term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 9,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 10,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 1000000.0,
      "deposit_min": 100000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 11,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "12 Month Regular Income",
      "product_label": "12 Month Regular Income",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I3_TermDeposit_12mthIncome",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I3_TermDeposit_12mthIncome.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:59:19.000+10:00"
     },
     {
      "rank": 12,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 11 Months",
      "product_label": "Term Deposit - 11 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/11",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/11.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 13,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Term Deposit 11 month",
      "product_label": "Term Deposit 11 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/281",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/281.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 14,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 499999.0,
      "deposit_min": 100000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 15,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "24 MONTHS",
      "product_label": "24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/24MTH_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/24MTH_TERM_DEPOSIT.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-07-02T11:03:33.000+10:00"
     },
     {
      "rank": 16,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 17,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.044,
      "rate_pct": 4.4,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 18,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0425,
      "rate_pct": 4.25,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 19,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0415,
      "rate_pct": 4.15,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 100000.0,
      "tier_max": 999999.0,
      "deposit_min": 100000.0,
      "deposit_max": 999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 20,
      "brand": "Australian Mutual Bank LTD",
      "brand_label": "Australian Mutual Bank",
      "brand_slug": "australian-mutual-bank-ltd",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 330,
      "term_days_max": 364,
      "term_raw": "P364D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/74073f50-1e84-11f1-b37a-325096b39f47",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-mutual-bank-ltd/74073f50-1e84-11f1-b37a-325096b39f47.json",
      "product_url": "https://australianmutual.bank/banking/term-deposits/",
      "bank_last_updated": "2026-08-26T14:27:19.000+10:00"
     },
     {
      "rank": 21,
      "brand": "Firefighters Mutual Bank",
      "brand_label": "Firefighters Mutual Bank",
      "brand_slug": "firefighters-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 330,
      "term_days_max": 364,
      "term_raw": "P364D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/aa76cccb-0cf7-4330-8eb6-e2756aefce0e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/firefighters-mutual-bank/aa76cccb-0cf7-4330-8eb6-e2756aefce0e.json",
      "product_url": "https://www.fmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:15:19.000+10:00"
     },
     {
      "rank": 22,
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 330,
      "term_days_max": 364,
      "term_raw": "P364D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/d45a38f4-5462-4883-8239-7eaea4e2871b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/health-professionals-bank/d45a38f4-5462-4883-8239-7eaea4e2871b.json",
      "product_url": "https://www.hpbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-14T09:14:44.000+10:00"
     },
     {
      "rank": 23,
      "brand": "Teachers Mutual Bank",
      "brand_label": "Teachers Mutual Bank",
      "brand_slug": "teachers-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 330,
      "term_days_max": 364,
      "term_raw": "P364D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/e556280d-1d2b-4fb1-b22f-151e8050bdda",
      "source_snapshot": "/au/finance/term-deposits/v1/source/teachers-mutual-bank/e556280d-1d2b-4fb1-b22f-151e8050bdda.json",
      "product_url": "https://www.tmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:18:27.000+10:00"
     },
     {
      "rank": 24,
      "brand": "UniBank",
      "brand_label": "UniBank",
      "brand_slug": "unibank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 330,
      "term_days_max": 364,
      "term_raw": "P364D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unibank/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c.json",
      "product_url": "https://www.unibank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:25:09.000+10:00"
     },
     {
      "rank": 25,
      "brand": "Australian Military Bank",
      "brand_label": "Australian Military Bank",
      "brand_slug": "australian-military-bank",
      "product_name": "Teen Plus",
      "product_label": "Teen Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 500.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 18 and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4f86dc3e-4af2-40a4-adcf-210d341f538f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-military-bank/4f86dc3e-4af2-40a4-adcf-210d341f538f.json",
      "product_url": "https://www.australianmilitarybank.com.au/term-deposits",
      "bank_last_updated": "2026-08-24T23:18:21.610306Z"
     },
     {
      "rank": 26,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "11 Month Term Deposit",
      "product_label": "11 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/107",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/107.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/standard-term-deposit/",
      "bank_last_updated": "2026-06-11T04:00:41.6927295Z"
     },
     {
      "rank": 27,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 299,
      "term_days_max": 358,
      "term_raw": "P358D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 500000.0,
      "deposit_min": 100000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 28,
      "brand": "Laboratories Credit Union",
      "brand_label": "Laboratories Credit Union",
      "brand_slug": "laboratories-credit-union",
      "product_name": "Monthly Interest 12 Month Term Deposit",
      "product_label": "Monthly Interest 12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "monthly",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…",
       "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…"
      ],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/laboratories-credit-union/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS.json",
      "product_url": "https://join.lcu.com.au/getting-started",
      "bank_last_updated": "2026-10-02T14:13:39.000+10:00"
     },
     {
      "rank": 29,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (5)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 200000.0,
      "max_balance": 500000.0,
      "tier_min": 200000.0,
      "tier_max": 500000.0,
      "deposit_min": 200000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a membe of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_11M_%24200%2C000_plus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_11M__200_000_plus.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 30,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 306,
      "term_days_max": 335,
      "term_raw": "P335D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 31,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 32,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 33,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 34,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 35,
      "brand": "Queensland Country Bank",
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "product_name": "FTD - Interest at Maturity",
      "product_label": "FTD - Interest at Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/40",
      "source_snapshot": "/au/finance/term-deposits/v1/source/queensland-country-bank/40.json",
      "product_url": "https://www.queenslandcountry.bank/banking/savings-accounts/term-deposits/",
      "bank_last_updated": "2026-10-02T14:00:24.0731915Z"
     },
     {
      "rank": 36,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 37,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 38,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 39,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "11 Month Term Deposit",
      "product_label": "11 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/19",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/19.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-06-28T16:00:22.3851793Z"
     },
     {
      "rank": 40,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest @ Maturity",
      "product_label": "Term Investment - Interest @ Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3000",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3000.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-27T14:00:00Z"
     },
     {
      "rank": 41,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 316,
      "term_days_max": 345,
      "term_raw": "P316D - P345D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 42,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "6M TO LESS THAN 12M",
      "product_label": "6M to Less Than 12M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/6M_TO_LESS_THAN_12M",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/6M_TO_LESS_THAN_12M.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/term-deposits/",
      "bank_last_updated": "2026-08-04T09:47:40.000+10:00"
     },
     {
      "rank": 43,
      "brand": "Central Murray Bank",
      "brand_label": "Central Murray Bank",
      "brand_slug": "central-murray-bank",
      "product_name": "TERM DEPOSIT 11 MONTHS",
      "product_label": "Term Deposit 11 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 3500000.0,
      "deposit_min": 50000.0,
      "deposit_max": 3500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/I11_11month",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-murray-bank/I11_11month.json",
      "product_url": "https://www.centralmurray.bank/invest/",
      "bank_last_updated": "2026-05-20T14:02:39.000+10:00"
     },
     {
      "rank": 44,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 45,
      "brand": "Central West CUL",
      "brand_label": "Central West Credit Union",
      "brand_slug": "central-west-cul",
      "product_name": "$5000+ (6m to <12m) I3",
      "product_label": "$5000+ (6m to <12m) I3",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 180,
      "term_days_max": 364,
      "term_raw": "P364D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1000000.0,
      "deposit_min": 50000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/I3_Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-west-cul/I3_Fixed_Term_Deposit.json",
      "product_url": "https://www.cwcu.com.au/savings/fixed-term-deposits",
      "bank_last_updated": "2026-04-30T16:40:29.000+10:00"
     },
     {
      "rank": 46,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 5000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/bd41ed42-262c-4445-a7f6-f3b61314ec0c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/bd41ed42-262c-4445-a7f6-f3b61314ec0c.json",
      "product_url": "https://www.bendigobank.com.au/personal/term-deposits/term-deposit-enquiry/",
      "bank_last_updated": "2026-09-24T14:32:23.011Z"
     },
     {
      "rank": 47,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "6-11 months >$25K",
      "product_label": "6-11 Months >$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.031,
      "rate_pct": 3.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 25000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_4.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 48,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     },
     {
      "rank": 49,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0225,
      "rate_pct": 2.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M/P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 50,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 11 Months",
      "product_label": "Package TD 11 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.012,
      "rate_pct": 1.2,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/32",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/32.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     },
     {
      "rank": 51,
      "brand": "The Mac",
      "brand_label": "The Mac",
      "brand_slug": "the-mac",
      "product_name": "TERM SAVINGS I4",
      "product_label": "Term Savings I4",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0,
      "rate_pct": 0.0,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 1000000.0,
      "deposit_min": 100000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/I4_TERMDEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-mac/I4_TERMDEPOSIT.json",
      "product_url": "https://themaccu.com.au/solutions/everyday-banking-investments/all-everyday-banking-investments/",
      "bank_last_updated": "2026-08-24T08:38:40.000+10:00"
     }
    ],
    "12": [
     {
      "rank": 1,
      "brand": "CommFCU",
      "brand_label": "Community First Bank",
      "brand_slug": "commfcu",
      "product_name": "12 Month Term Deposit Special",
      "product_label": "12 Month Term Deposit Special",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.056,
      "rate_pct": 5.6,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 2000000.0,
      "deposit_min": 10000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/12_TERM_DEPOSIT_MTH_SPECIAL",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commfcu/12_TERM_DEPOSIT_MTH_SPECIAL.json",
      "product_url": "https://communityfirst.com.au/products/term-deposits",
      "bank_last_updated": "2026-10-02T11:08:30.000+10:00"
     },
     {
      "rank": 2,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 12 Months",
      "product_label": "Package TD 12 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.056,
      "rate_pct": 5.6,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/33",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/33.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-10-01T00:00:32.1421029Z"
     },
     {
      "rank": 3,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0555,
      "rate_pct": 5.55,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 4,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Broker Term Deposit",
      "product_label": "Broker Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0555,
      "rate_pct": 5.55,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 2000000.0,
      "deposit_min": 10000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This account is available via Australian Money Market",
       "available via broker or intermediary",
       "Minimum deposit for new customer is $10K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD03.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD03.1.json",
      "product_url": "https://www.heartlandbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-30T03:59:03Z"
     },
     {
      "rank": 5,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 12 months",
      "product_label": "Term Deposit 12 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.055,
      "rate_pct": 5.5,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/644d03e6-be3c-4d25-a6d3-31f3467b5dd9",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/644d03e6-be3c-4d25-a6d3-31f3467b5dd9.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=212",
      "bank_last_updated": "2026-09-14T22:00:23.894Z"
     },
     {
      "rank": 6,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "1 Year Term Deposit",
      "product_label": "1 Year Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.055,
      "rate_pct": 5.5,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": 365,
      "term_days_min": 365,
      "term_days_max": 365,
      "term_raw": "P365D",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.01,
      "tier_max": 9999999.99,
      "deposit_min": 500.01,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to members only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/993169e5-0490-4e85-a2c9-011f3c689e97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/993169e5-0490-4e85-a2c9-011f3c689e97.json",
      "product_url": "https://form.bankfirst.com.au/account-application",
      "bank_last_updated": "2026-09-16T23:04:02.131684Z"
     },
     {
      "rank": 7,
      "brand": "Qudos Bank",
      "brand_label": "Qudos Bank",
      "brand_slug": "qudos-bank",
      "product_name": "Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.055,
      "rate_pct": 5.5,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products/f435abef-eaed-4d9f-a535-5c2925645472",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qudos-bank/f435abef-eaed-4d9f-a535-5c2925645472.json",
      "product_url": "https://www.qudosbank.com.au/products/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T22:00:26.783Z"
     },
     {
      "rank": 8,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 9,
      "brand": "AMP Bank GO",
      "brand_label": "AMP Bank GO",
      "brand_slug": "amp-bank-go",
      "product_name": "AMP Bank GO 12 Month Term Deposit",
      "product_label": "12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Customers must have an active AMP Bank GO Everyday Account in order to open an AMP Bank GO Personal Term Deposit: Linked Transaction Account"
      ],
      "stacked_bonus": null,
      "source_url": "https://pub.cdr-sme.amp.com.au/api/cds-au/v1/banking/products/5c92f108-9e20-423b-82d4-e0d310184d25",
      "source_snapshot": "/au/finance/term-deposits/v1/source/amp-bank-go/5c92f108-9e20-423b-82d4-e0d310184d25.json",
      "product_url": "https://www.amp.com.au/personal-banking/everyday-money",
      "bank_last_updated": "2026-09-28T00:28:54.067Z"
     },
     {
      "rank": 10,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 100000.0,
      "tier_max": 999999.0,
      "deposit_min": 100000.0,
      "deposit_max": 999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 11,
      "brand": "ME Bank - ME Go",
      "brand_label": "ME Bank",
      "brand_slug": "me-bank-me-go",
      "product_name": "ME Go Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0537,
      "rate_pct": 5.37,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cds.mebank.com.au/cds-au/v1/banking/products/0f039bda-f265-f011-bec3-002248106111",
      "source_snapshot": "/au/finance/term-deposits/v1/source/me-bank-me-go/0f039bda-f265-f011-bec3-002248106111.json",
      "product_url": "https://www.mebank.com.au/term-deposits/",
      "bank_last_updated": "2026-09-20T22:59:11Z"
     },
     {
      "rank": 12,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 13,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "12MTH FIXED TERM DEPOSIT WEALTH BUILDER",
      "product_label": "12MTH Fixed Term Deposit Wealth Builder",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 50000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1000000.0,
      "deposit_min": 50000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "NEW MEMBER ONLY"
      ],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/12MNTH_WEALTH_BUILDER_TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/12MNTH_WEALTH_BUILDER_TD.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-05-15T10:25:29.000+10:00"
     },
     {
      "rank": 14,
      "brand": "QBANK",
      "brand_label": "QBank",
      "brand_slug": "qbank",
      "product_name": "Term Deposit 12 Month",
      "product_label": "Term Deposit 12 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": 250000.0,
      "tier_max": 9999999.0,
      "deposit_min": 250000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You do not have to be a member of Qbank to hold a term deposit."
      ],
      "stacked_bonus": null,
      "source_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/I12_Term_12",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qbank/I12_Term_12.json",
      "product_url": "https://www.qbank.com.au/products/accounts/term-deposits",
      "bank_last_updated": "2026-08-20T19:54:50.000+10:00"
     },
     {
      "rank": 15,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 16,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 17,
      "brand": "Australian Mutual Bank LTD",
      "brand_label": "Australian Mutual Bank",
      "brand_slug": "australian-mutual-bank-ltd",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": 365,
      "term_days_max": 394,
      "term_raw": "P394D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/74073f50-1e84-11f1-b37a-325096b39f47",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-mutual-bank-ltd/74073f50-1e84-11f1-b37a-325096b39f47.json",
      "product_url": "https://australianmutual.bank/banking/term-deposits/",
      "bank_last_updated": "2026-08-26T14:27:19.000+10:00"
     },
     {
      "rank": 18,
      "brand": "BOQ Specialist",
      "brand_label": "BOQ Specialist",
      "brand_slug": "boq-specialist",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 100000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 100000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively available to medical professionals and accountants"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/78906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/boq-specialist/78906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boqspecialist.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-21T00:19:38Z"
     },
     {
      "rank": 19,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online).",
       "linked account required",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 20,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "myBOQ Term Deposit",
      "product_label": "myBOQ Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/6db81f83-f265-f011-bec3-002248106111",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/6db81f83-f265-f011-bec3-002248106111.json",
      "product_url": "https://www.boq.com.au/personal/bank-and-save/term-deposits",
      "bank_last_updated": "2026-09-20T23:19:10Z"
     },
     {
      "rank": 21,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online).",
       "linked account required",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 22,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…",
       "Special rate for personal or SMSF customers only. Available on balances from $5,000 to $5,000,000 with interest paid annually."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 23,
      "brand": "Firefighters Mutual Bank",
      "brand_label": "Firefighters Mutual Bank",
      "brand_slug": "firefighters-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": 365,
      "term_days_max": 394,
      "term_raw": "P394D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/aa76cccb-0cf7-4330-8eb6-e2756aefce0e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/firefighters-mutual-bank/aa76cccb-0cf7-4330-8eb6-e2756aefce0e.json",
      "product_url": "https://www.fmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:15:19.000+10:00"
     },
     {
      "rank": 24,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "12 MONTH FIXED TERM",
      "product_label": "12 Month Fixed Term",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 13,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P13M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 2000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/12MTH_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/12MTH_TERM.json",
      "product_url": "https://firstoptionbank.com.au/online-forms/",
      "bank_last_updated": "2026-06-18T08:59:38.000+10:00"
     },
     {
      "rank": 25,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest @ Maturity",
      "product_label": "Term Investment - Interest @ Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3000",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3000.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-27T14:00:00Z"
     },
     {
      "rank": 26,
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": 365,
      "term_days_max": 394,
      "term_raw": "P394D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/d45a38f4-5462-4883-8239-7eaea4e2871b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/health-professionals-bank/d45a38f4-5462-4883-8239-7eaea4e2871b.json",
      "product_url": "https://www.hpbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-14T09:14:44.000+10:00"
     },
     {
      "rank": 27,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 10000.0,
      "max_balance": 5000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an Australian resident for taxation purposes."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/26ab99ae-81ed-44d0-933f-b6d9f0f4b004",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/26ab99ae-81ed-44d0-933f-b6d9f0f4b004.json",
      "product_url": "https://www.ing.com.au/savings/term-deposit.html",
      "bank_last_updated": "2026-09-13T14:00:00.000Z"
     },
     {
      "rank": 28,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": 336,
      "term_days_max": 365,
      "term_raw": "P365D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 29,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "E&P - Regular Term Deposit",
      "product_label": "E&P - Regular Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through Evans & Partners."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/1f5230e2-e251-4a80-a827-65f136e5d489",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/1f5230e2-e251-4a80-a827-65f136e5d489.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.411989Z"
     },
     {
      "rank": 30,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 31,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": 346,
      "term_days_max": 385,
      "term_raw": "P346D - P385D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 32,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 33,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online).",
       "linked account required",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 34,
      "brand": "Teachers Mutual Bank",
      "brand_label": "Teachers Mutual Bank",
      "brand_slug": "teachers-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": 365,
      "term_days_max": 394,
      "term_raw": "P394D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/e556280d-1d2b-4fb1-b22f-151e8050bdda",
      "source_snapshot": "/au/finance/term-deposits/v1/source/teachers-mutual-bank/e556280d-1d2b-4fb1-b22f-151e8050bdda.json",
      "product_url": "https://www.tmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:18:27.000+10:00"
     },
     {
      "rank": 35,
      "brand": "UniBank",
      "brand_label": "UniBank",
      "brand_slug": "unibank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": 365,
      "term_days_max": 394,
      "term_raw": "P394D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unibank/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c.json",
      "product_url": "https://www.unibank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:25:09.000+10:00"
     },
     {
      "rank": 36,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 37,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online only",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 38,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "NATIONAL SENIORS TERM DEPOSIT",
      "product_label": "National Seniors Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 3000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through National Seniors Australia"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6f474df2-c438-4132-939f-9730d5e45165",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/6f474df2-c438-4132-939f-9730d5e45165.json",
      "product_url": "https://nationalseniors.com.au/services/financial/termdeposit",
      "bank_last_updated": "2026-09-29T09:16:28.000+10:00"
     },
     {
      "rank": 39,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 40,
      "brand": "Coastline Bank",
      "brand_label": "Coastline Bank",
      "brand_slug": "coastline-bank",
      "product_name": "I51 Gold Mbr Ftd 12 Mths",
      "product_label": "I51 Gold Mbr Ftd 12 Mths",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 50 and over",
       "existing customers only",
       "new customers only",
       "Early Withdrawal: Withdrawals or transfers from the term deposit account before maturity are not permitted except in cases of hardship, for genuine needs and w…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.coastline.com.au/cds-au/v1/banking/products/11",
      "source_snapshot": "/au/finance/term-deposits/v1/source/coastline-bank/11.json",
      "product_url": "https://www.coastline.com.au/personal/gold-benefits-club",
      "bank_last_updated": "2026-06-01T00:00:14.8436551Z"
     },
     {
      "rank": 41,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 12 Months",
      "product_label": "Term Deposit - 12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/12",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/12.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 42,
      "brand": "Geelong Bank",
      "brand_label": "Geelong Bank",
      "brand_slug": "geelong-bank",
      "product_name": "Twelve Month Term Deposit",
      "product_label": "Twelve Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.geelongbank.com.au/OpenBanking/cds-au/v1/banking/products/I12.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/geelong-bank/I12.1.json",
      "product_url": "https://geelongbank.com.au/tools/forms/",
      "bank_last_updated": "2026-09-17T16:52:41.000+10:00"
     },
     {
      "rank": 43,
      "brand": "Hume Bank",
      "brand_label": "Hume Bank",
      "brand_slug": "hume-bank",
      "product_name": "Term Deposit 12M (Interest at Maturity)",
      "product_label": "Term Deposit 12M (Interest at Maturity)",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "personal eligibility inferred: the bank's feed tags every term deposit business-only"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/I1_12M",
      "source_snapshot": "/au/finance/term-deposits/v1/source/hume-bank/I1_12M.json",
      "product_url": "https://www.humebank.com.au/savings/term-deposits/",
      "bank_last_updated": "2026-09-17T20:48:05.000+10:00"
     },
     {
      "rank": 44,
      "brand": "Police Credit Union Ltd",
      "brand_label": "Police Credit Union",
      "brand_slug": "police-credit-union-ltd",
      "product_name": "YORKETOWN TERM DEPOSIT",
      "product_label": "Yorketown Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": 2500000.0,
      "tier_min": 50000.0,
      "tier_max": 2500000.0,
      "deposit_min": 50000.0,
      "deposit_max": 2500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/I76_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-credit-union-ltd/I76_TERM_DEPOSIT.json",
      "product_url": "https://www.policecu.com.au/rates/",
      "bank_last_updated": "2026-04-30T15:05:43.000+09:30"
     },
     {
      "rank": 45,
      "brand": "Queensland Country Bank",
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "product_name": "FTD - Interest at Maturity",
      "product_label": "FTD - Interest at Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/40",
      "source_snapshot": "/au/finance/term-deposits/v1/source/queensland-country-bank/40.json",
      "product_url": "https://www.queenslandcountry.bank/banking/savings-accounts/term-deposits/",
      "bank_last_updated": "2026-10-02T14:00:24.0731915Z"
     },
     {
      "rank": 46,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 47,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 1000000.0,
      "deposit_min": 100000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 48,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": 359,
      "term_days_max": 366,
      "term_raw": "P366D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 500000.0,
      "deposit_min": 100000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 49,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 50,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 12 Mth Capitalise",
      "product_label": "INV - 12 Mth Capitalise",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 200000.0,
      "tier_max": null,
      "deposit_min": 200000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/17",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/17.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-09-28T12:00:30.9399881Z"
     },
     {
      "rank": 51,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (9)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 200000.0,
      "max_balance": 500000.0,
      "tier_min": 200000.0,
      "tier_max": 500000.0,
      "deposit_min": 200000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_12M_%24200%2C000_plus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_12M__200_000_plus.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 52,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Term Deposit 12 months",
      "product_label": "Term Deposit 12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/213",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/213.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 53,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Platinum Plus Term Deposit 12 months",
      "product_label": "Platinum Plus Term Deposit 12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 55 and over: To receive the Platinum Plus Club Member rates, the account owner of the term deposit must be either an individual aged 55 years or over, or a…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1000-0600",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1000-0600.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits/platinum-plus-term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 54,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 55,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Online Term Deposit",
      "product_label": "Online Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 100000.01,
      "tier_max": 250000.0,
      "deposit_min": 100000.01,
      "deposit_max": 250000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "New customers are required to open and maintain a High Interest Savings Account (HISA) which is a variable rate at-call savings account which does not charge f…",
       "loyalty bonus on rollover"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/9b82ebfd-cd77-4c6c-a8de-880fdabf0bf4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/9b82ebfd-cd77-4c6c-a8de-880fdabf0bf4.json",
      "product_url": "https://myapplication.rabobank.com.au/apply?CONT=AU&PID=TERMDEP",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 56,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "Limited Offer 12 months",
      "product_label": "Limited Offer 12 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I2_12",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I2_12.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:45:48.000+10:00"
     },
     {
      "rank": 57,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 58,
      "brand": "The Capricornian",
      "brand_label": "The Capricornian",
      "brand_slug": "the-capricornian",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": 250000.0,
      "tier_min": 5000.0,
      "tier_max": 250000.0,
      "deposit_min": 5000.0,
      "deposit_max": 250000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to individuals, companies and trust for personal or business use.",
       "Is currently, or wishes to become, a shareholding member of The Capricornian Ltd."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/4ecba156-6b32-420b-8946-3f32b7a0504f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-capricornian/4ecba156-6b32-420b-8946-3f32b7a0504f.json",
      "product_url": "https://www.capricornian.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-10-02T02:31:03.752887Z"
     },
     {
      "rank": 59,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "12 Month Term Deposit",
      "product_label": "12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/117",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/117.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/standard-term-deposit/",
      "bank_last_updated": "2026-06-11T04:00:41.6927295Z"
     },
     {
      "rank": 60,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "Term Deposit 12 Months",
      "product_label": "Term Deposit 12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I20_Term_Deposit_12_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I20_Term_Deposit_12_months.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:59:19.000+10:00"
     },
     {
      "rank": 61,
      "brand": "Border Bank",
      "brand_label": "Border Bank",
      "brand_slug": "border-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/797f3952-486a-4683-9bcc-462ad80599fd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/border-bank/797f3952-486a-4683-9bcc-462ad80599fd.json",
      "product_url": "https://www.borderbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:29.599Z"
     },
     {
      "rank": 62,
      "brand": "Broken Hill Bank",
      "brand_label": "Broken Hill Bank",
      "brand_slug": "broken-hill-bank",
      "product_name": "FTD - 12 Months",
      "product_label": "FTD - 12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 499999.99,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/6",
      "source_snapshot": "/au/finance/term-deposits/v1/source/broken-hill-bank/6.json",
      "product_url": "https://brokenhill.bank/open-an-account",
      "bank_last_updated": "2026-06-11T02:00:18.8259621Z"
     },
     {
      "rank": 63,
      "brand": "Cairns bank",
      "brand_label": "Cairns Bank",
      "brand_slug": "cairns-bank",
      "product_name": "Term deposits 1mth under $500,000",
      "product_label": "Term Deposit 1mth Under $500,000",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": 365,
      "term_days_max": 729,
      "term_raw": "P729D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/I1_1M_UNDER_500K",
      "source_snapshot": "/au/finance/term-deposits/v1/source/cairns-bank/I1_1M_UNDER_500K.json",
      "product_url": "https://cairnsbank.com.au/banking/personal-banking/term-deposit-account",
      "bank_last_updated": "2026-06-29T09:36:15.000+10:00"
     },
     {
      "rank": 64,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     },
     {
      "rank": 65,
      "brand": "Horizon Bank",
      "brand_label": "Horizon Bank",
      "brand_slug": "horizon-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/I50_I500001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/horizon-bank/I50_I500001.json",
      "product_url": "https://horizonbank.com.au/forms/savings-account-or-term-deposit-application/",
      "bank_last_updated": "2026-08-17T17:59:37.000+10:00"
     },
     {
      "rank": 66,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "12 Month Term Deposit",
      "product_label": "12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/277",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/277.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-06-28T16:00:22.3851793Z"
     },
     {
      "rank": 67,
      "brand": "Police Bank",
      "brand_label": "Police Bank",
      "brand_slug": "police-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/934b3b27-224e-41b9-a827-2032ec619780",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-bank/934b3b27-224e-41b9-a827-2032ec619780.json",
      "product_url": "https://www.policebank.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:27.339Z"
     },
     {
      "rank": 68,
      "brand": "SWSbank",
      "brand_label": "SWS Bank",
      "brand_slug": "swsbank",
      "product_name": "12 Month Term Deposit",
      "product_label": "12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 9999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/I4_TD_12Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/swsbank/I4_TD_12Months.json",
      "product_url": "https://swscu.apply-online.com.au/#/3e8f1c2b-4724-4a65-b5d0-2d7eaf64b99b",
      "bank_last_updated": "2026-05-11T16:55:24.000+10:00"
     },
     {
      "rank": 69,
      "brand": "The Mac",
      "brand_label": "The Mac",
      "brand_slug": "the-mac",
      "product_name": "TERM SAVINGS I4",
      "product_label": "Term Savings I4",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/I4_TERMDEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-mac/I4_TERMDEPOSIT.json",
      "product_url": "https://themaccu.com.au/solutions/everyday-banking-investments/all-everyday-banking-investments/",
      "bank_last_updated": "2026-08-24T08:38:40.000+10:00"
     },
     {
      "rank": 70,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 5000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/bd41ed42-262c-4445-a7f6-f3b61314ec0c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/bd41ed42-262c-4445-a7f6-f3b61314ec0c.json",
      "product_url": "https://www.bendigobank.com.au/personal/term-deposits/term-deposit-enquiry/",
      "bank_last_updated": "2026-09-24T14:32:23.011Z"
     },
     {
      "rank": 71,
      "brand": "Central West CUL",
      "brand_label": "Central West Credit Union",
      "brand_slug": "central-west-cul",
      "product_name": "$5000+ (12m - 24m) I4",
      "product_label": "$5000+ (12m - 24m) I4",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 17,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P17M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1700000.0,
      "deposit_min": 50000.0,
      "deposit_max": 1700000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/I4_Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-west-cul/I4_Fixed_Term_Deposit.json",
      "product_url": "https://www.cwcu.com.au/savings/fixed-term-deposits",
      "bank_last_updated": "2026-07-15T16:48:28.000+10:00"
     },
     {
      "rank": 72,
      "brand": "gmcu",
      "brand_label": "GMCU",
      "brand_slug": "gmcu",
      "product_name": "Fixed Term Deposit - 12 months",
      "product_label": "Fixed Term Deposit - 12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 100.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 1000000.0,
      "deposit_min": 4999.01,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must become a member. Visit our website for more details."
      ],
      "stacked_bonus": null,
      "source_url": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit_12_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gmcu/Term_Deposit_12_months.json",
      "product_url": "https://www.gmcu.com.au/banking/term-deposits/view-all-term-deposits/",
      "bank_last_updated": "2026-08-17T15:45:39.000+10:00"
     },
     {
      "rank": 73,
      "brand": "Laboratories Credit Union",
      "brand_label": "Laboratories Credit Union",
      "brand_slug": "laboratories-credit-union",
      "product_name": "Monthly Interest 12 Month Term Deposit",
      "product_label": "Monthly Interest 12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "monthly",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…",
       "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…"
      ],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/laboratories-credit-union/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS.json",
      "product_url": "https://join.lcu.com.au/getting-started",
      "bank_last_updated": "2026-10-02T14:13:39.000+10:00"
     },
     {
      "rank": 74,
      "brand": "Bank of China",
      "brand_label": "Bank of China",
      "brand_slug": "bank-of-china",
      "product_name": "Term Deposit AUD 12M",
      "product_label": "Term Deposit AUD 12M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "Term Deposit AUD 12M, rate apply for balance 5000 AUD and 4,999,999.99",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/55090509",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-china/55090509.json",
      "product_url": "https://www.bankofchina.com/au/en/pbservice/pb1/201712/t20171214_10912803.html",
      "bank_last_updated": "2026-08-28T00:00:27.000+10:00"
     },
     {
      "rank": 75,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 499999.0,
      "deposit_min": 100000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 76,
      "brand": "Central Murray Bank",
      "brand_label": "Central Murray Bank",
      "brand_slug": "central-murray-bank",
      "product_name": "TERM DEPOSIT 12 MONTHS",
      "product_label": "Term Deposit 12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0425,
      "rate_pct": 4.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 3500000.0,
      "deposit_min": 50000.0,
      "deposit_max": 3500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/I4_12month",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-murray-bank/I4_12month.json",
      "product_url": "https://www.centralmurray.bank/invest/term-deposits/",
      "bank_last_updated": "2026-08-06T14:18:36.000+10:00"
     },
     {
      "rank": 77,
      "brand": "Fire Service Credit Union",
      "brand_label": "Fire Service Credit Union",
      "brand_slug": "fire-service-credit-union",
      "product_name": "I12 FTD 12 Months",
      "product_label": "I12 FTD 12 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/15",
      "source_snapshot": "/au/finance/term-deposits/v1/source/fire-service-credit-union/15.json",
      "product_url": "https://www.fscu.com.au/accounts/term-deposits/",
      "bank_last_updated": "2026-05-20T04:00:33.3305724Z"
     },
     {
      "rank": 78,
      "brand": "Woolworths Team Bank",
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "product_name": "12 MONTHS",
      "product_label": "12 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 2000.0,
      "tier_max": 1000000.0,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Woolworths Group Limited and Endeavour Group Limited team members, Immediate family members of Woolworths Group Limited and Endeavour Group Limited team member…"
      ],
      "stacked_bonus": null,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/I12",
      "source_snapshot": "/au/finance/term-deposits/v1/source/woolworths-team-bank/I12.json",
      "product_url": "https://woolworthsteambank.snapforms.com.au/form/term-deposit-form",
      "bank_last_updated": "2026-07-08T13:14:23.000+10:00"
     },
     {
      "rank": 79,
      "brand": "Australian Military Bank",
      "brand_label": "Australian Military Bank",
      "brand_slug": "australian-military-bank",
      "product_name": "Teen Plus",
      "product_label": "Teen Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 500.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 18 and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4f86dc3e-4af2-40a4-adcf-210d341f538f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-military-bank/4f86dc3e-4af2-40a4-adcf-210d341f538f.json",
      "product_url": "https://www.australianmilitarybank.com.au/term-deposits",
      "bank_last_updated": "2026-08-24T23:18:21.610306Z"
     },
     {
      "rank": 80,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "TERM 12-23MTHS (EDV)",
      "product_label": "Term 12-23MTHS (EDV)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P23M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/TERM_12-23MTHS_%28EDVEST%29",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/TERM_12-23MTHS__EDVEST_.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/term-deposits/",
      "bank_last_updated": "2026-08-04T09:51:38.000+10:00"
     }
    ],
    "18": [
     {
      "rank": 1,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 2,
      "brand": "CommFCU",
      "brand_label": "Community First Bank",
      "brand_slug": "commfcu",
      "product_name": "TERM DEPOSITS - 12 MONTHS INTEREST ON MATURITY",
      "product_label": "Term Deposit - 12 Months Interest on Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P23M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 249999.01,
      "tier_max": 1000000.0,
      "deposit_min": 249999.01,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/I12-TD-12-ANL",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commfcu/I12-TD-12-ANL.json",
      "product_url": "https://communityfirst.com.au/products/term-deposits",
      "bank_last_updated": "2026-08-17T13:59:34.000+10:00"
     },
     {
      "rank": 3,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 4,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "Limited Offer 18 months",
      "product_label": "Limited Offer 18 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I2_18",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I2_18.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:45:48.000+10:00"
     },
     {
      "rank": 5,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 100000.0,
      "tier_max": 999999.0,
      "deposit_min": 100000.0,
      "deposit_max": 999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 6,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y6M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 7,
      "brand": "Cairns bank",
      "brand_label": "Cairns Bank",
      "brand_slug": "cairns-bank",
      "product_name": "Term deposits 1mth under $500,000",
      "product_label": "Term Deposit 1mth Under $500,000",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": 365,
      "term_days_max": 729,
      "term_raw": "P729D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/I1_1M_UNDER_500K",
      "source_snapshot": "/au/finance/term-deposits/v1/source/cairns-bank/I1_1M_UNDER_500K.json",
      "product_url": "https://cairnsbank.com.au/banking/personal-banking/term-deposit-account",
      "bank_last_updated": "2026-06-29T09:36:15.000+10:00"
     },
     {
      "rank": 8,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 9,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 1000000.0,
      "deposit_min": 100000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 10,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "Term Deposit 18 Months",
      "product_label": "Term Deposit 18 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I20_Term_Deposit_18_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I20_Term_Deposit_18_months.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:59:19.000+10:00"
     },
     {
      "rank": 11,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 12,
      "brand": "Central West CUL",
      "brand_label": "Central West Credit Union",
      "brand_slug": "central-west-cul",
      "product_name": "$5000+ (12m - 24m) I4",
      "product_label": "$5000+ (12m - 24m) I4",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1000000.0,
      "deposit_min": 50000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/I4_Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-west-cul/I4_Fixed_Term_Deposit.json",
      "product_url": "https://www.cwcu.com.au/savings/fixed-term-deposits",
      "bank_last_updated": "2026-07-15T16:48:28.000+10:00"
     },
     {
      "rank": 13,
      "brand": "QBANK",
      "brand_label": "QBank",
      "brand_slug": "qbank",
      "product_name": "Term Deposit 18 Month",
      "product_label": "Term Deposit 18 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": 250000.0,
      "tier_max": 9999999.0,
      "deposit_min": 250000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You do not have to be a member of Qbank to hold a term deposit."
      ],
      "stacked_bonus": null,
      "source_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/I18_Term_18",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qbank/I18_Term_18.json",
      "product_url": "https://www.qbank.com.au/products/accounts/term-deposits",
      "bank_last_updated": "2026-05-11T19:42:59.000+10:00"
     },
     {
      "rank": 14,
      "brand": "Laboratories Credit Union",
      "brand_label": "Laboratories Credit Union",
      "brand_slug": "laboratories-credit-union",
      "product_name": "Monthly Interest 12 Month Term Deposit",
      "product_label": "Monthly Interest 12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "quarterly",
      "term_months": 13,
      "term_min_months": 13,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P23M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…",
       "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…"
      ],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/laboratories-credit-union/I3_CHEQUE_A_MONTH_FIXED_TERM_DEPOSITS.json",
      "product_url": "https://join.lcu.com.au/getting-started",
      "bank_last_updated": "2026-10-02T14:13:39.000+10:00"
     },
     {
      "rank": 15,
      "brand": "Bank of China",
      "brand_label": "Bank of China",
      "brand_slug": "bank-of-china",
      "product_name": "Term Deposit AUD 18M",
      "product_label": "Term Deposit AUD 18M",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "Term Deposit AUD 18M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api-gateway.bankofchina.com.au/cds-au/v1/banking/products/55090512",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-china/55090512.json",
      "product_url": "https://www.bankofchina.com/au/en/pbservice/pb1/201712/t20171214_10912803.html",
      "bank_last_updated": "2026-08-28T00:00:00.000+10:00"
     },
     {
      "rank": 16,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 13,
      "term_min_months": 13,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P23M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 17,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 18 Months",
      "product_label": "Term Deposit - 18 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/13",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/13.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 18,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "half_yearly",
      "term_months": 13,
      "term_min_months": 13,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P13M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 19,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "half_yearly",
      "term_months": 13,
      "term_min_months": 13,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P13M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 20,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "half_yearly",
      "term_months": 13,
      "term_min_months": 13,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P13M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 21,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0455,
      "rate_pct": 4.55,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 22,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": 546,
      "term_days_max": 723,
      "term_raw": "P723D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 500000.0,
      "deposit_min": 100000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 23,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "24 MONTHS",
      "product_label": "24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/24MTH_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/24MTH_TERM_DEPOSIT.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-07-02T11:03:33.000+10:00"
     },
     {
      "rank": 24,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (13)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.044,
      "rate_pct": 4.4,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 200000.0,
      "max_balance": 500000.0,
      "tier_min": 200000.0,
      "tier_max": 500000.0,
      "deposit_min": 200000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_18M_%24200%2C000_plus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_18M__200_000_plus.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 25,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "TD 12-35 Mth (Yr Int)",
      "product_label": "TD 12-35 Mth (Yr Int)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P35M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/16",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/16.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-06-28T16:00:22.3851793Z"
     },
     {
      "rank": 26,
      "brand": "Australian Mutual Bank LTD",
      "brand_label": "Australian Mutual Bank",
      "brand_slug": "australian-mutual-bank-ltd",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": 545,
      "term_days_max": 729,
      "term_raw": "P729D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/74073f50-1e84-11f1-b37a-325096b39f47",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-mutual-bank-ltd/74073f50-1e84-11f1-b37a-325096b39f47.json",
      "product_url": "https://australianmutual.bank/banking/term-deposits/",
      "bank_last_updated": "2026-08-26T14:27:19.000+10:00"
     },
     {
      "rank": 27,
      "brand": "Firefighters Mutual Bank",
      "brand_label": "Firefighters Mutual Bank",
      "brand_slug": "firefighters-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": 545,
      "term_days_max": 729,
      "term_raw": "P729D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/aa76cccb-0cf7-4330-8eb6-e2756aefce0e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/firefighters-mutual-bank/aa76cccb-0cf7-4330-8eb6-e2756aefce0e.json",
      "product_url": "https://www.fmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:15:19.000+10:00"
     },
     {
      "rank": 28,
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": 545,
      "term_days_max": 729,
      "term_raw": "P729D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/d45a38f4-5462-4883-8239-7eaea4e2871b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/health-professionals-bank/d45a38f4-5462-4883-8239-7eaea4e2871b.json",
      "product_url": "https://www.hpbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-14T09:14:44.000+10:00"
     },
     {
      "rank": 29,
      "brand": "Teachers Mutual Bank",
      "brand_label": "Teachers Mutual Bank",
      "brand_slug": "teachers-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": 545,
      "term_days_max": 729,
      "term_raw": "P729D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/e556280d-1d2b-4fb1-b22f-151e8050bdda",
      "source_snapshot": "/au/finance/term-deposits/v1/source/teachers-mutual-bank/e556280d-1d2b-4fb1-b22f-151e8050bdda.json",
      "product_url": "https://www.tmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:18:27.000+10:00"
     },
     {
      "rank": 30,
      "brand": "UniBank",
      "brand_label": "UniBank",
      "brand_slug": "unibank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": 545,
      "term_days_max": 729,
      "term_raw": "P729D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unibank/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c.json",
      "product_url": "https://www.unibank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:25:09.000+10:00"
     },
     {
      "rank": 31,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "NATIONAL SENIORS TERM DEPOSIT",
      "product_label": "National Seniors Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.039,
      "rate_pct": 3.9,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 3000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available through National Seniors Australia"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/6f474df2-c438-4132-939f-9730d5e45165",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/6f474df2-c438-4132-939f-9730d5e45165.json",
      "product_url": "https://nationalseniors.com.au/services/financial/termdeposit",
      "bank_last_updated": "2026-09-29T09:16:28.000+10:00"
     },
     {
      "rank": 32,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 33,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 18 months",
      "product_label": "Term Deposit 18 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/3d455cd8-7fed-4849-a85a-dee559f127e6",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/3d455cd8-7fed-4849-a85a-dee559f127e6.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=213",
      "bank_last_updated": "2026-06-24T05:52:03.943Z"
     },
     {
      "rank": 34,
      "brand": "Australian Military Bank",
      "brand_label": "Australian Military Bank",
      "brand_slug": "australian-military-bank",
      "product_name": "Teen Plus",
      "product_label": "Teen Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 500.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 18 and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4f86dc3e-4af2-40a4-adcf-210d341f538f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-military-bank/4f86dc3e-4af2-40a4-adcf-210d341f538f.json",
      "product_url": "https://www.australianmilitarybank.com.au/term-deposits",
      "bank_last_updated": "2026-08-24T23:18:21.610306Z"
     },
     {
      "rank": 35,
      "brand": "RSL Money",
      "brand_label": "RSL Money",
      "brand_slug": "rsl-money",
      "product_name": "RSL Sub-Branch Investment Plus",
      "product_label": "Sub-Branch Investment Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively for RSL Sub Branches and their members"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.rslmoney.com.au/cds-au/v1/banking/products/0cf9e8d4-3a9d-4bbb-9b7c-3065f1a52a65",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rsl-money/0cf9e8d4-3a9d-4bbb-9b7c-3065f1a52a65.json",
      "product_url": "https://www.rslmoney.com.au/contact",
      "bank_last_updated": "2026-08-24T04:54:23.540815Z"
     },
     {
      "rank": 36,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Online Term Deposit",
      "product_label": "Online Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "half_yearly",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 100000.01,
      "tier_max": 250000.0,
      "deposit_min": 100000.01,
      "deposit_max": 250000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "New customers are required to open and maintain a High Interest Savings Account (HISA) which is a variable rate at-call savings account which does not charge f…",
       "loyalty bonus on rollover"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/9b82ebfd-cd77-4c6c-a8de-880fdabf0bf4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/9b82ebfd-cd77-4c6c-a8de-880fdabf0bf4.json",
      "product_url": "https://myapplication.rabobank.com.au/apply?CONT=AU&PID=TERMDEP",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 37,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 38,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 499999.0,
      "deposit_min": 100000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 39,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "TERM 12-23MTHS (EDV)",
      "product_label": "Term 12-23MTHS (EDV)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P23M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/TERM_12-23MTHS_%28EDVEST%29",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/TERM_12-23MTHS__EDVEST_.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/term-deposits/",
      "bank_last_updated": "2026-08-04T09:51:38.000+10:00"
     },
     {
      "rank": 40,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Platinum Plus Term Deposit 13-60 Months",
      "product_label": "Platinum Plus Term Deposit 13-60 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "annually",
      "term_months": 17,
      "term_min_months": 17,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 55 and over: To receive the Platinum Plus Club Member rates, the account owner of the term deposit must be either an individual aged 55 years or over, or a…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1100-0600",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1100-0600.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits/platinum-plus-term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 41,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest 6 Monthly",
      "product_label": "Term Investment - Interest 6 Monthly",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "half_yearly",
      "term_months": 14,
      "term_min_months": 14,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P23M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3005",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3005.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-23T14:00:00Z"
     },
     {
      "rank": 42,
      "brand": "Woolworths Team Bank",
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "product_name": "18 MONTHS",
      "product_label": "18 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0275,
      "rate_pct": 2.75,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 2000.0,
      "tier_max": 1000000.0,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership is open to team members of Woolworths and Endeavour Groups, their immediate family members, and those with an affinity to Woolworths Group."
      ],
      "stacked_bonus": null,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/18MONTHS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/woolworths-team-bank/18MONTHS.json",
      "product_url": "https://woolworthsteambank.snapforms.com.au/form/term-deposit-form",
      "bank_last_updated": "2026-07-08T13:14:23.000+10:00"
     },
     {
      "rank": 43,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0225,
      "rate_pct": 2.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M/P23M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 44,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 18 Months",
      "product_label": "Package TD 18 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0075,
      "rate_pct": 0.75,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/35",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/35.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "24": [
     {
      "rank": 1,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0555,
      "rate_pct": 5.55,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 2,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.055,
      "rate_pct": 5.5,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 100000.0,
      "tier_max": 999999.0,
      "deposit_min": 100000.0,
      "deposit_max": 999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 3,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 4,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 24 months",
      "product_label": "Term Deposit 24 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/f69c781b-9809-4a83-bca8-310bd16461a9",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/f69c781b-9809-4a83-bca8-310bd16461a9.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=214",
      "bank_last_updated": "2026-09-21T22:00:26.182Z"
     },
     {
      "rank": 5,
      "brand": "Qudos Bank",
      "brand_label": "Qudos Bank",
      "brand_slug": "qudos-bank",
      "product_name": "Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products/f435abef-eaed-4d9f-a535-5c2925645472",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qudos-bank/f435abef-eaed-4d9f-a535-5c2925645472.json",
      "product_url": "https://www.qudosbank.com.au/products/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T22:00:26.783Z"
     },
     {
      "rank": 6,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 7,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 8,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Term Deposit  24 months",
      "product_label": "Term Deposit 24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/225",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/225.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 9,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 10000.0,
      "max_balance": 5000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an Australian resident for taxation purposes."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/26ab99ae-81ed-44d0-933f-b6d9f0f4b004",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/26ab99ae-81ed-44d0-933f-b6d9f0f4b004.json",
      "product_url": "https://www.ing.com.au/savings/term-deposit.html",
      "bank_last_updated": "2026-09-13T14:00:00.000Z"
     },
     {
      "rank": 10,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To open an account, you must have a valid email address and an Australian mobile number.",
       "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD01.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD01.1.json",
      "product_url": "https://apply.heartlandbank.com.au/banking/HBSelfService/servletcontroller?ProductType=CBL_DEPOSIT_TERM_MB&CustomerType=Individual",
      "bank_last_updated": "2026-09-29T06:16:43Z"
     },
     {
      "rank": 11,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 12,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 13,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 33,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 14,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 15,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 19,
      "term_min_months": 19,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": 550,
      "term_days_max": 730,
      "term_raw": "P730D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 9999999.0,
      "deposit_min": 49999.01,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 16,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Regular Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/8546b224-85ce-40b4-ba09-3390398b5c4e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/8546b224-85ce-40b4-ba09-3390398b5c4e.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.482282Z"
     },
     {
      "rank": 17,
      "brand": "Hume Bank",
      "brand_label": "Hume Bank",
      "brand_slug": "hume-bank",
      "product_name": "Term Deposit Online 24M (Paid annually or at Maturity)",
      "product_label": "Term Deposit Online 24M (Paid Annually or at Maturity)",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "personal eligibility inferred: the bank's feed tags every term deposit business-only"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/24M_Online",
      "source_snapshot": "/au/finance/term-deposits/v1/source/hume-bank/24M_Online.json",
      "product_url": "https://www.humebank.com.au/savings/term-deposits/",
      "bank_last_updated": "2026-09-17T20:46:56.000+10:00"
     },
     {
      "rank": 18,
      "brand": "The Capricornian",
      "brand_label": "The Capricornian",
      "brand_slug": "the-capricornian",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": 250000.0,
      "tier_min": 5000.0,
      "tier_max": 250000.0,
      "deposit_min": 5000.0,
      "deposit_max": 250000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to individuals, companies and trust for personal or business use.",
       "Is currently, or wishes to become, a shareholding member of The Capricornian Ltd."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/4ecba156-6b32-420b-8946-3f32b7a0504f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-capricornian/4ecba156-6b32-420b-8946-3f32b7a0504f.json",
      "product_url": "https://www.capricornian.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-10-02T02:31:03.752887Z"
     },
     {
      "rank": 19,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Online Term Deposit",
      "product_label": "Online Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 100000.01,
      "tier_max": 250000.0,
      "deposit_min": 100000.01,
      "deposit_max": 250000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "New customers are required to open and maintain a High Interest Savings Account (HISA) which is a variable rate at-call savings account which does not charge f…",
       "loyalty bonus on rollover"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/9b82ebfd-cd77-4c6c-a8de-880fdabf0bf4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/9b82ebfd-cd77-4c6c-a8de-880fdabf0bf4.json",
      "product_url": "https://myapplication.rabobank.com.au/apply?CONT=AU&PID=TERMDEP",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 20,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "2 Year Term Deposit",
      "product_label": "2 Year Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": 730,
      "term_days_min": 730,
      "term_days_max": 730,
      "term_raw": "P730D",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 9999999.0,
      "deposit_min": 500.0,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to members only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/289e86c1-1600-46db-951b-c72b7d071d82",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/289e86c1-1600-46db-951b-c72b7d071d82.json",
      "product_url": "https://form.bankfirst.com.au/account-application",
      "bank_last_updated": "2026-09-16T23:04:28.184156Z"
     },
     {
      "rank": 21,
      "brand": "Broken Hill Bank",
      "brand_label": "Broken Hill Bank",
      "brand_slug": "broken-hill-bank",
      "product_name": "FTD - 24 Months",
      "product_label": "FTD - 24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 499999.99,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/broken-hill-bank/7.json",
      "product_url": "https://brokenhill.bank/open-an-account",
      "bank_last_updated": "2026-06-11T02:00:18.8259621Z"
     },
     {
      "rank": 22,
      "brand": "Coastline Bank",
      "brand_label": "Coastline Bank",
      "brand_slug": "coastline-bank",
      "product_name": "I52 Gold Mbr Ftd 24 Mths",
      "product_label": "I52 Gold Mbr Ftd 24 Mths",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 50 and over",
       "existing customers only",
       "new customers only",
       "Early Withdrawal: Withdrawals or transfers from the term deposit account before maturity are not permitted except in cases of hardship, for genuine needs and w…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.coastline.com.au/cds-au/v1/banking/products/12",
      "source_snapshot": "/au/finance/term-deposits/v1/source/coastline-bank/12.json",
      "product_url": "https://www.coastline.com.au/personal/gold-benefits-club",
      "bank_last_updated": "2026-09-14T00:00:16.2552749Z"
     },
     {
      "rank": 23,
      "brand": "Queensland Country Bank",
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "product_name": "FTD - Interest at Maturity",
      "product_label": "FTD - Interest at Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/40",
      "source_snapshot": "/au/finance/term-deposits/v1/source/queensland-country-bank/40.json",
      "product_url": "https://www.queenslandcountry.bank/banking/savings-accounts/term-deposits/",
      "bank_last_updated": "2026-10-02T14:00:24.0731915Z"
     },
     {
      "rank": 24,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "Term Deposit 24 Months",
      "product_label": "Term Deposit 24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I20_Term_Deposit_24_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I20_Term_Deposit_24_months.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:59:19.000+10:00"
     },
     {
      "rank": 25,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 26,
      "brand": "Police Credit Union Ltd",
      "brand_label": "Police Credit Union",
      "brand_slug": "police-credit-union-ltd",
      "product_name": "YORKETOWN TERM DEPOSIT",
      "product_label": "Yorketown Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": 2500000.0,
      "tier_min": 50000.0,
      "tier_max": 2500000.0,
      "deposit_min": 50000.0,
      "deposit_max": 2500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/I76_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-credit-union-ltd/I76_TERM_DEPOSIT.json",
      "product_url": "https://www.policecu.com.au/rates/",
      "bank_last_updated": "2026-04-30T15:05:43.000+09:30"
     },
     {
      "rank": 27,
      "brand": "Central West CUL",
      "brand_label": "Central West Credit Union",
      "brand_slug": "central-west-cul",
      "product_name": "$5000+ (12m - 24m) I4",
      "product_label": "$5000+ (12m - 24m) I4",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1000000.0,
      "deposit_min": 50000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/I4_Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-west-cul/I4_Fixed_Term_Deposit.json",
      "product_url": "https://www.cwcu.com.au/savings/fixed-term-deposits",
      "bank_last_updated": "2026-07-15T16:48:28.000+10:00"
     },
     {
      "rank": 28,
      "brand": "Horizon Bank",
      "brand_label": "Horizon Bank",
      "brand_slug": "horizon-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/I50_I500001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/horizon-bank/I50_I500001.json",
      "product_url": "https://horizonbank.com.au/forms/savings-account-or-term-deposit-application/",
      "bank_last_updated": "2026-08-17T17:59:37.000+10:00"
     },
     {
      "rank": 29,
      "brand": "QBANK",
      "brand_label": "QBank",
      "brand_slug": "qbank",
      "product_name": "Term Deposit 24 Month",
      "product_label": "Term Deposit 24 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": 250000.0,
      "tier_max": 9999999.0,
      "deposit_min": 250000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You do not have to be a member of Qbank to hold a term deposit."
      ],
      "stacked_bonus": null,
      "source_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/I24_Term_24",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qbank/I24_Term_24.json",
      "product_url": "https://www.qbank.com.au/products/accounts/term-deposits",
      "bank_last_updated": "2026-05-11T19:46:01.000+10:00"
     },
     {
      "rank": 30,
      "brand": "SWSbank",
      "brand_label": "SWS Bank",
      "brand_slug": "swsbank",
      "product_name": "24 Month Term Deposit",
      "product_label": "24 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 9999999.0,
      "deposit_min": 50000.0,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/I6_TD_24Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/swsbank/I6_TD_24Months.json",
      "product_url": "https://swscu.apply-online.com.au/#/3e8f1c2b-4724-4a65-b5d0-2d7eaf64b99b",
      "bank_last_updated": "2026-06-10T16:59:42.000+10:00"
     },
     {
      "rank": 31,
      "brand": "Cairns bank",
      "brand_label": "Cairns Bank",
      "brand_slug": "cairns-bank",
      "product_name": "Term deposits 3mths under $500,000",
      "product_label": "Term Deposit 3mths Under $500,000",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": 730,
      "term_days_max": 1094,
      "term_raw": "P1094D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/I1_3M_UNDER_500K",
      "source_snapshot": "/au/finance/term-deposits/v1/source/cairns-bank/I1_3M_UNDER_500K.json",
      "product_url": "https://cairnsbank.com.au/banking/personal-banking/term-deposit-account",
      "bank_last_updated": "2026-06-29T09:36:15.000+10:00"
     },
     {
      "rank": 32,
      "brand": "CommFCU",
      "brand_label": "Community First Bank",
      "brand_slug": "commfcu",
      "product_name": "TERM DEPOSITS - 24 MONTHS INTEREST ON MATURITY",
      "product_label": "Term Deposit - 24 Months Interest on Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P35M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 249999.01,
      "tier_max": 1000000.0,
      "deposit_min": 249999.01,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/I24-TD-24-ANL",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commfcu/I24-TD-24-ANL.json",
      "product_url": "https://communityfirst.com.au/products/term-deposits",
      "bank_last_updated": "2026-06-12T11:11:19.000+10:00"
     },
     {
      "rank": 33,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "24 MONTH FIXED TERM",
      "product_label": "24 Month Fixed Term",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 2000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/24MTH_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/24MTH_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-16T10:59:17.000+10:00"
     },
     {
      "rank": 34,
      "brand": "Dnister",
      "brand_label": "Dnister",
      "brand_slug": "dnister",
      "product_name": "Term Deposit - 24 Months",
      "product_label": "Term Deposit - 24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/14",
      "source_snapshot": "/au/finance/term-deposits/v1/source/dnister/14.json",
      "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
      "bank_last_updated": "2026-10-02T14:00:39.3800764Z"
     },
     {
      "rank": 35,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 36,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 1000000.0,
      "deposit_min": 100000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 37,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "TERM DEPOSIT",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 20000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 20000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/STANDARD_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/STANDARD_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/term-deposits/term-deposit-application/",
      "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
     },
     {
      "rank": 38,
      "brand": "gmcu",
      "brand_label": "GMCU",
      "brand_slug": "gmcu",
      "product_name": "Fixed Term Deposit - 24 months",
      "product_label": "Fixed Term Deposit - 24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 100.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 1000000.0,
      "deposit_min": 4999.01,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must become a member. Visit our website for more details."
      ],
      "stacked_bonus": null,
      "source_url": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit_-_24_Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gmcu/Term_Deposit_-_24_Months.json",
      "product_url": "https://www.gmcu.com.au/banking/term-deposits/view-all-term-deposits/",
      "bank_last_updated": "2026-08-17T15:49:11.000+10:00"
     },
     {
      "rank": 39,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.046,
      "rate_pct": 4.6,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": 724,
      "term_days_max": 731,
      "term_raw": "P731D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 500000.0,
      "deposit_min": 100000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 40,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 24 Mth Trf 12 Mthly",
      "product_label": "INV - 24 Mth Trf 12 Mthly",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.046,
      "rate_pct": 4.6,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 200000.0,
      "tier_max": null,
      "deposit_min": 200000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/23",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/23.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-03-23T12:00:30.9673694Z"
     },
     {
      "rank": 41,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.046,
      "rate_pct": 4.6,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P35M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 42,
      "brand": "Border Bank",
      "brand_label": "Border Bank",
      "brand_slug": "border-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.046,
      "rate_pct": 4.6,
      "interest_paid": "half_yearly",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/797f3952-486a-4683-9bcc-462ad80599fd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/border-bank/797f3952-486a-4683-9bcc-462ad80599fd.json",
      "product_url": "https://www.borderbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:29.599Z"
     },
     {
      "rank": 43,
      "brand": "Police Bank",
      "brand_label": "Police Bank",
      "brand_slug": "police-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.046,
      "rate_pct": 4.6,
      "interest_paid": "half_yearly",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/934b3b27-224e-41b9-a827-2032ec619780",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-bank/934b3b27-224e-41b9-a827-2032ec619780.json",
      "product_url": "https://www.policebank.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:27.339Z"
     },
     {
      "rank": 44,
      "brand": "ORANGE CREDIT UNION LTD",
      "brand_label": "Orange Credit Union",
      "brand_slug": "orange-credit-union-ltd",
      "product_name": "24MTH FIXED TERM DEPOSIT WEALTH BUILDER",
      "product_label": "24MTH Fixed Term Deposit Wealth Builder",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0455,
      "rate_pct": 4.55,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 50000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 999999.0,
      "deposit_min": 50000.0,
      "deposit_max": 999999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "NEW MEMBER ONLY"
      ],
      "stacked_bonus": null,
      "source_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/24MNTH_WEALTH_BUILDER_TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/orange-credit-union-ltd/24MNTH_WEALTH_BUILDER_TD.json",
      "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
      "bank_last_updated": "2026-05-08T09:14:05.000+10:00"
     },
     {
      "rank": 45,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 46,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 47,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 5000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/bd41ed42-262c-4445-a7f6-f3b61314ec0c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/bd41ed42-262c-4445-a7f6-f3b61314ec0c.json",
      "product_url": "https://www.bendigobank.com.au/personal/term-deposits/term-deposit-enquiry/",
      "bank_last_updated": "2026-09-24T14:32:23.011Z"
     },
     {
      "rank": 48,
      "brand": "Laboratories Credit Union",
      "brand_label": "Laboratories Credit Union",
      "brand_slug": "laboratories-credit-union",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P35M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…",
       "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…"
      ],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/laboratories-credit-union/Fixed_Term_Deposit.json",
      "product_url": "https://join.lcu.com.au/getting-started",
      "bank_last_updated": "2026-02-11T12:18:04.000+11:00"
     },
     {
      "rank": 49,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 50,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 51,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Platinum Plus Term Deposit 13-60 Months",
      "product_label": "Platinum Plus Term Deposit 13-60 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0435,
      "rate_pct": 4.35,
      "interest_paid": "annually",
      "term_months": 23,
      "term_min_months": 23,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 55 and over: To receive the Platinum Plus Club Member rates, the account owner of the term deposit must be either an individual aged 55 years or over, or a…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1100-0600",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1100-0600.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits/platinum-plus-term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 52,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0425,
      "rate_pct": 4.25,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 53,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest 6 Monthly",
      "product_label": "Term Investment - Interest 6 Monthly",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0425,
      "rate_pct": 4.25,
      "interest_paid": "half_yearly",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P35M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3005",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3005.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-23T14:00:00Z"
     },
     {
      "rank": 54,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "TD 12-35 Mth (Yr Int)",
      "product_label": "TD 12-35 Mth (Yr Int)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P35M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/16",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/16.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-06-28T16:00:22.3851793Z"
     },
     {
      "rank": 55,
      "brand": "Darling Downs Bank",
      "brand_label": "Darling Downs Bank",
      "brand_slug": "darling-downs-bank",
      "product_name": "FIXED TERM DEPOSITS",
      "product_label": "Term Deposit (19)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 200000.0,
      "max_balance": 500000.0,
      "tier_min": 200000.0,
      "tier_max": 500000.0,
      "deposit_min": 200000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a member of the Credit Union"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_24M_%24200%2C000_plus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/darling-downs-bank/I2_24M__200_000_plus.json",
      "product_url": null,
      "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
     },
     {
      "rank": 56,
      "brand": "Australian Mutual Bank LTD",
      "brand_label": "Australian Mutual Bank",
      "brand_slug": "australian-mutual-bank-ltd",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": 730,
      "term_days_max": 1094,
      "term_raw": "P1094D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/74073f50-1e84-11f1-b37a-325096b39f47",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-mutual-bank-ltd/74073f50-1e84-11f1-b37a-325096b39f47.json",
      "product_url": "https://australianmutual.bank/banking/term-deposits/",
      "bank_last_updated": "2026-08-26T14:27:19.000+10:00"
     },
     {
      "rank": 57,
      "brand": "Firefighters Mutual Bank",
      "brand_label": "Firefighters Mutual Bank",
      "brand_slug": "firefighters-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": 730,
      "term_days_max": 1094,
      "term_raw": "P1094D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/aa76cccb-0cf7-4330-8eb6-e2756aefce0e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/firefighters-mutual-bank/aa76cccb-0cf7-4330-8eb6-e2756aefce0e.json",
      "product_url": "https://www.fmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:15:19.000+10:00"
     },
     {
      "rank": 58,
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": 730,
      "term_days_max": 1094,
      "term_raw": "P1094D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/d45a38f4-5462-4883-8239-7eaea4e2871b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/health-professionals-bank/d45a38f4-5462-4883-8239-7eaea4e2871b.json",
      "product_url": "https://www.hpbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-14T09:14:44.000+10:00"
     },
     {
      "rank": 59,
      "brand": "Teachers Mutual Bank",
      "brand_label": "Teachers Mutual Bank",
      "brand_slug": "teachers-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": 730,
      "term_days_max": 1094,
      "term_raw": "P1094D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/e556280d-1d2b-4fb1-b22f-151e8050bdda",
      "source_snapshot": "/au/finance/term-deposits/v1/source/teachers-mutual-bank/e556280d-1d2b-4fb1-b22f-151e8050bdda.json",
      "product_url": "https://www.tmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:18:27.000+10:00"
     },
     {
      "rank": 60,
      "brand": "UniBank",
      "brand_label": "UniBank",
      "brand_slug": "unibank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": 730,
      "term_days_max": 1094,
      "term_raw": "P1094D",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unibank/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c.json",
      "product_url": "https://www.unibank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:25:09.000+10:00"
     },
     {
      "rank": 61,
      "brand": "The Mac",
      "brand_label": "The Mac",
      "brand_slug": "the-mac",
      "product_name": "TERM SAVINGS I4",
      "product_label": "Term Savings I4",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/I4_TERMDEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-mac/I4_TERMDEPOSIT.json",
      "product_url": "https://themaccu.com.au/solutions/everyday-banking-investments/all-everyday-banking-investments/",
      "bank_last_updated": "2026-08-24T08:38:40.000+10:00"
     },
     {
      "rank": 62,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "18-24 months >$25K",
      "product_label": "18-24 Months >$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 25000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_8",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_8.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 63,
      "brand": "Australian Military Bank",
      "brand_label": "Australian Military Bank",
      "brand_slug": "australian-military-bank",
      "product_name": "Teen Plus",
      "product_label": "Teen Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 500.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 18 and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4f86dc3e-4af2-40a4-adcf-210d341f538f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-military-bank/4f86dc3e-4af2-40a4-adcf-210d341f538f.json",
      "product_url": "https://www.australianmilitarybank.com.au/term-deposits",
      "bank_last_updated": "2026-08-24T23:18:21.610306Z"
     },
     {
      "rank": 64,
      "brand": "RSL Money",
      "brand_label": "RSL Money",
      "brand_slug": "rsl-money",
      "product_name": "RSL Sub-Branch Investment Plus",
      "product_label": "Sub-Branch Investment Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively for RSL Sub Branches and their members"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.rslmoney.com.au/cds-au/v1/banking/products/0cf9e8d4-3a9d-4bbb-9b7c-3065f1a52a65",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rsl-money/0cf9e8d4-3a9d-4bbb-9b7c-3065f1a52a65.json",
      "product_url": "https://www.rslmoney.com.au/contact",
      "bank_last_updated": "2026-08-24T04:54:23.540815Z"
     },
     {
      "rank": 65,
      "brand": "BOQ Specialist",
      "brand_label": "BOQ Specialist",
      "brand_slug": "boq-specialist",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 100000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 100000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively available to medical professionals and accountants"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/78906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/boq-specialist/78906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boqspecialist.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-21T00:19:38Z"
     },
     {
      "rank": 66,
      "brand": "Central Murray Bank",
      "brand_label": "Central Murray Bank",
      "brand_slug": "central-murray-bank",
      "product_name": "TERM DEPOSIT 24 MONTHS",
      "product_label": "Term Deposit 24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 3500000.0,
      "deposit_min": 50000.0,
      "deposit_max": 3500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://secure.centralmurray.bank/openbanking/cds-au/v1/banking/products/I5-24month",
      "source_snapshot": "/au/finance/term-deposits/v1/source/central-murray-bank/I5-24month.json",
      "product_url": "https://www.centralmurray.bank/invest/term-deposits/",
      "bank_last_updated": "2026-05-20T14:02:39.000+10:00"
     },
     {
      "rank": 67,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "24 Month Term Deposit - Yearly",
      "product_label": "24 Month Term Deposit - Yearly",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0345,
      "rate_pct": 3.45,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/118",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/118.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/regular-income-term-deposit/",
      "bank_last_updated": "2026-06-11T04:00:41.6927295Z"
     },
     {
      "rank": 68,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 499999.0,
      "deposit_min": 100000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 69,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 70,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "24 MTHS [EDVEST]",
      "product_label": "24 Mths [Edvest]",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/24_MTHS_%5BEDVEST%5D",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/24_MTHS__EDVEST_.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/term-deposits/",
      "bank_last_updated": "2026-08-04T09:51:38.000+10:00"
     },
     {
      "rank": 71,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.029,
      "rate_pct": 2.9,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     },
     {
      "rank": 72,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 73,
      "brand": "Woolworths Team Bank",
      "brand_label": "Woolworths Team Bank",
      "brand_slug": "woolworths-team-bank",
      "product_name": "24 MONTHS",
      "product_label": "24 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0195,
      "rate_pct": 1.95,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 2000.0,
      "max_balance": null,
      "tier_min": 2000.0,
      "tier_max": 1000000.0,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership is open to team members of Woolworths and Endeavour Groups, their immediate family members, and those with an affinity to Woolworths Group"
      ],
      "stacked_bonus": null,
      "source_url": "https://online.woolworthsteambank.com.au/OpenBanking/cds-au/v1/banking/products/I24",
      "source_snapshot": "/au/finance/term-deposits/v1/source/woolworths-team-bank/I24.json",
      "product_url": "https://woolworthsteambank.snapforms.com.au/form/term-deposit-form",
      "bank_last_updated": "2026-08-17T12:43:39.000+10:00"
     },
     {
      "rank": 74,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 24 Months",
      "product_label": "Package TD 24 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.017,
      "rate_pct": 1.7,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/37",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/37.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "36": [
     {
      "rank": 1,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 2,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 36 months",
      "product_label": "Term Deposit 36 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 3000000.0,
      "deposit_min": 500.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/a75b54b7-3278-4fba-95d9-9cc143471b8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/a75b54b7-3278-4fba-95d9-9cc143471b8d.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=285",
      "bank_last_updated": "2026-09-21T22:00:24.424Z"
     },
     {
      "rank": 3,
      "brand": "Qudos Bank",
      "brand_label": "Qudos Bank",
      "brand_slug": "qudos-bank",
      "product_name": "Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products/f435abef-eaed-4d9f-a535-5c2925645472",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qudos-bank/f435abef-eaed-4d9f-a535-5c2925645472.json",
      "product_url": "https://www.qudosbank.com.au/products/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T22:00:26.783Z"
     },
     {
      "rank": 4,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 5,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To open an account, you must have a valid email address and an Australian mobile number.",
       "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD01.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD01.1.json",
      "product_url": "https://apply.heartlandbank.com.au/banking/HBSelfService/servletcontroller?ProductType=CBL_DEPOSIT_TERM_MB&CustomerType=Individual",
      "bank_last_updated": "2026-09-29T06:16:43Z"
     },
     {
      "rank": 6,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Online Term Deposit",
      "product_label": "Online Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 100000.01,
      "tier_max": 250000.0,
      "deposit_min": 100000.01,
      "deposit_max": 250000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "New customers are required to open and maintain a High Interest Savings Account (HISA) which is a variable rate at-call savings account which does not charge f…",
       "loyalty bonus on rollover"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/9b82ebfd-cd77-4c6c-a8de-880fdabf0bf4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/9b82ebfd-cd77-4c6c-a8de-880fdabf0bf4.json",
      "product_url": "https://myapplication.rabobank.com.au/apply?CONT=AU&PID=TERMDEP",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 7,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 8,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Platinum Plus Term Deposit 13-60 Months",
      "product_label": "Platinum Plus Term Deposit 13-60 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 55 and over: To receive the Platinum Plus Club Member rates, the account owner of the term deposit must be either an individual aged 55 years or over, or a…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1100-0600",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1100-0600.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits/platinum-plus-term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 9,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "3 Year Term Deposit",
      "product_label": "3 Year Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": 1095,
      "term_days_min": 1095,
      "term_days_max": 1095,
      "term_raw": "P1095D",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 9999999.0,
      "deposit_min": 500.0,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to members only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/f82d9637-2f52-4fb3-974d-a23847b6f6c5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/f82d9637-2f52-4fb3-974d-a23847b6f6c5.json",
      "product_url": "https://form.bankfirst.com.au/account-application",
      "bank_last_updated": "2026-09-16T23:04:34.770584Z"
     },
     {
      "rank": 10,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 11,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "Term Deposit 36 Months",
      "product_label": "Term Deposit 36 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I20_Term_deposit_36_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I20_Term_deposit_36_months.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:59:19.000+10:00"
     },
     {
      "rank": 12,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 13,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 100000.0,
      "tier_max": 999999.0,
      "deposit_min": 100000.0,
      "deposit_max": 999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 14,
      "brand": "Broken Hill Bank",
      "brand_label": "Broken Hill Bank",
      "brand_slug": "broken-hill-bank",
      "product_name": "FTD - 30 to 36 months",
      "product_label": "FTD - 30 to 36 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 499999.99,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bhccu.com.au/cds-au/v1/banking/products/9",
      "source_snapshot": "/au/finance/term-deposits/v1/source/broken-hill-bank/9.json",
      "product_url": "https://brokenhill.bank/open-an-account",
      "bank_last_updated": "2026-06-11T02:00:18.8259621Z"
     },
     {
      "rank": 15,
      "brand": "Police Credit Union Ltd",
      "brand_label": "Police Credit Union",
      "brand_slug": "police-credit-union-ltd",
      "product_name": "YORKETOWN TERM DEPOSIT",
      "product_label": "Yorketown Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": 2500000.0,
      "tier_min": 50000.0,
      "tier_max": 2500000.0,
      "deposit_min": 50000.0,
      "deposit_max": 2500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/I76_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-credit-union-ltd/I76_TERM_DEPOSIT.json",
      "product_url": "https://www.policecu.com.au/rates/",
      "bank_last_updated": "2026-04-30T15:05:43.000+09:30"
     },
     {
      "rank": 16,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 17,
      "brand": "CommFCU",
      "brand_label": "Community First Bank",
      "brand_slug": "commfcu",
      "product_name": "TERM DEPOSITS - 36 MONTHS INTEREST ON MATURITY",
      "product_label": "Term Deposit - 36 Months Interest on Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 249999.01,
      "tier_max": 1000000.0,
      "deposit_min": 249999.01,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/I36-TD-36-ANL",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commfcu/I36-TD-36-ANL.json",
      "product_url": "https://communityfirst.com.au/products/term-deposits",
      "bank_last_updated": "2026-06-12T11:11:19.000+10:00"
     },
     {
      "rank": 18,
      "brand": "Hume Bank",
      "brand_label": "Hume Bank",
      "brand_slug": "hume-bank",
      "product_name": "Term Deposit Online 36M (Paid Annually or at Maturity)",
      "product_label": "Term Deposit Online 36M (Paid Annually or at Maturity)",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "personal eligibility inferred: the bank's feed tags every term deposit business-only"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/36M_Online",
      "source_snapshot": "/au/finance/term-deposits/v1/source/hume-bank/36M_Online.json",
      "product_url": "https://www.humebank.com.au/savings/term-deposits/",
      "bank_last_updated": "2026-09-17T20:46:56.000+10:00"
     },
     {
      "rank": 19,
      "brand": "Laboratories Credit Union",
      "brand_label": "Laboratories Credit Union",
      "brand_slug": "laboratories-credit-union",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.046,
      "rate_pct": 4.6,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…",
       "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…"
      ],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/Fixed_Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/laboratories-credit-union/Fixed_Term_Deposit.json",
      "product_url": "https://join.lcu.com.au/getting-started",
      "bank_last_updated": "2026-02-11T12:18:04.000+11:00"
     },
     {
      "rank": 20,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.046,
      "rate_pct": 4.6,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 47,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 21,
      "brand": "Queensland Country Bank",
      "brand_label": "Queensland Country Bank",
      "brand_slug": "queensland-country-bank",
      "product_name": "FTD - Interest at Maturity",
      "product_label": "FTD - Interest at Maturity",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/40",
      "source_snapshot": "/au/finance/term-deposits/v1/source/queensland-country-bank/40.json",
      "product_url": "https://www.queenslandcountry.bank/banking/savings-accounts/term-deposits/",
      "bank_last_updated": "2026-10-02T14:00:24.0731915Z"
     },
     {
      "rank": 22,
      "brand": "Horizon Bank",
      "brand_label": "Horizon Bank",
      "brand_slug": "horizon-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/I50_I500001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/horizon-bank/I50_I500001.json",
      "product_url": "https://horizonbank.com.au/forms/savings-account-or-term-deposit-application/",
      "bank_last_updated": "2026-08-17T17:59:37.000+10:00"
     },
     {
      "rank": 23,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 24,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 25,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "12 MONTHLY INT TERM DEP",
      "product_label": "12 Monthly Int Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0425,
      "rate_pct": 4.25,
      "interest_paid": "annually",
      "term_months": 35,
      "term_min_months": 35,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": 1065,
      "term_days_max": 1095,
      "term_raw": "P1095D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 9999999.0,
      "deposit_min": 49999.01,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d25ba6e3-fbda-4c0a-8a10-c81241b8e013",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d25ba6e3-fbda-4c0a-8a10-c81241b8e013.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-05-07T08:56:35.000+10:00"
     },
     {
      "rank": 26,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Regular Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0425,
      "rate_pct": 4.25,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/8546b224-85ce-40b4-ba09-3390398b5c4e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/8546b224-85ce-40b4-ba09-3390398b5c4e.json",
      "product_url": "https://mystate.com.au/term-deposits/",
      "bank_last_updated": "2026-09-28T20:00:00.482282Z"
     },
     {
      "rank": 27,
      "brand": "Bank of us",
      "brand_label": "Bank of us",
      "brand_slug": "bank-of-us",
      "product_name": "FIXED TERM INVESTMENT",
      "product_label": "Fixed Term Investment",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": 1090,
      "term_days_max": 1100,
      "term_raw": "P1100D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 500000.0,
      "deposit_min": 100000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.bankofus.com.au/OpenBanking/cds-au/v1/banking/products/Term_Investment",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
      "product_url": "https://bankofus.com.au/online-application?refer=term-deposits",
      "bank_last_updated": "2026-05-12T07:22:23.000+10:00"
     },
     {
      "rank": 28,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 29,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 1000000.0,
      "deposit_min": 100000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 30,
      "brand": "Border Bank",
      "brand_label": "Border Bank",
      "brand_slug": "border-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "half_yearly",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/797f3952-486a-4683-9bcc-462ad80599fd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/border-bank/797f3952-486a-4683-9bcc-462ad80599fd.json",
      "product_url": "https://www.borderbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:29.599Z"
     },
     {
      "rank": 31,
      "brand": "Police Bank",
      "brand_label": "Police Bank",
      "brand_slug": "police-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "half_yearly",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/934b3b27-224e-41b9-a827-2032ec619780",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-bank/934b3b27-224e-41b9-a827-2032ec619780.json",
      "product_url": "https://www.policebank.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:27.339Z"
     },
     {
      "rank": 32,
      "brand": "QBANK",
      "brand_label": "QBank",
      "brand_slug": "qbank",
      "product_name": "Term Deposit 36 Month",
      "product_label": "Term Deposit 36 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0415,
      "rate_pct": 4.15,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": 250000.0,
      "tier_max": 9999999.0,
      "deposit_min": 250000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You do not have to be a member of Qbank to hold a term deposit."
      ],
      "stacked_bonus": null,
      "source_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/I35_Term_36",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qbank/I35_Term_36.json",
      "product_url": "https://www.qbank.com.au/products/accounts/term-deposits",
      "bank_last_updated": "2026-05-11T19:49:57.000+10:00"
     },
     {
      "rank": 33,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 47,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P47M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 34,
      "brand": "Australian Mutual Bank LTD",
      "brand_label": "Australian Mutual Bank",
      "brand_slug": "australian-mutual-bank-ltd",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/ambank/cds-au/v1/banking/products/74073f50-1e84-11f1-b37a-325096b39f47",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-mutual-bank-ltd/74073f50-1e84-11f1-b37a-325096b39f47.json",
      "product_url": "https://australianmutual.bank/banking/term-deposits/",
      "bank_last_updated": "2026-08-26T14:27:19.000+10:00"
     },
     {
      "rank": 35,
      "brand": "Firefighters Mutual Bank",
      "brand_label": "Firefighters Mutual Bank",
      "brand_slug": "firefighters-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian e…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/aa76cccb-0cf7-4330-8eb6-e2756aefce0e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/firefighters-mutual-bank/aa76cccb-0cf7-4330-8eb6-e2756aefce0e.json",
      "product_url": "https://www.fmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:15:19.000+10:00"
     },
     {
      "rank": 36,
      "brand": "Health Professionals Bank",
      "brand_label": "Health Professionals Bank",
      "brand_slug": "health-professionals-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees in the Australian health sector o…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/hpbank/cds-au/v1/banking/products/d45a38f4-5462-4883-8239-7eaea4e2871b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/health-professionals-bank/d45a38f4-5462-4883-8239-7eaea4e2871b.json",
      "product_url": "https://www.hpbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-14T09:14:44.000+10:00"
     },
     {
      "rank": 37,
      "brand": "Teachers Mutual Bank",
      "brand_label": "Teachers Mutual Bank",
      "brand_slug": "teachers-mutual-bank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/e556280d-1d2b-4fb1-b22f-151e8050bdda",
      "source_snapshot": "/au/finance/term-deposits/v1/source/teachers-mutual-bank/e556280d-1d2b-4fb1-b22f-151e8050bdda.json",
      "product_url": "https://www.tmbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:18:27.000+10:00"
     },
     {
      "rank": 38,
      "brand": "UniBank",
      "brand_label": "UniBank",
      "brand_slug": "unibank",
      "product_name": "Term Deposit for Edvest Members",
      "product_label": "Term Deposit for Edvest Members",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 499999.99,
      "tier_min": 5000.0,
      "tier_max": 9999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 499999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying…",
       "You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or fami…"
      ],
      "stacked_bonus": null,
      "source_url": "https://ob.tmbl.com.au/unibank/cds-au/v1/banking/products/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unibank/75a18d90-7c65-4fb0-86d8-16b13b7dbe5c.json",
      "product_url": "https://www.unibank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-07-13T17:25:09.000+10:00"
     },
     {
      "rank": 39,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 47,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 40,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 47,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 41,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 47,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 42,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Bendigo Cash Solutions Term Deposit",
      "product_label": "Cash Solutions Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/b85e1a64-ee7f-475d-b2dd-c0de7b5504b7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/b85e1a64-ee7f-475d-b2dd-c0de7b5504b7.json",
      "product_url": null,
      "bank_last_updated": "2026-07-24T01:18:35.447Z"
     },
     {
      "rank": 43,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 44,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 45,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest 6 Monthly",
      "product_label": "Term Investment - Interest 6 Monthly",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "half_yearly",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 47,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P47M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3005",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3005.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-23T14:00:00Z"
     },
     {
      "rank": 46,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 36 Mth Trf 12 Mthly",
      "product_label": "INV - 36 Mth Trf 12 Mthly",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 200000.0,
      "tier_max": null,
      "deposit_min": 200000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/25",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/25.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-03-23T12:00:30.9673694Z"
     },
     {
      "rank": 47,
      "brand": "BOQ Specialist",
      "brand_label": "BOQ Specialist",
      "brand_slug": "boq-specialist",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 100000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 100000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively available to medical professionals and accountants"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/78906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/boq-specialist/78906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boqspecialist.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-21T00:19:38Z"
     },
     {
      "rank": 48,
      "brand": "BCU Bank",
      "brand_label": "BCU Bank",
      "brand_slug": "bcu-bank",
      "product_name": "36 Month Term Deposit - Yearly",
      "product_label": "36 Month Term Deposit - Yearly",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a BCU Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.bcu.com.au/cds-au/v1/banking/products/119",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/119.json",
      "product_url": "https://www.bcu.com.au/everyday-banking/term-deposits/regular-income-term-deposit/",
      "bank_last_updated": "2026-06-11T04:00:41.6927295Z"
     },
     {
      "rank": 49,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "TD 36-60 Mth (Yr Int)",
      "product_label": "TD 36-60 Mth (Yr Int)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "annually",
      "term_months": 35,
      "term_min_months": 35,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/29",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/29.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-06-28T16:00:22.3851793Z"
     },
     {
      "rank": 50,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 51,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 499999.0,
      "deposit_min": 100000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 52,
      "brand": "Australian Military Bank",
      "brand_label": "Australian Military Bank",
      "brand_slug": "australian-military-bank",
      "product_name": "Teen Plus",
      "product_label": "Teen Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.032,
      "rate_pct": 3.2,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": null,
      "deposit_min": 500.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 18 and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.australianmilitarybank.com.au/cds-au/v1/banking/products/4f86dc3e-4af2-40a4-adcf-210d341f538f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/australian-military-bank/4f86dc3e-4af2-40a4-adcf-210d341f538f.json",
      "product_url": "https://www.australianmilitarybank.com.au/term-deposits",
      "bank_last_updated": "2026-08-24T23:18:21.610306Z"
     },
     {
      "rank": 53,
      "brand": "RSL Money",
      "brand_label": "RSL Money",
      "brand_slug": "rsl-money",
      "product_name": "RSL Sub-Branch Investment Plus",
      "product_label": "Sub-Branch Investment Plus",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.032,
      "rate_pct": 3.2,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively for RSL Sub Branches and their members"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.rslmoney.com.au/cds-au/v1/banking/products/0cf9e8d4-3a9d-4bbb-9b7c-3065f1a52a65",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rsl-money/0cf9e8d4-3a9d-4bbb-9b7c-3065f1a52a65.json",
      "product_url": "https://www.rslmoney.com.au/contact",
      "bank_last_updated": "2026-08-24T04:54:23.540815Z"
     },
     {
      "rank": 54,
      "brand": "Cairns bank",
      "brand_label": "Cairns Bank",
      "brand_slug": "cairns-bank",
      "product_name": "Term deposits 12mths over $500,000 mthly interest",
      "product_label": "Term Deposit 12mths Over $500,000 Mthly Interest",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0315,
      "rate_pct": 3.15,
      "interest_paid": "monthly",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": 1095,
      "term_days_max": 1096,
      "term_raw": "P1096D",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/I99_12M_OVER_500K",
      "source_snapshot": "/au/finance/term-deposits/v1/source/cairns-bank/I99_12M_OVER_500K.json",
      "product_url": "https://cairnsbank.com.au/banking/personal-banking/term-deposit-account",
      "bank_last_updated": "2026-06-29T09:36:15.000+10:00"
     },
     {
      "rank": 55,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.029,
      "rate_pct": 2.9,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     },
     {
      "rank": 56,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 57,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 36 Months",
      "product_label": "Package TD 36 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.017,
      "rate_pct": 1.7,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/38",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/38.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "48": [
     {
      "rank": 1,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.055,
      "rate_pct": 5.5,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 2,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To open an account, you must have a valid email address and an Australian mobile number.",
       "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD01.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD01.1.json",
      "product_url": "https://apply.heartlandbank.com.au/banking/HBSelfService/servletcontroller?ProductType=CBL_DEPOSIT_TERM_MB&CustomerType=Individual",
      "bank_last_updated": "2026-09-29T06:16:43Z"
     },
     {
      "rank": 3,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 4,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Online Term Deposit",
      "product_label": "Online Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 100000.01,
      "tier_max": 250000.0,
      "deposit_min": 100000.01,
      "deposit_max": 250000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "New customers are required to open and maintain a High Interest Savings Account (HISA) which is a variable rate at-call savings account which does not charge f…",
       "loyalty bonus on rollover"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/9b82ebfd-cd77-4c6c-a8de-880fdabf0bf4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/9b82ebfd-cd77-4c6c-a8de-880fdabf0bf4.json",
      "product_url": "https://myapplication.rabobank.com.au/apply?CONT=AU&PID=TERMDEP",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 5,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 6,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Platinum Plus Term Deposit 13-60 Months",
      "product_label": "Platinum Plus Term Deposit 13-60 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 55 and over: To receive the Platinum Plus Club Member rates, the account owner of the term deposit must be either an individual aged 55 years or over, or a…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1100-0600",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1100-0600.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits/platinum-plus-term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 7,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "4 Year Term Deposit",
      "product_label": "4 Year Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": 1460,
      "term_days_min": 1460,
      "term_days_max": 1460,
      "term_raw": "P1460D",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 9999999.0,
      "deposit_min": 500.0,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to members only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/4c2df64d-a244-4f64-a0c4-61c6fb650b58",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/4c2df64d-a244-4f64-a0c4-61c6fb650b58.json",
      "product_url": "https://form.bankfirst.com.au/account-application",
      "bank_last_updated": "2026-09-16T23:04:41.243384Z"
     },
     {
      "rank": 8,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 9,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 100000.0,
      "tier_max": 999999.0,
      "deposit_min": 100000.0,
      "deposit_max": 999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 10,
      "brand": "Police Credit Union Ltd",
      "brand_label": "Police Credit Union",
      "brand_slug": "police-credit-union-ltd",
      "product_name": "YORKETOWN TERM DEPOSIT",
      "product_label": "Yorketown Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": 2500000.0,
      "tier_min": 50000.0,
      "tier_max": 2500000.0,
      "deposit_min": 50000.0,
      "deposit_max": 2500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/I76_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-credit-union-ltd/I76_TERM_DEPOSIT.json",
      "product_url": "https://www.policecu.com.au/rates/",
      "bank_last_updated": "2026-04-30T15:05:43.000+09:30"
     },
     {
      "rank": 11,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "Term Deposit 48 Months",
      "product_label": "Term Deposit 48 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I20_Term_Deposit_48_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I20_Term_Deposit_48_months.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:55:48.000+10:00"
     },
     {
      "rank": 12,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.046,
      "rate_pct": 4.6,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 13,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0425,
      "rate_pct": 4.25,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 14,
      "brand": "Border Bank",
      "brand_label": "Border Bank",
      "brand_slug": "border-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "half_yearly",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/797f3952-486a-4683-9bcc-462ad80599fd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/border-bank/797f3952-486a-4683-9bcc-462ad80599fd.json",
      "product_url": "https://www.borderbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:29.599Z"
     },
     {
      "rank": 15,
      "brand": "Police Bank",
      "brand_label": "Police Bank",
      "brand_slug": "police-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "half_yearly",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/934b3b27-224e-41b9-a827-2032ec619780",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-bank/934b3b27-224e-41b9-a827-2032ec619780.json",
      "product_url": "https://www.policebank.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:27.339Z"
     },
     {
      "rank": 16,
      "brand": "QBANK",
      "brand_label": "QBank",
      "brand_slug": "qbank",
      "product_name": "Term Deposit 48 Month",
      "product_label": "Term Deposit 48 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0415,
      "rate_pct": 4.15,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": 250000.0,
      "tier_max": 9999999.0,
      "deposit_min": 250000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You do not have to be a member of Qbank to hold a term deposit."
      ],
      "stacked_bonus": null,
      "source_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/I48_Term_48",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qbank/I48_Term_48.json",
      "product_url": "https://www.qbank.com.au/products/accounts/term-deposits",
      "bank_last_updated": "2026-05-11T19:53:12.000+10:00"
     },
     {
      "rank": 17,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 59,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P59M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 18,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 59,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 19,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 59,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 20,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 59,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 21,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 59,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 22,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 23,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Bendigo Cash Solutions Term Deposit",
      "product_label": "Cash Solutions Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/b85e1a64-ee7f-475d-b2dd-c0de7b5504b7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/b85e1a64-ee7f-475d-b2dd-c0de7b5504b7.json",
      "product_url": null,
      "bank_last_updated": "2026-07-24T01:18:35.447Z"
     },
     {
      "rank": 24,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 25,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 48-60 Mth Trf 12 Mthly",
      "product_label": "INV - 48-60 Mth Trf 12 Mthly",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 200000.0,
      "tier_max": null,
      "deposit_min": 200000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/13",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/13.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-03-23T12:00:30.9673694Z"
     },
     {
      "rank": 26,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 27,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 1000000.0,
      "deposit_min": 100000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 28,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 29,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest 6 Monthly",
      "product_label": "Term Investment - Interest 6 Monthly",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "half_yearly",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 59,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P59M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3005",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3005.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-23T14:00:00Z"
     },
     {
      "rank": 30,
      "brand": "BOQ Specialist",
      "brand_label": "BOQ Specialist",
      "brand_slug": "boq-specialist",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 100000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 100000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively available to medical professionals and accountants"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/78906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/boq-specialist/78906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boqspecialist.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-21T00:19:38Z"
     },
     {
      "rank": 31,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "TD 36-60 Mth (Yr Int)",
      "product_label": "TD 36-60 Mth (Yr Int)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "annually",
      "term_months": 35,
      "term_min_months": 35,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/29",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/29.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-06-28T16:00:22.3851793Z"
     },
     {
      "rank": 32,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 33,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 499999.0,
      "deposit_min": 100000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 34,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 37,
      "term_min_months": 37,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": 1096,
      "term_days_max": 1460,
      "term_raw": "P1460D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 9999999.0,
      "deposit_min": 49999.01,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 35,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.029,
      "rate_pct": 2.9,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     },
     {
      "rank": 36,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 37,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 48 Months",
      "product_label": "Package TD 48 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0075,
      "rate_pct": 0.75,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/39",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/39.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "60": [
     {
      "rank": 1,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Personal Term Deposits",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.055,
      "rate_pct": 5.5,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/09c281bb-27cb-4daf-88f4-067e28d37ea4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/09c281bb-27cb-4daf-88f4-067e28d37ea4.json",
      "product_url": "https://www.judo.bank/personal-term-deposit",
      "bank_last_updated": "2026-09-15T23:59:29.450821Z"
     },
     {
      "rank": 2,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 3,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To open an account, you must have a valid email address and an Australian mobile number.",
       "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD01.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD01.1.json",
      "product_url": "https://apply.heartlandbank.com.au/banking/HBSelfService/servletcontroller?ProductType=CBL_DEPOSIT_TERM_MB&CustomerType=Individual",
      "bank_last_updated": "2026-09-29T06:16:43Z"
     },
     {
      "rank": 4,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Online Term Deposit",
      "product_label": "Online Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 100000.01,
      "tier_max": 250000.0,
      "deposit_min": 100000.01,
      "deposit_max": 250000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "New customers are required to open and maintain a High Interest Savings Account (HISA) which is a variable rate at-call savings account which does not charge f…",
       "loyalty bonus on rollover"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/9b82ebfd-cd77-4c6c-a8de-880fdabf0bf4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/9b82ebfd-cd77-4c6c-a8de-880fdabf0bf4.json",
      "product_url": "https://myapplication.rabobank.com.au/apply?CONT=AU&PID=TERMDEP",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 5,
      "brand": "Great Southern Bank",
      "brand_label": "Great Southern Bank",
      "brand_slug": "great-southern-bank",
      "product_name": "Platinum Plus Term Deposit 13-60 Months",
      "product_label": "Platinum Plus Term Deposit 13-60 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "age 55 and over: To receive the Platinum Plus Club Member rates, the account owner of the term deposit must be either an individual aged 55 years or over, or a…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1100-0600",
      "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1100-0600.json",
      "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits/platinum-plus-term-deposits",
      "bank_last_updated": "2026-08-26T14:00:01.00000Z"
     },
     {
      "rank": 6,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit (2)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/8f46d7ad-ed48-49a5-a13f-783d3f1102a5.json",
      "product_url": "https://www.heritage.com.au/banking/investment/term-deposits",
      "bank_last_updated": "2026-09-22T14:00:28.42Z"
     },
     {
      "rank": 7,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "5 Year Term Deposit",
      "product_label": "5 Year Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": 1825,
      "term_days_min": 1825,
      "term_days_max": 1825,
      "term_raw": "P1825D",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 9999999.0,
      "deposit_min": 500.0,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to members only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/c736d104-9610-49fa-a85c-6680e61eafc0",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/c736d104-9610-49fa-a85c-6680e61eafc0.json",
      "product_url": "https://form.bankfirst.com.au/account-application",
      "bank_last_updated": "2026-09-16T23:04:47.72782Z"
     },
     {
      "rank": 8,
      "brand": "Bankwest",
      "brand_label": "Bankwest",
      "brand_slug": "bankwest",
      "product_name": "Bankwest Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 10000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Account is available for single and joint account holder.",
       "You must have a current Direct Debit Request at all times (this enables us to transfer funds from your Linked Account to your account).",
       "You must have an Australian transaction account, with Bankwest or another financial institution, that allows direct debits to and from the account (so we can t…",
       "A Linked Account is optional for a Bankwest Term Deposit that is migrated from a Gold Term Deposit.",
       "Maximum term of the deposit is five years: Maximum term 5 years",
       "Minimum term of the deposit is one month: Minimum term 1 month"
      ],
      "stacked_bonus": null,
      "source_url": "https://open-api.bankwest.com.au/bwpublic/cds-au/v1/banking/products/45ae8068128d4bb68cb8acb1065637d5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwest/45ae8068128d4bb68cb8acb1065637d5.json",
      "product_url": "https://www.bankwest.com.au/term-deposit",
      "bank_last_updated": "2026-10-01T11:41:54.000Z"
     },
     {
      "rank": 9,
      "brand": "Suncorp Bank",
      "brand_label": "Suncorp Bank",
      "brand_slug": "suncorp-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": 2000001.0,
      "tier_min": 100000.0,
      "tier_max": 999999.0,
      "deposit_min": 100000.0,
      "deposit_max": 999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/TD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
      "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
      "bank_last_updated": "2026-10-01T14:00:00.000Z"
     },
     {
      "rank": 10,
      "brand": "Unity Bank",
      "brand_label": "Unity Bank",
      "brand_slug": "unity-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0425,
      "rate_pct": 4.25,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 9999999.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://ibank.unity.bank/OpenBanking/cds-au/v1/banking/products/I30_ALL_TERMS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
      "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
      "bank_last_updated": "2026-06-24T14:58:48.000+10:00"
     },
     {
      "rank": 11,
      "brand": "BankVic",
      "brand_label": "BankVic",
      "brand_slug": "bankvic",
      "product_name": "Term Deposit 60 Months",
      "product_label": "Term Deposit 60 Months",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "BankVic Member"
      ],
      "stacked_bonus": null,
      "source_url": "https://ib.bankvic.com.au/openbanking/cds-au/v1/banking/products/I20_Term_Deposit_60_months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankvic/I20_Term_Deposit_60_months.json",
      "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
      "bank_last_updated": "2026-08-12T16:55:48.000+10:00"
     },
     {
      "rank": 12,
      "brand": "Border Bank",
      "brand_label": "Border Bank",
      "brand_slug": "border-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "half_yearly",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.borderbank.com.au/cds-au/v1/banking/products/797f3952-486a-4683-9bcc-462ad80599fd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/border-bank/797f3952-486a-4683-9bcc-462ad80599fd.json",
      "product_url": "https://www.borderbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:29.599Z"
     },
     {
      "rank": 13,
      "brand": "Police Bank",
      "brand_label": "Police Bank",
      "brand_slug": "police-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.042,
      "rate_pct": 4.2,
      "interest_paid": "half_yearly",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/934b3b27-224e-41b9-a827-2032ec619780",
      "source_snapshot": "/au/finance/term-deposits/v1/source/police-bank/934b3b27-224e-41b9-a827-2032ec619780.json",
      "product_url": "https://www.policebank.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-02T14:01:27.339Z"
     },
     {
      "rank": 14,
      "brand": "QBANK",
      "brand_label": "QBank",
      "brand_slug": "qbank",
      "product_name": "Term Deposit 60 Month",
      "product_label": "Term Deposit 60 Month",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0415,
      "rate_pct": 4.15,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": 250000.0,
      "tier_max": 9999999.0,
      "deposit_min": 250000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You do not have to be a member of Qbank to hold a term deposit."
      ],
      "stacked_bonus": null,
      "source_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/I64_Term_60",
      "source_snapshot": "/au/finance/term-deposits/v1/source/qbank/I64_Term_60.json",
      "product_url": "https://www.qbank.com.au/products/accounts/term-deposits/",
      "bank_last_updated": "2026-05-11T19:55:44.000+10:00"
     },
     {
      "rank": 15,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 16,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 17,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
      "product_url": "https://www.banksa.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 18,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check…",
       "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/personal/bank-accounts/term-deposits",
      "bank_last_updated": "2026-09-21T00:57:08Z"
     },
     {
      "rank": 19,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Advance Notice Term Deposit",
      "product_label": "Advance Notice Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You will need an existing ANZ everyday account or ANZ savings account",
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/2d41a5d3-0c8d-d5e9-cadc-195410627e08",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/2d41a5d3-0c8d-d5e9-cadc-195410627e08.json",
      "product_url": "https://www.anz.com.au/personal/bank-accounts/term-deposits/advance-notice/?CID=af:obank:tv",
      "bank_last_updated": "2026-09-23T14:01:00.000Z"
     },
     {
      "rank": 20,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 21,
      "brand": "IMB Bank",
      "brand_label": "IMB Bank",
      "brand_slug": "imb-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "The mininum term: 30 days"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-1-1.json",
      "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
      "bank_last_updated": "2026-10-02T00:00:00+10:00"
     },
     {
      "rank": 22,
      "brand": "Bendigo Bank",
      "brand_label": "Bendigo Bank",
      "brand_slug": "bendigo-bank",
      "product_name": "Bendigo Cash Solutions Term Deposit",
      "product_label": "Cash Solutions Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/b85e1a64-ee7f-475d-b2dd-c0de7b5504b7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bendigo-bank/b85e1a64-ee7f-475d-b2dd-c0de7b5504b7.json",
      "product_url": null,
      "bank_last_updated": "2026-07-24T01:18:35.447Z"
     },
     {
      "rank": 23,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 24,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 48-60 Mth Trf 12 Mthly",
      "product_label": "INV - 48-60 Mth Trf 12 Mthly",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 200000.0,
      "tier_max": null,
      "deposit_min": 200000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/13",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/13.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-03-23T12:00:30.9673694Z"
     },
     {
      "rank": 25,
      "brand": "Regional Australia Bank",
      "brand_label": "Regional Australia Bank",
      "brand_slug": "regional-australia-bank",
      "product_name": "Term Savings",
      "product_label": "Term Savings",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 1000.0,
      "max_balance": 500000.0,
      "tier_min": 1000.0,
      "tier_max": 500000.0,
      "deposit_min": 1000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
      "source_snapshot": "/au/finance/term-deposits/v1/source/regional-australia-bank/dea3dd4f-eeb8-4b11-9ee1-9c842d389890.json",
      "product_url": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
      "bank_last_updated": "2026-09-03T00:53:32.793654Z"
     },
     {
      "rank": 26,
      "brand": "Summerland Bank",
      "brand_label": "Summerland Bank",
      "brand_slug": "summerland-bank",
      "product_name": "Fixed Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 1000000.0,
      "deposit_min": 100000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.summerland.com.au/cds-au/v1/banking/products/69",
      "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
      "product_url": "https://summerland.com.au/open-an-account/",
      "bank_last_updated": "2026-09-03T00:00:41.0939577Z"
     },
     {
      "rank": 27,
      "brand": "Newcastle Permanent",
      "brand_label": "Newcastle Permanent",
      "brand_slug": "newcastle-permanent",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 99999999.99,
      "deposit_min": 1000.0,
      "deposit_max": 99999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
      "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
      "bank_last_updated": "2026-09-28T00:00:00+10:00"
     },
     {
      "rank": 28,
      "brand": "Greater Bank",
      "brand_label": "Greater Bank",
      "brand_slug": "greater-bank",
      "product_name": "Term Investment - Interest 6 Monthly",
      "product_label": "Term Investment - Interest 6 Monthly",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "half_yearly",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 50000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Must be identifiable in terms of legislative requirements"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.greater.com.au/cds-au/v1/banking/products/3005",
      "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3005.json",
      "product_url": "https://www.greater.com.au/personal/savings-accounts/term-deposit",
      "bank_last_updated": "2026-09-23T14:00:00Z"
     },
     {
      "rank": 29,
      "brand": "BOQ Specialist",
      "brand_label": "BOQ Specialist",
      "brand_slug": "boq-specialist",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 100000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 100000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Exclusively available to medical professionals and accountants"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boqspecialist.com.au/cds-au/v1/banking/products/78906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/boq-specialist/78906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boqspecialist.com.au/forms/term-deposits",
      "bank_last_updated": "2026-09-21T00:19:38Z"
     },
     {
      "rank": 30,
      "brand": "P&N Bank",
      "brand_label": "P&N Bank",
      "brand_slug": "p-n-bank",
      "product_name": "TD 36-60 Mth (Yr Int)",
      "product_label": "TD 36-60 Mth (Yr Int)",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "annually",
      "term_months": 35,
      "term_min_months": 35,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": 1000000.0,
      "tier_min": 5000.0,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be or become a P&N Bank member",
       "existing customers only",
       "new customers only"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/29",
      "source_snapshot": "/au/finance/term-deposits/v1/source/p-n-bank/29.json",
      "product_url": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
      "bank_last_updated": "2026-06-28T16:00:22.3851793Z"
     },
     {
      "rank": 31,
      "brand": "RACQ Bank",
      "brand_label": "RACQ Bank",
      "brand_slug": "racq-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
      "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
      "bank_last_updated": "2026-09-02T22:06:11Z"
     },
     {
      "rank": 32,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 50,
      "term_min_months": 50,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": 1491,
      "term_days_max": 1829,
      "term_raw": "P1829D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 9999999.0,
      "deposit_min": 49999.01,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 33,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": "Fixed Term Deposit - Personal",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.032,
      "rate_pct": 3.2,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 499999.0,
      "deposit_min": 100000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       " Available to individuals or business customers.  Minimum opening balance $1.  Successful completion of applicable Arab Bank Australia Limited (ABAL) identi…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/PERSTD",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/PERSTD.json",
      "product_url": "https://www.arabbank.com.au/personal/transaction-investment-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-16T04:32:01.793889Z"
     },
     {
      "rank": 34,
      "brand": "Credit Union SA",
      "brand_label": "Credit Union SA",
      "brand_slug": "credit-union-sa",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal"
      ],
      "rate": 0.029,
      "rate_pct": 2.9,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_INV",
      "source_snapshot": "/au/finance/term-deposits/v1/source/credit-union-sa/CREDITUNIONSA_INV.json",
      "product_url": "https://apply.creditunionsa.com.au/cusa/servlet/SmartForm.html?formCode=membership-personal",
      "bank_last_updated": "2026-09-16T00:00:00.000+10:00"
     },
     {
      "rank": 35,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 36,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 60 Months",
      "product_label": "Package TD 60 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0075,
      "rate_pct": 0.75,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/40",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/40.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ]
   }
  },
  "smsf": {
   "10000": {
    "1": [
     {
      "rank": 1,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/Bus_TD_01",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/Bus_TD_01.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.74711Z"
     },
     {
      "rank": 2,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit  1 mth",
      "product_label": "Business Term Deposit 1 Mth",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/243",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/243.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-05-20T00:00:00.000+10:00"
     },
     {
      "rank": 3,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 4,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 5,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0145,
      "rate_pct": 1.45,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     }
    ],
    "2": [
     {
      "rank": 1,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0445,
      "rate_pct": 4.45,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/Bus_TD_01",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/Bus_TD_01.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.74711Z"
     },
     {
      "rank": 2,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.023,
      "rate_pct": 2.3,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 3,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 2 mths",
      "product_label": "Business Term Deposit 2 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available on request"
      ],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/244",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/244.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-05-20T00:00:00.000+10:00"
     },
     {
      "rank": 4,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 5,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.017,
      "rate_pct": 1.7,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     }
    ],
    "3": [
     {
      "rank": 1,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 3 months",
      "product_label": "Term Deposit 3 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Personal, Joint, Self Managed Super Fund (SMSF), Business & Trust."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/b7a085bb-a6cc-46a8-a052-ed6f42b1d58b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/b7a085bb-a6cc-46a8-a052-ed6f42b1d58b.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=203",
      "bank_last_updated": "2026-09-21T22:00:25.125Z"
     },
     {
      "rank": 2,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": 90,
      "term_days_min": 90,
      "term_days_max": 90,
      "term_raw": "P90D",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 3,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 4,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/Bus_TD_01",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/Bus_TD_01.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.74711Z"
     },
     {
      "rank": 5,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 6,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 7,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 3 mths",
      "product_label": "Business Term Deposit 3 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0435,
      "rate_pct": 4.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/245",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/245.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 8,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 9,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "SELFMANAGED SUPER FUND",
      "product_label": "Selfmanaged Super Fund",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0315,
      "rate_pct": 3.15,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/SELFMANAGED_SUPER_FUND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/SELFMANAGED_SUPER_FUND.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/smsf-accounts/",
      "bank_last_updated": "2026-05-12T09:32:57.000+10:00"
     }
    ],
    "4": [
     {
      "rank": 1,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 4 mths",
      "product_label": "Business Term Deposit 4 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/246",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/246.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-05-20T00:00:00.000+10:00"
     },
     {
      "rank": 2,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": 120,
      "term_days_min": 120,
      "term_days_max": 120,
      "term_raw": "P120D",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 3,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/Bus_TD_01",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/Bus_TD_01.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.74711Z"
     },
     {
      "rank": 4,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 5,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.039,
      "rate_pct": 3.9,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 6,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 7,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "SELFMANAGED SUPER FUND",
      "product_label": "Selfmanaged Super Fund",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0315,
      "rate_pct": 3.15,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/SELFMANAGED_SUPER_FUND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/SELFMANAGED_SUPER_FUND.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/smsf-accounts/",
      "bank_last_updated": "2026-05-12T09:32:57.000+10:00"
     }
    ],
    "5": [
     {
      "rank": 1,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/Bus_TD_01",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/Bus_TD_01.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.74711Z"
     },
     {
      "rank": 2,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 3,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 5 mths",
      "product_label": "Business Term Deposit 5 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/247",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/247.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 4,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.039,
      "rate_pct": 3.9,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 5,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 6,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "SELFMANAGED SUPER FUND",
      "product_label": "Selfmanaged Super Fund",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0315,
      "rate_pct": 3.15,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/SELFMANAGED_SUPER_FUND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/SELFMANAGED_SUPER_FUND.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/smsf-accounts/",
      "bank_last_updated": "2026-05-12T09:32:57.000+10:00"
     }
    ],
    "6": [
     {
      "rank": 1,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 2,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Impact Term Deposit 6 months",
      "product_label": "Impact Term Deposit 6 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/ad7a95c3-cdf1-4869-9d1e-6cc956b3ed75",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/ad7a95c3-cdf1-4869-9d1e-6cc956b3ed75.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=217",
      "bank_last_updated": "2026-08-31T22:00:26.705Z"
     },
     {
      "rank": 3,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/Bus_TD_01",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/Bus_TD_01.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.74711Z"
     },
     {
      "rank": 4,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": 180,
      "term_days_min": 180,
      "term_days_max": 180,
      "term_raw": "P180D",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 5,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 6,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…",
       "online only",
       "SMSF only",
       "Special Rate for online origination for SMSF customers. Available on balances from $5,000 to $5,000,000. Offer available for a limited time only. Please visit……"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 7,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 8,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 6 mths",
      "product_label": "Business Term Deposit 6 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/248",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/248.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 9,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "SELFMANAGED SUPER FUND",
      "product_label": "Selfmanaged Super Fund",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0315,
      "rate_pct": 3.15,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/SELFMANAGED_SUPER_FUND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/SELFMANAGED_SUPER_FUND.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/smsf-accounts/",
      "bank_last_updated": "2026-05-12T09:32:57.000+10:00"
     }
    ],
    "7": [
     {
      "rank": 1,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/Bus_TD_01",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/Bus_TD_01.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.74711Z"
     },
     {
      "rank": 2,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": 210,
      "term_days_min": 210,
      "term_days_max": 210,
      "term_raw": "P210D",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 3,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 4,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 5,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "SELFMANAGED SUPER FUND",
      "product_label": "Selfmanaged Super Fund",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0315,
      "rate_pct": 3.15,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/SELFMANAGED_SUPER_FUND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/SELFMANAGED_SUPER_FUND.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/smsf-accounts/",
      "bank_last_updated": "2026-05-12T09:32:57.000+10:00"
     }
    ],
    "8": [
     {
      "rank": 1,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/Bus_TD_01",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/Bus_TD_01.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.74711Z"
     },
     {
      "rank": 2,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 3,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 4,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "SELFMANAGED SUPER FUND",
      "product_label": "Selfmanaged Super Fund",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0315,
      "rate_pct": 3.15,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/SELFMANAGED_SUPER_FUND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/SELFMANAGED_SUPER_FUND.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/smsf-accounts/",
      "bank_last_updated": "2026-05-12T09:32:57.000+10:00"
     }
    ],
    "9": [
     {
      "rank": 1,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 2,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 9 months",
      "product_label": "Term Deposit 9 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/4b265f3c-7abc-4587-a86a-91601b228ddf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/4b265f3c-7abc-4587-a86a-91601b228ddf.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=209",
      "bank_last_updated": "2026-09-21T22:00:22.842Z"
     },
     {
      "rank": 3,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/Bus_TD_01",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/Bus_TD_01.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.74711Z"
     },
     {
      "rank": 4,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": 270,
      "term_days_min": 270,
      "term_days_max": 270,
      "term_raw": "P270D",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 5,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 6,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 7,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 9 mths",
      "product_label": "Business Term Deposit 9 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/249",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/249.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 8,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 9,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "SELFMANAGED SUPER FUND",
      "product_label": "Selfmanaged Super Fund",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0315,
      "rate_pct": 3.15,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/SELFMANAGED_SUPER_FUND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/SELFMANAGED_SUPER_FUND.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/smsf-accounts/",
      "bank_last_updated": "2026-05-12T09:32:57.000+10:00"
     }
    ],
    "10": [
     {
      "rank": 1,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/Bus_TD_01",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/Bus_TD_01.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.74711Z"
     },
     {
      "rank": 2,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 3,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 4,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "SELFMANAGED SUPER FUND",
      "product_label": "Selfmanaged Super Fund",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0315,
      "rate_pct": 3.15,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/SELFMANAGED_SUPER_FUND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/SELFMANAGED_SUPER_FUND.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/smsf-accounts/",
      "bank_last_updated": "2026-05-12T09:32:57.000+10:00"
     }
    ],
    "11": [
     {
      "rank": 1,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/Bus_TD_01",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/Bus_TD_01.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.74711Z"
     },
     {
      "rank": 2,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 3,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": 330,
      "term_days_min": 330,
      "term_days_max": 330,
      "term_raw": "P330D",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 4,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 5,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "SELFMANAGED SUPER FUND",
      "product_label": "Selfmanaged Super Fund",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0315,
      "rate_pct": 3.15,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/SELFMANAGED_SUPER_FUND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/SELFMANAGED_SUPER_FUND.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/smsf-accounts/",
      "bank_last_updated": "2026-05-12T09:32:57.000+10:00"
     }
    ],
    "12": [
     {
      "rank": 1,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0555,
      "rate_pct": 5.55,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 2,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 12 months",
      "product_label": "Term Deposit 12 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.055,
      "rate_pct": 5.5,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/644d03e6-be3c-4d25-a6d3-31f3467b5dd9",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/644d03e6-be3c-4d25-a6d3-31f3467b5dd9.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=212",
      "bank_last_updated": "2026-09-14T22:00:23.894Z"
     },
     {
      "rank": 3,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 4,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 5,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…",
       "Special rate for personal or SMSF customers only. Available on balances from $5,000 to $5,000,000 with interest paid annually."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 6,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/Bus_TD_01",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/Bus_TD_01.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.74711Z"
     },
     {
      "rank": 7,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 12 mths",
      "product_label": "Business Term Deposit 12 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/250",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/250.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 8,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 9,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "SELFMANAGED SUPER FUND",
      "product_label": "Selfmanaged Super Fund",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0305,
      "rate_pct": 3.05,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P23M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/SELFMANAGED_SUPER_FUND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/SELFMANAGED_SUPER_FUND.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/smsf-accounts/",
      "bank_last_updated": "2026-05-12T09:32:57.000+10:00"
     }
    ],
    "18": [
     {
      "rank": 1,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y6M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 2,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 3,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 18 months",
      "product_label": "Term Deposit 18 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/3d455cd8-7fed-4849-a85a-dee559f127e6",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/3d455cd8-7fed-4849-a85a-dee559f127e6.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=213",
      "bank_last_updated": "2026-06-24T05:52:03.943Z"
     },
     {
      "rank": 4,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Online Term Deposit (SMSF)",
      "product_label": "Online Term Deposit (SMSF)",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0345,
      "rate_pct": 3.45,
      "interest_paid": "half_yearly",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 100000.0,
      "deposit_min": 1000.0,
      "deposit_max": 100000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "New customers are required to open and maintain a High Interest Savings Account (HISA) which is a variable rate at-call savings account which does not charge f…",
       "SMSF products are available only to SMSF trustees.",
       "loyalty bonus on rollover"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/e9b8ead5-06c6-428b-8a78-f731aebf07cc",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/e9b8ead5-06c6-428b-8a78-f731aebf07cc.json",
      "product_url": "https://myapplication.rabobank.com.au/apply?CONT=AU&ACCOUNTTYPE=SMSF&PID=TERMDEP",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 5,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "SELFMANAGED SUPER FUND",
      "product_label": "Selfmanaged Super Fund",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0305,
      "rate_pct": 3.05,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P23M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/SELFMANAGED_SUPER_FUND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/SELFMANAGED_SUPER_FUND.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/smsf-accounts/",
      "bank_last_updated": "2026-05-12T09:32:57.000+10:00"
     }
    ],
    "24": [
     {
      "rank": 1,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 2,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 24 months",
      "product_label": "Term Deposit 24 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/f69c781b-9809-4a83-bca8-310bd16461a9",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/f69c781b-9809-4a83-bca8-310bd16461a9.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=214",
      "bank_last_updated": "2026-09-21T22:00:26.182Z"
     },
     {
      "rank": 3,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 4,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 5,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit  24 mths",
      "product_label": "Business Term Deposit 24 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/228",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/228.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 6,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 33,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 7,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 8,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "SELFMANAGED SUPER FUND",
      "product_label": "Selfmanaged Super Fund",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0305,
      "rate_pct": 3.05,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/SELFMANAGED_SUPER_FUND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/SELFMANAGED_SUPER_FUND.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/smsf-accounts/",
      "bank_last_updated": "2026-05-12T09:32:57.000+10:00"
     }
    ],
    "36": [
     {
      "rank": 1,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 2,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 36 months",
      "product_label": "Term Deposit 36 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 3000000.0,
      "deposit_min": 500.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/a75b54b7-3278-4fba-95d9-9cc143471b8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/a75b54b7-3278-4fba-95d9-9cc143471b8d.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=285",
      "bank_last_updated": "2026-09-21T22:00:24.424Z"
     },
     {
      "rank": 3,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 4,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 5,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0455,
      "rate_pct": 4.55,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 47,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     }
    ],
    "48": [
     {
      "rank": 1,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.055,
      "rate_pct": 5.5,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 2,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 3,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 4,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 59,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     }
    ],
    "60": [
     {
      "rank": 1,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.055,
      "rate_pct": 5.5,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 2,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 3,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 4,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     }
    ]
   },
   "50000": {
    "1": [
     {
      "rank": 1,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/Bus_TD_01",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/Bus_TD_01.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.74711Z"
     },
     {
      "rank": 2,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit  1 mth",
      "product_label": "Business Term Deposit 1 Mth",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/243",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/243.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-05-20T00:00:00.000+10:00"
     },
     {
      "rank": 3,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 4,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 5,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.015,
      "rate_pct": 1.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     }
    ],
    "2": [
     {
      "rank": 1,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0445,
      "rate_pct": 4.45,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/Bus_TD_01",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/Bus_TD_01.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.74711Z"
     },
     {
      "rank": 2,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.023,
      "rate_pct": 2.3,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 3,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 2 mths",
      "product_label": "Business Term Deposit 2 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available on request"
      ],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/244",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/244.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-05-20T00:00:00.000+10:00"
     },
     {
      "rank": 4,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 5,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0175,
      "rate_pct": 1.75,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     }
    ],
    "3": [
     {
      "rank": 1,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 3 months",
      "product_label": "Term Deposit 3 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Personal, Joint, Self Managed Super Fund (SMSF), Business & Trust."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/b7a085bb-a6cc-46a8-a052-ed6f42b1d58b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/b7a085bb-a6cc-46a8-a052-ed6f42b1d58b.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=203",
      "bank_last_updated": "2026-09-21T22:00:25.125Z"
     },
     {
      "rank": 2,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": 90,
      "term_days_min": 90,
      "term_days_max": 90,
      "term_raw": "P90D",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 3,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 4,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/Bus_TD_01",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/Bus_TD_01.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.74711Z"
     },
     {
      "rank": 5,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 6,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 7,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 3 mths",
      "product_label": "Business Term Deposit 3 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0435,
      "rate_pct": 4.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/245",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/245.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 8,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 9,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "SELFMANAGED SUPER FUND",
      "product_label": "Selfmanaged Super Fund",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0315,
      "rate_pct": 3.15,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/SELFMANAGED_SUPER_FUND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/SELFMANAGED_SUPER_FUND.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/smsf-accounts/",
      "bank_last_updated": "2026-05-12T09:32:57.000+10:00"
     }
    ],
    "4": [
     {
      "rank": 1,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 4 mths",
      "product_label": "Business Term Deposit 4 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/246",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/246.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-05-20T00:00:00.000+10:00"
     },
     {
      "rank": 2,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": 120,
      "term_days_min": 120,
      "term_days_max": 120,
      "term_raw": "P120D",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 3,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/Bus_TD_01",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/Bus_TD_01.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.74711Z"
     },
     {
      "rank": 4,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 5,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.039,
      "rate_pct": 3.9,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 6,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 7,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "SELFMANAGED SUPER FUND",
      "product_label": "Selfmanaged Super Fund",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0315,
      "rate_pct": 3.15,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/SELFMANAGED_SUPER_FUND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/SELFMANAGED_SUPER_FUND.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/smsf-accounts/",
      "bank_last_updated": "2026-05-12T09:32:57.000+10:00"
     }
    ],
    "5": [
     {
      "rank": 1,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/Bus_TD_01",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/Bus_TD_01.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.74711Z"
     },
     {
      "rank": 2,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 3,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 5 mths",
      "product_label": "Business Term Deposit 5 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/247",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/247.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 4,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.039,
      "rate_pct": 3.9,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 5,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0345,
      "rate_pct": 3.45,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 6,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "SELFMANAGED SUPER FUND",
      "product_label": "Selfmanaged Super Fund",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0315,
      "rate_pct": 3.15,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/SELFMANAGED_SUPER_FUND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/SELFMANAGED_SUPER_FUND.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/smsf-accounts/",
      "bank_last_updated": "2026-05-12T09:32:57.000+10:00"
     }
    ],
    "6": [
     {
      "rank": 1,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 2,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Impact Term Deposit 6 months",
      "product_label": "Impact Term Deposit 6 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/ad7a95c3-cdf1-4869-9d1e-6cc956b3ed75",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/ad7a95c3-cdf1-4869-9d1e-6cc956b3ed75.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=217",
      "bank_last_updated": "2026-08-31T22:00:26.705Z"
     },
     {
      "rank": 3,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/Bus_TD_01",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/Bus_TD_01.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.74711Z"
     },
     {
      "rank": 4,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": 180,
      "term_days_min": 180,
      "term_days_max": 180,
      "term_raw": "P180D",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 5,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 6,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…",
       "online only",
       "SMSF only",
       "Special Rate for online origination for SMSF customers. Available on balances from $5,000 to $5,000,000. Offer available for a limited time only. Please visit……"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 7,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 8,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 6 mths",
      "product_label": "Business Term Deposit 6 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/248",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/248.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 9,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "SELFMANAGED SUPER FUND",
      "product_label": "Selfmanaged Super Fund",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0315,
      "rate_pct": 3.15,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/SELFMANAGED_SUPER_FUND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/SELFMANAGED_SUPER_FUND.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/smsf-accounts/",
      "bank_last_updated": "2026-05-12T09:32:57.000+10:00"
     }
    ],
    "7": [
     {
      "rank": 1,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/Bus_TD_01",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/Bus_TD_01.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.74711Z"
     },
     {
      "rank": 2,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": 210,
      "term_days_min": 210,
      "term_days_max": 210,
      "term_raw": "P210D",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 3,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 4,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 5,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "SELFMANAGED SUPER FUND",
      "product_label": "Selfmanaged Super Fund",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0315,
      "rate_pct": 3.15,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/SELFMANAGED_SUPER_FUND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/SELFMANAGED_SUPER_FUND.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/smsf-accounts/",
      "bank_last_updated": "2026-05-12T09:32:57.000+10:00"
     }
    ],
    "8": [
     {
      "rank": 1,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/Bus_TD_01",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/Bus_TD_01.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.74711Z"
     },
     {
      "rank": 2,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 3,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 4,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "SELFMANAGED SUPER FUND",
      "product_label": "Selfmanaged Super Fund",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0315,
      "rate_pct": 3.15,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/SELFMANAGED_SUPER_FUND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/SELFMANAGED_SUPER_FUND.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/smsf-accounts/",
      "bank_last_updated": "2026-05-12T09:32:57.000+10:00"
     }
    ],
    "9": [
     {
      "rank": 1,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 2,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 9 months",
      "product_label": "Term Deposit 9 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/4b265f3c-7abc-4587-a86a-91601b228ddf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/4b265f3c-7abc-4587-a86a-91601b228ddf.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=209",
      "bank_last_updated": "2026-09-21T22:00:22.842Z"
     },
     {
      "rank": 3,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/Bus_TD_01",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/Bus_TD_01.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.74711Z"
     },
     {
      "rank": 4,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": 270,
      "term_days_min": 270,
      "term_days_max": 270,
      "term_raw": "P270D",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 5,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 6,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 7,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 9 mths",
      "product_label": "Business Term Deposit 9 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/249",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/249.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 8,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 9,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "SELFMANAGED SUPER FUND",
      "product_label": "Selfmanaged Super Fund",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0315,
      "rate_pct": 3.15,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/SELFMANAGED_SUPER_FUND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/SELFMANAGED_SUPER_FUND.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/smsf-accounts/",
      "bank_last_updated": "2026-05-12T09:32:57.000+10:00"
     }
    ],
    "10": [
     {
      "rank": 1,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/Bus_TD_01",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/Bus_TD_01.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.74711Z"
     },
     {
      "rank": 2,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 3,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 4,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "SELFMANAGED SUPER FUND",
      "product_label": "Selfmanaged Super Fund",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0315,
      "rate_pct": 3.15,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/SELFMANAGED_SUPER_FUND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/SELFMANAGED_SUPER_FUND.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/smsf-accounts/",
      "bank_last_updated": "2026-05-12T09:32:57.000+10:00"
     }
    ],
    "11": [
     {
      "rank": 1,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/Bus_TD_01",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/Bus_TD_01.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.74711Z"
     },
     {
      "rank": 2,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 3,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": 330,
      "term_days_min": 330,
      "term_days_max": 330,
      "term_raw": "P330D",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 4,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 5,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "SELFMANAGED SUPER FUND",
      "product_label": "Selfmanaged Super Fund",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0315,
      "rate_pct": 3.15,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/SELFMANAGED_SUPER_FUND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/SELFMANAGED_SUPER_FUND.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/smsf-accounts/",
      "bank_last_updated": "2026-05-12T09:32:57.000+10:00"
     }
    ],
    "12": [
     {
      "rank": 1,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0555,
      "rate_pct": 5.55,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 2,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 12 months",
      "product_label": "Term Deposit 12 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.055,
      "rate_pct": 5.5,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/644d03e6-be3c-4d25-a6d3-31f3467b5dd9",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/644d03e6-be3c-4d25-a6d3-31f3467b5dd9.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=212",
      "bank_last_updated": "2026-09-14T22:00:23.894Z"
     },
     {
      "rank": 3,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 4,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 5,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…",
       "Special rate for personal or SMSF customers only. Available on balances from $5,000 to $5,000,000 with interest paid annually."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 6,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/Bus_TD_01",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/Bus_TD_01.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.74711Z"
     },
     {
      "rank": 7,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 12 mths",
      "product_label": "Business Term Deposit 12 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/250",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/250.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 8,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 9,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "SELFMANAGED SUPER FUND",
      "product_label": "Selfmanaged Super Fund",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0305,
      "rate_pct": 3.05,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P23M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/SELFMANAGED_SUPER_FUND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/SELFMANAGED_SUPER_FUND.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/smsf-accounts/",
      "bank_last_updated": "2026-05-12T09:32:57.000+10:00"
     }
    ],
    "18": [
     {
      "rank": 1,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y6M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 2,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0455,
      "rate_pct": 4.55,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 3,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 18 months",
      "product_label": "Term Deposit 18 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/3d455cd8-7fed-4849-a85a-dee559f127e6",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/3d455cd8-7fed-4849-a85a-dee559f127e6.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=213",
      "bank_last_updated": "2026-06-24T05:52:03.943Z"
     },
     {
      "rank": 4,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Online Term Deposit (SMSF)",
      "product_label": "Online Term Deposit (SMSF)",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0345,
      "rate_pct": 3.45,
      "interest_paid": "half_yearly",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 100000.0,
      "deposit_min": 1000.0,
      "deposit_max": 100000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "New customers are required to open and maintain a High Interest Savings Account (HISA) which is a variable rate at-call savings account which does not charge f…",
       "SMSF products are available only to SMSF trustees.",
       "loyalty bonus on rollover"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/e9b8ead5-06c6-428b-8a78-f731aebf07cc",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/e9b8ead5-06c6-428b-8a78-f731aebf07cc.json",
      "product_url": "https://myapplication.rabobank.com.au/apply?CONT=AU&ACCOUNTTYPE=SMSF&PID=TERMDEP",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 5,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "SELFMANAGED SUPER FUND",
      "product_label": "Selfmanaged Super Fund",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0305,
      "rate_pct": 3.05,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P23M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/SELFMANAGED_SUPER_FUND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/SELFMANAGED_SUPER_FUND.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/smsf-accounts/",
      "bank_last_updated": "2026-05-12T09:32:57.000+10:00"
     }
    ],
    "24": [
     {
      "rank": 1,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 2,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 24 months",
      "product_label": "Term Deposit 24 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/f69c781b-9809-4a83-bca8-310bd16461a9",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/f69c781b-9809-4a83-bca8-310bd16461a9.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=214",
      "bank_last_updated": "2026-09-21T22:00:26.182Z"
     },
     {
      "rank": 3,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 4,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 5,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit  24 mths",
      "product_label": "Business Term Deposit 24 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/228",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/228.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 6,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 33,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 7,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 8,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "SELFMANAGED SUPER FUND",
      "product_label": "Selfmanaged Super Fund",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0305,
      "rate_pct": 3.05,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/SELFMANAGED_SUPER_FUND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/SELFMANAGED_SUPER_FUND.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/smsf-accounts/",
      "bank_last_updated": "2026-05-12T09:32:57.000+10:00"
     }
    ],
    "36": [
     {
      "rank": 1,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 2,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 36 months",
      "product_label": "Term Deposit 36 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 3000000.0,
      "deposit_min": 500.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/a75b54b7-3278-4fba-95d9-9cc143471b8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/a75b54b7-3278-4fba-95d9-9cc143471b8d.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=285",
      "bank_last_updated": "2026-09-21T22:00:24.424Z"
     },
     {
      "rank": 3,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 4,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 5,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.046,
      "rate_pct": 4.6,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 47,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     }
    ],
    "48": [
     {
      "rank": 1,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.055,
      "rate_pct": 5.5,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 2,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 3,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 4,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 59,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     }
    ],
    "60": [
     {
      "rank": 1,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.055,
      "rate_pct": 5.5,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 2,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 3,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 4,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     }
    ]
   },
   "250000": {
    "1": [
     {
      "rank": 1,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/Bus_TD_01",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/Bus_TD_01.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.74711Z"
     },
     {
      "rank": 2,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit  1 mth",
      "product_label": "Business Term Deposit 1 Mth",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/243",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/243.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-05-20T00:00:00.000+10:00"
     },
     {
      "rank": 3,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 4,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 5,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.015,
      "rate_pct": 1.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     }
    ],
    "2": [
     {
      "rank": 1,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0445,
      "rate_pct": 4.45,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/Bus_TD_01",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/Bus_TD_01.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.74711Z"
     },
     {
      "rank": 2,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.023,
      "rate_pct": 2.3,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 3,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 2 mths",
      "product_label": "Business Term Deposit 2 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available on request"
      ],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/244",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/244.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-05-20T00:00:00.000+10:00"
     },
     {
      "rank": 4,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 5,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0175,
      "rate_pct": 1.75,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     }
    ],
    "3": [
     {
      "rank": 1,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 3 months",
      "product_label": "Term Deposit 3 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Personal, Joint, Self Managed Super Fund (SMSF), Business & Trust."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/b7a085bb-a6cc-46a8-a052-ed6f42b1d58b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/b7a085bb-a6cc-46a8-a052-ed6f42b1d58b.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=203",
      "bank_last_updated": "2026-09-21T22:00:25.125Z"
     },
     {
      "rank": 2,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": 90,
      "term_days_min": 90,
      "term_days_max": 90,
      "term_raw": "P90D",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 3,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 4,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/Bus_TD_01",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/Bus_TD_01.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.74711Z"
     },
     {
      "rank": 5,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 6,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 7,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 3 mths",
      "product_label": "Business Term Deposit 3 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0435,
      "rate_pct": 4.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/245",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/245.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 8,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 9,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "SELFMANAGED SUPER FUND",
      "product_label": "Selfmanaged Super Fund",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0315,
      "rate_pct": 3.15,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/SELFMANAGED_SUPER_FUND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/SELFMANAGED_SUPER_FUND.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/smsf-accounts/",
      "bank_last_updated": "2026-05-12T09:32:57.000+10:00"
     }
    ],
    "4": [
     {
      "rank": 1,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 4 mths",
      "product_label": "Business Term Deposit 4 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/246",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/246.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-05-20T00:00:00.000+10:00"
     },
     {
      "rank": 2,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": 120,
      "term_days_min": 120,
      "term_days_max": 120,
      "term_raw": "P120D",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 3,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/Bus_TD_01",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/Bus_TD_01.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.74711Z"
     },
     {
      "rank": 4,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 5,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.039,
      "rate_pct": 3.9,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 6,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 7,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "SELFMANAGED SUPER FUND",
      "product_label": "Selfmanaged Super Fund",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0315,
      "rate_pct": 3.15,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/SELFMANAGED_SUPER_FUND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/SELFMANAGED_SUPER_FUND.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/smsf-accounts/",
      "bank_last_updated": "2026-05-12T09:32:57.000+10:00"
     }
    ],
    "5": [
     {
      "rank": 1,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/Bus_TD_01",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/Bus_TD_01.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.74711Z"
     },
     {
      "rank": 2,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 3,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 5 mths",
      "product_label": "Business Term Deposit 5 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/247",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/247.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 4,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.039,
      "rate_pct": 3.9,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 5,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0345,
      "rate_pct": 3.45,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 6,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "SELFMANAGED SUPER FUND",
      "product_label": "Selfmanaged Super Fund",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0315,
      "rate_pct": 3.15,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/SELFMANAGED_SUPER_FUND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/SELFMANAGED_SUPER_FUND.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/smsf-accounts/",
      "bank_last_updated": "2026-05-12T09:32:57.000+10:00"
     }
    ],
    "6": [
     {
      "rank": 1,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 2,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Impact Term Deposit 6 months",
      "product_label": "Impact Term Deposit 6 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/ad7a95c3-cdf1-4869-9d1e-6cc956b3ed75",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/ad7a95c3-cdf1-4869-9d1e-6cc956b3ed75.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=217",
      "bank_last_updated": "2026-08-31T22:00:26.705Z"
     },
     {
      "rank": 3,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/Bus_TD_01",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/Bus_TD_01.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.74711Z"
     },
     {
      "rank": 4,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": 180,
      "term_days_min": 180,
      "term_days_max": 180,
      "term_raw": "P180D",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 5,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 6,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…",
       "online only",
       "SMSF only",
       "Special Rate for online origination for SMSF customers. Available on balances from $5,000 to $5,000,000. Offer available for a limited time only. Please visit……"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 7,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 8,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 6 mths",
      "product_label": "Business Term Deposit 6 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/248",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/248.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 9,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "SELFMANAGED SUPER FUND",
      "product_label": "Selfmanaged Super Fund",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0315,
      "rate_pct": 3.15,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/SELFMANAGED_SUPER_FUND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/SELFMANAGED_SUPER_FUND.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/smsf-accounts/",
      "bank_last_updated": "2026-05-12T09:32:57.000+10:00"
     }
    ],
    "7": [
     {
      "rank": 1,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/Bus_TD_01",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/Bus_TD_01.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.74711Z"
     },
     {
      "rank": 2,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": 210,
      "term_days_min": 210,
      "term_days_max": 210,
      "term_raw": "P210D",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 3,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 4,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 5,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "SELFMANAGED SUPER FUND",
      "product_label": "Selfmanaged Super Fund",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0315,
      "rate_pct": 3.15,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/SELFMANAGED_SUPER_FUND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/SELFMANAGED_SUPER_FUND.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/smsf-accounts/",
      "bank_last_updated": "2026-05-12T09:32:57.000+10:00"
     }
    ],
    "8": [
     {
      "rank": 1,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/Bus_TD_01",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/Bus_TD_01.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.74711Z"
     },
     {
      "rank": 2,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 3,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 4,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "SELFMANAGED SUPER FUND",
      "product_label": "Selfmanaged Super Fund",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0315,
      "rate_pct": 3.15,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/SELFMANAGED_SUPER_FUND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/SELFMANAGED_SUPER_FUND.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/smsf-accounts/",
      "bank_last_updated": "2026-05-12T09:32:57.000+10:00"
     }
    ],
    "9": [
     {
      "rank": 1,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 2,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 9 months",
      "product_label": "Term Deposit 9 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/4b265f3c-7abc-4587-a86a-91601b228ddf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/4b265f3c-7abc-4587-a86a-91601b228ddf.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=209",
      "bank_last_updated": "2026-09-21T22:00:22.842Z"
     },
     {
      "rank": 3,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/Bus_TD_01",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/Bus_TD_01.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.74711Z"
     },
     {
      "rank": 4,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": 270,
      "term_days_min": 270,
      "term_days_max": 270,
      "term_raw": "P270D",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 5,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 6,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 7,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 9 mths",
      "product_label": "Business Term Deposit 9 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/249",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/249.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 8,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 9,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "SELFMANAGED SUPER FUND",
      "product_label": "Selfmanaged Super Fund",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0315,
      "rate_pct": 3.15,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/SELFMANAGED_SUPER_FUND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/SELFMANAGED_SUPER_FUND.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/smsf-accounts/",
      "bank_last_updated": "2026-05-12T09:32:57.000+10:00"
     }
    ],
    "10": [
     {
      "rank": 1,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/Bus_TD_01",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/Bus_TD_01.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.74711Z"
     },
     {
      "rank": 2,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 3,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 4,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "SELFMANAGED SUPER FUND",
      "product_label": "Selfmanaged Super Fund",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0315,
      "rate_pct": 3.15,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/SELFMANAGED_SUPER_FUND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/SELFMANAGED_SUPER_FUND.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/smsf-accounts/",
      "bank_last_updated": "2026-05-12T09:32:57.000+10:00"
     }
    ],
    "11": [
     {
      "rank": 1,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/Bus_TD_01",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/Bus_TD_01.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.74711Z"
     },
     {
      "rank": 2,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 3,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": 330,
      "term_days_min": 330,
      "term_days_max": 330,
      "term_raw": "P330D",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 4,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 5,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "SELFMANAGED SUPER FUND",
      "product_label": "Selfmanaged Super Fund",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0315,
      "rate_pct": 3.15,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/SELFMANAGED_SUPER_FUND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/SELFMANAGED_SUPER_FUND.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/smsf-accounts/",
      "bank_last_updated": "2026-05-12T09:32:57.000+10:00"
     }
    ],
    "12": [
     {
      "rank": 1,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0555,
      "rate_pct": 5.55,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 2,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 12 months",
      "product_label": "Term Deposit 12 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.055,
      "rate_pct": 5.5,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/644d03e6-be3c-4d25-a6d3-31f3467b5dd9",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/644d03e6-be3c-4d25-a6d3-31f3467b5dd9.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=212",
      "bank_last_updated": "2026-09-14T22:00:23.894Z"
     },
     {
      "rank": 3,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 4,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 5,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…",
       "Special rate for personal or SMSF customers only. Available on balances from $5,000 to $5,000,000 with interest paid annually."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 6,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/Bus_TD_01",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/Bus_TD_01.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.74711Z"
     },
     {
      "rank": 7,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 12 mths",
      "product_label": "Business Term Deposit 12 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/250",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/250.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 8,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 9,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "SELFMANAGED SUPER FUND",
      "product_label": "Selfmanaged Super Fund",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0305,
      "rate_pct": 3.05,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P23M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/SELFMANAGED_SUPER_FUND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/SELFMANAGED_SUPER_FUND.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/smsf-accounts/",
      "bank_last_updated": "2026-05-12T09:32:57.000+10:00"
     }
    ],
    "18": [
     {
      "rank": 1,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y6M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 2,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0455,
      "rate_pct": 4.55,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 3,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 18 months",
      "product_label": "Term Deposit 18 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/3d455cd8-7fed-4849-a85a-dee559f127e6",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/3d455cd8-7fed-4849-a85a-dee559f127e6.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=213",
      "bank_last_updated": "2026-06-24T05:52:03.943Z"
     },
     {
      "rank": 4,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Online Term Deposit (SMSF)",
      "product_label": "Online Term Deposit (SMSF)",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "half_yearly",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 100000.01,
      "tier_max": 250000.0,
      "deposit_min": 100000.01,
      "deposit_max": 250000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "New customers are required to open and maintain a High Interest Savings Account (HISA) which is a variable rate at-call savings account which does not charge f…",
       "SMSF products are available only to SMSF trustees.",
       "loyalty bonus on rollover"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/e9b8ead5-06c6-428b-8a78-f731aebf07cc",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/e9b8ead5-06c6-428b-8a78-f731aebf07cc.json",
      "product_url": "https://myapplication.rabobank.com.au/apply?CONT=AU&ACCOUNTTYPE=SMSF&PID=TERMDEP",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 5,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "SELFMANAGED SUPER FUND",
      "product_label": "Selfmanaged Super Fund",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0305,
      "rate_pct": 3.05,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P23M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/SELFMANAGED_SUPER_FUND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/SELFMANAGED_SUPER_FUND.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/smsf-accounts/",
      "bank_last_updated": "2026-05-12T09:32:57.000+10:00"
     }
    ],
    "24": [
     {
      "rank": 1,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 2,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 24 months",
      "product_label": "Term Deposit 24 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/f69c781b-9809-4a83-bca8-310bd16461a9",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/f69c781b-9809-4a83-bca8-310bd16461a9.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=214",
      "bank_last_updated": "2026-09-21T22:00:26.182Z"
     },
     {
      "rank": 3,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 4,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 5,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit  24 mths",
      "product_label": "Business Term Deposit 24 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/228",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/228.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 6,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 33,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 7,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 8,
      "brand": "TMCU",
      "brand_label": "Transport Mutual Credit Union",
      "brand_slug": "tmcu",
      "product_name": "SELFMANAGED SUPER FUND",
      "product_label": "Selfmanaged Super Fund",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0305,
      "rate_pct": 3.05,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/SELFMANAGED_SUPER_FUND",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tmcu/SELFMANAGED_SUPER_FUND.json",
      "product_url": "https://www.transportmutual.com.au/banking/term-deposits/smsf-accounts/",
      "bank_last_updated": "2026-05-12T09:32:57.000+10:00"
     }
    ],
    "36": [
     {
      "rank": 1,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 2,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 36 months",
      "product_label": "Term Deposit 36 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 3000000.0,
      "deposit_min": 500.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/a75b54b7-3278-4fba-95d9-9cc143471b8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/a75b54b7-3278-4fba-95d9-9cc143471b8d.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=285",
      "bank_last_updated": "2026-09-21T22:00:24.424Z"
     },
     {
      "rank": 3,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 4,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 5,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.046,
      "rate_pct": 4.6,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 47,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     }
    ],
    "48": [
     {
      "rank": 1,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.055,
      "rate_pct": 5.5,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 2,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 3,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 4,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 59,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     }
    ],
    "60": [
     {
      "rank": 1,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "SMSF Term Deposits",
      "product_label": "SMSF Term Deposit",
      "segment": "smsf",
      "segments": [
       "smsf"
      ],
      "rate": 0.055,
      "rate_pct": 5.5,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "An online SMSF Term Deposit is only available to one corporate trustee of an SMSF or two to four individual trustees."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d3smsf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d3smsf.json",
      "product_url": "https://www.judo.bank/term-deposits-smsf",
      "bank_last_updated": "2026-09-15T23:59:29.407613Z"
     },
     {
      "rank": 2,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 3,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 4,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     }
    ]
   }
  },
  "business": {
   "10000": {
    "1": [
     {
      "rank": 1,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "School 30-90 Day Flexible Term Deposit",
      "product_label": "School 30-90 Day Flexible Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": 30,
      "term_days_max": 90,
      "term_raw": "P90D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available to school accounts that hold a membership"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/a2ec048e-58ec-47e2-ac0e-b34d18abd8af",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/a2ec048e-58ec-47e2-ac0e-b34d18abd8af.json",
      "product_url": "https://www.bankfirst.com.au/bank-accounts/school-accounts/30-90-day-school-term-deposit",
      "bank_last_updated": "2026-09-16T23:03:55.479534Z"
     },
     {
      "rank": 2,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 3,
      "brand": "Tyro Payments",
      "brand_label": "Tyro",
      "brand_slug": "tyro-payments",
      "product_name": "30 Day Business Term Deposit",
      "product_label": "30 Day Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": 30,
      "term_days_min": 30,
      "term_days_max": 30,
      "term_raw": "P30D",
      "min_balance": 1000.0,
      "max_balance": 100000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 100000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be a Tyro EFTPOS/eCommerce with an active Tyro Bank Account to open a Tyro Business Term Deposit."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.tyro.com/cds-au/v1/banking/products/a072f9d4-082b-4d23-8ddc-d9db7d88d417",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tyro-payments/a072f9d4-082b-4d23-8ddc-d9db7d88d417.json",
      "product_url": "https://www.tyro.com/term-deposit-terms",
      "bank_last_updated": "2026-02-15T00:23:55.933962Z"
     },
     {
      "rank": 4,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Broker Term Deposit - Business",
      "product_label": "Broker Term Deposit - Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0255,
      "rate_pct": 2.55,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": 31,
      "term_days_min": 31,
      "term_days_max": 31,
      "term_raw": "P31D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 2000000.0,
      "deposit_min": 10000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This account is available via Australian Money Market.",
       "available via broker or intermediary",
       "Minimum deposit for new customer is $10K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD04.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD04.1.json",
      "product_url": "https://www.heartlandbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-30T03:58:22Z"
     },
     {
      "rank": 5,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0225,
      "rate_pct": 2.25,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.0,
      "deposit_min": 10000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 6,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit  1 mth",
      "product_label": "Business Term Deposit 1 Mth",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/243",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/243.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-05-20T00:00:00.000+10:00"
     },
     {
      "rank": 7,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 8,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 9,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 10,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0195,
      "rate_pct": 1.95,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": 31,
      "term_days_max": 60,
      "term_raw": "P60D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 11,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.015,
      "rate_pct": 1.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 12,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.015,
      "rate_pct": 1.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 13,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0145,
      "rate_pct": 1.45,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 14,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.014,
      "rate_pct": 1.4,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 15,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.014,
      "rate_pct": 1.4,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 16,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.014,
      "rate_pct": 1.4,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": 30,
      "term_days_min": 30,
      "term_days_max": 30,
      "term_raw": "P30D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 17,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.014,
      "rate_pct": 1.4,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 18,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0115,
      "rate_pct": 1.15,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 19,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0075,
      "rate_pct": 0.75,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": 28,
      "term_days_max": 31,
      "term_raw": "P31D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 19999.0,
      "deposit_min": 5000.0,
      "deposit_max": 19999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 20,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0075,
      "rate_pct": 0.75,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": 28,
      "term_days_max": 58,
      "term_raw": "P28D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 21,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.005,
      "rate_pct": 0.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     }
    ],
    "2": [
     {
      "rank": 1,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.0,
      "deposit_min": 10000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 2,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "School 30-90 Day Flexible Term Deposit",
      "product_label": "School 30-90 Day Flexible Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": 30,
      "term_days_max": 90,
      "term_raw": "P90D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available to school accounts that hold a membership"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/a2ec048e-58ec-47e2-ac0e-b34d18abd8af",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/a2ec048e-58ec-47e2-ac0e-b34d18abd8af.json",
      "product_url": "https://www.bankfirst.com.au/bank-accounts/school-accounts/30-90-day-school-term-deposit",
      "bank_last_updated": "2026-09-16T23:03:55.479534Z"
     },
     {
      "rank": 3,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": 61,
      "term_days_max": 92,
      "term_raw": "P92D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 4,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0445,
      "rate_pct": 4.45,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 5,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 6,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.023,
      "rate_pct": 2.3,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 7,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 2 mths",
      "product_label": "Business Term Deposit 2 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available on request"
      ],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/244",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/244.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-05-20T00:00:00.000+10:00"
     },
     {
      "rank": 8,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 9,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 10,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0175,
      "rate_pct": 1.75,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 11,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0175,
      "rate_pct": 1.75,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 12,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.017,
      "rate_pct": 1.7,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 13,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0165,
      "rate_pct": 1.65,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 14,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0165,
      "rate_pct": 1.65,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 15,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0165,
      "rate_pct": 1.65,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": 60,
      "term_days_min": 60,
      "term_days_max": 60,
      "term_raw": "P60D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 16,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0165,
      "rate_pct": 1.65,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 17,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0115,
      "rate_pct": 1.15,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 18,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.01,
      "rate_pct": 1.0,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": 32,
      "term_days_max": 62,
      "term_raw": "P62D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 19999.0,
      "deposit_min": 5000.0,
      "deposit_max": 19999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 19,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.008,
      "rate_pct": 0.8,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": 59,
      "term_days_max": 88,
      "term_raw": "P59D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 20,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.005,
      "rate_pct": 0.5,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     }
    ],
    "3": [
     {
      "rank": 1,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 3 Months",
      "product_label": "Package TD 3 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/24",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/24.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-10-01T00:00:32.1421029Z"
     },
     {
      "rank": 2,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 3 months",
      "product_label": "Term Deposit 3 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Personal, Joint, Self Managed Super Fund (SMSF), Business & Trust."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/b7a085bb-a6cc-46a8-a052-ed6f42b1d58b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/b7a085bb-a6cc-46a8-a052-ed6f42b1d58b.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=203",
      "bank_last_updated": "2026-09-21T22:00:25.125Z"
     },
     {
      "rank": 3,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": 90,
      "term_days_min": 90,
      "term_days_max": 90,
      "term_raw": "P90D",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 4,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 5,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 6,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.0,
      "deposit_min": 10000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 7,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 8,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": 63,
      "term_days_max": 93,
      "term_raw": "P93D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 19999.0,
      "deposit_min": 5000.0,
      "deposit_max": 19999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 9,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 10,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     },
     {
      "rank": 11,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 12,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Broker Term Deposit - Business",
      "product_label": "Broker Term Deposit - Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 2000000.0,
      "deposit_min": 10000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This account is available via Australian Money Market.",
       "available via broker or intermediary",
       "Minimum deposit for new customer is $10K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD04.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD04.1.json",
      "product_url": "https://www.heartlandbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-30T03:58:22Z"
     },
     {
      "rank": 13,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 14,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": 61,
      "term_days_max": 92,
      "term_raw": "P92D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 15,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": 89,
      "term_days_max": 119,
      "term_raw": "P89D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 16,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "3 MTH FIXED TERM BUS",
      "product_label": "3 Mth Fixed Term Bus",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/3MTH_BUSINESS_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/3MTH_BUSINESS_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-04T12:31:40.000+10:00"
     },
     {
      "rank": 17,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "Limited Offer 3 months",
      "product_label": "Limited Offer 3 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I2_1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I2_1.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:45:48.000+10:00"
     },
     {
      "rank": 18,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 3 mths",
      "product_label": "Business Term Deposit 3 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0435,
      "rate_pct": 4.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/245",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/245.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 19,
      "brand": "The Capricornian",
      "brand_label": "The Capricornian",
      "brand_slug": "the-capricornian",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": 250000.0,
      "tier_min": 5000.0,
      "tier_max": 250000.0,
      "deposit_min": 5000.0,
      "deposit_max": 250000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to individuals, companies and trust for personal or business use.",
       "Is currently, or wishes to become, a shareholding member of The Capricornian Ltd."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/4ecba156-6b32-420b-8946-3f32b7a0504f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-capricornian/4ecba156-6b32-420b-8946-3f32b7a0504f.json",
      "product_url": "https://www.capricornian.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-10-02T02:31:03.752887Z"
     },
     {
      "rank": 20,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 21,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 3 Mth Capitalise",
      "product_label": "INV - 3 Mth Capitalise",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 2000.0,
      "tier_max": 49999.99,
      "deposit_min": 2000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/12",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/12.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-04-07T12:00:30.9645062Z"
     },
     {
      "rank": 22,
      "brand": "Hume Bank",
      "brand_label": "Hume Bank",
      "brand_slug": "hume-bank",
      "product_name": "Term Deposit Online 3M (Interest at Maturity)",
      "product_label": "Term Deposit Online 3M (Interest at Maturity)",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "personal eligibility inferred: the bank's feed tags every term deposit business-only"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/3M_Online",
      "source_snapshot": "/au/finance/term-deposits/v1/source/hume-bank/3M_Online.json",
      "product_url": "https://www.humebank.com.au/savings/term-deposits/",
      "bank_last_updated": "2026-09-17T20:46:56.000+10:00"
     },
     {
      "rank": 23,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 24,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Business Investment Account",
      "product_label": "Business Investment Account",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 1.0,
      "tier_max": 1999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an eligible transaction account in the same business name",
       "In the case of domestic businesses (e.g. a sole trader, company, etc.) have an ABN and/or ACN as applicable",
       "In the case of foreign companies that carry on business in Australia, be registered with ASIC. The eligibility of other foreign companies will be subject to re…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/5669534e63ea45d0b9c0b58ead071748",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/5669534e63ea45d0b9c0b58ead071748.json",
      "product_url": "https://www.commbank.com.au/business/investments/business-investment-account.html",
      "bank_last_updated": "2026-10-02T16:00:57.000Z"
     },
     {
      "rank": 25,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": 90,
      "term_days_min": 90,
      "term_days_max": 90,
      "term_raw": "P90D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 26,
      "brand": "SWSbank",
      "brand_label": "SWS Bank",
      "brand_slug": "swsbank",
      "product_name": "3 Month Term Deposit",
      "product_label": "3 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/I3_TD_3Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/swsbank/I3_TD_3Months.json",
      "product_url": "https://swscu.apply-online.com.au/#/3e8f1c2b-4724-4a65-b5d0-2d7eaf64b99b",
      "bank_last_updated": "2026-05-11T16:49:14.000+10:00"
     },
     {
      "rank": 27,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 28,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 29,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 30,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 31,
      "brand": "Fire Service Credit Union",
      "brand_label": "Fire Service Credit Union",
      "brand_slug": "fire-service-credit-union",
      "product_name": "I3 FTD 3 Months",
      "product_label": "I3 FTD 3 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0305,
      "rate_pct": 3.05,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 24999.0,
      "deposit_min": 5000.0,
      "deposit_max": 24999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/12",
      "source_snapshot": "/au/finance/term-deposits/v1/source/fire-service-credit-union/12.json",
      "product_url": "https://www.fscu.com.au/accounts/term-deposits/",
      "bank_last_updated": "2026-05-20T04:00:33.3305724Z"
     }
    ],
    "4": [
     {
      "rank": 1,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": 93,
      "term_days_max": 122,
      "term_raw": "P122D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 2,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "School 120-180 Day Flexible Term Deposit",
      "product_label": "School 120-180 Day Flexible Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 120,
      "term_days_max": 180,
      "term_raw": "P180D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available to school accounts that hold a membership"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/d85414a0-2d36-43f6-9c81-fac4c92c8b87",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/d85414a0-2d36-43f6-9c81-fac4c92c8b87.json",
      "product_url": "https://www.bankfirst.com.au/bank-accounts/school-accounts/120-180-day-school-term-deposit",
      "bank_last_updated": "2026-09-16T23:03:42.967734Z"
     },
     {
      "rank": 3,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 4 mths",
      "product_label": "Business Term Deposit 4 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/246",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/246.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-05-20T00:00:00.000+10:00"
     },
     {
      "rank": 4,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": 120,
      "term_days_min": 120,
      "term_days_max": 120,
      "term_raw": "P120D",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 5,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 6,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 7,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": 94,
      "term_days_max": 124,
      "term_raw": "P124D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 19999.0,
      "deposit_min": 5000.0,
      "deposit_max": 19999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 8,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 9,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     },
     {
      "rank": 10,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": 120,
      "term_days_max": 149,
      "term_raw": "P120D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 11,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 12,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 13,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.039,
      "rate_pct": 3.9,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 14,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.0,
      "deposit_min": 10000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 15,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 16,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 17,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Business Investment Account",
      "product_label": "Business Investment Account",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0345,
      "rate_pct": 3.45,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 1.0,
      "tier_max": 1999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an eligible transaction account in the same business name",
       "In the case of domestic businesses (e.g. a sole trader, company, etc.) have an ABN and/or ACN as applicable",
       "In the case of foreign companies that carry on business in Australia, be registered with ASIC. The eligibility of other foreign companies will be subject to re…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/5669534e63ea45d0b9c0b58ead071748",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/5669534e63ea45d0b9c0b58ead071748.json",
      "product_url": "https://www.commbank.com.au/business/investments/business-investment-account.html",
      "bank_last_updated": "2026-10-02T16:00:57.000Z"
     },
     {
      "rank": 18,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 19,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 20,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 21,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 22,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "3-5 months <$25K",
      "product_label": "3-5 Months <$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.026,
      "rate_pct": 2.6,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 24999.99,
      "deposit_min": 1000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_1.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 23,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 4 Months",
      "product_label": "Package TD 4 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.008,
      "rate_pct": 0.8,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/25",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/25.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "5": [
     {
      "rank": 1,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "School 120-180 Day Flexible Term Deposit",
      "product_label": "School 120-180 Day Flexible Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 120,
      "term_days_max": 180,
      "term_raw": "P180D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available to school accounts that hold a membership"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/d85414a0-2d36-43f6-9c81-fac4c92c8b87",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/d85414a0-2d36-43f6-9c81-fac4c92c8b87.json",
      "product_url": "https://www.bankfirst.com.au/bank-accounts/school-accounts/120-180-day-school-term-deposit",
      "bank_last_updated": "2026-09-16T23:03:42.967734Z"
     },
     {
      "rank": 2,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 3,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.0,
      "deposit_min": 10000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 4,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 125,
      "term_days_max": 155,
      "term_raw": "P155D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 19999.0,
      "deposit_min": 5000.0,
      "deposit_max": 19999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 5,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 6,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 123,
      "term_days_max": 153,
      "term_raw": "P153D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 7,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     },
     {
      "rank": 8,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 9,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 5 mths",
      "product_label": "Business Term Deposit 5 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/247",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/247.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 10,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 11,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.039,
      "rate_pct": 3.9,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 12,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 13,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Business Investment Account",
      "product_label": "Business Investment Account",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 1.0,
      "tier_max": 1999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an eligible transaction account in the same business name",
       "In the case of domestic businesses (e.g. a sole trader, company, etc.) have an ABN and/or ACN as applicable",
       "In the case of foreign companies that carry on business in Australia, be registered with ASIC. The eligibility of other foreign companies will be subject to re…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/5669534e63ea45d0b9c0b58ead071748",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/5669534e63ea45d0b9c0b58ead071748.json",
      "product_url": "https://www.commbank.com.au/business/investments/business-investment-account.html",
      "bank_last_updated": "2026-10-02T16:00:57.000Z"
     },
     {
      "rank": 14,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0345,
      "rate_pct": 3.45,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 15,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0345,
      "rate_pct": 3.45,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 16,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0345,
      "rate_pct": 3.45,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 17,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 18,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 19,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "3-5 months <$25K",
      "product_label": "3-5 Months <$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.026,
      "rate_pct": 2.6,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 24999.99,
      "deposit_min": 1000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_1.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 20,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0125,
      "rate_pct": 1.25,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 150,
      "term_days_max": 180,
      "term_raw": "P150D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 21,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 5 Months",
      "product_label": "Package TD 5 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.008,
      "rate_pct": 0.8,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/26",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/26.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "6": [
     {
      "rank": 1,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 6 Months",
      "product_label": "Package TD 6 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/27",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/27.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-09-09T02:00:32.1081640Z"
     },
     {
      "rank": 2,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 3,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Impact Term Deposit 6 months",
      "product_label": "Impact Term Deposit 6 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/ad7a95c3-cdf1-4869-9d1e-6cc956b3ed75",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/ad7a95c3-cdf1-4869-9d1e-6cc956b3ed75.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=217",
      "bank_last_updated": "2026-08-31T22:00:26.705Z"
     },
     {
      "rank": 4,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Broker Term Deposit - Business",
      "product_label": "Broker Term Deposit - Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 2000000.0,
      "deposit_min": 10000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This account is available via Australian Money Market.",
       "available via broker or intermediary",
       "Minimum deposit for new customer is $10K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD04.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD04.1.json",
      "product_url": "https://www.heartlandbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-30T03:58:22Z"
     },
     {
      "rank": 5,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 6,
      "brand": "Hume Bank",
      "brand_label": "Hume Bank",
      "brand_slug": "hume-bank",
      "product_name": "Term Deposit Online 6M (Interest at Maturity)",
      "product_label": "Term Deposit Online 6M (Interest at Maturity)",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "personal eligibility inferred: the bank's feed tags every term deposit business-only"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/6M_Online",
      "source_snapshot": "/au/finance/term-deposits/v1/source/hume-bank/6M_Online.json",
      "product_url": "https://www.humebank.com.au/savings/term-deposits/",
      "bank_last_updated": "2026-09-17T20:46:56.000+10:00"
     },
     {
      "rank": 7,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 8,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": 154,
      "term_days_max": 183,
      "term_raw": "P183D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 9,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 10,
      "brand": "AMP Bank GO",
      "brand_label": "AMP Bank GO",
      "brand_slug": "amp-bank-go",
      "product_name": "AMP Bank GO 6 Month Business Term Deposit",
      "product_label": "6 Month Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Customers must have an active AMP Bank GO Everyday Business Account in order to open an AMP Bank GO Business Term Deposit: Linked Business Transaction Account"
      ],
      "stacked_bonus": null,
      "source_url": "https://pub.cdr-sme.amp.com.au/api/cds-au/v1/banking/products/5c93b340-7fee-4b00-b737-8503192abab5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/amp-bank-go/5c93b340-7fee-4b00-b737-8503192abab5.json",
      "product_url": "https://www.amp.com.au/business-banking/small-business-everyday-money",
      "bank_last_updated": "2026-09-28T00:31:48.890Z"
     },
     {
      "rank": 11,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.0,
      "deposit_min": 10000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 12,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": 180,
      "term_days_min": 180,
      "term_days_max": 180,
      "term_raw": "P180D",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 13,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 14,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": 156,
      "term_days_max": 186,
      "term_raw": "P186D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 19999.0,
      "deposit_min": 5000.0,
      "deposit_max": 19999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 15,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": 181,
      "term_days_max": 211,
      "term_raw": "P181D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 16,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     },
     {
      "rank": 17,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 18,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "Limited Offer 6 months",
      "product_label": "Limited Offer 6 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I2_6",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I2_6.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:45:48.000+10:00"
     },
     {
      "rank": 19,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…",
       "online only",
       "SMSF only",
       "Special Rate for online origination for SMSF customers. Available on balances from $5,000 to $5,000,000. Offer available for a limited time only. Please visit……"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 20,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 21,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "6 Month Fixed Term Business Term Deposit",
      "product_label": "6 Month Fixed Term Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/6MTH_BUSINESS_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/6MTH_BUSINESS_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-11T13:50:32.000+10:00"
     },
     {
      "rank": 22,
      "brand": "The Capricornian",
      "brand_label": "The Capricornian",
      "brand_slug": "the-capricornian",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": 250000.0,
      "tier_min": 5000.0,
      "tier_max": 250000.0,
      "deposit_min": 5000.0,
      "deposit_max": 250000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to individuals, companies and trust for personal or business use.",
       "Is currently, or wishes to become, a shareholding member of The Capricornian Ltd."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/4ecba156-6b32-420b-8946-3f32b7a0504f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-capricornian/4ecba156-6b32-420b-8946-3f32b7a0504f.json",
      "product_url": "https://www.capricornian.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-10-02T02:31:03.752887Z"
     },
     {
      "rank": 23,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 6 mths",
      "product_label": "Business Term Deposit 6 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/248",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/248.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 24,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 6 Mth Capitalise",
      "product_label": "INV - 6 Mth Capitalise",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0445,
      "rate_pct": 4.45,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 2000.0,
      "tier_max": 49999.99,
      "deposit_min": 2000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/15",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/15.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-09-03T12:00:31.9528987Z"
     },
     {
      "rank": 25,
      "brand": "Fire Service Credit Union",
      "brand_label": "Fire Service Credit Union",
      "brand_slug": "fire-service-credit-union",
      "product_name": "I5 FTD 6 Months",
      "product_label": "I5 FTD 6 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 24999.0,
      "deposit_min": 5000.0,
      "deposit_max": 24999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/13",
      "source_snapshot": "/au/finance/term-deposits/v1/source/fire-service-credit-union/13.json",
      "product_url": "https://www.fscu.com.au/accounts/term-deposits/",
      "bank_last_updated": "2026-05-20T04:00:33.3305724Z"
     },
     {
      "rank": 26,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 27,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 28,
      "brand": "SWSbank",
      "brand_label": "SWS Bank",
      "brand_slug": "swsbank",
      "product_name": "6 Month Term Deposit",
      "product_label": "6 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/I2_TD_6Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/swsbank/I2_TD_6Months.json",
      "product_url": "https://swscu.apply-online.com.au/#/3e8f1c2b-4724-4a65-b5d0-2d7eaf64b99b",
      "bank_last_updated": "2026-05-11T16:51:44.000+10:00"
     },
     {
      "rank": 29,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 30,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 31,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 32,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     }
    ],
    "7": [
     {
      "rank": 1,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 2,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 3,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": 210,
      "term_days_min": 210,
      "term_days_max": 210,
      "term_raw": "P210D",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 4,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": 187,
      "term_days_max": 217,
      "term_raw": "P217D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 19999.0,
      "deposit_min": 5000.0,
      "deposit_max": 19999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 5,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     },
     {
      "rank": 6,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 7,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": 212,
      "term_days_max": 241,
      "term_raw": "P212D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 8,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 9,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "6 Month Fixed Term Business Term Deposit",
      "product_label": "6 Month Fixed Term Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/6MTH_BUSINESS_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/6MTH_BUSINESS_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-11T13:50:32.000+10:00"
     },
     {
      "rank": 10,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.0,
      "deposit_min": 10000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 11,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": 184,
      "term_days_max": 213,
      "term_raw": "P213D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 12,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 13,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Business Investment Account",
      "product_label": "Business Investment Account",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 1.0,
      "tier_max": 1999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an eligible transaction account in the same business name",
       "In the case of domestic businesses (e.g. a sole trader, company, etc.) have an ABN and/or ACN as applicable",
       "In the case of foreign companies that carry on business in Australia, be registered with ASIC. The eligibility of other foreign companies will be subject to re…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/5669534e63ea45d0b9c0b58ead071748",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/5669534e63ea45d0b9c0b58ead071748.json",
      "product_url": "https://www.commbank.com.au/business/investments/business-investment-account.html",
      "bank_last_updated": "2026-10-02T16:00:57.000Z"
     },
     {
      "rank": 14,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 15,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 16,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 17,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 18,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 19,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "6-11 months <$25K",
      "product_label": "6-11 Months <$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 24999.99,
      "deposit_min": 1000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_3.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 20,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 7 Months",
      "product_label": "Package TD 7 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.013,
      "rate_pct": 1.3,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/28",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/28.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "8": [
     {
      "rank": 1,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 2,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 3,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": 218,
      "term_days_max": 248,
      "term_raw": "P248D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 19999.0,
      "deposit_min": 5000.0,
      "deposit_max": 19999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 4,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     },
     {
      "rank": 5,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 6,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "6 Month Fixed Term Business Term Deposit",
      "product_label": "6 Month Fixed Term Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/6MTH_BUSINESS_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/6MTH_BUSINESS_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-11T13:50:32.000+10:00"
     },
     {
      "rank": 7,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.0,
      "deposit_min": 10000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 8,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": 242,
      "term_days_max": 272,
      "term_raw": "P242D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 9,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": 214,
      "term_days_max": 244,
      "term_raw": "P244D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 10,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 11,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 12,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 13,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Business Investment Account",
      "product_label": "Business Investment Account",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 1.0,
      "tier_max": 1999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an eligible transaction account in the same business name",
       "In the case of domestic businesses (e.g. a sole trader, company, etc.) have an ABN and/or ACN as applicable",
       "In the case of foreign companies that carry on business in Australia, be registered with ASIC. The eligibility of other foreign companies will be subject to re…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/5669534e63ea45d0b9c0b58ead071748",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/5669534e63ea45d0b9c0b58ead071748.json",
      "product_url": "https://www.commbank.com.au/business/investments/business-investment-account.html",
      "bank_last_updated": "2026-10-02T16:00:57.000Z"
     },
     {
      "rank": 14,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 15,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 16,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 17,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 18,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "6-11 months <$25K",
      "product_label": "6-11 Months <$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 24999.99,
      "deposit_min": 1000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_3.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 19,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 8 Months",
      "product_label": "Package TD 8 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0105,
      "rate_pct": 1.05,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/29",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/29.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "9": [
     {
      "rank": 1,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 9 Months",
      "product_label": "Package TD 9 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/30",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/30.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-09-03T02:00:33.2086394Z"
     },
     {
      "rank": 2,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 3,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Broker Term Deposit - Business",
      "product_label": "Broker Term Deposit - Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 2000000.0,
      "deposit_min": 10000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This account is available via Australian Money Market.",
       "available via broker or intermediary",
       "Minimum deposit for new customer is $10K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD04.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD04.1.json",
      "product_url": "https://www.heartlandbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-30T03:58:22Z"
     },
     {
      "rank": 4,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 9 months",
      "product_label": "Term Deposit 9 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/4b265f3c-7abc-4587-a86a-91601b228ddf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/4b265f3c-7abc-4587-a86a-91601b228ddf.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=209",
      "bank_last_updated": "2026-09-21T22:00:22.842Z"
     },
     {
      "rank": 5,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 9 Mth Capitalise",
      "product_label": "INV - 9 Mth Capitalise",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 2000.0,
      "tier_max": 49999.99,
      "deposit_min": 2000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/16",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/16.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-09-28T12:00:30.9399881Z"
     },
     {
      "rank": 6,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 7,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 8,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": 270,
      "term_days_min": 270,
      "term_days_max": 270,
      "term_raw": "P270D",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 9,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 10,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": 249,
      "term_days_max": 279,
      "term_raw": "P279D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 19999.0,
      "deposit_min": 5000.0,
      "deposit_max": 19999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 11,
      "brand": "Hume Bank",
      "brand_label": "Hume Bank",
      "brand_slug": "hume-bank",
      "product_name": "Term Deposit Online 9M (Interest at Maturity)",
      "product_label": "Term Deposit Online 9M (Interest at Maturity)",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "personal eligibility inferred: the bank's feed tags every term deposit business-only"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/9M_Online",
      "source_snapshot": "/au/finance/term-deposits/v1/source/hume-bank/9M_Online.json",
      "product_url": "https://www.humebank.com.au/savings/term-deposits/",
      "bank_last_updated": "2026-09-17T20:46:56.000+10:00"
     },
     {
      "rank": 12,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     },
     {
      "rank": 13,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 14,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 15,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": 273,
      "term_days_max": 302,
      "term_raw": "P273D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 16,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 17,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "6 Month Fixed Term Business Term Deposit",
      "product_label": "6 Month Fixed Term Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/6MTH_BUSINESS_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/6MTH_BUSINESS_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-11T13:50:32.000+10:00"
     },
     {
      "rank": 18,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 9 mths",
      "product_label": "Business Term Deposit 9 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/249",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/249.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 19,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.0,
      "deposit_min": 10000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 20,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Business Investment Account",
      "product_label": "Business Investment Account",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 1.0,
      "tier_max": 1999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an eligible transaction account in the same business name",
       "In the case of domestic businesses (e.g. a sole trader, company, etc.) have an ABN and/or ACN as applicable",
       "In the case of foreign companies that carry on business in Australia, be registered with ASIC. The eligibility of other foreign companies will be subject to re…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/5669534e63ea45d0b9c0b58ead071748",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/5669534e63ea45d0b9c0b58ead071748.json",
      "product_url": "https://www.commbank.com.au/business/investments/business-investment-account.html",
      "bank_last_updated": "2026-10-02T16:00:57.000Z"
     },
     {
      "rank": 21,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": 245,
      "term_days_max": 274,
      "term_raw": "P274D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 22,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 23,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 24,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 25,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 26,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 27,
      "brand": "SWSbank",
      "brand_label": "SWS Bank",
      "brand_slug": "swsbank",
      "product_name": "9 Month Term Deposit",
      "product_label": "9 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/I3_TD_9Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/swsbank/I3_TD_9Months.json",
      "product_url": "https://swscu.apply-online.com.au/#/3e8f1c2b-4724-4a65-b5d0-2d7eaf64b99b",
      "bank_last_updated": "2026-05-11T16:53:22.000+10:00"
     },
     {
      "rank": 28,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 29,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "6-11 months <$25K",
      "product_label": "6-11 Months <$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 24999.99,
      "deposit_min": 1000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_3.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     }
    ],
    "10": [
     {
      "rank": 1,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 2,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": 280,
      "term_days_max": 310,
      "term_raw": "P310D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 19999.0,
      "deposit_min": 5000.0,
      "deposit_max": 19999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 3,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     },
     {
      "rank": 4,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 5,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 6,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "6 Month Fixed Term Business Term Deposit",
      "product_label": "6 Month Fixed Term Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/6MTH_BUSINESS_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/6MTH_BUSINESS_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-11T13:50:32.000+10:00"
     },
     {
      "rank": 7,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.0,
      "deposit_min": 10000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 8,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Business Investment Account",
      "product_label": "Business Investment Account",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 1.0,
      "tier_max": 1999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an eligible transaction account in the same business name",
       "In the case of domestic businesses (e.g. a sole trader, company, etc.) have an ABN and/or ACN as applicable",
       "In the case of foreign companies that carry on business in Australia, be registered with ASIC. The eligibility of other foreign companies will be subject to re…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/5669534e63ea45d0b9c0b58ead071748",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/5669534e63ea45d0b9c0b58ead071748.json",
      "product_url": "https://www.commbank.com.au/business/investments/business-investment-account.html",
      "bank_last_updated": "2026-10-02T16:00:57.000Z"
     },
     {
      "rank": 9,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": 275,
      "term_days_max": 305,
      "term_raw": "P305D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 10,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 11,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 12,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 13,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 14,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 15,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 16,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 17,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "6-11 months <$25K",
      "product_label": "6-11 Months <$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 24999.99,
      "deposit_min": 1000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_3.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 18,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0175,
      "rate_pct": 1.75,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": 303,
      "term_days_max": 333,
      "term_raw": "P303D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 19,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 10 Months",
      "product_label": "Package TD 10 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.012,
      "rate_pct": 1.2,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/31",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/31.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "11": [
     {
      "rank": 1,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 311,
      "term_days_max": 341,
      "term_raw": "P341D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 19999.0,
      "deposit_min": 5000.0,
      "deposit_max": 19999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 2,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     },
     {
      "rank": 3,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 4,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 5,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": 330,
      "term_days_min": 330,
      "term_days_max": 330,
      "term_raw": "P330D",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 6,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 7,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "6 Month Fixed Term Business Term Deposit",
      "product_label": "6 Month Fixed Term Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/6MTH_BUSINESS_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/6MTH_BUSINESS_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-11T13:50:32.000+10:00"
     },
     {
      "rank": 8,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.0,
      "deposit_min": 10000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 9,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 10,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Business Investment Account",
      "product_label": "Business Investment Account",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 1.0,
      "tier_max": 1999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an eligible transaction account in the same business name",
       "In the case of domestic businesses (e.g. a sole trader, company, etc.) have an ABN and/or ACN as applicable",
       "In the case of foreign companies that carry on business in Australia, be registered with ASIC. The eligibility of other foreign companies will be subject to re…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/5669534e63ea45d0b9c0b58ead071748",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/5669534e63ea45d0b9c0b58ead071748.json",
      "product_url": "https://www.commbank.com.au/business/investments/business-investment-account.html",
      "bank_last_updated": "2026-10-02T16:00:57.000Z"
     },
     {
      "rank": 11,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 306,
      "term_days_max": 335,
      "term_raw": "P335D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 12,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 13,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 14,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 15,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 16,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 17,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 18,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "6-11 months <$25K",
      "product_label": "6-11 Months <$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 24999.99,
      "deposit_min": 1000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_3.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 19,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0175,
      "rate_pct": 1.75,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 334,
      "term_days_max": 364,
      "term_raw": "P334D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 20,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 11 Months",
      "product_label": "Package TD 11 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.012,
      "rate_pct": 1.2,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/32",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/32.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "12": [
     {
      "rank": 1,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 12 Months",
      "product_label": "Package TD 12 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.056,
      "rate_pct": 5.6,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/33",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/33.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-10-01T00:00:32.1421029Z"
     },
     {
      "rank": 2,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0555,
      "rate_pct": 5.55,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 3,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Broker Term Deposit - Business",
      "product_label": "Broker Term Deposit - Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0555,
      "rate_pct": 5.55,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 2000000.0,
      "deposit_min": 10000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This account is available via Australian Money Market.",
       "available via broker or intermediary",
       "Minimum deposit for new customer is $10K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD04.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD04.1.json",
      "product_url": "https://www.heartlandbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-30T03:58:22Z"
     },
     {
      "rank": 4,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 12 months",
      "product_label": "Term Deposit 12 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.055,
      "rate_pct": 5.5,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/644d03e6-be3c-4d25-a6d3-31f3467b5dd9",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/644d03e6-be3c-4d25-a6d3-31f3467b5dd9.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=212",
      "bank_last_updated": "2026-09-14T22:00:23.894Z"
     },
     {
      "rank": 5,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "Preschool Long Service Leave 1 Year Term Deposit",
      "product_label": "Preschool Long Service Leave 1 Year Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.055,
      "rate_pct": 5.5,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": 365,
      "term_days_min": 365,
      "term_days_max": 365,
      "term_raw": "P365D",
      "min_balance": null,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": null,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available to school accounts that hold a membership",
       "loyalty bonus on rollover"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/01b75f79-4873-4db3-9773-d79095a3426d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/01b75f79-4873-4db3-9773-d79095a3426d.json",
      "product_url": "https://www.bankfirst.com.au/bank-accounts/preschool-accounts/save/long-service-and-sick-leave-term-deposit",
      "bank_last_updated": "2026-09-16T23:03:49.305641Z"
     },
     {
      "rank": 6,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 7,
      "brand": "AMP Bank GO",
      "brand_label": "AMP Bank GO",
      "brand_slug": "amp-bank-go",
      "product_name": "AMP Bank GO 12 Month Business Term Deposit",
      "product_label": "12 Month Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Customers must have an active AMP Bank GO Everyday Business Account in order to open an AMP Bank GO Business Term Deposit: Linked Business Transaction Account"
      ],
      "stacked_bonus": null,
      "source_url": "https://pub.cdr-sme.amp.com.au/api/cds-au/v1/banking/products/5c92f5a9-c90c-4dc1-a4ea-1d164146f575",
      "source_snapshot": "/au/finance/term-deposits/v1/source/amp-bank-go/5c92f5a9-c90c-4dc1-a4ea-1d164146f575.json",
      "product_url": "https://www.amp.com.au/business-banking/small-business-everyday-money",
      "bank_last_updated": "2026-09-28T00:25:45.934Z"
     },
     {
      "rank": 8,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 9,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 10,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only.",
       "linked account required",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 11,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only.",
       "linked account required",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 12,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…",
       "Special rate for personal or SMSF customers only. Available on balances from $5,000 to $5,000,000 with interest paid annually."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 13,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": 336,
      "term_days_max": 365,
      "term_raw": "P365D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 14,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 15,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 16,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only.",
       "linked account required",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 17,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online only",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 18,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": 342,
      "term_days_max": 370,
      "term_raw": "P370D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 19999.0,
      "deposit_min": 5000.0,
      "deposit_max": 19999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 19,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 20,
      "brand": "Hume Bank",
      "brand_label": "Hume Bank",
      "brand_slug": "hume-bank",
      "product_name": "Term Deposit 12M (Interest at Maturity)",
      "product_label": "Term Deposit 12M (Interest at Maturity)",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "personal eligibility inferred: the bank's feed tags every term deposit business-only"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/I1_12M",
      "source_snapshot": "/au/finance/term-deposits/v1/source/hume-bank/I1_12M.json",
      "product_url": "https://www.humebank.com.au/savings/term-deposits/",
      "bank_last_updated": "2026-09-17T20:48:05.000+10:00"
     },
     {
      "rank": 21,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     },
     {
      "rank": 22,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": 365,
      "term_days_max": 729,
      "term_raw": "P365D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 23,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 12 mths",
      "product_label": "Business Term Deposit 12 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/250",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/250.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 24,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 25,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 26,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "Limited Offer 12 months",
      "product_label": "Limited Offer 12 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I2_12",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I2_12.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:45:48.000+10:00"
     },
     {
      "rank": 27,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "12 MTH FIXED TERM BUSINESS",
      "product_label": "12 Mth Fixed Term Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/12MTH_BUSINESS_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/12MTH_BUSINESS_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-07-01T10:31:25.000+10:00"
     },
     {
      "rank": 28,
      "brand": "The Capricornian",
      "brand_label": "The Capricornian",
      "brand_slug": "the-capricornian",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": 250000.0,
      "tier_min": 5000.0,
      "tier_max": 250000.0,
      "deposit_min": 5000.0,
      "deposit_max": 250000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to individuals, companies and trust for personal or business use.",
       "Is currently, or wishes to become, a shareholding member of The Capricornian Ltd."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/4ecba156-6b32-420b-8946-3f32b7a0504f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-capricornian/4ecba156-6b32-420b-8946-3f32b7a0504f.json",
      "product_url": "https://www.capricornian.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-10-02T02:31:03.752887Z"
     },
     {
      "rank": 29,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 30,
      "brand": "SWSbank",
      "brand_label": "SWS Bank",
      "brand_slug": "swsbank",
      "product_name": "12 Month Term Deposit",
      "product_label": "12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/I4_TD_12Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/swsbank/I4_TD_12Months.json",
      "product_url": "https://swscu.apply-online.com.au/#/3e8f1c2b-4724-4a65-b5d0-2d7eaf64b99b",
      "bank_last_updated": "2026-05-11T16:55:24.000+10:00"
     },
     {
      "rank": 31,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 12 Mth Capitalise",
      "product_label": "INV - 12 Mth Capitalise",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 2000.0,
      "tier_max": 49999.99,
      "deposit_min": 2000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/17",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/17.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-09-28T12:00:30.9399881Z"
     },
     {
      "rank": 32,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.0,
      "deposit_min": 10000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 33,
      "brand": "Fire Service Credit Union",
      "brand_label": "Fire Service Credit Union",
      "brand_slug": "fire-service-credit-union",
      "product_name": "I12 FTD 12 Months",
      "product_label": "I12 FTD 12 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 24999.0,
      "deposit_min": 5000.0,
      "deposit_max": 24999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/15",
      "source_snapshot": "/au/finance/term-deposits/v1/source/fire-service-credit-union/15.json",
      "product_url": "https://www.fscu.com.au/accounts/term-deposits/",
      "bank_last_updated": "2026-05-20T04:00:33.3305724Z"
     }
    ],
    "18": [
     {
      "rank": 1,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": 365,
      "term_days_max": 729,
      "term_raw": "P365D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 2,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 3,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "Limited Offer 18 months",
      "product_label": "Limited Offer 18 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I2_18",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I2_18.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:45:48.000+10:00"
     },
     {
      "rank": 4,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y6M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 5,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 6,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Business Investment Account",
      "product_label": "Business Investment Account",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 1.0,
      "tier_max": 1999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an eligible transaction account in the same business name",
       "In the case of domestic businesses (e.g. a sole trader, company, etc.) have an ABN and/or ACN as applicable",
       "In the case of foreign companies that carry on business in Australia, be registered with ASIC. The eligibility of other foreign companies will be subject to re…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/5669534e63ea45d0b9c0b58ead071748",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/5669534e63ea45d0b9c0b58ead071748.json",
      "product_url": "https://www.commbank.com.au/business/investments/business-investment-account.html",
      "bank_last_updated": "2026-10-02T16:00:57.000Z"
     },
     {
      "rank": 7,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 8,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 13,
      "term_min_months": 13,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P23M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 9,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "half_yearly",
      "term_months": 13,
      "term_min_months": 13,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P13M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 10,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "half_yearly",
      "term_months": 13,
      "term_min_months": 13,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P13M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 11,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "half_yearly",
      "term_months": 13,
      "term_min_months": 13,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P13M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 12,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.039,
      "rate_pct": 3.9,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": 518,
      "term_days_max": 549,
      "term_raw": "P549D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 19999.0,
      "deposit_min": 5000.0,
      "deposit_max": 19999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 13,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 18 months",
      "product_label": "Term Deposit 18 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/3d455cd8-7fed-4849-a85a-dee559f127e6",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/3d455cd8-7fed-4849-a85a-dee559f127e6.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=213",
      "bank_last_updated": "2026-06-24T05:52:03.943Z"
     },
     {
      "rank": 14,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 15,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.0,
      "deposit_min": 10000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 16,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Online Term Deposit (Business)",
      "product_label": "Online Term Deposit (Business)",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "half_yearly",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 100000.0,
      "deposit_min": 1000.0,
      "deposit_max": 100000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "New customers are required to open and maintain a High Interest Savings Account (HISA) which is a variable rate at-call savings account which does not charge f…",
       "The business must be an active non-financial entity.",
       "The business must have an Australian bank account in its name with another financial institution.",
       "loyalty bonus on rollover"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/32a7317d-b86e-4510-af9b-d67260de9507",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/32a7317d-b86e-4510-af9b-d67260de9507.json",
      "product_url": "https://myapplication.rabobank.com.au/apply?CONT=AU&PID=TERMDEP",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 17,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 18 Months",
      "product_label": "Package TD 18 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0075,
      "rate_pct": 0.75,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/35",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/35.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "24": [
     {
      "rank": 1,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 2,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 24 months",
      "product_label": "Term Deposit 24 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/f69c781b-9809-4a83-bca8-310bd16461a9",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/f69c781b-9809-4a83-bca8-310bd16461a9.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=214",
      "bank_last_updated": "2026-09-21T22:00:26.182Z"
     },
     {
      "rank": 3,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 4,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 5,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit  24 mths",
      "product_label": "Business Term Deposit 24 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/228",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/228.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 6,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 7,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Broker Term Deposit - Business",
      "product_label": "Broker Term Deposit - Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 2000000.0,
      "deposit_min": 10000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This account is available via Australian Money Market.",
       "available via broker or intermediary",
       "Minimum deposit for new customer is $10K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD04.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD04.1.json",
      "product_url": "https://www.heartlandbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-30T03:58:22Z"
     },
     {
      "rank": 8,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 9,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 19,
      "term_min_months": 19,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": 550,
      "term_days_max": 730,
      "term_raw": "P730D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 19999.0,
      "deposit_min": 5000.0,
      "deposit_max": 19999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 10,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     },
     {
      "rank": 11,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 33,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 12,
      "brand": "Hume Bank",
      "brand_label": "Hume Bank",
      "brand_slug": "hume-bank",
      "product_name": "Term Deposit Online 24M (Paid annually or at Maturity)",
      "product_label": "Term Deposit Online 24M (Paid Annually or at Maturity)",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "personal eligibility inferred: the bank's feed tags every term deposit business-only"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/24M_Online",
      "source_snapshot": "/au/finance/term-deposits/v1/source/hume-bank/24M_Online.json",
      "product_url": "https://www.humebank.com.au/savings/term-deposits/",
      "bank_last_updated": "2026-09-17T20:46:56.000+10:00"
     },
     {
      "rank": 13,
      "brand": "The Capricornian",
      "brand_label": "The Capricornian",
      "brand_slug": "the-capricornian",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": 250000.0,
      "tier_min": 5000.0,
      "tier_max": 250000.0,
      "deposit_min": 5000.0,
      "deposit_max": 250000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to individuals, companies and trust for personal or business use.",
       "Is currently, or wishes to become, a shareholding member of The Capricornian Ltd."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/4ecba156-6b32-420b-8946-3f32b7a0504f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-capricornian/4ecba156-6b32-420b-8946-3f32b7a0504f.json",
      "product_url": "https://www.capricornian.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-10-02T02:31:03.752887Z"
     },
     {
      "rank": 14,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 15,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 16,
      "brand": "SWSbank",
      "brand_label": "SWS Bank",
      "brand_slug": "swsbank",
      "product_name": "24 Month Term Deposit",
      "product_label": "24 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.0,
      "deposit_min": 10000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/I6_TD_24Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/swsbank/I6_TD_24Months.json",
      "product_url": "https://swscu.apply-online.com.au/#/3e8f1c2b-4724-4a65-b5d0-2d7eaf64b99b",
      "bank_last_updated": "2026-06-10T16:59:42.000+10:00"
     },
     {
      "rank": 17,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 18,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 19,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.046,
      "rate_pct": 4.6,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P35M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 20,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "24 Month Business Fixed Term Deposit",
      "product_label": "24 Month Business Fixed Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0455,
      "rate_pct": 4.55,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/24MTH_BUSINESS_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/24MTH_BUSINESS_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-04T12:33:33.000+10:00"
     },
     {
      "rank": 21,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 22,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 23,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 24,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 24 Mth Trf 12 Mthly",
      "product_label": "INV - 24 Mth Trf 12 Mthly",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0435,
      "rate_pct": 4.35,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 2000.0,
      "tier_max": 49999.99,
      "deposit_min": 2000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/23",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/23.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-03-23T12:00:30.9673694Z"
     },
     {
      "rank": 25,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.0,
      "deposit_min": 10000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 26,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "18-24 months <$25K",
      "product_label": "18-24 Months <$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 24999.99,
      "deposit_min": 1000.0,
      "deposit_max": 24999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_7",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_7.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 27,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 28,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 29,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 24 Months",
      "product_label": "Package TD 24 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.017,
      "rate_pct": 1.7,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/37",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/37.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "36": [
     {
      "rank": 1,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 2,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 36 months",
      "product_label": "Term Deposit 36 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 3000000.0,
      "deposit_min": 500.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/a75b54b7-3278-4fba-95d9-9cc143471b8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/a75b54b7-3278-4fba-95d9-9cc143471b8d.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=285",
      "bank_last_updated": "2026-09-21T22:00:24.424Z"
     },
     {
      "rank": 3,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 4,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 5,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 6,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Broker Term Deposit - Business",
      "product_label": "Broker Term Deposit - Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 2000000.0,
      "deposit_min": 10000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This account is available via Australian Money Market.",
       "available via broker or intermediary",
       "Minimum deposit for new customer is $10K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD04.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD04.1.json",
      "product_url": "https://www.heartlandbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-30T03:58:22Z"
     },
     {
      "rank": 7,
      "brand": "Hume Bank",
      "brand_label": "Hume Bank",
      "brand_slug": "hume-bank",
      "product_name": "Term Deposit Online 36M (Paid Annually or at Maturity)",
      "product_label": "Term Deposit Online 36M (Paid Annually or at Maturity)",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "personal eligibility inferred: the bank's feed tags every term deposit business-only"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/36M_Online",
      "source_snapshot": "/au/finance/term-deposits/v1/source/hume-bank/36M_Online.json",
      "product_url": "https://www.humebank.com.au/savings/term-deposits/",
      "bank_last_updated": "2026-09-17T20:46:56.000+10:00"
     },
     {
      "rank": 8,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0455,
      "rate_pct": 4.55,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 47,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 9,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 10,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 11,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "12 MONTHLY INT TERM DEP",
      "product_label": "12 Monthly Int Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0425,
      "rate_pct": 4.25,
      "interest_paid": "annually",
      "term_months": 35,
      "term_min_months": 35,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": 1065,
      "term_days_max": 1095,
      "term_raw": "P1095D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 19999.0,
      "deposit_min": 5000.0,
      "deposit_max": 19999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d25ba6e3-fbda-4c0a-8a10-c81241b8e013",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d25ba6e3-fbda-4c0a-8a10-c81241b8e013.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-05-07T08:56:35.000+10:00"
     },
     {
      "rank": 12,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0425,
      "rate_pct": 4.25,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     },
     {
      "rank": 13,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 47,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P47M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 14,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 47,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 15,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 47,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 16,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 47,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 17,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 18,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 36 Mth Trf 12 Mthly",
      "product_label": "INV - 36 Mth Trf 12 Mthly",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 2000.0,
      "tier_max": 49999.99,
      "deposit_min": 2000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/25",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/25.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-03-23T12:00:30.9673694Z"
     },
     {
      "rank": 19,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.0,
      "deposit_min": 10000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 20,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 47,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 21,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 22,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 36 Months",
      "product_label": "Package TD 36 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.017,
      "rate_pct": 1.7,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/38",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/38.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "48": [
     {
      "rank": 1,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.055,
      "rate_pct": 5.5,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 2,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 3,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 4,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 5,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Broker Term Deposit - Business",
      "product_label": "Broker Term Deposit - Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 2000000.0,
      "deposit_min": 10000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This account is available via Australian Money Market.",
       "available via broker or intermediary",
       "Minimum deposit for new customer is $10K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD04.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD04.1.json",
      "product_url": "https://www.heartlandbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-30T03:58:22Z"
     },
     {
      "rank": 6,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 59,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P59M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 7,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 59,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 8,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 59,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 9,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 59,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 10,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 59,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 11,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 12,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 48-60 Mth Trf 12 Mthly",
      "product_label": "INV - 48-60 Mth Trf 12 Mthly",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 2000.0,
      "tier_max": 49999.99,
      "deposit_min": 2000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/13",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/13.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-03-23T12:00:30.9673694Z"
     },
     {
      "rank": 13,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.0,
      "deposit_min": 10000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 14,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 37,
      "term_min_months": 37,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": 1096,
      "term_days_max": 1460,
      "term_raw": "P1460D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 19999.0,
      "deposit_min": 5000.0,
      "deposit_max": 19999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 15,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.031,
      "rate_pct": 3.1,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 16,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 59,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 17,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 18,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 48 Months",
      "product_label": "Package TD 48 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0075,
      "rate_pct": 0.75,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/39",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/39.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "60": [
     {
      "rank": 1,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.055,
      "rate_pct": 5.5,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 2,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 3,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 49999.99,
      "deposit_min": 5000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 4,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Broker Term Deposit - Business",
      "product_label": "Broker Term Deposit - Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 2000000.0,
      "deposit_min": 10000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This account is available via Australian Money Market.",
       "available via broker or intermediary",
       "Minimum deposit for new customer is $10K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD04.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD04.1.json",
      "product_url": "https://www.heartlandbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-30T03:58:22Z"
     },
     {
      "rank": 5,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 6,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 7,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 8,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 9,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 10,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.99,
      "deposit_min": 10000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 11,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 12,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 48-60 Mth Trf 12 Mthly",
      "product_label": "INV - 48-60 Mth Trf 12 Mthly",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 2000.0,
      "tier_max": 49999.99,
      "deposit_min": 2000.0,
      "deposit_max": 49999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/13",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/13.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-03-23T12:00:30.9673694Z"
     },
     {
      "rank": 13,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 50,
      "term_min_months": 50,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": 1491,
      "term_days_max": 1829,
      "term_raw": "P1829D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 4999.01,
      "tier_max": 19999.0,
      "deposit_min": 5000.0,
      "deposit_max": 19999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 14,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.032,
      "rate_pct": 3.2,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 49999.0,
      "deposit_min": 10000.0,
      "deposit_max": 49999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 15,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.031,
      "rate_pct": 3.1,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 16,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 17,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 60 Months",
      "product_label": "Package TD 60 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0075,
      "rate_pct": 0.75,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/40",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/40.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ]
   },
   "50000": {
    "1": [
     {
      "rank": 1,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "School 30-90 Day Flexible Term Deposit",
      "product_label": "School 30-90 Day Flexible Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": 30,
      "term_days_max": 90,
      "term_raw": "P90D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available to school accounts that hold a membership"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/a2ec048e-58ec-47e2-ac0e-b34d18abd8af",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/a2ec048e-58ec-47e2-ac0e-b34d18abd8af.json",
      "product_url": "https://www.bankfirst.com.au/bank-accounts/school-accounts/30-90-day-school-term-deposit",
      "bank_last_updated": "2026-09-16T23:03:55.479534Z"
     },
     {
      "rank": 2,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 3,
      "brand": "Tyro Payments",
      "brand_label": "Tyro",
      "brand_slug": "tyro-payments",
      "product_name": "30 Day Business Term Deposit",
      "product_label": "30 Day Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": 30,
      "term_days_min": 30,
      "term_days_max": 30,
      "term_raw": "P30D",
      "min_balance": 1000.0,
      "max_balance": 100000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 100000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be a Tyro EFTPOS/eCommerce with an active Tyro Bank Account to open a Tyro Business Term Deposit."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.tyro.com/cds-au/v1/banking/products/a072f9d4-082b-4d23-8ddc-d9db7d88d417",
      "source_snapshot": "/au/finance/term-deposits/v1/source/tyro-payments/a072f9d4-082b-4d23-8ddc-d9db7d88d417.json",
      "product_url": "https://www.tyro.com/term-deposit-terms",
      "bank_last_updated": "2026-02-15T00:23:55.933962Z"
     },
     {
      "rank": 4,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Broker Term Deposit - Business",
      "product_label": "Broker Term Deposit - Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0255,
      "rate_pct": 2.55,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": 31,
      "term_days_min": 31,
      "term_days_max": 31,
      "term_raw": "P31D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 2000000.0,
      "deposit_min": 10000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This account is available via Australian Money Market.",
       "available via broker or intermediary",
       "Minimum deposit for new customer is $10K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD04.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD04.1.json",
      "product_url": "https://www.heartlandbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-30T03:58:22Z"
     },
     {
      "rank": 5,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0225,
      "rate_pct": 2.25,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.0,
      "deposit_min": 50000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 6,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit  1 mth",
      "product_label": "Business Term Deposit 1 Mth",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/243",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/243.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-05-20T00:00:00.000+10:00"
     },
     {
      "rank": 7,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 8,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 9,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 10,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0195,
      "rate_pct": 1.95,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": 31,
      "term_days_max": 60,
      "term_raw": "P60D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 11,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.015,
      "rate_pct": 1.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 12,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.015,
      "rate_pct": 1.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 13,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.015,
      "rate_pct": 1.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 14,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.014,
      "rate_pct": 1.4,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 15,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.014,
      "rate_pct": 1.4,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 16,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.014,
      "rate_pct": 1.4,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": 30,
      "term_days_min": 30,
      "term_days_max": 30,
      "term_raw": "P30D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 17,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.014,
      "rate_pct": 1.4,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 18,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0115,
      "rate_pct": 1.15,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 19,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0075,
      "rate_pct": 0.75,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": 28,
      "term_days_max": 31,
      "term_raw": "P31D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 11000000.0,
      "deposit_min": 49999.01,
      "deposit_max": 11000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 20,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0075,
      "rate_pct": 0.75,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": 28,
      "term_days_max": 58,
      "term_raw": "P28D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 21,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.005,
      "rate_pct": 0.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     }
    ],
    "2": [
     {
      "rank": 1,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.0,
      "deposit_min": 50000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 2,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "School 30-90 Day Flexible Term Deposit",
      "product_label": "School 30-90 Day Flexible Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": 30,
      "term_days_max": 90,
      "term_raw": "P90D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available to school accounts that hold a membership"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/a2ec048e-58ec-47e2-ac0e-b34d18abd8af",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/a2ec048e-58ec-47e2-ac0e-b34d18abd8af.json",
      "product_url": "https://www.bankfirst.com.au/bank-accounts/school-accounts/30-90-day-school-term-deposit",
      "bank_last_updated": "2026-09-16T23:03:55.479534Z"
     },
     {
      "rank": 3,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": 61,
      "term_days_max": 92,
      "term_raw": "P92D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 4,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0445,
      "rate_pct": 4.45,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 5,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 6,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.023,
      "rate_pct": 2.3,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 7,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 2 mths",
      "product_label": "Business Term Deposit 2 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available on request"
      ],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/244",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/244.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-05-20T00:00:00.000+10:00"
     },
     {
      "rank": 8,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 9,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 10,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0175,
      "rate_pct": 1.75,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 11,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0175,
      "rate_pct": 1.75,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 12,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0175,
      "rate_pct": 1.75,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 13,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0165,
      "rate_pct": 1.65,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 14,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0165,
      "rate_pct": 1.65,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 15,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0165,
      "rate_pct": 1.65,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": 60,
      "term_days_min": 60,
      "term_days_max": 60,
      "term_raw": "P60D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 16,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0165,
      "rate_pct": 1.65,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 17,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0115,
      "rate_pct": 1.15,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 18,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.01,
      "rate_pct": 1.0,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": 32,
      "term_days_max": 62,
      "term_raw": "P62D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 9999999.0,
      "deposit_min": 49999.01,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 19,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.008,
      "rate_pct": 0.8,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": 59,
      "term_days_max": 88,
      "term_raw": "P59D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 20,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.005,
      "rate_pct": 0.5,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     }
    ],
    "3": [
     {
      "rank": 1,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 3 Months",
      "product_label": "Package TD 3 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/24",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/24.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-10-01T00:00:32.1421029Z"
     },
     {
      "rank": 2,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 3 months",
      "product_label": "Term Deposit 3 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Personal, Joint, Self Managed Super Fund (SMSF), Business & Trust."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/b7a085bb-a6cc-46a8-a052-ed6f42b1d58b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/b7a085bb-a6cc-46a8-a052-ed6f42b1d58b.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=203",
      "bank_last_updated": "2026-09-21T22:00:25.125Z"
     },
     {
      "rank": 3,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": 90,
      "term_days_min": 90,
      "term_days_max": 90,
      "term_raw": "P90D",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 4,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 5,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 6,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.0,
      "deposit_min": 50000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 7,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 8,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": 63,
      "term_days_max": 93,
      "term_raw": "P93D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 9999999.0,
      "deposit_min": 49999.01,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 9,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 10,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     },
     {
      "rank": 11,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 12,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Broker Term Deposit - Business",
      "product_label": "Broker Term Deposit - Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 2000000.0,
      "deposit_min": 10000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This account is available via Australian Money Market.",
       "available via broker or intermediary",
       "Minimum deposit for new customer is $10K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD04.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD04.1.json",
      "product_url": "https://www.heartlandbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-30T03:58:22Z"
     },
     {
      "rank": 13,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 14,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": 61,
      "term_days_max": 92,
      "term_raw": "P92D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 15,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": 89,
      "term_days_max": 119,
      "term_raw": "P89D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 16,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "3 MTH FIXED TERM BUS",
      "product_label": "3 Mth Fixed Term Bus",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/3MTH_BUSINESS_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/3MTH_BUSINESS_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-04T12:31:40.000+10:00"
     },
     {
      "rank": 17,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "Limited Offer 3 months",
      "product_label": "Limited Offer 3 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I2_1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I2_1.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:45:48.000+10:00"
     },
     {
      "rank": 18,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 3 mths",
      "product_label": "Business Term Deposit 3 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0435,
      "rate_pct": 4.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/245",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/245.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 19,
      "brand": "Fire Service Credit Union",
      "brand_label": "Fire Service Credit Union",
      "brand_slug": "fire-service-credit-union",
      "product_name": "I3 FTD 3 Months",
      "product_label": "I3 FTD 3 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0435,
      "rate_pct": 4.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/12",
      "source_snapshot": "/au/finance/term-deposits/v1/source/fire-service-credit-union/12.json",
      "product_url": "https://www.fscu.com.au/accounts/term-deposits/",
      "bank_last_updated": "2026-05-20T04:00:33.3305724Z"
     },
     {
      "rank": 20,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 3 Mth Capitalise",
      "product_label": "INV - 3 Mth Capitalise",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 50000.0,
      "tier_max": 199999.99,
      "deposit_min": 50000.0,
      "deposit_max": 199999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/12",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/12.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-04-07T12:00:30.9645062Z"
     },
     {
      "rank": 21,
      "brand": "The Capricornian",
      "brand_label": "The Capricornian",
      "brand_slug": "the-capricornian",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": 250000.0,
      "tier_min": 5000.0,
      "tier_max": 250000.0,
      "deposit_min": 5000.0,
      "deposit_max": 250000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to individuals, companies and trust for personal or business use.",
       "Is currently, or wishes to become, a shareholding member of The Capricornian Ltd."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/4ecba156-6b32-420b-8946-3f32b7a0504f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-capricornian/4ecba156-6b32-420b-8946-3f32b7a0504f.json",
      "product_url": "https://www.capricornian.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-10-02T02:31:03.752887Z"
     },
     {
      "rank": 22,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 23,
      "brand": "Hume Bank",
      "brand_label": "Hume Bank",
      "brand_slug": "hume-bank",
      "product_name": "Term Deposit Online 3M (Interest at Maturity)",
      "product_label": "Term Deposit Online 3M (Interest at Maturity)",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "personal eligibility inferred: the bank's feed tags every term deposit business-only"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/3M_Online",
      "source_snapshot": "/au/finance/term-deposits/v1/source/hume-bank/3M_Online.json",
      "product_url": "https://www.humebank.com.au/savings/term-deposits/",
      "bank_last_updated": "2026-09-17T20:46:56.000+10:00"
     },
     {
      "rank": 24,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 25,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Business Investment Account",
      "product_label": "Business Investment Account",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 1.0,
      "tier_max": 1999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an eligible transaction account in the same business name",
       "In the case of domestic businesses (e.g. a sole trader, company, etc.) have an ABN and/or ACN as applicable",
       "In the case of foreign companies that carry on business in Australia, be registered with ASIC. The eligibility of other foreign companies will be subject to re…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/5669534e63ea45d0b9c0b58ead071748",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/5669534e63ea45d0b9c0b58ead071748.json",
      "product_url": "https://www.commbank.com.au/business/investments/business-investment-account.html",
      "bank_last_updated": "2026-10-02T16:00:57.000Z"
     },
     {
      "rank": 26,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": 90,
      "term_days_min": 90,
      "term_days_max": 90,
      "term_raw": "P90D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 27,
      "brand": "SWSbank",
      "brand_label": "SWS Bank",
      "brand_slug": "swsbank",
      "product_name": "3 Month Term Deposit",
      "product_label": "3 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 9999999.0,
      "deposit_min": 50000.0,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/I3_TD_3Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/swsbank/I3_TD_3Months.json",
      "product_url": "https://swscu.apply-online.com.au/#/3e8f1c2b-4724-4a65-b5d0-2d7eaf64b99b",
      "bank_last_updated": "2026-05-11T16:49:14.000+10:00"
     },
     {
      "rank": 28,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 29,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 30,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 31,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     }
    ],
    "4": [
     {
      "rank": 1,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": 93,
      "term_days_max": 122,
      "term_raw": "P122D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 2,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "School 120-180 Day Flexible Term Deposit",
      "product_label": "School 120-180 Day Flexible Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 120,
      "term_days_max": 180,
      "term_raw": "P180D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available to school accounts that hold a membership"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/d85414a0-2d36-43f6-9c81-fac4c92c8b87",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/d85414a0-2d36-43f6-9c81-fac4c92c8b87.json",
      "product_url": "https://www.bankfirst.com.au/bank-accounts/school-accounts/120-180-day-school-term-deposit",
      "bank_last_updated": "2026-09-16T23:03:42.967734Z"
     },
     {
      "rank": 3,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 4 mths",
      "product_label": "Business Term Deposit 4 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/246",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/246.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-05-20T00:00:00.000+10:00"
     },
     {
      "rank": 4,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": 120,
      "term_days_min": 120,
      "term_days_max": 120,
      "term_raw": "P120D",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 5,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 6,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 7,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": 94,
      "term_days_max": 124,
      "term_raw": "P124D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 9999999.0,
      "deposit_min": 49999.01,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 8,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 9,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     },
     {
      "rank": 10,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": 120,
      "term_days_max": 149,
      "term_raw": "P120D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 11,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 12,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 13,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.039,
      "rate_pct": 3.9,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 14,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.0,
      "deposit_min": 50000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 15,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 16,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 17,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Business Investment Account",
      "product_label": "Business Investment Account",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0345,
      "rate_pct": 3.45,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 1.0,
      "tier_max": 1999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an eligible transaction account in the same business name",
       "In the case of domestic businesses (e.g. a sole trader, company, etc.) have an ABN and/or ACN as applicable",
       "In the case of foreign companies that carry on business in Australia, be registered with ASIC. The eligibility of other foreign companies will be subject to re…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/5669534e63ea45d0b9c0b58ead071748",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/5669534e63ea45d0b9c0b58ead071748.json",
      "product_url": "https://www.commbank.com.au/business/investments/business-investment-account.html",
      "bank_last_updated": "2026-10-02T16:00:57.000Z"
     },
     {
      "rank": 18,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 19,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 20,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 21,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 22,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "3-5 months >$25K",
      "product_label": "3-5 Months >$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.027,
      "rate_pct": 2.7,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 25000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_2",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_2.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 23,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 4 Months",
      "product_label": "Package TD 4 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.008,
      "rate_pct": 0.8,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/25",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/25.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "5": [
     {
      "rank": 1,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "School 120-180 Day Flexible Term Deposit",
      "product_label": "School 120-180 Day Flexible Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 120,
      "term_days_max": 180,
      "term_raw": "P180D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available to school accounts that hold a membership"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/d85414a0-2d36-43f6-9c81-fac4c92c8b87",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/d85414a0-2d36-43f6-9c81-fac4c92c8b87.json",
      "product_url": "https://www.bankfirst.com.au/bank-accounts/school-accounts/120-180-day-school-term-deposit",
      "bank_last_updated": "2026-09-16T23:03:42.967734Z"
     },
     {
      "rank": 2,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 3,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.0,
      "deposit_min": 50000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 4,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 125,
      "term_days_max": 155,
      "term_raw": "P155D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 9999999.0,
      "deposit_min": 49999.01,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 5,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 6,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 123,
      "term_days_max": 153,
      "term_raw": "P153D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 7,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     },
     {
      "rank": 8,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 9,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 5 mths",
      "product_label": "Business Term Deposit 5 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/247",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/247.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 10,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 11,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.039,
      "rate_pct": 3.9,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 12,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 13,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Business Investment Account",
      "product_label": "Business Investment Account",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 1.0,
      "tier_max": 1999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an eligible transaction account in the same business name",
       "In the case of domestic businesses (e.g. a sole trader, company, etc.) have an ABN and/or ACN as applicable",
       "In the case of foreign companies that carry on business in Australia, be registered with ASIC. The eligibility of other foreign companies will be subject to re…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/5669534e63ea45d0b9c0b58ead071748",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/5669534e63ea45d0b9c0b58ead071748.json",
      "product_url": "https://www.commbank.com.au/business/investments/business-investment-account.html",
      "bank_last_updated": "2026-10-02T16:00:57.000Z"
     },
     {
      "rank": 14,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0345,
      "rate_pct": 3.45,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 15,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0345,
      "rate_pct": 3.45,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 16,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0345,
      "rate_pct": 3.45,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 17,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 18,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 19,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "3-5 months >$25K",
      "product_label": "3-5 Months >$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.027,
      "rate_pct": 2.7,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 25000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_2",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_2.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 20,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0125,
      "rate_pct": 1.25,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 150,
      "term_days_max": 180,
      "term_raw": "P150D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 21,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 5 Months",
      "product_label": "Package TD 5 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.008,
      "rate_pct": 0.8,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/26",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/26.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "6": [
     {
      "rank": 1,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 6 Months",
      "product_label": "Package TD 6 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/27",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/27.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-09-09T02:00:32.1081640Z"
     },
     {
      "rank": 2,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 3,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Impact Term Deposit 6 months",
      "product_label": "Impact Term Deposit 6 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/ad7a95c3-cdf1-4869-9d1e-6cc956b3ed75",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/ad7a95c3-cdf1-4869-9d1e-6cc956b3ed75.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=217",
      "bank_last_updated": "2026-08-31T22:00:26.705Z"
     },
     {
      "rank": 4,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Broker Term Deposit - Business",
      "product_label": "Broker Term Deposit - Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 2000000.0,
      "deposit_min": 10000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This account is available via Australian Money Market.",
       "available via broker or intermediary",
       "Minimum deposit for new customer is $10K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD04.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD04.1.json",
      "product_url": "https://www.heartlandbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-30T03:58:22Z"
     },
     {
      "rank": 5,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 6,
      "brand": "Hume Bank",
      "brand_label": "Hume Bank",
      "brand_slug": "hume-bank",
      "product_name": "Term Deposit Online 6M (Interest at Maturity)",
      "product_label": "Term Deposit Online 6M (Interest at Maturity)",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "personal eligibility inferred: the bank's feed tags every term deposit business-only"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/6M_Online",
      "source_snapshot": "/au/finance/term-deposits/v1/source/hume-bank/6M_Online.json",
      "product_url": "https://www.humebank.com.au/savings/term-deposits/",
      "bank_last_updated": "2026-09-17T20:46:56.000+10:00"
     },
     {
      "rank": 7,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 8,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": 154,
      "term_days_max": 183,
      "term_raw": "P183D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 9,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 10,
      "brand": "AMP Bank GO",
      "brand_label": "AMP Bank GO",
      "brand_slug": "amp-bank-go",
      "product_name": "AMP Bank GO 6 Month Business Term Deposit",
      "product_label": "6 Month Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Customers must have an active AMP Bank GO Everyday Business Account in order to open an AMP Bank GO Business Term Deposit: Linked Business Transaction Account"
      ],
      "stacked_bonus": null,
      "source_url": "https://pub.cdr-sme.amp.com.au/api/cds-au/v1/banking/products/5c93b340-7fee-4b00-b737-8503192abab5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/amp-bank-go/5c93b340-7fee-4b00-b737-8503192abab5.json",
      "product_url": "https://www.amp.com.au/business-banking/small-business-everyday-money",
      "bank_last_updated": "2026-09-28T00:31:48.890Z"
     },
     {
      "rank": 11,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.0,
      "deposit_min": 50000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 12,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": 180,
      "term_days_min": 180,
      "term_days_max": 180,
      "term_raw": "P180D",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 13,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 14,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": 156,
      "term_days_max": 186,
      "term_raw": "P186D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 9999999.0,
      "deposit_min": 49999.01,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 15,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": 181,
      "term_days_max": 211,
      "term_raw": "P181D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 16,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…",
       "online only",
       "SMSF only",
       "Special Rate for online origination for SMSF customers. Available on balances from $5,000 to $5,000,000. Offer available for a limited time only. Please visit……"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 17,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     },
     {
      "rank": 18,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 19,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "Limited Offer 6 months",
      "product_label": "Limited Offer 6 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I2_6",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I2_6.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:45:48.000+10:00"
     },
     {
      "rank": 20,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 21,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "6 Month Fixed Term Business Term Deposit",
      "product_label": "6 Month Fixed Term Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/6MTH_BUSINESS_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/6MTH_BUSINESS_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-11T13:50:32.000+10:00"
     },
     {
      "rank": 22,
      "brand": "The Capricornian",
      "brand_label": "The Capricornian",
      "brand_slug": "the-capricornian",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": 250000.0,
      "tier_min": 5000.0,
      "tier_max": 250000.0,
      "deposit_min": 5000.0,
      "deposit_max": 250000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to individuals, companies and trust for personal or business use.",
       "Is currently, or wishes to become, a shareholding member of The Capricornian Ltd."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/4ecba156-6b32-420b-8946-3f32b7a0504f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-capricornian/4ecba156-6b32-420b-8946-3f32b7a0504f.json",
      "product_url": "https://www.capricornian.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-10-02T02:31:03.752887Z"
     },
     {
      "rank": 23,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 6 mths",
      "product_label": "Business Term Deposit 6 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/248",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/248.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 24,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 6 Mth Capitalise",
      "product_label": "INV - 6 Mth Capitalise",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 50000.0,
      "tier_max": 199999.99,
      "deposit_min": 50000.0,
      "deposit_max": 199999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/15",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/15.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-09-03T12:00:31.9528987Z"
     },
     {
      "rank": 25,
      "brand": "Fire Service Credit Union",
      "brand_label": "Fire Service Credit Union",
      "brand_slug": "fire-service-credit-union",
      "product_name": "I5 FTD 6 Months",
      "product_label": "I5 FTD 6 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0425,
      "rate_pct": 4.25,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/13",
      "source_snapshot": "/au/finance/term-deposits/v1/source/fire-service-credit-union/13.json",
      "product_url": "https://www.fscu.com.au/accounts/term-deposits/",
      "bank_last_updated": "2026-05-20T04:00:33.3305724Z"
     },
     {
      "rank": 26,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 27,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 28,
      "brand": "SWSbank",
      "brand_label": "SWS Bank",
      "brand_slug": "swsbank",
      "product_name": "6 Month Term Deposit",
      "product_label": "6 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 9999999.0,
      "deposit_min": 50000.0,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/I2_TD_6Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/swsbank/I2_TD_6Months.json",
      "product_url": "https://swscu.apply-online.com.au/#/3e8f1c2b-4724-4a65-b5d0-2d7eaf64b99b",
      "bank_last_updated": "2026-05-11T16:51:44.000+10:00"
     },
     {
      "rank": 29,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 30,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 31,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 32,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     }
    ],
    "7": [
     {
      "rank": 1,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 2,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 3,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": 210,
      "term_days_min": 210,
      "term_days_max": 210,
      "term_raw": "P210D",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 4,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": 187,
      "term_days_max": 217,
      "term_raw": "P217D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 9999999.0,
      "deposit_min": 49999.01,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 5,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     },
     {
      "rank": 6,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 7,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": 212,
      "term_days_max": 241,
      "term_raw": "P212D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 8,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 9,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "6 Month Fixed Term Business Term Deposit",
      "product_label": "6 Month Fixed Term Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/6MTH_BUSINESS_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/6MTH_BUSINESS_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-11T13:50:32.000+10:00"
     },
     {
      "rank": 10,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.0,
      "deposit_min": 50000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 11,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": 184,
      "term_days_max": 213,
      "term_raw": "P213D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 12,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 13,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 14,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 15,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 16,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 17,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 18,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 19,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "6-11 months >$25K",
      "product_label": "6-11 Months >$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.031,
      "rate_pct": 3.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 25000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_4.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 20,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 7 Months",
      "product_label": "Package TD 7 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.013,
      "rate_pct": 1.3,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/28",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/28.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "8": [
     {
      "rank": 1,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 2,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 3,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": 218,
      "term_days_max": 248,
      "term_raw": "P248D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 9999999.0,
      "deposit_min": 49999.01,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 4,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     },
     {
      "rank": 5,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 6,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "6 Month Fixed Term Business Term Deposit",
      "product_label": "6 Month Fixed Term Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/6MTH_BUSINESS_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/6MTH_BUSINESS_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-11T13:50:32.000+10:00"
     },
     {
      "rank": 7,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.0,
      "deposit_min": 50000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 8,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": 242,
      "term_days_max": 272,
      "term_raw": "P242D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 9,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": 214,
      "term_days_max": 244,
      "term_raw": "P244D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 10,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 11,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 12,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 13,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 14,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 15,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 16,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 17,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 18,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "6-11 months >$25K",
      "product_label": "6-11 Months >$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.031,
      "rate_pct": 3.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 25000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_4.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 19,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 8 Months",
      "product_label": "Package TD 8 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0105,
      "rate_pct": 1.05,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/29",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/29.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "9": [
     {
      "rank": 1,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 9 Months",
      "product_label": "Package TD 9 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/30",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/30.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-09-03T02:00:33.2086394Z"
     },
     {
      "rank": 2,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 3,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Broker Term Deposit - Business",
      "product_label": "Broker Term Deposit - Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 2000000.0,
      "deposit_min": 10000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This account is available via Australian Money Market.",
       "available via broker or intermediary",
       "Minimum deposit for new customer is $10K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD04.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD04.1.json",
      "product_url": "https://www.heartlandbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-30T03:58:22Z"
     },
     {
      "rank": 4,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 9 months",
      "product_label": "Term Deposit 9 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/4b265f3c-7abc-4587-a86a-91601b228ddf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/4b265f3c-7abc-4587-a86a-91601b228ddf.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=209",
      "bank_last_updated": "2026-09-21T22:00:22.842Z"
     },
     {
      "rank": 5,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 9 Mth Capitalise",
      "product_label": "INV - 9 Mth Capitalise",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 50000.0,
      "tier_max": 199999.99,
      "deposit_min": 50000.0,
      "deposit_max": 199999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/16",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/16.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-09-28T12:00:30.9399881Z"
     },
     {
      "rank": 6,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 7,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 8,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": 270,
      "term_days_min": 270,
      "term_days_max": 270,
      "term_raw": "P270D",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 9,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 10,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": 249,
      "term_days_max": 279,
      "term_raw": "P279D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 9999999.0,
      "deposit_min": 49999.01,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 11,
      "brand": "Hume Bank",
      "brand_label": "Hume Bank",
      "brand_slug": "hume-bank",
      "product_name": "Term Deposit Online 9M (Interest at Maturity)",
      "product_label": "Term Deposit Online 9M (Interest at Maturity)",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "personal eligibility inferred: the bank's feed tags every term deposit business-only"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/9M_Online",
      "source_snapshot": "/au/finance/term-deposits/v1/source/hume-bank/9M_Online.json",
      "product_url": "https://www.humebank.com.au/savings/term-deposits/",
      "bank_last_updated": "2026-09-17T20:46:56.000+10:00"
     },
     {
      "rank": 12,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     },
     {
      "rank": 13,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 14,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 15,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": 273,
      "term_days_max": 302,
      "term_raw": "P273D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 16,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 17,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "6 Month Fixed Term Business Term Deposit",
      "product_label": "6 Month Fixed Term Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/6MTH_BUSINESS_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/6MTH_BUSINESS_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-11T13:50:32.000+10:00"
     },
     {
      "rank": 18,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 9 mths",
      "product_label": "Business Term Deposit 9 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/249",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/249.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 19,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.0,
      "deposit_min": 50000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 20,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Business Investment Account",
      "product_label": "Business Investment Account",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 1.0,
      "tier_max": 1999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an eligible transaction account in the same business name",
       "In the case of domestic businesses (e.g. a sole trader, company, etc.) have an ABN and/or ACN as applicable",
       "In the case of foreign companies that carry on business in Australia, be registered with ASIC. The eligibility of other foreign companies will be subject to re…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/5669534e63ea45d0b9c0b58ead071748",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/5669534e63ea45d0b9c0b58ead071748.json",
      "product_url": "https://www.commbank.com.au/business/investments/business-investment-account.html",
      "bank_last_updated": "2026-10-02T16:00:57.000Z"
     },
     {
      "rank": 21,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": 245,
      "term_days_max": 274,
      "term_raw": "P274D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 22,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 23,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 24,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 25,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 26,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 27,
      "brand": "SWSbank",
      "brand_label": "SWS Bank",
      "brand_slug": "swsbank",
      "product_name": "9 Month Term Deposit",
      "product_label": "9 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 9999999.0,
      "deposit_min": 50000.0,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/I3_TD_9Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/swsbank/I3_TD_9Months.json",
      "product_url": "https://swscu.apply-online.com.au/#/3e8f1c2b-4724-4a65-b5d0-2d7eaf64b99b",
      "bank_last_updated": "2026-05-11T16:53:22.000+10:00"
     },
     {
      "rank": 28,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 29,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "6-11 months >$25K",
      "product_label": "6-11 Months >$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.031,
      "rate_pct": 3.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 25000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_4.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     }
    ],
    "10": [
     {
      "rank": 1,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 2,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": 280,
      "term_days_max": 310,
      "term_raw": "P310D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 9999999.0,
      "deposit_min": 49999.01,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 3,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     },
     {
      "rank": 4,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 5,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 6,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "6 Month Fixed Term Business Term Deposit",
      "product_label": "6 Month Fixed Term Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/6MTH_BUSINESS_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/6MTH_BUSINESS_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-11T13:50:32.000+10:00"
     },
     {
      "rank": 7,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.0,
      "deposit_min": 50000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 8,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Business Investment Account",
      "product_label": "Business Investment Account",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 1.0,
      "tier_max": 1999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an eligible transaction account in the same business name",
       "In the case of domestic businesses (e.g. a sole trader, company, etc.) have an ABN and/or ACN as applicable",
       "In the case of foreign companies that carry on business in Australia, be registered with ASIC. The eligibility of other foreign companies will be subject to re…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/5669534e63ea45d0b9c0b58ead071748",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/5669534e63ea45d0b9c0b58ead071748.json",
      "product_url": "https://www.commbank.com.au/business/investments/business-investment-account.html",
      "bank_last_updated": "2026-10-02T16:00:57.000Z"
     },
     {
      "rank": 9,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": 275,
      "term_days_max": 305,
      "term_raw": "P305D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 10,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 11,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 12,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 13,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 14,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 15,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 16,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 17,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "6-11 months >$25K",
      "product_label": "6-11 Months >$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.031,
      "rate_pct": 3.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 25000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_4.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 18,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0175,
      "rate_pct": 1.75,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": 303,
      "term_days_max": 333,
      "term_raw": "P303D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 19,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 10 Months",
      "product_label": "Package TD 10 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.012,
      "rate_pct": 1.2,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/31",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/31.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "11": [
     {
      "rank": 1,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 311,
      "term_days_max": 341,
      "term_raw": "P341D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 9999999.0,
      "deposit_min": 49999.01,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 2,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     },
     {
      "rank": 3,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 4,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 5,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": 330,
      "term_days_min": 330,
      "term_days_max": 330,
      "term_raw": "P330D",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 6,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 7,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "6 Month Fixed Term Business Term Deposit",
      "product_label": "6 Month Fixed Term Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/6MTH_BUSINESS_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/6MTH_BUSINESS_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-11T13:50:32.000+10:00"
     },
     {
      "rank": 8,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.0,
      "deposit_min": 50000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 9,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 10,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Business Investment Account",
      "product_label": "Business Investment Account",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 1.0,
      "tier_max": 1999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an eligible transaction account in the same business name",
       "In the case of domestic businesses (e.g. a sole trader, company, etc.) have an ABN and/or ACN as applicable",
       "In the case of foreign companies that carry on business in Australia, be registered with ASIC. The eligibility of other foreign companies will be subject to re…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/5669534e63ea45d0b9c0b58ead071748",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/5669534e63ea45d0b9c0b58ead071748.json",
      "product_url": "https://www.commbank.com.au/business/investments/business-investment-account.html",
      "bank_last_updated": "2026-10-02T16:00:57.000Z"
     },
     {
      "rank": 11,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 306,
      "term_days_max": 335,
      "term_raw": "P335D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 12,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 13,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 14,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 15,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 16,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 17,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 18,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "6-11 months >$25K",
      "product_label": "6-11 Months >$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.031,
      "rate_pct": 3.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 25000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_4.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 19,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0175,
      "rate_pct": 1.75,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 334,
      "term_days_max": 364,
      "term_raw": "P334D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 20,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 11 Months",
      "product_label": "Package TD 11 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.012,
      "rate_pct": 1.2,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/32",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/32.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "12": [
     {
      "rank": 1,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 12 Months",
      "product_label": "Package TD 12 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.056,
      "rate_pct": 5.6,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/33",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/33.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-10-01T00:00:32.1421029Z"
     },
     {
      "rank": 2,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0555,
      "rate_pct": 5.55,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 3,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Broker Term Deposit - Business",
      "product_label": "Broker Term Deposit - Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0555,
      "rate_pct": 5.55,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 2000000.0,
      "deposit_min": 10000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This account is available via Australian Money Market.",
       "available via broker or intermediary",
       "Minimum deposit for new customer is $10K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD04.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD04.1.json",
      "product_url": "https://www.heartlandbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-30T03:58:22Z"
     },
     {
      "rank": 4,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 12 months",
      "product_label": "Term Deposit 12 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.055,
      "rate_pct": 5.5,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/644d03e6-be3c-4d25-a6d3-31f3467b5dd9",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/644d03e6-be3c-4d25-a6d3-31f3467b5dd9.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=212",
      "bank_last_updated": "2026-09-14T22:00:23.894Z"
     },
     {
      "rank": 5,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "Preschool Long Service Leave 1 Year Term Deposit",
      "product_label": "Preschool Long Service Leave 1 Year Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.055,
      "rate_pct": 5.5,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": 365,
      "term_days_min": 365,
      "term_days_max": 365,
      "term_raw": "P365D",
      "min_balance": null,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": null,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available to school accounts that hold a membership",
       "loyalty bonus on rollover"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/01b75f79-4873-4db3-9773-d79095a3426d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/01b75f79-4873-4db3-9773-d79095a3426d.json",
      "product_url": "https://www.bankfirst.com.au/bank-accounts/preschool-accounts/save/long-service-and-sick-leave-term-deposit",
      "bank_last_updated": "2026-09-16T23:03:49.305641Z"
     },
     {
      "rank": 6,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 7,
      "brand": "AMP Bank GO",
      "brand_label": "AMP Bank GO",
      "brand_slug": "amp-bank-go",
      "product_name": "AMP Bank GO 12 Month Business Term Deposit",
      "product_label": "12 Month Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Customers must have an active AMP Bank GO Everyday Business Account in order to open an AMP Bank GO Business Term Deposit: Linked Business Transaction Account"
      ],
      "stacked_bonus": null,
      "source_url": "https://pub.cdr-sme.amp.com.au/api/cds-au/v1/banking/products/5c92f5a9-c90c-4dc1-a4ea-1d164146f575",
      "source_snapshot": "/au/finance/term-deposits/v1/source/amp-bank-go/5c92f5a9-c90c-4dc1-a4ea-1d164146f575.json",
      "product_url": "https://www.amp.com.au/business-banking/small-business-everyday-money",
      "bank_last_updated": "2026-09-28T00:25:45.934Z"
     },
     {
      "rank": 8,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 9,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 10,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only.",
       "linked account required",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 11,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only.",
       "linked account required",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 12,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…",
       "Special rate for personal or SMSF customers only. Available on balances from $5,000 to $5,000,000 with interest paid annually."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 13,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": 336,
      "term_days_max": 365,
      "term_raw": "P365D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 14,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 15,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 16,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only.",
       "linked account required",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 17,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online only",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 18,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": 342,
      "term_days_max": 370,
      "term_raw": "P370D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 9999999.0,
      "deposit_min": 49999.01,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 19,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 20,
      "brand": "Hume Bank",
      "brand_label": "Hume Bank",
      "brand_slug": "hume-bank",
      "product_name": "Term Deposit 12M (Interest at Maturity)",
      "product_label": "Term Deposit 12M (Interest at Maturity)",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "personal eligibility inferred: the bank's feed tags every term deposit business-only"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/I1_12M",
      "source_snapshot": "/au/finance/term-deposits/v1/source/hume-bank/I1_12M.json",
      "product_url": "https://www.humebank.com.au/savings/term-deposits/",
      "bank_last_updated": "2026-09-17T20:48:05.000+10:00"
     },
     {
      "rank": 21,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     },
     {
      "rank": 22,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": 365,
      "term_days_max": 729,
      "term_raw": "P365D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 23,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 12 mths",
      "product_label": "Business Term Deposit 12 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/250",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/250.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 24,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 25,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 26,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "Limited Offer 12 months",
      "product_label": "Limited Offer 12 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I2_12",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I2_12.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:45:48.000+10:00"
     },
     {
      "rank": 27,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 12 Mth Capitalise",
      "product_label": "INV - 12 Mth Capitalise",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 50000.0,
      "tier_max": 199999.99,
      "deposit_min": 50000.0,
      "deposit_max": 199999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/17",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/17.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-09-28T12:00:30.9399881Z"
     },
     {
      "rank": 28,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "12 MTH FIXED TERM BUSINESS",
      "product_label": "12 Mth Fixed Term Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/12MTH_BUSINESS_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/12MTH_BUSINESS_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-07-01T10:31:25.000+10:00"
     },
     {
      "rank": 29,
      "brand": "The Capricornian",
      "brand_label": "The Capricornian",
      "brand_slug": "the-capricornian",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": 250000.0,
      "tier_min": 5000.0,
      "tier_max": 250000.0,
      "deposit_min": 5000.0,
      "deposit_max": 250000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to individuals, companies and trust for personal or business use.",
       "Is currently, or wishes to become, a shareholding member of The Capricornian Ltd."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/4ecba156-6b32-420b-8946-3f32b7a0504f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-capricornian/4ecba156-6b32-420b-8946-3f32b7a0504f.json",
      "product_url": "https://www.capricornian.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-10-02T02:31:03.752887Z"
     },
     {
      "rank": 30,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 31,
      "brand": "SWSbank",
      "brand_label": "SWS Bank",
      "brand_slug": "swsbank",
      "product_name": "12 Month Term Deposit",
      "product_label": "12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 9999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/I4_TD_12Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/swsbank/I4_TD_12Months.json",
      "product_url": "https://swscu.apply-online.com.au/#/3e8f1c2b-4724-4a65-b5d0-2d7eaf64b99b",
      "bank_last_updated": "2026-05-11T16:55:24.000+10:00"
     },
     {
      "rank": 32,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.0,
      "deposit_min": 50000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 33,
      "brand": "Fire Service Credit Union",
      "brand_label": "Fire Service Credit Union",
      "brand_slug": "fire-service-credit-union",
      "product_name": "I12 FTD 12 Months",
      "product_label": "I12 FTD 12 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/15",
      "source_snapshot": "/au/finance/term-deposits/v1/source/fire-service-credit-union/15.json",
      "product_url": "https://www.fscu.com.au/accounts/term-deposits/",
      "bank_last_updated": "2026-05-20T04:00:33.3305724Z"
     }
    ],
    "18": [
     {
      "rank": 1,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": 365,
      "term_days_max": 729,
      "term_raw": "P365D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 2,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 3,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "Limited Offer 18 months",
      "product_label": "Limited Offer 18 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I2_18",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I2_18.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:45:48.000+10:00"
     },
     {
      "rank": 4,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y6M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 5,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 6,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Business Investment Account",
      "product_label": "Business Investment Account",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 1.0,
      "tier_max": 1999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an eligible transaction account in the same business name",
       "In the case of domestic businesses (e.g. a sole trader, company, etc.) have an ABN and/or ACN as applicable",
       "In the case of foreign companies that carry on business in Australia, be registered with ASIC. The eligibility of other foreign companies will be subject to re…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/5669534e63ea45d0b9c0b58ead071748",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/5669534e63ea45d0b9c0b58ead071748.json",
      "product_url": "https://www.commbank.com.au/business/investments/business-investment-account.html",
      "bank_last_updated": "2026-10-02T16:00:57.000Z"
     },
     {
      "rank": 7,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 8,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 13,
      "term_min_months": 13,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P23M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 9,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "half_yearly",
      "term_months": 13,
      "term_min_months": 13,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P13M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 10,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "half_yearly",
      "term_months": 13,
      "term_min_months": 13,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P13M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 11,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "half_yearly",
      "term_months": 13,
      "term_min_months": 13,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P13M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 12,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.039,
      "rate_pct": 3.9,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": 518,
      "term_days_max": 549,
      "term_raw": "P549D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 9999999.0,
      "deposit_min": 49999.01,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 13,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 18 months",
      "product_label": "Term Deposit 18 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/3d455cd8-7fed-4849-a85a-dee559f127e6",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/3d455cd8-7fed-4849-a85a-dee559f127e6.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=213",
      "bank_last_updated": "2026-06-24T05:52:03.943Z"
     },
     {
      "rank": 14,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 15,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.0,
      "deposit_min": 50000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 16,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Online Term Deposit (Business)",
      "product_label": "Online Term Deposit (Business)",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "half_yearly",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 100000.0,
      "deposit_min": 1000.0,
      "deposit_max": 100000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "New customers are required to open and maintain a High Interest Savings Account (HISA) which is a variable rate at-call savings account which does not charge f…",
       "The business must be an active non-financial entity.",
       "The business must have an Australian bank account in its name with another financial institution.",
       "loyalty bonus on rollover"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/32a7317d-b86e-4510-af9b-d67260de9507",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/32a7317d-b86e-4510-af9b-d67260de9507.json",
      "product_url": "https://myapplication.rabobank.com.au/apply?CONT=AU&PID=TERMDEP",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 17,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 18 Months",
      "product_label": "Package TD 18 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0075,
      "rate_pct": 0.75,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/35",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/35.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "24": [
     {
      "rank": 1,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 2,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 24 months",
      "product_label": "Term Deposit 24 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/f69c781b-9809-4a83-bca8-310bd16461a9",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/f69c781b-9809-4a83-bca8-310bd16461a9.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=214",
      "bank_last_updated": "2026-09-21T22:00:26.182Z"
     },
     {
      "rank": 3,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 4,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 5,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit  24 mths",
      "product_label": "Business Term Deposit 24 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/228",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/228.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 6,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 7,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 33,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 8,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Broker Term Deposit - Business",
      "product_label": "Broker Term Deposit - Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 2000000.0,
      "deposit_min": 10000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This account is available via Australian Money Market.",
       "available via broker or intermediary",
       "Minimum deposit for new customer is $10K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD04.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD04.1.json",
      "product_url": "https://www.heartlandbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-30T03:58:22Z"
     },
     {
      "rank": 9,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 10,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 19,
      "term_min_months": 19,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": 550,
      "term_days_max": 730,
      "term_raw": "P730D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 9999999.0,
      "deposit_min": 49999.01,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 11,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     },
     {
      "rank": 12,
      "brand": "Hume Bank",
      "brand_label": "Hume Bank",
      "brand_slug": "hume-bank",
      "product_name": "Term Deposit Online 24M (Paid annually or at Maturity)",
      "product_label": "Term Deposit Online 24M (Paid Annually or at Maturity)",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "personal eligibility inferred: the bank's feed tags every term deposit business-only"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/24M_Online",
      "source_snapshot": "/au/finance/term-deposits/v1/source/hume-bank/24M_Online.json",
      "product_url": "https://www.humebank.com.au/savings/term-deposits/",
      "bank_last_updated": "2026-09-17T20:46:56.000+10:00"
     },
     {
      "rank": 13,
      "brand": "The Capricornian",
      "brand_label": "The Capricornian",
      "brand_slug": "the-capricornian",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": 250000.0,
      "tier_min": 5000.0,
      "tier_max": 250000.0,
      "deposit_min": 5000.0,
      "deposit_max": 250000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to individuals, companies and trust for personal or business use.",
       "Is currently, or wishes to become, a shareholding member of The Capricornian Ltd."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/4ecba156-6b32-420b-8946-3f32b7a0504f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-capricornian/4ecba156-6b32-420b-8946-3f32b7a0504f.json",
      "product_url": "https://www.capricornian.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-10-02T02:31:03.752887Z"
     },
     {
      "rank": 14,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 15,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 16,
      "brand": "SWSbank",
      "brand_label": "SWS Bank",
      "brand_slug": "swsbank",
      "product_name": "24 Month Term Deposit",
      "product_label": "24 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 9999999.0,
      "deposit_min": 50000.0,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/I6_TD_24Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/swsbank/I6_TD_24Months.json",
      "product_url": "https://swscu.apply-online.com.au/#/3e8f1c2b-4724-4a65-b5d0-2d7eaf64b99b",
      "bank_last_updated": "2026-06-10T16:59:42.000+10:00"
     },
     {
      "rank": 17,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 18,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 19,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.046,
      "rate_pct": 4.6,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P35M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 20,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "24 Month Business Fixed Term Deposit",
      "product_label": "24 Month Business Fixed Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0455,
      "rate_pct": 4.55,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/24MTH_BUSINESS_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/24MTH_BUSINESS_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-04T12:33:33.000+10:00"
     },
     {
      "rank": 21,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 22,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 23,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 24 Mth Trf 12 Mthly",
      "product_label": "INV - 24 Mth Trf 12 Mthly",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 50000.0,
      "tier_max": 199999.99,
      "deposit_min": 50000.0,
      "deposit_max": 199999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/23",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/23.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-03-23T12:00:30.9673694Z"
     },
     {
      "rank": 24,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 25,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "18-24 months >$25K",
      "product_label": "18-24 Months >$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 25000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_8",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_8.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 26,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.0,
      "deposit_min": 50000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 27,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 28,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 29,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 24 Months",
      "product_label": "Package TD 24 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.017,
      "rate_pct": 1.7,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/37",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/37.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "36": [
     {
      "rank": 1,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 2,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 36 months",
      "product_label": "Term Deposit 36 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 3000000.0,
      "deposit_min": 500.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/a75b54b7-3278-4fba-95d9-9cc143471b8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/a75b54b7-3278-4fba-95d9-9cc143471b8d.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=285",
      "bank_last_updated": "2026-09-21T22:00:24.424Z"
     },
     {
      "rank": 3,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 4,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 5,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 6,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Broker Term Deposit - Business",
      "product_label": "Broker Term Deposit - Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 2000000.0,
      "deposit_min": 10000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This account is available via Australian Money Market.",
       "available via broker or intermediary",
       "Minimum deposit for new customer is $10K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD04.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD04.1.json",
      "product_url": "https://www.heartlandbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-30T03:58:22Z"
     },
     {
      "rank": 7,
      "brand": "Hume Bank",
      "brand_label": "Hume Bank",
      "brand_slug": "hume-bank",
      "product_name": "Term Deposit Online 36M (Paid Annually or at Maturity)",
      "product_label": "Term Deposit Online 36M (Paid Annually or at Maturity)",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "personal eligibility inferred: the bank's feed tags every term deposit business-only"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/36M_Online",
      "source_snapshot": "/au/finance/term-deposits/v1/source/hume-bank/36M_Online.json",
      "product_url": "https://www.humebank.com.au/savings/term-deposits/",
      "bank_last_updated": "2026-09-17T20:46:56.000+10:00"
     },
     {
      "rank": 8,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.046,
      "rate_pct": 4.6,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 47,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 9,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 10,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 11,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "12 MONTHLY INT TERM DEP",
      "product_label": "12 Monthly Int Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0425,
      "rate_pct": 4.25,
      "interest_paid": "annually",
      "term_months": 35,
      "term_min_months": 35,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": 1065,
      "term_days_max": 1095,
      "term_raw": "P1095D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 9999999.0,
      "deposit_min": 49999.01,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d25ba6e3-fbda-4c0a-8a10-c81241b8e013",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d25ba6e3-fbda-4c0a-8a10-c81241b8e013.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-05-07T08:56:35.000+10:00"
     },
     {
      "rank": 12,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0425,
      "rate_pct": 4.25,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     },
     {
      "rank": 13,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 47,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P47M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 14,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 47,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 15,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 47,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 16,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 47,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 17,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 18,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 36 Mth Trf 12 Mthly",
      "product_label": "INV - 36 Mth Trf 12 Mthly",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 50000.0,
      "tier_max": 199999.99,
      "deposit_min": 50000.0,
      "deposit_max": 199999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/25",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/25.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-03-23T12:00:30.9673694Z"
     },
     {
      "rank": 19,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.0,
      "deposit_min": 50000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 20,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 47,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 21,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 22,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 36 Months",
      "product_label": "Package TD 36 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.017,
      "rate_pct": 1.7,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/38",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/38.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "48": [
     {
      "rank": 1,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.055,
      "rate_pct": 5.5,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 2,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 3,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 4,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 5,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Broker Term Deposit - Business",
      "product_label": "Broker Term Deposit - Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 2000000.0,
      "deposit_min": 10000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This account is available via Australian Money Market.",
       "available via broker or intermediary",
       "Minimum deposit for new customer is $10K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD04.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD04.1.json",
      "product_url": "https://www.heartlandbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-30T03:58:22Z"
     },
     {
      "rank": 6,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 59,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P59M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 7,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 59,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 8,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 59,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 9,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 59,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 10,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 59,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 11,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 12,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 48-60 Mth Trf 12 Mthly",
      "product_label": "INV - 48-60 Mth Trf 12 Mthly",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 50000.0,
      "tier_max": 199999.99,
      "deposit_min": 50000.0,
      "deposit_max": 199999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/13",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/13.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-03-23T12:00:30.9673694Z"
     },
     {
      "rank": 13,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.0,
      "deposit_min": 50000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 14,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 37,
      "term_min_months": 37,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": 1096,
      "term_days_max": 1460,
      "term_raw": "P1460D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 9999999.0,
      "deposit_min": 49999.01,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 15,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.031,
      "rate_pct": 3.1,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 16,
      "brand": "Bank of Queensland Limited",
      "brand_label": "BOQ",
      "brand_slug": "bank-of-queensland-limited",
      "product_name": "Premier Investment Term Deposit",
      "product_label": "Premier Investment Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 59,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 249999.0,
      "deposit_min": 5000.0,
      "deposit_max": 249999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "QLD/NSW solicitors and QLD/NSW property agents and motor dealers looking for an interest-bearing Controlled Money Account or Investment Trust Account to hold c…",
       "Not-for-profit organisations. Not available to Self-Managed Superannuation Funds."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cds.boq.com.au/cds-au/v1/banking/products/0b906e88-5c03-ee11-8f6e-00224814d330",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-queensland-limited/0b906e88-5c03-ee11-8f6e-00224814d330.json",
      "product_url": "https://www.boq.com.au/personal/banking/savings-and-term-deposits/term-deposits/enquire-now",
      "bank_last_updated": "2026-09-21T00:19:47Z"
     },
     {
      "rank": 17,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 18,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 48 Months",
      "product_label": "Package TD 48 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0075,
      "rate_pct": 0.75,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/39",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/39.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "60": [
     {
      "rank": 1,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.055,
      "rate_pct": 5.5,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 2,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 3,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 4,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Broker Term Deposit - Business",
      "product_label": "Broker Term Deposit - Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 2000000.0,
      "deposit_min": 10000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This account is available via Australian Money Market.",
       "available via broker or intermediary",
       "Minimum deposit for new customer is $10K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD04.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD04.1.json",
      "product_url": "https://www.heartlandbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-30T03:58:22Z"
     },
     {
      "rank": 5,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 6,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 7,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 8,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 9,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 10,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.99,
      "deposit_min": 50000.0,
      "deposit_max": 99999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 11,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 12,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 48-60 Mth Trf 12 Mthly",
      "product_label": "INV - 48-60 Mth Trf 12 Mthly",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 50000.0,
      "tier_max": 199999.99,
      "deposit_min": 50000.0,
      "deposit_max": 199999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/13",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/13.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-03-23T12:00:30.9673694Z"
     },
     {
      "rank": 13,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 50,
      "term_min_months": 50,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": 1491,
      "term_days_max": 1829,
      "term_raw": "P1829D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 9999999.0,
      "deposit_min": 49999.01,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 14,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.032,
      "rate_pct": 3.2,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 99999.0,
      "deposit_min": 50000.0,
      "deposit_max": 99999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 15,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.031,
      "rate_pct": 3.1,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 16,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 17,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 60 Months",
      "product_label": "Package TD 60 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0075,
      "rate_pct": 0.75,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/40",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/40.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ]
   },
   "250000": {
    "1": [
     {
      "rank": 1,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "School 30-90 Day Flexible Term Deposit",
      "product_label": "School 30-90 Day Flexible Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": 30,
      "term_days_max": 90,
      "term_raw": "P90D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available to school accounts that hold a membership"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/a2ec048e-58ec-47e2-ac0e-b34d18abd8af",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/a2ec048e-58ec-47e2-ac0e-b34d18abd8af.json",
      "product_url": "https://www.bankfirst.com.au/bank-accounts/school-accounts/30-90-day-school-term-deposit",
      "bank_last_updated": "2026-09-16T23:03:55.479534Z"
     },
     {
      "rank": 2,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 3,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Broker Term Deposit - Business",
      "product_label": "Broker Term Deposit - Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0255,
      "rate_pct": 2.55,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": 31,
      "term_days_min": 31,
      "term_days_max": 31,
      "term_raw": "P31D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 2000000.0,
      "deposit_min": 10000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This account is available via Australian Money Market.",
       "available via broker or intermediary",
       "Minimum deposit for new customer is $10K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD04.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD04.1.json",
      "product_url": "https://www.heartlandbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-30T03:58:22Z"
     },
     {
      "rank": 4,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0225,
      "rate_pct": 2.25,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 499999.0,
      "deposit_min": 100000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 5,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit  1 mth",
      "product_label": "Business Term Deposit 1 Mth",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/243",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/243.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-05-20T00:00:00.000+10:00"
     },
     {
      "rank": 6,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 7,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 8,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 9,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0195,
      "rate_pct": 1.95,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": 31,
      "term_days_max": 60,
      "term_raw": "P60D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 10,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.015,
      "rate_pct": 1.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 11,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.015,
      "rate_pct": 1.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 12,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.015,
      "rate_pct": 1.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 13,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.014,
      "rate_pct": 1.4,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 14,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.014,
      "rate_pct": 1.4,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 15,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.014,
      "rate_pct": 1.4,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": 30,
      "term_days_min": 30,
      "term_days_max": 30,
      "term_raw": "P30D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 16,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.014,
      "rate_pct": 1.4,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 17,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0115,
      "rate_pct": 1.15,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 18,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0075,
      "rate_pct": 0.75,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": 28,
      "term_days_max": 31,
      "term_raw": "P31D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 11000000.0,
      "deposit_min": 49999.01,
      "deposit_max": 11000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 19,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.005,
      "rate_pct": 0.5,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 1,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     }
    ],
    "2": [
     {
      "rank": 1,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 499999.0,
      "deposit_min": 100000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 2,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "School 30-90 Day Flexible Term Deposit",
      "product_label": "School 30-90 Day Flexible Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 1,
      "term_min_months": 1,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": 30,
      "term_days_max": 90,
      "term_raw": "P90D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available to school accounts that hold a membership"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/a2ec048e-58ec-47e2-ac0e-b34d18abd8af",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/a2ec048e-58ec-47e2-ac0e-b34d18abd8af.json",
      "product_url": "https://www.bankfirst.com.au/bank-accounts/school-accounts/30-90-day-school-term-deposit",
      "bank_last_updated": "2026-09-16T23:03:55.479534Z"
     },
     {
      "rank": 3,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": 61,
      "term_days_max": 92,
      "term_raw": "P92D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 4,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0445,
      "rate_pct": 4.45,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 5,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.03,
      "rate_pct": 3.0,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 6,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.023,
      "rate_pct": 2.3,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 7,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 2 mths",
      "product_label": "Business Term Deposit 2 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available on request"
      ],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/244",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/244.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-05-20T00:00:00.000+10:00"
     },
     {
      "rank": 8,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 9,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.021,
      "rate_pct": 2.1,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 10,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0175,
      "rate_pct": 1.75,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 11,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0175,
      "rate_pct": 1.75,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 12,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0175,
      "rate_pct": 1.75,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 13,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0165,
      "rate_pct": 1.65,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 14,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0165,
      "rate_pct": 1.65,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 15,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0165,
      "rate_pct": 1.65,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": 60,
      "term_days_min": 60,
      "term_days_max": 60,
      "term_raw": "P60D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 16,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0165,
      "rate_pct": 1.65,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 17,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0115,
      "rate_pct": 1.15,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 18,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.01,
      "rate_pct": 1.0,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": 32,
      "term_days_max": 62,
      "term_raw": "P62D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 9999999.0,
      "deposit_min": 49999.01,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 19,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.005,
      "rate_pct": 0.5,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 2,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     }
    ],
    "3": [
     {
      "rank": 1,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 3 Months",
      "product_label": "Package TD 3 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/24",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/24.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-10-01T00:00:32.1421029Z"
     },
     {
      "rank": 2,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 3 months",
      "product_label": "Term Deposit 3 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Personal, Joint, Self Managed Super Fund (SMSF), Business & Trust."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/b7a085bb-a6cc-46a8-a052-ed6f42b1d58b",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/b7a085bb-a6cc-46a8-a052-ed6f42b1d58b.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=203",
      "bank_last_updated": "2026-09-21T22:00:25.125Z"
     },
     {
      "rank": 3,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": 90,
      "term_days_min": 90,
      "term_days_max": 90,
      "term_raw": "P90D",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 4,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 5,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 6,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 499999.0,
      "deposit_min": 100000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 7,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 8,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": 63,
      "term_days_max": 93,
      "term_raw": "P93D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 9999999.0,
      "deposit_min": 49999.01,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 9,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 10,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     },
     {
      "rank": 11,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 12,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Broker Term Deposit - Business",
      "product_label": "Broker Term Deposit - Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 2000000.0,
      "deposit_min": 10000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This account is available via Australian Money Market.",
       "available via broker or intermediary",
       "Minimum deposit for new customer is $10K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD04.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD04.1.json",
      "product_url": "https://www.heartlandbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-30T03:58:22Z"
     },
     {
      "rank": 13,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 14,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 2,
      "term_min_months": 2,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": 61,
      "term_days_max": 92,
      "term_raw": "P92D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 15,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "3 MTH FIXED TERM BUS",
      "product_label": "3 Mth Fixed Term Bus",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0465,
      "rate_pct": 4.65,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/3MTH_BUSINESS_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/3MTH_BUSINESS_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-04T12:31:40.000+10:00"
     },
     {
      "rank": 16,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "Limited Offer 3 months",
      "product_label": "Limited Offer 3 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I2_1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I2_1.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:45:48.000+10:00"
     },
     {
      "rank": 17,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 3 mths",
      "product_label": "Business Term Deposit 3 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0435,
      "rate_pct": 4.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/245",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/245.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 18,
      "brand": "Fire Service Credit Union",
      "brand_label": "Fire Service Credit Union",
      "brand_slug": "fire-service-credit-union",
      "product_name": "I3 FTD 3 Months",
      "product_label": "I3 FTD 3 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0435,
      "rate_pct": 4.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/12",
      "source_snapshot": "/au/finance/term-deposits/v1/source/fire-service-credit-union/12.json",
      "product_url": "https://www.fscu.com.au/accounts/term-deposits/",
      "bank_last_updated": "2026-05-20T04:00:33.3305724Z"
     },
     {
      "rank": 19,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 3 Mth Capitalise",
      "product_label": "INV - 3 Mth Capitalise",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.043,
      "rate_pct": 4.3,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 200000.0,
      "tier_max": null,
      "deposit_min": 200000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/12",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/12.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-04-07T12:00:30.9645062Z"
     },
     {
      "rank": 20,
      "brand": "The Capricornian",
      "brand_label": "The Capricornian",
      "brand_slug": "the-capricornian",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": 250000.0,
      "tier_min": 5000.0,
      "tier_max": 250000.0,
      "deposit_min": 5000.0,
      "deposit_max": 250000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to individuals, companies and trust for personal or business use.",
       "Is currently, or wishes to become, a shareholding member of The Capricornian Ltd."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/4ecba156-6b32-420b-8946-3f32b7a0504f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-capricornian/4ecba156-6b32-420b-8946-3f32b7a0504f.json",
      "product_url": "https://www.capricornian.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-10-02T02:31:03.752887Z"
     },
     {
      "rank": 21,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 22,
      "brand": "Hume Bank",
      "brand_label": "Hume Bank",
      "brand_slug": "hume-bank",
      "product_name": "Term Deposit Online 3M (Interest at Maturity)",
      "product_label": "Term Deposit Online 3M (Interest at Maturity)",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "personal eligibility inferred: the bank's feed tags every term deposit business-only"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/3M_Online",
      "source_snapshot": "/au/finance/term-deposits/v1/source/hume-bank/3M_Online.json",
      "product_url": "https://www.humebank.com.au/savings/term-deposits/",
      "bank_last_updated": "2026-09-17T20:46:56.000+10:00"
     },
     {
      "rank": 23,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 24,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Business Investment Account",
      "product_label": "Business Investment Account",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 1.0,
      "tier_max": 1999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an eligible transaction account in the same business name",
       "In the case of domestic businesses (e.g. a sole trader, company, etc.) have an ABN and/or ACN as applicable",
       "In the case of foreign companies that carry on business in Australia, be registered with ASIC. The eligibility of other foreign companies will be subject to re…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/5669534e63ea45d0b9c0b58ead071748",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/5669534e63ea45d0b9c0b58ead071748.json",
      "product_url": "https://www.commbank.com.au/business/investments/business-investment-account.html",
      "bank_last_updated": "2026-10-02T16:00:57.000Z"
     },
     {
      "rank": 25,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": 90,
      "term_days_min": 90,
      "term_days_max": 90,
      "term_raw": "P90D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 26,
      "brand": "SWSbank",
      "brand_label": "SWS Bank",
      "brand_slug": "swsbank",
      "product_name": "3 Month Term Deposit",
      "product_label": "3 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 9999999.0,
      "deposit_min": 50000.0,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/I3_TD_3Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/swsbank/I3_TD_3Months.json",
      "product_url": "https://swscu.apply-online.com.au/#/3e8f1c2b-4724-4a65-b5d0-2d7eaf64b99b",
      "bank_last_updated": "2026-05-11T16:49:14.000+10:00"
     },
     {
      "rank": 27,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 28,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 29,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 30,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 3,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     }
    ],
    "4": [
     {
      "rank": 1,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": 93,
      "term_days_max": 122,
      "term_raw": "P122D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 2,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "School 120-180 Day Flexible Term Deposit",
      "product_label": "School 120-180 Day Flexible Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 120,
      "term_days_max": 180,
      "term_raw": "P180D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available to school accounts that hold a membership"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/d85414a0-2d36-43f6-9c81-fac4c92c8b87",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/d85414a0-2d36-43f6-9c81-fac4c92c8b87.json",
      "product_url": "https://www.bankfirst.com.au/bank-accounts/school-accounts/120-180-day-school-term-deposit",
      "bank_last_updated": "2026-09-16T23:03:42.967734Z"
     },
     {
      "rank": 3,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 4 mths",
      "product_label": "Business Term Deposit 4 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/246",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/246.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-05-20T00:00:00.000+10:00"
     },
     {
      "rank": 4,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": 120,
      "term_days_min": 120,
      "term_days_max": 120,
      "term_raw": "P120D",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 5,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 6,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 7,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": 94,
      "term_days_max": 124,
      "term_raw": "P124D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 9999999.0,
      "deposit_min": 49999.01,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 8,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 9,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     },
     {
      "rank": 10,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 11,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 12,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.039,
      "rate_pct": 3.9,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 13,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 499999.0,
      "deposit_min": 100000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 14,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 15,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 16,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Business Investment Account",
      "product_label": "Business Investment Account",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0345,
      "rate_pct": 3.45,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 1.0,
      "tier_max": 1999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an eligible transaction account in the same business name",
       "In the case of domestic businesses (e.g. a sole trader, company, etc.) have an ABN and/or ACN as applicable",
       "In the case of foreign companies that carry on business in Australia, be registered with ASIC. The eligibility of other foreign companies will be subject to re…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/5669534e63ea45d0b9c0b58ead071748",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/5669534e63ea45d0b9c0b58ead071748.json",
      "product_url": "https://www.commbank.com.au/business/investments/business-investment-account.html",
      "bank_last_updated": "2026-10-02T16:00:57.000Z"
     },
     {
      "rank": 17,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 18,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 19,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 20,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 21,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "3-5 months >$25K",
      "product_label": "3-5 Months >$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.027,
      "rate_pct": 2.7,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 25000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_2",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_2.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 22,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 4 Months",
      "product_label": "Package TD 4 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.008,
      "rate_pct": 0.8,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 4,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/25",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/25.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "5": [
     {
      "rank": 1,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "School 120-180 Day Flexible Term Deposit",
      "product_label": "School 120-180 Day Flexible Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 120,
      "term_days_max": 180,
      "term_raw": "P180D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 9999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available to school accounts that hold a membership"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/d85414a0-2d36-43f6-9c81-fac4c92c8b87",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/d85414a0-2d36-43f6-9c81-fac4c92c8b87.json",
      "product_url": "https://www.bankfirst.com.au/bank-accounts/school-accounts/120-180-day-school-term-deposit",
      "bank_last_updated": "2026-09-16T23:03:42.967734Z"
     },
     {
      "rank": 2,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 3,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 499999.0,
      "deposit_min": 100000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 4,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 125,
      "term_days_max": 155,
      "term_raw": "P155D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 9999999.0,
      "deposit_min": 49999.01,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 5,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 6,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": 123,
      "term_days_max": 153,
      "term_raw": "P153D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 7,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     },
     {
      "rank": 8,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 4,
      "term_min_months": 4,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 9,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 5 mths",
      "product_label": "Business Term Deposit 5 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/247",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/247.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 10,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 11,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.039,
      "rate_pct": 3.9,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 12,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 13,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Business Investment Account",
      "product_label": "Business Investment Account",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 1.0,
      "tier_max": 1999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an eligible transaction account in the same business name",
       "In the case of domestic businesses (e.g. a sole trader, company, etc.) have an ABN and/or ACN as applicable",
       "In the case of foreign companies that carry on business in Australia, be registered with ASIC. The eligibility of other foreign companies will be subject to re…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/5669534e63ea45d0b9c0b58ead071748",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/5669534e63ea45d0b9c0b58ead071748.json",
      "product_url": "https://www.commbank.com.au/business/investments/business-investment-account.html",
      "bank_last_updated": "2026-10-02T16:00:57.000Z"
     },
     {
      "rank": 14,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0345,
      "rate_pct": 3.45,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 15,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0345,
      "rate_pct": 3.45,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 16,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0345,
      "rate_pct": 3.45,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 17,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 18,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 19,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "3-5 months >$25K",
      "product_label": "3-5 Months >$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.027,
      "rate_pct": 2.7,
      "interest_paid": "at_maturity",
      "term_months": 3,
      "term_min_months": 3,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 25000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_2",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_2.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 20,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 5 Months",
      "product_label": "Package TD 5 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.008,
      "rate_pct": 0.8,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 5,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/26",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/26.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "6": [
     {
      "rank": 1,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 6 Months",
      "product_label": "Package TD 6 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/27",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/27.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-09-09T02:00:32.1081640Z"
     },
     {
      "rank": 2,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Term Deposit - Business",
      "product_label": "Term Deposit - Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 100000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To open an account, at least one of your account signatories must have a valid email address and an Australian mobile number.",
       "Minimum deposit for new customer is $100K.Minimum deposit for existing customer is $5K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD02.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD02.1.json",
      "product_url": "https://www.heartlandbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-29T06:15:12Z"
     },
     {
      "rank": 3,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 4,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Impact Term Deposit 6 months",
      "product_label": "Impact Term Deposit 6 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/ad7a95c3-cdf1-4869-9d1e-6cc956b3ed75",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/ad7a95c3-cdf1-4869-9d1e-6cc956b3ed75.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=217",
      "bank_last_updated": "2026-08-31T22:00:26.705Z"
     },
     {
      "rank": 5,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 6,
      "brand": "Hume Bank",
      "brand_label": "Hume Bank",
      "brand_slug": "hume-bank",
      "product_name": "Term Deposit Online 6M (Interest at Maturity)",
      "product_label": "Term Deposit Online 6M (Interest at Maturity)",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "personal eligibility inferred: the bank's feed tags every term deposit business-only"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/6M_Online",
      "source_snapshot": "/au/finance/term-deposits/v1/source/hume-bank/6M_Online.json",
      "product_url": "https://www.humebank.com.au/savings/term-deposits/",
      "bank_last_updated": "2026-09-17T20:46:56.000+10:00"
     },
     {
      "rank": 7,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 8,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": 154,
      "term_days_max": 183,
      "term_raw": "P183D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 9,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 10,
      "brand": "AMP Bank GO",
      "brand_label": "AMP Bank GO",
      "brand_slug": "amp-bank-go",
      "product_name": "AMP Bank GO 6 Month Business Term Deposit",
      "product_label": "6 Month Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Customers must have an active AMP Bank GO Everyday Business Account in order to open an AMP Bank GO Business Term Deposit: Linked Business Transaction Account"
      ],
      "stacked_bonus": null,
      "source_url": "https://pub.cdr-sme.amp.com.au/api/cds-au/v1/banking/products/5c93b340-7fee-4b00-b737-8503192abab5",
      "source_snapshot": "/au/finance/term-deposits/v1/source/amp-bank-go/5c93b340-7fee-4b00-b737-8503192abab5.json",
      "product_url": "https://www.amp.com.au/business-banking/small-business-everyday-money",
      "bank_last_updated": "2026-09-28T00:31:48.890Z"
     },
     {
      "rank": 11,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 5,
      "term_min_months": 5,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 499999.0,
      "deposit_min": 100000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 12,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": 180,
      "term_days_min": 180,
      "term_days_max": 180,
      "term_raw": "P180D",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 13,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 14,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": 156,
      "term_days_max": 186,
      "term_raw": "P186D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 9999999.0,
      "deposit_min": 49999.01,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 15,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 6 Mth Capitalise",
      "product_label": "INV - 6 Mth Capitalise",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 200000.0,
      "tier_max": null,
      "deposit_min": 200000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/15",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/15.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-09-03T12:00:31.9528987Z"
     },
     {
      "rank": 16,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…",
       "online only",
       "SMSF only",
       "Special Rate for online origination for SMSF customers. Available on balances from $5,000 to $5,000,000. Offer available for a limited time only. Please visit……"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 17,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     },
     {
      "rank": 18,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 19,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "Limited Offer 6 months",
      "product_label": "Limited Offer 6 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I2_6",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I2_6.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:45:48.000+10:00"
     },
     {
      "rank": 20,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 21,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "6 Month Fixed Term Business Term Deposit",
      "product_label": "6 Month Fixed Term Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/6MTH_BUSINESS_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/6MTH_BUSINESS_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-11T13:50:32.000+10:00"
     },
     {
      "rank": 22,
      "brand": "The Capricornian",
      "brand_label": "The Capricornian",
      "brand_slug": "the-capricornian",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": 250000.0,
      "tier_min": 5000.0,
      "tier_max": 250000.0,
      "deposit_min": 5000.0,
      "deposit_max": 250000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to individuals, companies and trust for personal or business use.",
       "Is currently, or wishes to become, a shareholding member of The Capricornian Ltd."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/4ecba156-6b32-420b-8946-3f32b7a0504f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-capricornian/4ecba156-6b32-420b-8946-3f32b7a0504f.json",
      "product_url": "https://www.capricornian.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-10-02T02:31:03.752887Z"
     },
     {
      "rank": 23,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 6 mths",
      "product_label": "Business Term Deposit 6 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/248",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/248.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 24,
      "brand": "Fire Service Credit Union",
      "brand_label": "Fire Service Credit Union",
      "brand_slug": "fire-service-credit-union",
      "product_name": "I5 FTD 6 Months",
      "product_label": "I5 FTD 6 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0425,
      "rate_pct": 4.25,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/13",
      "source_snapshot": "/au/finance/term-deposits/v1/source/fire-service-credit-union/13.json",
      "product_url": "https://www.fscu.com.au/accounts/term-deposits/",
      "bank_last_updated": "2026-05-20T04:00:33.3305724Z"
     },
     {
      "rank": 25,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 26,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 27,
      "brand": "SWSbank",
      "brand_label": "SWS Bank",
      "brand_slug": "swsbank",
      "product_name": "6 Month Term Deposit",
      "product_label": "6 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 9999999.0,
      "deposit_min": 50000.0,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/I2_TD_6Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/swsbank/I2_TD_6Months.json",
      "product_url": "https://swscu.apply-online.com.au/#/3e8f1c2b-4724-4a65-b5d0-2d7eaf64b99b",
      "bank_last_updated": "2026-05-11T16:51:44.000+10:00"
     },
     {
      "rank": 28,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 29,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 30,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 31,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 6,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P6M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     }
    ],
    "7": [
     {
      "rank": 1,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 2,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 3,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": 210,
      "term_days_min": 210,
      "term_days_max": 210,
      "term_raw": "P210D",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 4,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": 187,
      "term_days_max": 217,
      "term_raw": "P217D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 9999999.0,
      "deposit_min": 49999.01,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 5,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     },
     {
      "rank": 6,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 7,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 8,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "6 Month Fixed Term Business Term Deposit",
      "product_label": "6 Month Fixed Term Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/6MTH_BUSINESS_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/6MTH_BUSINESS_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-11T13:50:32.000+10:00"
     },
     {
      "rank": 9,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 499999.0,
      "deposit_min": 100000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 10,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": 184,
      "term_days_max": 213,
      "term_raw": "P213D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 11,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 12,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 13,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 14,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 15,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 16,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 17,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 18,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "6-11 months >$25K",
      "product_label": "6-11 Months >$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.031,
      "rate_pct": 3.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 25000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_4.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 19,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 7 Months",
      "product_label": "Package TD 7 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.013,
      "rate_pct": 1.3,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 7,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/28",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/28.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "8": [
     {
      "rank": 1,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 2,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 3,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": 218,
      "term_days_max": 248,
      "term_raw": "P248D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 9999999.0,
      "deposit_min": 49999.01,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 4,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     },
     {
      "rank": 5,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0495,
      "rate_pct": 4.95,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 6,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "6 Month Fixed Term Business Term Deposit",
      "product_label": "6 Month Fixed Term Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/6MTH_BUSINESS_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/6MTH_BUSINESS_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-11T13:50:32.000+10:00"
     },
     {
      "rank": 7,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 499999.0,
      "deposit_min": 100000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 8,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": 214,
      "term_days_max": 244,
      "term_raw": "P244D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 9,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 10,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 11,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 12,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 13,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 14,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 15,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 16,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 7,
      "term_min_months": 7,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P7M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 17,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "6-11 months >$25K",
      "product_label": "6-11 Months >$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.031,
      "rate_pct": 3.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 25000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_4.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 18,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 8 Months",
      "product_label": "Package TD 8 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0105,
      "rate_pct": 1.05,
      "interest_paid": "at_maturity",
      "term_months": 8,
      "term_min_months": 8,
      "term_max_months": 8,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P8M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/29",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/29.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "9": [
     {
      "rank": 1,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 9 Months",
      "product_label": "Package TD 9 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/30",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/30.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-09-03T02:00:33.2086394Z"
     },
     {
      "rank": 2,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 3,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Broker Term Deposit - Business",
      "product_label": "Broker Term Deposit - Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 2000000.0,
      "deposit_min": 10000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This account is available via Australian Money Market.",
       "available via broker or intermediary",
       "Minimum deposit for new customer is $10K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD04.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD04.1.json",
      "product_url": "https://www.heartlandbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-30T03:58:22Z"
     },
     {
      "rank": 4,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 9 months",
      "product_label": "Term Deposit 9 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/4b265f3c-7abc-4587-a86a-91601b228ddf",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/4b265f3c-7abc-4587-a86a-91601b228ddf.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=209",
      "bank_last_updated": "2026-09-21T22:00:22.842Z"
     },
     {
      "rank": 5,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 9 Mth Capitalise",
      "product_label": "INV - 9 Mth Capitalise",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 200000.0,
      "tier_max": null,
      "deposit_min": 200000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/16",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/16.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-09-28T12:00:30.9399881Z"
     },
     {
      "rank": 6,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 7,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 8,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": 270,
      "term_days_min": 270,
      "term_days_max": 270,
      "term_raw": "P270D",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 9,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 10,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": 249,
      "term_days_max": 279,
      "term_raw": "P279D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 9999999.0,
      "deposit_min": 49999.01,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 11,
      "brand": "Hume Bank",
      "brand_label": "Hume Bank",
      "brand_slug": "hume-bank",
      "product_name": "Term Deposit Online 9M (Interest at Maturity)",
      "product_label": "Term Deposit Online 9M (Interest at Maturity)",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "personal eligibility inferred: the bank's feed tags every term deposit business-only"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/9M_Online",
      "source_snapshot": "/au/finance/term-deposits/v1/source/hume-bank/9M_Online.json",
      "product_url": "https://www.humebank.com.au/savings/term-deposits/",
      "bank_last_updated": "2026-09-17T20:46:56.000+10:00"
     },
     {
      "rank": 12,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     },
     {
      "rank": 13,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 14,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 15,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 16,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "6 Month Fixed Term Business Term Deposit",
      "product_label": "6 Month Fixed Term Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/6MTH_BUSINESS_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/6MTH_BUSINESS_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-11T13:50:32.000+10:00"
     },
     {
      "rank": 17,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 9 mths",
      "product_label": "Business Term Deposit 9 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/249",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/249.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 18,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 499999.0,
      "deposit_min": 100000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 19,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Business Investment Account",
      "product_label": "Business Investment Account",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 1.0,
      "tier_max": 1999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an eligible transaction account in the same business name",
       "In the case of domestic businesses (e.g. a sole trader, company, etc.) have an ABN and/or ACN as applicable",
       "In the case of foreign companies that carry on business in Australia, be registered with ASIC. The eligibility of other foreign companies will be subject to re…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/5669534e63ea45d0b9c0b58ead071748",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/5669534e63ea45d0b9c0b58ead071748.json",
      "product_url": "https://www.commbank.com.au/business/investments/business-investment-account.html",
      "bank_last_updated": "2026-10-02T16:00:57.000Z"
     },
     {
      "rank": 20,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": 245,
      "term_days_max": 274,
      "term_raw": "P274D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 21,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 22,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 23,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 24,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 25,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 26,
      "brand": "SWSbank",
      "brand_label": "SWS Bank",
      "brand_slug": "swsbank",
      "product_name": "9 Month Term Deposit",
      "product_label": "9 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 9999999.0,
      "deposit_min": 50000.0,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/I3_TD_9Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/swsbank/I3_TD_9Months.json",
      "product_url": "https://swscu.apply-online.com.au/#/3e8f1c2b-4724-4a65-b5d0-2d7eaf64b99b",
      "bank_last_updated": "2026-05-11T16:53:22.000+10:00"
     },
     {
      "rank": 27,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 9,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 28,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "6-11 months >$25K",
      "product_label": "6-11 Months >$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.031,
      "rate_pct": 3.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 25000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_4.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     }
    ],
    "10": [
     {
      "rank": 1,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 2,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": 280,
      "term_days_max": 310,
      "term_raw": "P310D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 9999999.0,
      "deposit_min": 49999.01,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 3,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     },
     {
      "rank": 4,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 5,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0505,
      "rate_pct": 5.05,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 6,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "6 Month Fixed Term Business Term Deposit",
      "product_label": "6 Month Fixed Term Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/6MTH_BUSINESS_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/6MTH_BUSINESS_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-11T13:50:32.000+10:00"
     },
     {
      "rank": 7,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 499999.0,
      "deposit_min": 100000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 8,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Business Investment Account",
      "product_label": "Business Investment Account",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 1.0,
      "tier_max": 1999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an eligible transaction account in the same business name",
       "In the case of domestic businesses (e.g. a sole trader, company, etc.) have an ABN and/or ACN as applicable",
       "In the case of foreign companies that carry on business in Australia, be registered with ASIC. The eligibility of other foreign companies will be subject to re…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/5669534e63ea45d0b9c0b58ead071748",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/5669534e63ea45d0b9c0b58ead071748.json",
      "product_url": "https://www.commbank.com.au/business/investments/business-investment-account.html",
      "bank_last_updated": "2026-10-02T16:00:57.000Z"
     },
     {
      "rank": 9,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": 275,
      "term_days_max": 305,
      "term_raw": "P305D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 10,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 11,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 12,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 13,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P9M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 14,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 15,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 16,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 17,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "6-11 months >$25K",
      "product_label": "6-11 Months >$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.031,
      "rate_pct": 3.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 25000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_4.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 18,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 10 Months",
      "product_label": "Package TD 10 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.012,
      "rate_pct": 1.2,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 10,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/31",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/31.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "11": [
     {
      "rank": 1,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 311,
      "term_days_max": 341,
      "term_raw": "P341D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 9999999.0,
      "deposit_min": 49999.01,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 2,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     },
     {
      "rank": 3,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 4,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 5,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": 330,
      "term_days_min": 330,
      "term_days_max": 330,
      "term_raw": "P330D",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 6,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 7,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "6 Month Fixed Term Business Term Deposit",
      "product_label": "6 Month Fixed Term Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.049,
      "rate_pct": 4.9,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/6MTH_BUSINESS_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/6MTH_BUSINESS_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-11T13:50:32.000+10:00"
     },
     {
      "rank": 8,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 499999.0,
      "deposit_min": 100000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 9,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 10,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Business Investment Account",
      "product_label": "Business Investment Account",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 1.0,
      "tier_max": 1999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an eligible transaction account in the same business name",
       "In the case of domestic businesses (e.g. a sole trader, company, etc.) have an ABN and/or ACN as applicable",
       "In the case of foreign companies that carry on business in Australia, be registered with ASIC. The eligibility of other foreign companies will be subject to re…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/5669534e63ea45d0b9c0b58ead071748",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/5669534e63ea45d0b9c0b58ead071748.json",
      "product_url": "https://www.commbank.com.au/business/investments/business-investment-account.html",
      "bank_last_updated": "2026-10-02T16:00:57.000Z"
     },
     {
      "rank": 11,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0395,
      "rate_pct": 3.95,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": 306,
      "term_days_max": 335,
      "term_raw": "P335D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 12,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 13,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0385,
      "rate_pct": 3.85,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 14,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 15,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 16,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0375,
      "rate_pct": 3.75,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 17,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.037,
      "rate_pct": 3.7,
      "interest_paid": "at_maturity",
      "term_months": 10,
      "term_min_months": 10,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P10M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 18,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "6-11 months >$25K",
      "product_label": "6-11 Months >$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.031,
      "rate_pct": 3.1,
      "interest_paid": "at_maturity",
      "term_months": 6,
      "term_min_months": 6,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 25000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_4",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_4.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 19,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 11 Months",
      "product_label": "Package TD 11 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.012,
      "rate_pct": 1.2,
      "interest_paid": "at_maturity",
      "term_months": 11,
      "term_min_months": 11,
      "term_max_months": 11,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P11M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/32",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/32.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "12": [
     {
      "rank": 1,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 12 Months",
      "product_label": "Package TD 12 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.056,
      "rate_pct": 5.6,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/33",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/33.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-10-01T00:00:32.1421029Z"
     },
     {
      "rank": 2,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0555,
      "rate_pct": 5.55,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 3,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Broker Term Deposit - Business",
      "product_label": "Broker Term Deposit - Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0555,
      "rate_pct": 5.55,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 2000000.0,
      "deposit_min": 10000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This account is available via Australian Money Market.",
       "available via broker or intermediary",
       "Minimum deposit for new customer is $10K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD04.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD04.1.json",
      "product_url": "https://www.heartlandbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-30T03:58:22Z"
     },
     {
      "rank": 4,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 12 months",
      "product_label": "Term Deposit 12 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.055,
      "rate_pct": 5.5,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/644d03e6-be3c-4d25-a6d3-31f3467b5dd9",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/644d03e6-be3c-4d25-a6d3-31f3467b5dd9.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=212",
      "bank_last_updated": "2026-09-14T22:00:23.894Z"
     },
     {
      "rank": 5,
      "brand": "Bank First",
      "brand_label": "Bank First",
      "brand_slug": "bank-first",
      "product_name": "Preschool Long Service Leave 1 Year Term Deposit",
      "product_label": "Preschool Long Service Leave 1 Year Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.055,
      "rate_pct": 5.5,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": 365,
      "term_days_min": 365,
      "term_days_max": 365,
      "term_raw": "P365D",
      "min_balance": null,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": null,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only available to school accounts that hold a membership",
       "loyalty bonus on rollover"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/01b75f79-4873-4db3-9773-d79095a3426d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/01b75f79-4873-4db3-9773-d79095a3426d.json",
      "product_url": "https://www.bankfirst.com.au/bank-accounts/preschool-accounts/save/long-service-and-sick-leave-term-deposit",
      "bank_last_updated": "2026-09-16T23:03:49.305641Z"
     },
     {
      "rank": 6,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 7,
      "brand": "AMP Bank GO",
      "brand_label": "AMP Bank GO",
      "brand_slug": "amp-bank-go",
      "product_name": "AMP Bank GO 12 Month Business Term Deposit",
      "product_label": "12 Month Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Customers must have an active AMP Bank GO Everyday Business Account in order to open an AMP Bank GO Business Term Deposit: Linked Business Transaction Account"
      ],
      "stacked_bonus": null,
      "source_url": "https://pub.cdr-sme.amp.com.au/api/cds-au/v1/banking/products/5c92f5a9-c90c-4dc1-a4ea-1d164146f575",
      "source_snapshot": "/au/finance/term-deposits/v1/source/amp-bank-go/5c92f5a9-c90c-4dc1-a4ea-1d164146f575.json",
      "product_url": "https://www.amp.com.au/business-banking/small-business-everyday-money",
      "bank_last_updated": "2026-09-28T00:25:45.934Z"
     },
     {
      "rank": 8,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 9,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 10,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only.",
       "linked account required",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 11,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only.",
       "linked account required",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 12,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…",
       "Special rate for personal or SMSF customers only. Available on balances from $5,000 to $5,000,000 with interest paid annually."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 13,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": 336,
      "term_days_max": 365,
      "term_raw": "P365D",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 14,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 15,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 16,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only.",
       "linked account required",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 17,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online only",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 18,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": 342,
      "term_days_max": 370,
      "term_raw": "P370D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 9999999.0,
      "deposit_min": 49999.01,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 19,
      "brand": "BNK Bank (Goldfields Money/BCHL)",
      "brand_label": "BNK Bank",
      "brand_slug": "bnk-bank-goldfields-money-bchl",
      "product_name": "Stow It Term Deposit Account",
      "product_label": "Stow It Term Deposit Account",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bnk.com.au/cds-au/v1/banking/products/1006",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
      "product_url": null,
      "bank_last_updated": "2026-07-19T20:00:00.747169Z"
     },
     {
      "rank": 20,
      "brand": "Hume Bank",
      "brand_label": "Hume Bank",
      "brand_slug": "hume-bank",
      "product_name": "Term Deposit 12M (Interest at Maturity)",
      "product_label": "Term Deposit 12M (Interest at Maturity)",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "personal eligibility inferred: the bank's feed tags every term deposit business-only"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/I1_12M",
      "source_snapshot": "/au/finance/term-deposits/v1/source/hume-bank/I1_12M.json",
      "product_url": "https://www.humebank.com.au/savings/term-deposits/",
      "bank_last_updated": "2026-09-17T20:48:05.000+10:00"
     },
     {
      "rank": 21,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     },
     {
      "rank": 22,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 12 Mth Capitalise",
      "product_label": "INV - 12 Mth Capitalise",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 200000.0,
      "tier_max": null,
      "deposit_min": 200000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/17",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/17.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-09-28T12:00:30.9399881Z"
     },
     {
      "rank": 23,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit 12 mths",
      "product_label": "Business Term Deposit 12 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/250",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/250.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 24,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 25,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 26,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "Limited Offer 12 months",
      "product_label": "Limited Offer 12 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I2_12",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I2_12.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:45:48.000+10:00"
     },
     {
      "rank": 27,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "12 MTH FIXED TERM BUSINESS",
      "product_label": "12 Mth Fixed Term Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/12MTH_BUSINESS_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/12MTH_BUSINESS_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-07-01T10:31:25.000+10:00"
     },
     {
      "rank": 28,
      "brand": "The Capricornian",
      "brand_label": "The Capricornian",
      "brand_slug": "the-capricornian",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": 250000.0,
      "tier_min": 5000.0,
      "tier_max": 250000.0,
      "deposit_min": 5000.0,
      "deposit_max": 250000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to individuals, companies and trust for personal or business use.",
       "Is currently, or wishes to become, a shareholding member of The Capricornian Ltd."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/4ecba156-6b32-420b-8946-3f32b7a0504f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-capricornian/4ecba156-6b32-420b-8946-3f32b7a0504f.json",
      "product_url": "https://www.capricornian.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-10-02T02:31:03.752887Z"
     },
     {
      "rank": 29,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 30,
      "brand": "SWSbank",
      "brand_label": "SWS Bank",
      "brand_slug": "swsbank",
      "product_name": "12 Month Term Deposit",
      "product_label": "12 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 9999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 9999999.99,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/I4_TD_12Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/swsbank/I4_TD_12Months.json",
      "product_url": "https://swscu.apply-online.com.au/#/3e8f1c2b-4724-4a65-b5d0-2d7eaf64b99b",
      "bank_last_updated": "2026-05-11T16:55:24.000+10:00"
     },
     {
      "rank": 31,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 9,
      "term_min_months": 9,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 499999.0,
      "deposit_min": 100000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 32,
      "brand": "Fire Service Credit Union",
      "brand_label": "Fire Service Credit Union",
      "brand_slug": "fire-service-credit-union",
      "product_name": "I12 FTD 12 Months",
      "product_label": "I12 FTD 12 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0405,
      "rate_pct": 4.05,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 12,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/15",
      "source_snapshot": "/au/finance/term-deposits/v1/source/fire-service-credit-union/15.json",
      "product_url": "https://www.fscu.com.au/accounts/term-deposits/",
      "bank_last_updated": "2026-05-20T04:00:33.3305724Z"
     }
    ],
    "18": [
     {
      "rank": 1,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 2,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "Limited Offer 18 months",
      "product_label": "Limited Offer 18 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I2_18",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I2_18.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:45:48.000+10:00"
     },
     {
      "rank": 3,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P1Y6M",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 4,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 5,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Business Investment Account",
      "product_label": "Business Investment Account",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P12M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 1.0,
      "tier_max": 1999999.99,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an eligible transaction account in the same business name",
       "In the case of domestic businesses (e.g. a sole trader, company, etc.) have an ABN and/or ACN as applicable",
       "In the case of foreign companies that carry on business in Australia, be registered with ASIC. The eligibility of other foreign companies will be subject to re…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/5669534e63ea45d0b9c0b58ead071748",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/5669534e63ea45d0b9c0b58ead071748.json",
      "product_url": "https://www.commbank.com.au/business/investments/business-investment-account.html",
      "bank_last_updated": "2026-10-02T16:00:57.000Z"
     },
     {
      "rank": 6,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 7,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0485,
      "rate_pct": 4.85,
      "interest_paid": "at_maturity",
      "term_months": 13,
      "term_min_months": 13,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P23M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 8,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "half_yearly",
      "term_months": 13,
      "term_min_months": 13,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P13M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 9,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "half_yearly",
      "term_months": 13,
      "term_min_months": 13,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P13M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 10,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "half_yearly",
      "term_months": 13,
      "term_min_months": 13,
      "term_max_months": 23,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P13M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 11,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.039,
      "rate_pct": 3.9,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": 518,
      "term_days_max": 549,
      "term_raw": "P549D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 9999999.0,
      "deposit_min": 49999.01,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 12,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 18 months",
      "product_label": "Term Deposit 18 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0355,
      "rate_pct": 3.55,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/3d455cd8-7fed-4849-a85a-dee559f127e6",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/3d455cd8-7fed-4849-a85a-dee559f127e6.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=213",
      "bank_last_updated": "2026-06-24T05:52:03.943Z"
     },
     {
      "rank": 13,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.035,
      "rate_pct": 3.5,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 14,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 499999.0,
      "deposit_min": 100000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 15,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Online Term Deposit (Business)",
      "product_label": "Online Term Deposit (Business)",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0335,
      "rate_pct": 3.35,
      "interest_paid": "half_yearly",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 100000.01,
      "tier_max": 250000.0,
      "deposit_min": 100000.01,
      "deposit_max": 250000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "New customers are required to open and maintain a High Interest Savings Account (HISA) which is a variable rate at-call savings account which does not charge f…",
       "The business must be an active non-financial entity.",
       "The business must have an Australian bank account in its name with another financial institution.",
       "loyalty bonus on rollover"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/32a7317d-b86e-4510-af9b-d67260de9507",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/32a7317d-b86e-4510-af9b-d67260de9507.json",
      "product_url": "https://myapplication.rabobank.com.au/apply?CONT=AU&PID=TERMDEP",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 16,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 18 Months",
      "product_label": "Package TD 18 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0075,
      "rate_pct": 0.75,
      "interest_paid": "at_maturity",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 18,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/35",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/35.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "24": [
     {
      "rank": 1,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 2,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 24 months",
      "product_label": "Term Deposit 24 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 1000000.0,
      "deposit_min": 500.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/f69c781b-9809-4a83-bca8-310bd16461a9",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/f69c781b-9809-4a83-bca8-310bd16461a9.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=214",
      "bank_last_updated": "2026-09-21T22:00:26.182Z"
     },
     {
      "rank": 3,
      "brand": "ING BANK (Australia) Ltd",
      "brand_label": "ING",
      "brand_slug": "ing-bank-australia-ltd",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0535,
      "rate_pct": 5.35,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 10000.0,
      "max_balance": 10000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 10000.0,
      "deposit_max": 10000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You need to nominate between one and four authorised users to operate your Business Term Deposit. They must be an Australian resident for taxation purposes.",
       "You must be an account holder using the product for business purposes or with a Self-Managed Super Fund (SMSF).",
       "The account cannot be used by bare/informal trusts, public companies, unincorporated associations, or a statutory account."
      ],
      "stacked_bonus": null,
      "source_url": "https://id.ob.ing.com.au/cds-au/v1/banking/products/544ca08a-57ec-45a3-85ef-0a398646795a",
      "source_snapshot": "/au/finance/term-deposits/v1/source/ing-bank-australia-ltd/544ca08a-57ec-45a3-85ef-0a398646795a.json",
      "product_url": "https://www.ing.com.au/business/term-deposit.html",
      "bank_last_updated": "2026-09-17T14:00:00.000Z"
     },
     {
      "rank": 4,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 5,
      "brand": "Defence Bank",
      "brand_label": "Defence Bank",
      "brand_slug": "defence-bank",
      "product_name": "Business Term Deposit  24 mths",
      "product_label": "Business Term Deposit 24 Mths",
      "segment": "business",
      "segments": [
       "smsf",
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 2000.0,
      "max_balance": 1000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 2000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/228",
      "source_snapshot": "/au/finance/term-deposits/v1/source/defence-bank/228.json",
      "product_url": "https://join.defencebank.com.au",
      "bank_last_updated": "2026-07-08T00:00:00.000+10:00"
     },
     {
      "rank": 6,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 7,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 33,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 8,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Broker Term Deposit - Business",
      "product_label": "Broker Term Deposit - Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 2000000.0,
      "deposit_min": 10000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "This account is available via Australian Money Market.",
       "available via broker or intermediary",
       "Minimum deposit for new customer is $10K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD04.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD04.1.json",
      "product_url": "https://www.heartlandbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-30T03:58:22Z"
     },
     {
      "rank": 9,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 10,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 19,
      "term_min_months": 19,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": 550,
      "term_days_max": 730,
      "term_raw": "P730D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 9999999.0,
      "deposit_min": 49999.01,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 11,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     },
     {
      "rank": 12,
      "brand": "Hume Bank",
      "brand_label": "Hume Bank",
      "brand_slug": "hume-bank",
      "product_name": "Term Deposit Online 24M (Paid annually or at Maturity)",
      "product_label": "Term Deposit Online 24M (Paid Annually or at Maturity)",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "personal eligibility inferred: the bank's feed tags every term deposit business-only"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/24M_Online",
      "source_snapshot": "/au/finance/term-deposits/v1/source/hume-bank/24M_Online.json",
      "product_url": "https://www.humebank.com.au/savings/term-deposits/",
      "bank_last_updated": "2026-09-17T20:46:56.000+10:00"
     },
     {
      "rank": 13,
      "brand": "The Capricornian",
      "brand_label": "The Capricornian",
      "brand_slug": "the-capricornian",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": 250000.0,
      "tier_min": 5000.0,
      "tier_max": 250000.0,
      "deposit_min": 5000.0,
      "deposit_max": 250000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available to individuals, companies and trust for personal or business use.",
       "Is currently, or wishes to become, a shareholding member of The Capricornian Ltd."
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/4ecba156-6b32-420b-8946-3f32b7a0504f",
      "source_snapshot": "/au/finance/term-deposits/v1/source/the-capricornian/4ecba156-6b32-420b-8946-3f32b7a0504f.json",
      "product_url": "https://www.capricornian.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-10-02T02:31:03.752887Z"
     },
     {
      "rank": 14,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 15,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.05,
      "rate_pct": 5.0,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 16,
      "brand": "SWSbank",
      "brand_label": "SWS Bank",
      "brand_slug": "swsbank",
      "product_name": "24 Month Term Deposit",
      "product_label": "24 Month Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.048,
      "rate_pct": 4.8,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 9999999.0,
      "deposit_min": 50000.0,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://online.swsbank.com.au/openbanking/cds-au/v1/banking/products/I6_TD_24Months",
      "source_snapshot": "/au/finance/term-deposits/v1/source/swsbank/I6_TD_24Months.json",
      "product_url": "https://swscu.apply-online.com.au/#/3e8f1c2b-4724-4a65-b5d0-2d7eaf64b99b",
      "bank_last_updated": "2026-06-10T16:59:42.000+10:00"
     },
     {
      "rank": 17,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P18M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 18,
      "brand": "Southern Cross Credit Union",
      "brand_label": "Southern Cross Credit Union",
      "brand_slug": "southern-cross-credit-union",
      "product_name": "BUSINESS TERM DEPOSIT",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.047,
      "rate_pct": 4.7,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 2000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
      "source_snapshot": "/au/finance/term-deposits/v1/source/southern-cross-credit-union/BUSINESS_TERM_DEPOSIT.json",
      "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
      "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
     },
     {
      "rank": 19,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 24 Mth Trf 12 Mthly",
      "product_label": "INV - 24 Mth Trf 12 Mthly",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.046,
      "rate_pct": 4.6,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 200000.0,
      "tier_max": null,
      "deposit_min": 200000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/23",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/23.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-03-23T12:00:30.9673694Z"
     },
     {
      "rank": 20,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.046,
      "rate_pct": 4.6,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P35M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 21,
      "brand": "First Option Bank",
      "brand_label": "First Option Bank",
      "brand_slug": "first-option-bank",
      "product_name": "24 Month Business Fixed Term Deposit",
      "product_label": "24 Month Business Fixed Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0455,
      "rate_pct": 4.55,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": 9999999.0,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://internetbanking.firstoption.com.au/OpenBanking/cds-au/v1/banking/products/24MTH_BUSINESS_TERM",
      "source_snapshot": "/au/finance/term-deposits/v1/source/first-option-bank/24MTH_BUSINESS_TERM.json",
      "product_url": "https://firstoptionbank.com.au/term-deposit-application/",
      "bank_last_updated": "2026-06-04T12:33:33.000+10:00"
     },
     {
      "rank": 22,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 23,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 24,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 35,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 25,
      "brand": "bankWAW",
      "brand_label": "BankWAW",
      "brand_slug": "bankwaw",
      "product_name": "18-24 months >$25K",
      "product_label": "18-24 Months >$25K",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.036,
      "rate_pct": 3.6,
      "interest_paid": "annually",
      "term_months": 18,
      "term_min_months": 18,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 25000.0,
      "max_balance": null,
      "tier_min": 25000.0,
      "tier_max": 1000000.0,
      "deposit_min": 25000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://onlinebanking.wawcu.com.au/OpenBanking/cds-au/v1/banking/products/I3_8",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bankwaw/I3_8.json",
      "product_url": "https://www.bankwaw.com.au/Links/Apply?type=invest&topic=Term%20Deposits",
      "bank_last_updated": "2026-05-18T07:52:18.000+10:00"
     },
     {
      "rank": 26,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.034,
      "rate_pct": 3.4,
      "interest_paid": "at_maturity",
      "term_months": 12,
      "term_min_months": 12,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 499999.0,
      "deposit_min": 100000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 27,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 28,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 24 Months",
      "product_label": "Package TD 24 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.017,
      "rate_pct": 1.7,
      "interest_paid": "at_maturity",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 24,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/37",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/37.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "36": [
     {
      "rank": 1,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0545,
      "rate_pct": 5.45,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 2,
      "brand": "Bank Australia",
      "brand_label": "Bank Australia",
      "brand_slug": "bank-australia",
      "product_name": "Term Deposit 36 months",
      "product_label": "Term Deposit 36 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 500.0,
      "max_balance": null,
      "tier_min": 500.0,
      "tier_max": 3000000.0,
      "deposit_min": 500.0,
      "deposit_max": 3000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.bankaust.com.au/cds-au/v1/banking/products/a75b54b7-3278-4fba-95d9-9cc143471b8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-australia/a75b54b7-3278-4fba-95d9-9cc143471b8d.json",
      "product_url": "https://join.bankaust.com.au/#/welcome?productcode=285",
      "bank_last_updated": "2026-09-21T22:00:24.424Z"
     },
     {
      "rank": 3,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P2Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 4,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.0515,
      "rate_pct": 5.15,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 5,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 6,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Term Deposit - Business",
      "product_label": "Term Deposit - Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 100000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To open an account, at least one of your account signatories must have a valid email address and an Australian mobile number.",
       "Minimum deposit for new customer is $100K.Minimum deposit for existing customer is $5K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD02.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD02.1.json",
      "product_url": "https://www.heartlandbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-29T06:15:12Z"
     },
     {
      "rank": 7,
      "brand": "Hume Bank",
      "brand_label": "Hume Bank",
      "brand_slug": "hume-bank",
      "product_name": "Term Deposit Online 36M (Paid Annually or at Maturity)",
      "product_label": "Term Deposit Online 36M (Paid Annually or at Maturity)",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0475,
      "rate_pct": 4.75,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "personal eligibility inferred: the bank's feed tags every term deposit business-only"
      ],
      "stacked_bonus": null,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/36M_Online",
      "source_snapshot": "/au/finance/term-deposits/v1/source/hume-bank/36M_Online.json",
      "product_url": "https://www.humebank.com.au/savings/term-deposits/",
      "bank_last_updated": "2026-09-17T20:46:56.000+10:00"
     },
     {
      "rank": 8,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.046,
      "rate_pct": 4.6,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 47,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 9,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P24M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 10,
      "brand": "Maitland Mutual Limited",
      "brand_label": "The Mutual Bank",
      "brand_slug": "maitland-mutual-limited",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.045,
      "rate_pct": 4.5,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": null,
      "tier_min": 1000.0,
      "tier_max": 499999.0,
      "deposit_min": 1000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbanking.themutual.com.au/OpenBanking/cds-au/v1/banking/products/Term_Deposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/maitland-mutual-limited/Term_Deposit.json",
      "product_url": "https://www.themutual.com.au/bank-save/investments/term-deposit/",
      "bank_last_updated": "2026-10-01T21:35:58.000+10:00"
     },
     {
      "rank": 11,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "12 MONTHLY INT TERM DEP",
      "product_label": "12 Monthly Int Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0425,
      "rate_pct": 4.25,
      "interest_paid": "annually",
      "term_months": 35,
      "term_min_months": 35,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": 1065,
      "term_days_max": 1095,
      "term_raw": "P1095D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 9999999.0,
      "deposit_min": 49999.01,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d25ba6e3-fbda-4c0a-8a10-c81241b8e013",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d25ba6e3-fbda-4c0a-8a10-c81241b8e013.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-05-07T08:56:35.000+10:00"
     },
     {
      "rank": 12,
      "brand": "MyState Bank",
      "brand_label": "MyState Bank",
      "brand_slug": "mystate-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0425,
      "rate_pct": 4.25,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
      "source_snapshot": "/au/finance/term-deposits/v1/source/mystate-bank/9b1d0464-3fef-417b-824c-ca9a025d9dbd.json",
      "product_url": "https://mystate.com.au/business/savings-investments/term-deposit/",
      "bank_last_updated": "2026-09-28T20:00:00.350904Z"
     },
     {
      "rank": 13,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 47,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P47M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 14,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 47,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 15,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 47,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 16,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 47,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 17,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 18,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 36 Mth Trf 12 Mthly",
      "product_label": "INV - 36 Mth Trf 12 Mthly",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 200000.0,
      "tier_max": null,
      "deposit_min": 200000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/25",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/25.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-03-23T12:00:30.9673694Z"
     },
     {
      "rank": 19,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "annually",
      "term_months": 24,
      "term_min_months": 24,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 499999.0,
      "deposit_min": 100000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 20,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 21,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 36 Months",
      "product_label": "Package TD 36 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.017,
      "rate_pct": 1.7,
      "interest_paid": "at_maturity",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 36,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/38",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/38.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "48": [
     {
      "rank": 1,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.055,
      "rate_pct": 5.5,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 2,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P3Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 3,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Term Deposit - Business",
      "product_label": "Term Deposit - Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 100000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To open an account, at least one of your account signatories must have a valid email address and an Australian mobile number.",
       "Minimum deposit for new customer is $100K.Minimum deposit for existing customer is $5K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD02.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD02.1.json",
      "product_url": "https://www.heartlandbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-29T06:15:12Z"
     },
     {
      "rank": 4,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.052,
      "rate_pct": 5.2,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 5,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.051,
      "rate_pct": 5.1,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 6,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 59,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P59M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 7,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 59,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 8,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 59,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 9,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 59,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 10,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 59,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 11,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 12,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 48-60 Mth Trf 12 Mthly",
      "product_label": "INV - 48-60 Mth Trf 12 Mthly",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 200000.0,
      "tier_max": null,
      "deposit_min": 200000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/13",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/13.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-03-23T12:00:30.9673694Z"
     },
     {
      "rank": 13,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.033,
      "rate_pct": 3.3,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 499999.0,
      "deposit_min": 100000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 14,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 37,
      "term_min_months": 37,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": 1096,
      "term_days_max": 1460,
      "term_raw": "P1460D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 9999999.0,
      "deposit_min": 49999.01,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 15,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.031,
      "rate_pct": 3.1,
      "interest_paid": "annually",
      "term_months": 36,
      "term_min_months": 36,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P36M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 16,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 17,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 48 Months",
      "product_label": "Package TD 48 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0075,
      "rate_pct": 0.75,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 48,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/39",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/39.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ],
    "60": [
     {
      "rank": 1,
      "brand": "Judo Bank",
      "brand_label": "Judo Bank",
      "brand_slug": "judo-bank",
      "product_name": "Business Term Deposits",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.055,
      "rate_pct": 5.5,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Only the following business entities are eligible to apply online: Private Company - Provide an ABN -Maximum number of directors is 9 -Shareholders must be ind…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.open.judo.bank/cds-au/v1/banking/products/19c28155-27cb-4daf-88f4-067e28d37bus",
      "source_snapshot": "/au/finance/term-deposits/v1/source/judo-bank/19c28155-27cb-4daf-88f4-067e28d37bus.json",
      "product_url": "https://www.judo.bank/term-deposits-business",
      "bank_last_updated": "2026-09-15T23:59:29.479346Z"
     },
     {
      "rank": 2,
      "brand": "Alex.Bank",
      "brand_label": "Alex.Bank",
      "brand_slug": "alex-bank",
      "product_name": "Term Deposit - Intermediary",
      "product_label": "Term Deposit - Intermediary",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.054,
      "rate_pct": 5.4,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 10000.0,
      "max_balance": null,
      "tier_min": 10000.0,
      "tier_max": 500000.0,
      "deposit_min": 10000.0,
      "deposit_max": 500000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
       "Origination via accredited deposit intermediaries only: Channel",
       "available via broker or intermediary"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.alex.com.au/cds-au/v1/banking/products/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
      "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
      "bank_last_updated": "2026-09-29T14:01:09Z"
     },
     {
      "rank": 3,
      "brand": "Heartland",
      "brand_label": "Heartland",
      "brand_slug": "heartland",
      "product_name": "Term Deposit - Business",
      "product_label": "Term Deposit - Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 100000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "To open an account, at least one of your account signatories must have a valid email address and an Australian mobile number.",
       "Minimum deposit for new customer is $100K.Minimum deposit for existing customer is $5K."
      ],
      "stacked_bonus": null,
      "source_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD02.1",
      "source_snapshot": "/au/finance/term-deposits/v1/source/heartland/TD02.1.json",
      "product_url": "https://www.heartlandbank.com.au/term-deposits",
      "bank_last_updated": "2026-09-29T06:15:12Z"
     },
     {
      "rank": 4,
      "brand": "Rabobank",
      "brand_label": "Rabobank",
      "brand_slug": "rabobank",
      "product_name": "Rural Term Deposit",
      "product_label": "Rural Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.053,
      "rate_pct": 5.3,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P5Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 50000.0,
      "tier_max": 1999999.99,
      "deposit_min": 50000.0,
      "deposit_max": 1999999.99,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Available for individuals (including Joint applicants), Businesses (including companies and partnerships), Trusts and Self-Managed Superannuation Funds and oth…"
      ],
      "stacked_bonus": null,
      "source_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2a3e2af9-c06b-410d-a62e-11861dba1bef",
      "source_snapshot": "/au/finance/term-deposits/v1/source/rabobank/2a3e2af9-c06b-410d-a62e-11861dba1bef.json",
      "product_url": "https://www.rabobank.com.au/banking/deposits#term-deposits",
      "bank_last_updated": "2026-09-15T00:45:13Z"
     },
     {
      "rank": 5,
      "brand": "People First and Heritage Bank",
      "brand_label": "People First Bank / Heritage Bank",
      "brand_slug": "people-first-and-heritage-bank",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.0525,
      "rate_pct": 5.25,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P4Y",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/people-first-and-heritage-bank/78e74a3d-0266-49ea-9aa7-cb406845da8d.json",
      "product_url": "https://www.peoplefirstbank.com.au/banking/term-deposit",
      "bank_last_updated": "2026-09-22T14:35:22.683Z"
     },
     {
      "rank": 6,
      "brand": "Westpac",
      "brand_label": "Westpac",
      "brand_slug": "westpac",
      "product_name": "Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.041,
      "rate_pct": 4.1,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": 2000000.0,
      "tier_min": 5000.0,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": 2000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [
       "Personal customers of all ages. If the Account Holder is under 14, the account must be opened by an adult authorised signatory. Account Holders under 12 are no…",
       "Online Application - To open a Term Deposit online, you need to be an Existing customer with a Westpac Choice account, Individual or sole trader.",
       "online bonus: open or renew online"
      ],
      "stacked_bonus": 0.001,
      "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
      "product_url": "https://www.westpac.com.au/bank-accounts/term-deposit",
      "bank_last_updated": "2026-09-21T00:44:33Z"
     },
     {
      "rank": 7,
      "brand": "Bank of Melbourne",
      "brand_label": "Bank of Melbourne",
      "brand_slug": "bank-of-melbourne",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing Bank of Melbourne banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
      "product_url": "https://www.bankofmelbourne.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 8,
      "brand": "BankSA",
      "brand_label": "BankSA",
      "brand_slug": "banksa",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing BankSA banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.banksa.com.au/cds-au/v1/banking/products/BSATDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDBusTermDeposit.json",
      "product_url": "https://www.banksa.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 9,
      "brand": "St.George Bank",
      "brand_label": "St.George Bank",
      "brand_slug": "st-george-bank",
      "product_name": "Business Term Deposit",
      "product_label": "Business Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 1000.0,
      "max_balance": 2000000.0,
      "tier_min": 1000.0,
      "tier_max": null,
      "deposit_min": 1000.0,
      "deposit_max": 2000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "You must be an existing St.George banking customer",
       "Online application and online bonus rate available for personal customers and sole traders only."
      ],
      "stacked_bonus": null,
      "source_url": "https://digital-api.stgeorge.com.au/cds-au/v1/banking/products/STGTDBusTermDeposit",
      "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
      "product_url": "https://www.stgeorge.com.au/business/bank-accounts/fixed-term-deposit",
      "bank_last_updated": "2026-09-21T00:57:09Z"
     },
     {
      "rank": 10,
      "brand": "CommBank",
      "brand_label": "CommBank",
      "brand_slug": "commbank",
      "product_name": "Standard Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "smsf",
       "business"
      ],
      "rate": 0.04,
      "rate_pct": 4.0,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": null,
      "deposit_min": 100000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Have an Australian residential address, or otherwise subject to exception.",
       "A domestic business, e.g. a sole trader, partnership, company, trust, with an ABN or ACN: Be one of the following entity types, with at least one signatory age…",
       "A foreign company that carries on business in Australia, and is registered with ASIC; or owns property in Australia, but does not carry on a business in Austra…",
       "A trust, superannuation fund, association, registered co-operative, body corporate or government body: Be one of the following entity types, with at least one…"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/523f5c6a7e5b46e78a533e3272faeb97",
      "source_snapshot": "/au/finance/term-deposits/v1/source/commbank/523f5c6a7e5b46e78a533e3272faeb97.json",
      "product_url": "https://www.commbank.com.au/banking/term-deposits.html#apply",
      "bank_last_updated": "2026-10-02T22:00:23.000Z"
     },
     {
      "rank": 11,
      "brand": "NATIONAL AUSTRALIA BANK",
      "brand_label": "NAB",
      "brand_slug": "national-australia-bank",
      "product_name": "NAB Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.038,
      "rate_pct": 3.8,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 5000.0,
      "tier_max": 1999999.0,
      "deposit_min": 5000.0,
      "deposit_max": 1999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://openbank.api.nab.com.au/cds-au/v1/banking/products/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3",
      "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
      "product_url": "https://www.nab.com.au/personal/bank-accounts/nab-term-deposit",
      "bank_last_updated": "2026-09-20T14:00:01Z"
     },
     {
      "rank": 12,
      "brand": "Beyond Bank Australia",
      "brand_label": "Beyond Bank Australia",
      "brand_slug": "beyond-bank-australia",
      "product_name": "INV - 48-60 Mth Trf 12 Mthly",
      "product_label": "INV - 48-60 Mth Trf 12 Mthly",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0365,
      "rate_pct": 3.65,
      "interest_paid": "at_maturity",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 2000.0,
      "max_balance": 5000000.0,
      "tier_min": 200000.0,
      "tier_max": null,
      "deposit_min": 200000.0,
      "deposit_max": 5000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Membership: You must be or become a Beyond Bank Australia member"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/13",
      "source_snapshot": "/au/finance/term-deposits/v1/source/beyond-bank-australia/13.json",
      "product_url": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "bank_last_updated": "2026-03-23T12:00:30.9673694Z"
     },
     {
      "rank": 13,
      "brand": "Auswide Bank Ltd",
      "brand_label": "Auswide Bank",
      "brand_slug": "auswide-bank-ltd",
      "product_name": "MATURITY TERM DEPOSIT",
      "product_label": "Maturity Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0325,
      "rate_pct": 3.25,
      "interest_paid": "at_maturity",
      "term_months": 50,
      "term_min_months": 50,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": 1491,
      "term_days_max": 1829,
      "term_raw": "P1829D",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": 49999.01,
      "tier_max": 9999999.0,
      "deposit_min": 49999.01,
      "deposit_max": 9999999.0,
      "is_special": false,
      "conditional": false,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://api.auswidebank.com.au/openbanking/cds-au/v1/banking/products/d408d092-bf79-4a72-8b78-ac41bd46c09d",
      "source_snapshot": "/au/finance/term-deposits/v1/source/auswide-bank-ltd/d408d092-bf79-4a72-8b78-ac41bd46c09d.json",
      "product_url": "https://apply.auswidebank.com.au/apply/#/apply/new/depositAccounts/productSelection",
      "bank_last_updated": "2026-09-29T09:04:27.000+10:00"
     },
     {
      "rank": 14,
      "brand": "Arab Bank Australia Limited",
      "brand_label": "Arab Bank Australia",
      "brand_slug": "arab-bank-australia-limited",
      "product_name": " Fixed Term Deposit: Business",
      "product_label": "Fixed Term Deposit: Business",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.032,
      "rate_pct": 3.2,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": null,
      "max_balance": null,
      "tier_min": 100000.0,
      "tier_max": 499999.0,
      "deposit_min": 100000.0,
      "deposit_max": 499999.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "• Available business customers. • Minimum opening balance $1. • Successful completion of applicable Arab Bank Australia Limited (ABAL) identification check req…"
      ],
      "stacked_bonus": null,
      "source_url": "https://public.cdr.arabbank.com.au/cds-au/v1/banking/products/TDBUS",
      "source_snapshot": "/au/finance/term-deposits/v1/source/arab-bank-australia-limited/TDBUS.json",
      "product_url": "https://www.arabbank.com.au/business/accounts/fixed-term-deposit",
      "bank_last_updated": "2026-08-18T05:40:35.097742Z"
     },
     {
      "rank": 15,
      "brand": "ANZ",
      "brand_label": "ANZ",
      "brand_slug": "anz",
      "product_name": "ANZ Business Notice Term Deposit",
      "product_label": "Business Notice Term Deposit",
      "segment": "business",
      "segments": [
       "business"
      ],
      "rate": 0.031,
      "rate_pct": 3.1,
      "interest_paid": "annually",
      "term_months": 48,
      "term_min_months": 48,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P48M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": null,
      "deposit_min": 5000.0,
      "deposit_max": null,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "advance notice product"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.anz/cds-au/v1/banking/products/4740c27d-eb72-375d-2d25-ad256ed37b1e",
      "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
      "product_url": "https://www.anz.com.au/business/accounts/savings-accounts/business-term-deposit/",
      "bank_last_updated": "2026-05-14T14:01:00.000Z"
     },
     {
      "rank": 16,
      "brand": "Macquarie Bank Limited",
      "brand_label": "Macquarie Bank",
      "brand_slug": "macquarie-bank-limited",
      "product_name": "Macquarie Term Deposit",
      "product_label": "Term Deposit",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.02,
      "rate_pct": 2.0,
      "interest_paid": "annually",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 5000.0,
      "max_balance": null,
      "tier_min": null,
      "tier_max": 1000000.0,
      "deposit_min": 5000.0,
      "deposit_max": 1000000.0,
      "is_special": false,
      "conditional": true,
      "conditions": [
       "Term deposit must be funded by Direct Debit.",
       "Available for Companies and Trusts.",
       "Must have an Australian mobile number.",
       "Must have an email address.",
       "For balances of 1 million dollars and under"
      ],
      "stacked_bonus": null,
      "source_url": "https://api.macquariebank.io/cds-au/v1/banking/products/TD001MBLTDA001",
      "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
      "product_url": "https://www.macquarie.com.au/everyday-banking/term-deposits.html",
      "bank_last_updated": "2026-09-15T00:01:00.001Z"
     },
     {
      "rank": 17,
      "brand": "Gateway Bank",
      "brand_label": "Gateway Bank",
      "brand_slug": "gateway-bank",
      "product_name": "Package TD 60 Months",
      "product_label": "Package TD 60 Months",
      "segment": "personal",
      "segments": [
       "personal",
       "business"
      ],
      "rate": 0.0075,
      "rate_pct": 0.75,
      "interest_paid": "at_maturity",
      "term_months": 60,
      "term_min_months": 60,
      "term_max_months": 60,
      "term_days": null,
      "term_days_min": null,
      "term_days_max": null,
      "term_raw": "P60M",
      "min_balance": 1000.0,
      "max_balance": 1000000.0,
      "tier_min": 1000.0,
      "tier_max": 1000000.0,
      "deposit_min": 1000.0,
      "deposit_max": 1000000.0,
      "is_special": true,
      "conditional": true,
      "conditions": [],
      "stacked_bonus": null,
      "source_url": "https://public.cdr-api.gatewaybank.com.au/cds-au/v1/banking/products/40",
      "source_snapshot": "/au/finance/term-deposits/v1/source/gateway-bank/40.json",
      "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "bank_last_updated": "2026-01-29T06:00:29.4924543Z"
     }
    ]
   }
  }
 },
 "brand_count": 116,
 "brands_with_rates": [
  "alex-bank",
  "amp-bank-go",
  "anz",
  "arab-bank-australia-limited",
  "australian-military-bank",
  "australian-mutual-bank-ltd",
  "auswide-bank-ltd",
  "bank-australia",
  "bank-first",
  "bank-of-china",
  "bank-of-melbourne",
  "bank-of-queensland-limited",
  "bank-of-us",
  "banksa",
  "bankvic",
  "bankwaw",
  "bankwest",
  "bcu-bank",
  "bendigo-bank",
  "beyond-bank-australia",
  "bnk-bank-goldfields-money-bchl",
  "boq-specialist",
  "border-bank",
  "broken-hill-bank",
  "cairns-bank",
  "central-murray-bank",
  "central-west-cul",
  "coastline-bank",
  "commbank",
  "commfcu",
  "credit-union-sa",
  "darling-downs-bank",
  "defence-bank",
  "dnister",
  "fire-service-credit-union",
  "firefighters-mutual-bank",
  "first-option-bank",
  "gateway-bank",
  "geelong-bank",
  "gmcu",
  "great-southern-bank",
  "greater-bank",
  "health-professionals-bank",
  "heartland",
  "horizon-bank",
  "hume-bank",
  "imb-bank",
  "ing-bank-australia-ltd",
  "judo-bank",
  "laboratories-credit-union",
  "macquarie-bank-limited",
  "maitland-mutual-limited",
  "me-bank-me-go",
  "mystate-bank",
  "national-australia-bank",
  "newcastle-permanent",
  "northern-inland-credit-union-limited",
  "orange-credit-union-ltd",
  "p-n-bank",
  "people-first-and-heritage-bank",
  "police-bank",
  "police-credit-union-ltd",
  "qbank",
  "qudos-bank",
  "queensland-country-bank",
  "rabobank",
  "racq-bank",
  "regional-australia-bank",
  "rsl-money",
  "southern-cross-credit-union",
  "st-george-bank",
  "summerland-bank",
  "suncorp-bank",
  "swsbank",
  "teachers-mutual-bank",
  "the-capricornian",
  "the-mac",
  "tmcu",
  "tyro-payments",
  "unibank",
  "unity-bank",
  "westpac",
  "woolworths-team-bank"
 ]
}
