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 "status": "ok",
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 "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.",
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   "term_raw": "P24M",
   "term_months": 24,
   "term_min_months": 24,
   "term_max_months": 24,
   "term_days": null,
   "term_days_min": null,
   "term_days_max": null,
   "rate": 0.047,
   "rate_pct": 4.7,
   "rate_type": "FIXED",
   "interest_paid": "annually",
   "tier_min": 5000.0,
   "tier_max": 20000000.0,
   "min_balance": null,
   "max_balance": null,
   "deposit_min": 5000.0,
   "deposit_max": 20000000.0,
   "is_special": false,
   "conditional": false,
   "conditions": [],
   "additional_info": "Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry",
   "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",
   "bank_last_updated": "2026-09-22T09:19:21.000+10:00"
  },
  {
   "brand": "Southern Cross Credit Union",
   "brand_label": "Southern Cross Credit Union",
   "brand_slug": "southern-cross-credit-union",
   "legal_entity_abn": "82087650682",
   "product_id": "BUSINESS_TERM_DEPOSIT",
   "product_name": "BUSINESS TERM DEPOSIT",
   "product_label": "Business Term Deposit",
   "product_url": "https://www.sccu.com.au/business-banking/business-term-deposit/",
   "segment": "business",
   "segments": [
    "business"
   ],
   "segments_inferred": [],
   "term_raw": "P24M",
   "term_months": 24,
   "term_min_months": 24,
   "term_max_months": 24,
   "term_days": null,
   "term_days_min": null,
   "term_days_max": null,
   "rate": 0.047,
   "rate_pct": 4.7,
   "rate_type": "FIXED",
   "interest_paid": "annually",
   "tier_min": 5000.0,
   "tier_max": 2000000.0,
   "min_balance": null,
   "max_balance": null,
   "deposit_min": 5000.0,
   "deposit_max": 2000000.0,
   "is_special": false,
   "conditional": false,
   "conditions": [],
   "additional_info": "Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry",
   "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",
   "bank_last_updated": "2026-09-22T09:13:57.000+10:00"
  }
 ]
}