{
 "brand": "IMB Bank",
 "brand_label": "IMB Bank",
 "brand_slug": "imb-bank",
 "legal_entity_abn": "92087651974",
 "logo_uri": "https://uploads-ssl.webflow.com/6523c01e3505e25d762e59e6/66038603eff828b190613f7a_imb-logo.png",
 "public_base_uri": "https://openbank.openbanking.imb.com.au",
 "bank_last_updated": "2026-10-02T00:00:00+10:00",
 "status": "ok",
 "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.",
 "products": [
  {
   "product_id": "TD-1-1",
   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
   "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",
   "snapshot_at": "2026-10-02T09:50:36Z",
   "description": "Earn great returns with an IMB Term Deposit. An IMB Term Deposit offers competitive returns for investment terms from 1 month up to 5 years for amounts of $1,000 or more. Term Deposits are a secure way to grow your savings for the future!",
   "min_balance": 1000.0,
   "max_balance": null,
   "conditions": [
    "The mininum term: 30 days"
   ],
   "bank_last_updated": "2026-10-02T00:00:00+10:00",
   "rate_count": 30,
   "addons": [],
   "no_rates_reason": null
  },
  {
   "product_id": "TD-2-1",
   "product_name": "Negotiable Interest Term Account (NITA)",
   "product_label": "Negotiable Interest Term Account (NITA)",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "product_url": "https://www.imb.com.au/term-deposit-enquiry",
   "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-2-1",
   "source_snapshot": "/au/finance/term-deposits/v1/source/imb-bank/TD-2-1.json",
   "snapshot_at": "2026-10-02T09:50:36Z",
   "description": "Negotiable interest rates available for term investment amounts over $100,000",
   "min_balance": 100000.0,
   "max_balance": null,
   "conditions": [
    "The mininum term: 30 days"
   ],
   "bank_last_updated": "2026-09-22T00:00:00+10:00",
   "rate_count": 0,
   "addons": [],
   "no_rates_reason": "no deposit rates published"
  }
 ],
 "rows": [
  {
   "brand": "IMB Bank",
   "brand_label": "IMB Bank",
   "brand_slug": "imb-bank",
   "legal_entity_abn": "92087651974",
   "product_id": "TD-1-1",
   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
   "segment": "personal",
   "segments": [
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   ],
   "segments_inferred": [],
   "term_raw": "P1M/P2M",
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   "term_min_months": 1,
   "term_max_months": 2,
   "term_days": null,
   "term_days_min": null,
   "term_days_max": null,
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   "rate_pct": 1.25,
   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
   "tier_min": 1000.0,
   "tier_max": null,
   "min_balance": 1000.0,
   "max_balance": null,
   "deposit_min": 1000.0,
   "deposit_max": null,
   "is_special": false,
   "conditional": true,
   "conditions": [
    "The mininum term: 30 days"
   ],
   "additional_info": "1 to less than 3 months - Interest paid on Maturity",
   "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",
   "bank_last_updated": "2026-10-02T00:00:00+10:00"
  },
  {
   "brand": "IMB Bank",
   "brand_label": "IMB Bank",
   "brand_slug": "imb-bank",
   "legal_entity_abn": "92087651974",
   "product_id": "TD-1-1",
   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
   "segment": "personal",
   "segments": [
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   "segments_inferred": [],
   "term_raw": "P3M",
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   "term_min_months": 3,
   "term_max_months": 3,
   "term_days": null,
   "term_days_min": null,
   "term_days_max": null,
   "rate": 0.049,
   "rate_pct": 4.9,
   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
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   "tier_max": null,
   "min_balance": 1000.0,
   "max_balance": null,
   "deposit_min": 5000.0,
   "deposit_max": null,
   "is_special": true,
   "conditional": true,
   "conditions": [
    "The mininum term: 30 days"
   ],
   "additional_info": "3 month Special - Interest paid on Maturity",
   "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",
   "bank_last_updated": "2026-10-02T00:00:00+10:00"
  },
  {
   "brand": "IMB Bank",
   "brand_label": "IMB Bank",
   "brand_slug": "imb-bank",
   "legal_entity_abn": "92087651974",
   "product_id": "TD-1-1",
   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
   "segment": "personal",
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   ],
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   "term_raw": "P3M/P5M",
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   "term_max_months": 5,
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   "term_days_min": null,
   "term_days_max": null,
   "rate": 0.015,
   "rate_pct": 1.5,
   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
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   "min_balance": 1000.0,
   "max_balance": null,
   "deposit_min": 1000.0,
   "deposit_max": null,
   "is_special": false,
   "conditional": true,
   "conditions": [
    "The mininum term: 30 days"
   ],
   "additional_info": "3 to less than 6 months - Interest paid on Maturity",
   "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",
   "bank_last_updated": "2026-10-02T00:00:00+10:00"
  },
  {
   "brand": "IMB Bank",
   "brand_label": "IMB Bank",
   "brand_slug": "imb-bank",
   "legal_entity_abn": "92087651974",
   "product_id": "TD-1-1",
   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
   "segment": "personal",
   "segments": [
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   ],
   "segments_inferred": [],
   "term_raw": "P3M/P5M",
   "term_months": 3,
   "term_min_months": 3,
   "term_max_months": 5,
   "term_days": null,
   "term_days_min": null,
   "term_days_max": null,
   "rate": 0.0145,
   "rate_pct": 1.45,
   "rate_type": "FIXED",
   "interest_paid": "monthly",
   "tier_min": 5000.0,
   "tier_max": null,
   "min_balance": 1000.0,
   "max_balance": null,
   "deposit_min": 5000.0,
   "deposit_max": null,
   "is_special": false,
   "conditional": true,
   "conditions": [
    "The mininum term: 30 days"
   ],
   "additional_info": "3 to less than 6 months - Interest paid Monthly (every 28 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",
   "bank_last_updated": "2026-10-02T00:00:00+10:00"
  },
  {
   "brand": "IMB Bank",
   "brand_label": "IMB Bank",
   "brand_slug": "imb-bank",
   "legal_entity_abn": "92087651974",
   "product_id": "TD-1-1",
   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P6M",
   "term_months": 6,
   "term_min_months": 6,
   "term_max_months": 6,
   "term_days": null,
   "term_days_min": null,
   "term_days_max": null,
   "rate": 0.05,
   "rate_pct": 5.0,
   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
   "tier_min": 5000.0,
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   "deposit_min": 5000.0,
   "deposit_max": null,
   "is_special": true,
   "conditional": true,
   "conditions": [
    "The mininum term: 30 days"
   ],
   "additional_info": "6 month Special - Interest paid on Maturity",
   "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",
   "bank_last_updated": "2026-10-02T00:00:00+10:00"
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  {
   "brand": "IMB Bank",
   "brand_label": "IMB Bank",
   "brand_slug": "imb-bank",
   "legal_entity_abn": "92087651974",
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   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
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   "term_min_months": 6,
   "term_max_months": 8,
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   "rate": 0.0225,
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   "conditions": [
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   "additional_info": "6 to less than 9 months - Interest paid on Maturity",
   "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",
   "bank_last_updated": "2026-10-02T00:00:00+10:00"
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  {
   "brand": "IMB Bank",
   "brand_label": "IMB Bank",
   "brand_slug": "imb-bank",
   "legal_entity_abn": "92087651974",
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   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "product_url": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
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   ],
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   "term_min_months": 6,
   "term_max_months": 8,
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   "term_days_min": null,
   "term_days_max": null,
   "rate": 0.0225,
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   "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",
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  {
   "brand": "IMB Bank",
   "brand_label": "IMB Bank",
   "brand_slug": "imb-bank",
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   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
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   ],
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   "term_days_min": null,
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   "rate": 0.022,
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   "rate_type": "FIXED",
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   "is_special": false,
   "conditional": true,
   "conditions": [
    "The mininum term: 30 days"
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   "additional_info": "6 to less than 9 months - Interest paid Monthly (every 28 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",
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  {
   "brand": "IMB Bank",
   "brand_label": "IMB Bank",
   "brand_slug": "imb-bank",
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   ],
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   "term_min_months": 9,
   "term_max_months": 11,
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   "interest_paid": "at_maturity",
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   "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",
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  {
   "brand": "IMB Bank",
   "brand_label": "IMB Bank",
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   "product_name": "Term Deposit",
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   "segments": [
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   ],
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   "term_raw": "P9M/P11M",
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   "term_max_months": 11,
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   "term_days_min": null,
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   "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",
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  {
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   "brand_slug": "imb-bank",
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   "product_label": "Term Deposit",
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   "rate_type": "FIXED",
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   "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
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   ],
   "segments_inferred": [],
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   "source_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
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   "legal_entity_abn": "92087651974",
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 ]
}