{
 "brand": "Newcastle Permanent",
 "brand_label": "Newcastle Permanent",
 "brand_slug": "newcastle-permanent",
 "legal_entity_abn": "96087651992",
 "logo_uri": "https://www.ngmgroup.com.au/globalassets/open-banking/np/np-logo.jpg",
 "public_base_uri": "https://openbank.newcastlepermanent.com.au",
 "bank_last_updated": "2026-09-28T00:00:00+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_termdeposit",
   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
   "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",
   "snapshot_at": "2026-10-02T09:50:42Z",
   "description": "A Term Deposit is a secure way to boost your savings, simply open an account, select your term and enjoy the rewards of a high interest investment.",
   "min_balance": 1000.0,
   "max_balance": null,
   "conditions": [],
   "bank_last_updated": "2026-09-28T00:00:00+10:00",
   "rate_count": 40,
   "addons": [],
   "no_rates_reason": null
  }
 ],
 "rows": [
  {
   "brand": "Newcastle Permanent",
   "brand_label": "Newcastle Permanent",
   "brand_slug": "newcastle-permanent",
   "legal_entity_abn": "96087651992",
   "product_id": "TD_termdeposit",
   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P21D - P45D",
   "term_months": 1,
   "term_min_months": 1,
   "term_max_months": 1,
   "term_days": null,
   "term_days_min": 21,
   "term_days_max": 45,
   "rate": 0.01,
   "rate_pct": 1.0,
   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
   "tier_min": 1000.0,
   "tier_max": 99999999.99,
   "min_balance": 1000.0,
   "max_balance": null,
   "deposit_min": 1000.0,
   "deposit_max": 99999999.99,
   "is_special": false,
   "conditional": false,
   "conditions": [],
   "additional_info": "21 - 45 days Interest paid at maturity",
   "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",
   "bank_last_updated": "2026-09-28T00:00:00+10:00"
  },
  {
   "brand": "Newcastle Permanent",
   "brand_label": "Newcastle Permanent",
   "brand_slug": "newcastle-permanent",
   "legal_entity_abn": "96087651992",
   "product_id": "TD_termdeposit",
   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P46D - P75D",
   "term_months": 2,
   "term_min_months": 2,
   "term_max_months": 2,
   "term_days": null,
   "term_days_min": 46,
   "term_days_max": 75,
   "rate": 0.01,
   "rate_pct": 1.0,
   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
   "tier_min": 1000.0,
   "tier_max": 99999999.99,
   "min_balance": 1000.0,
   "max_balance": null,
   "deposit_min": 1000.0,
   "deposit_max": 99999999.99,
   "is_special": false,
   "conditional": false,
   "conditions": [],
   "additional_info": "46 - 75 days Interest paid at maturity",
   "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",
   "bank_last_updated": "2026-09-28T00:00:00+10:00"
  },
  {
   "brand": "Newcastle Permanent",
   "brand_label": "Newcastle Permanent",
   "brand_slug": "newcastle-permanent",
   "legal_entity_abn": "96087651992",
   "product_id": "TD_termdeposit",
   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P76D - P105D",
   "term_months": 3,
   "term_min_months": 3,
   "term_max_months": 3,
   "term_days": null,
   "term_days_min": 76,
   "term_days_max": 105,
   "rate": 0.045,
   "rate_pct": 4.5,
   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
   "tier_min": 1000.0,
   "tier_max": 99999999.99,
   "min_balance": 1000.0,
   "max_balance": null,
   "deposit_min": 1000.0,
   "deposit_max": 99999999.99,
   "is_special": false,
   "conditional": false,
   "conditions": [],
   "additional_info": "76 - 105 days Interest paid at maturity",
   "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",
   "bank_last_updated": "2026-09-28T00:00:00+10:00"
  },
  {
   "brand": "Newcastle Permanent",
   "brand_label": "Newcastle Permanent",
   "brand_slug": "newcastle-permanent",
   "legal_entity_abn": "96087651992",
   "product_id": "TD_termdeposit",
   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P76D - P105D",
   "term_months": 3,
   "term_min_months": 3,
   "term_max_months": 3,
   "term_days": null,
   "term_days_min": 76,
   "term_days_max": 105,
   "rate": 0.044,
   "rate_pct": 4.4,
   "rate_type": "FIXED",
   "interest_paid": "monthly",
   "tier_min": 1000.0,
   "tier_max": 99999999.99,
   "min_balance": 1000.0,
   "max_balance": null,
   "deposit_min": 1000.0,
   "deposit_max": 99999999.99,
   "is_special": false,
   "conditional": false,
   "conditions": [],
   "additional_info": "76 - 105 days Interest paid monthly",
   "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",
   "bank_last_updated": "2026-09-28T00:00:00+10:00"
  },
  {
   "brand": "Newcastle Permanent",
   "brand_label": "Newcastle Permanent",
   "brand_slug": "newcastle-permanent",
   "legal_entity_abn": "96087651992",
   "product_id": "TD_termdeposit",
   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P106D - P135D",
   "term_months": 4,
   "term_min_months": 4,
   "term_max_months": 4,
   "term_days": null,
   "term_days_min": 106,
   "term_days_max": 135,
   "rate": 0.0375,
   "rate_pct": 3.75,
   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
   "tier_min": 1000.0,
   "tier_max": 99999999.99,
   "min_balance": 1000.0,
   "max_balance": null,
   "deposit_min": 1000.0,
   "deposit_max": 99999999.99,
   "is_special": false,
   "conditional": false,
   "conditions": [],
   "additional_info": "106 - 135 days Interest paid at maturity",
   "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",
   "bank_last_updated": "2026-09-28T00:00:00+10:00"
  },
  {
   "brand": "Newcastle Permanent",
   "brand_label": "Newcastle Permanent",
   "brand_slug": "newcastle-permanent",
   "legal_entity_abn": "96087651992",
   "product_id": "TD_termdeposit",
   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P106D - P135D",
   "term_months": 4,
   "term_min_months": 4,
   "term_max_months": 4,
   "term_days": null,
   "term_days_min": 106,
   "term_days_max": 135,
   "rate": 0.0365,
   "rate_pct": 3.65,
   "rate_type": "FIXED",
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   "tier_max": 99999999.99,
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   "deposit_min": 1000.0,
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   "conditional": false,
   "conditions": [],
   "additional_info": "106 - 135 days Interest paid monthly",
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   "source_snapshot": "/au/finance/term-deposits/v1/source/newcastle-permanent/TD_termdeposit.json",
   "bank_last_updated": "2026-09-28T00:00:00+10:00"
  },
  {
   "brand": "Newcastle Permanent",
   "brand_label": "Newcastle Permanent",
   "brand_slug": "newcastle-permanent",
   "legal_entity_abn": "96087651992",
   "product_id": "TD_termdeposit",
   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P136D - P165D",
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   "term_min_months": 5,
   "term_max_months": 5,
   "term_days": null,
   "term_days_min": 136,
   "term_days_max": 165,
   "rate": 0.0375,
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   "deposit_min": 1000.0,
   "deposit_max": 99999999.99,
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   "conditional": false,
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   "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",
   "bank_last_updated": "2026-09-28T00:00:00+10:00"
  },
  {
   "brand": "Newcastle Permanent",
   "brand_label": "Newcastle Permanent",
   "brand_slug": "newcastle-permanent",
   "legal_entity_abn": "96087651992",
   "product_id": "TD_termdeposit",
   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P136D - P165D ",
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   "term_min_months": 5,
   "term_max_months": 5,
   "term_days": null,
   "term_days_min": 136,
   "term_days_max": 165,
   "rate": 0.0365,
   "rate_pct": 3.65,
   "rate_type": "FIXED",
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   "deposit_min": 1000.0,
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   "conditions": [],
   "additional_info": "136 - 165 days Interest paid monthly",
   "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",
   "bank_last_updated": "2026-09-28T00:00:00+10:00"
  },
  {
   "brand": "Newcastle Permanent",
   "brand_label": "Newcastle Permanent",
   "brand_slug": "newcastle-permanent",
   "legal_entity_abn": "96087651992",
   "product_id": "TD_termdeposit",
   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P166D - P195D",
   "term_months": 6,
   "term_min_months": 6,
   "term_max_months": 6,
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   "term_days_min": 166,
   "term_days_max": 195,
   "rate": 0.051,
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   "deposit_min": 1000.0,
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   "conditional": false,
   "conditions": [],
   "additional_info": "166 - 195 days Interest paid at maturity",
   "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",
   "bank_last_updated": "2026-09-28T00:00:00+10:00"
  },
  {
   "brand": "Newcastle Permanent",
   "brand_label": "Newcastle Permanent",
   "brand_slug": "newcastle-permanent",
   "legal_entity_abn": "96087651992",
   "product_id": "TD_termdeposit",
   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P166D - P195D",
   "term_months": 6,
   "term_min_months": 6,
   "term_max_months": 6,
   "term_days": null,
   "term_days_min": 166,
   "term_days_max": 195,
   "rate": 0.05,
   "rate_pct": 5.0,
   "rate_type": "FIXED",
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   "conditional": false,
   "conditions": [],
   "additional_info": "166 - 195 days Interest paid monthly",
   "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",
   "bank_last_updated": "2026-09-28T00:00:00+10:00"
  },
  {
   "brand": "Newcastle Permanent",
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   "brand_slug": "newcastle-permanent",
   "legal_entity_abn": "96087651992",
   "product_id": "TD_termdeposit",
   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P196D - P225D",
   "term_months": 7,
   "term_min_months": 7,
   "term_max_months": 7,
   "term_days": null,
   "term_days_min": 196,
   "term_days_max": 225,
   "rate": 0.036,
   "rate_pct": 3.6,
   "rate_type": "FIXED",
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   "deposit_min": 1000.0,
   "deposit_max": 99999999.99,
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   "conditional": false,
   "conditions": [],
   "additional_info": "196 - 225 days Interest paid at maturity",
   "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",
   "bank_last_updated": "2026-09-28T00:00:00+10:00"
  },
  {
   "brand": "Newcastle Permanent",
   "brand_label": "Newcastle Permanent",
   "brand_slug": "newcastle-permanent",
   "legal_entity_abn": "96087651992",
   "product_id": "TD_termdeposit",
   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P196D - P225D",
   "term_months": 7,
   "term_min_months": 7,
   "term_max_months": 7,
   "term_days": null,
   "term_days_min": 196,
   "term_days_max": 225,
   "rate": 0.035,
   "rate_pct": 3.5,
   "rate_type": "FIXED",
   "interest_paid": "monthly",
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   "deposit_min": 1000.0,
   "deposit_max": 99999999.99,
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   "conditions": [],
   "additional_info": "196 - 225 days Interest paid monthly",
   "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",
   "bank_last_updated": "2026-09-28T00:00:00+10:00"
  },
  {
   "brand": "Newcastle Permanent",
   "brand_label": "Newcastle Permanent",
   "brand_slug": "newcastle-permanent",
   "legal_entity_abn": "96087651992",
   "product_id": "TD_termdeposit",
   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P226D - P255D",
   "term_months": 8,
   "term_min_months": 8,
   "term_max_months": 8,
   "term_days": null,
   "term_days_min": 226,
   "term_days_max": 255,
   "rate": 0.036,
   "rate_pct": 3.6,
   "rate_type": "FIXED",
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   "deposit_min": 1000.0,
   "deposit_max": 99999999.99,
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   "conditional": false,
   "conditions": [],
   "additional_info": "226 - 255 days Interest paid at maturity",
   "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",
   "bank_last_updated": "2026-09-28T00:00:00+10:00"
  },
  {
   "brand": "Newcastle Permanent",
   "brand_label": "Newcastle Permanent",
   "brand_slug": "newcastle-permanent",
   "legal_entity_abn": "96087651992",
   "product_id": "TD_termdeposit",
   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "product_url": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P226D - P255D",
   "term_months": 8,
   "term_min_months": 8,
   "term_max_months": 8,
   "term_days": null,
   "term_days_min": 226,
   "term_days_max": 255,
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