{
 "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.",
 "row_count": 6374,
 "rows": [
  {
   "brand": "Woolworths Team Bank",
   "brand_label": "Woolworths Team Bank",
   "brand_slug": "woolworths-team-bank",
   "legal_entity_abn": "67087651803",
   "product_id": "7Months",
   "product_name": "7 MONTHS",
   "product_label": "7 Months",
   "product_url": "https://woolworthsteambank.snapforms.com.au/form/term-deposit-form",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P7M",
   "term_months": 1,
   "term_min_months": 1,
   "term_max_months": 7,
   "term_days": null,
   "term_days_min": null,
   "term_days_max": null,
   "rate": 0.053,
   "rate_pct": 5.3,
   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
   "tier_min": 0.0,
   "tier_max": 1000000.0,
   "min_balance": 2000.0,
   "max_balance": null,
   "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…"
   ],
   "additional_info": "New Monies Only",
   "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",
   "bank_last_updated": "2026-09-23T14:21:03.000+10:00"
  },
  {
   "brand": "Bank First",
   "brand_label": "Bank First",
   "brand_slug": "bank-first",
   "legal_entity_abn": "44087651769",
   "product_id": "a2ec048e-58ec-47e2-ac0e-b34d18abd8af",
   "product_name": "School 30-90 Day Flexible Term Deposit",
   "product_label": "School 30-90 Day Flexible Term Deposit",
   "product_url": "https://www.bankfirst.com.au/bank-accounts/school-accounts/30-90-day-school-term-deposit",
   "segment": "business",
   "segments": [
    "business"
   ],
   "segments_inferred": [],
   "term_raw": "P90D",
   "term_months": 1,
   "term_min_months": 1,
   "term_max_months": 2,
   "term_days": null,
   "term_days_min": 30,
   "term_days_max": 90,
   "rate": 0.0495,
   "rate_pct": 4.95,
   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
   "tier_min": 5000.0,
   "tier_max": 9999999.99,
   "min_balance": 5000.0,
   "max_balance": null,
   "deposit_min": 5000.0,
   "deposit_max": 9999999.99,
   "is_special": false,
   "conditional": true,
   "conditions": [
    "Only available to school accounts that hold a membership"
   ],
   "additional_info": "Dependent on the term nominated determines when the interest will be applied",
   "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",
   "bank_last_updated": "2026-09-16T23:03:55.479534Z"
  },
  {
   "brand": "Bank First",
   "brand_label": "Bank First",
   "brand_slug": "bank-first",
   "legal_entity_abn": "44087651769",
   "product_id": "9fd48673-84e0-4569-b811-b25f6ded254e",
   "product_name": "Preschool 30-90 Day Flexible Term Deposit",
   "product_label": "Preschool 30-90 Day Flexible Term Deposit",
   "product_url": "https://www.bankfirst.com.au/bank-accounts/preschool-accounts/save/30-90-day-preschool-term-deposit",
   "segment": "business",
   "segments": [
    "business"
   ],
   "segments_inferred": [],
   "term_raw": "P90D",
   "term_months": 1,
   "term_min_months": 1,
   "term_max_months": 2,
   "term_days": null,
   "term_days_min": 30,
   "term_days_max": 90,
   "rate": 0.0495,
   "rate_pct": 4.95,
   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
   "tier_min": 5000.0,
   "tier_max": 999999.0,
   "min_balance": 5000.0,
   "max_balance": null,
   "deposit_min": 5000.0,
   "deposit_max": 999999.0,
   "is_special": false,
   "conditional": true,
   "conditions": [
    "Only available to school accounts that hold a membership"
   ],
   "additional_info": "Dependent on the term nominated determines when the interest will be applied",
   "stacked_bonus": null,
   "source_url": "https://public.cdr.bankfirst.com.au/cds-au/v1/banking/products/9fd48673-84e0-4569-b811-b25f6ded254e",
   "source_snapshot": "/au/finance/term-deposits/v1/source/bank-first/9fd48673-84e0-4569-b811-b25f6ded254e.json",
   "bank_last_updated": "2026-09-16T23:03:36.055298Z"
  },
  {
   "brand": "BankVic",
   "brand_label": "BankVic",
   "brand_slug": "bankvic",
   "legal_entity_abn": "33087651661",
   "product_id": "I3_TermDeposit_12mthIncome",
   "product_name": "12 Month Regular Income",
   "product_label": "12 Month Regular Income",
   "product_url": "https://www.bankvic.com.au/apply-for-deposit-account",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P12M",
   "term_months": 1,
   "term_min_months": 1,
   "term_max_months": 12,
   "term_days": null,
   "term_days_min": null,
   "term_days_max": null,
   "rate": 0.0495,
   "rate_pct": 4.95,
   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
   "tier_min": 5000.0,
   "tier_max": 9999999.99,
   "min_balance": 5000.0,
   "max_balance": null,
   "deposit_min": 5000.0,
   "deposit_max": 9999999.99,
   "is_special": false,
   "conditional": true,
   "conditions": [
    "BankVic Member"
   ],
   "additional_info": null,
   "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",
   "bank_last_updated": "2026-08-12T16:59:19.000+10:00"
  },
  {
   "brand": "ORANGE CREDIT UNION LTD",
   "brand_label": "Orange Credit Union",
   "brand_slug": "orange-credit-union-ltd",
   "legal_entity_abn": "34087650477",
   "product_id": "24MTH_TERM_DEPOSIT",
   "product_name": "24 MONTHS",
   "product_label": "24 Months",
   "product_url": "https://www.bankorange.com.au/online-forms/member-application-form/",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P24M",
   "term_months": 1,
   "term_min_months": 1,
   "term_max_months": 24,
   "term_days": null,
   "term_days_min": null,
   "term_days_max": null,
   "rate": 0.045,
   "rate_pct": 4.5,
   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
   "tier_min": 1000.0,
   "tier_max": 1000000.0,
   "min_balance": 1000.0,
   "max_balance": null,
   "deposit_min": 1000.0,
   "deposit_max": 1000000.0,
   "is_special": false,
   "conditional": false,
   "conditions": [],
   "additional_info": null,
   "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",
   "bank_last_updated": "2026-07-02T11:03:33.000+10:00"
  },
  {
   "brand": "BOQ Specialist",
   "brand_label": "BOQ Specialist",
   "brand_slug": "boq-specialist",
   "legal_entity_abn": "32009656740",
   "product_id": "78906e88-5c03-ee11-8f6e-00224814d330",
   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "product_url": "https://www.boqspecialist.com.au/forms/term-deposits",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P30D",
   "term_months": 1,
   "term_min_months": 1,
   "term_max_months": 1,
   "term_days": 30,
   "term_days_min": 30,
   "term_days_max": 30,
   "rate": 0.041,
   "rate_pct": 4.1,
   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
   "tier_min": 1000.0,
   "tier_max": 100000000.0,
   "min_balance": 1000.0,
   "max_balance": null,
   "deposit_min": 1000.0,
   "deposit_max": 100000000.0,
   "is_special": false,
   "conditional": true,
   "conditions": [
    "Exclusively available to medical professionals and accountants"
   ],
   "additional_info": "Interest paid at maturity",
   "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",
   "bank_last_updated": "2026-09-21T00:19:38Z"
  },
  {
   "brand": "BNK Bank (Goldfields Money/BCHL)",
   "brand_label": "BNK Bank",
   "brand_slug": "bnk-bank-goldfields-money-bchl",
   "legal_entity_abn": "63087651849",
   "product_id": "1006",
   "product_name": "Stow It Term Deposit Account",
   "product_label": "Stow It Term Deposit Account",
   "product_url": null,
   "segment": "personal",
   "segments": [
    "personal",
    "business"
   ],
   "segments_inferred": [],
   "term_raw": "P1M",
   "term_months": 1,
   "term_min_months": 1,
   "term_max_months": 1,
   "term_days": null,
   "term_days_min": null,
   "term_days_max": null,
   "rate": 0.0405,
   "rate_pct": 4.05,
   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
   "tier_min": null,
   "tier_max": null,
   "min_balance": 5000.0,
   "max_balance": null,
   "deposit_min": 5000.0,
   "deposit_max": null,
   "is_special": false,
   "conditional": false,
   "conditions": [],
   "additional_info": "Rate applied to a 1 Month Term Deposit",
   "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",
   "bank_last_updated": "2026-07-19T20:00:00.747169Z"
  },
  {
   "brand": "BNK Bank (Goldfields Money/BCHL)",
   "brand_label": "BNK Bank",
   "brand_slug": "bnk-bank-goldfields-money-bchl",
   "legal_entity_abn": "63087651849",
   "product_id": "Bus_TD_01",
   "product_name": "Business Term Deposit",
   "product_label": "Business Term Deposit",
   "product_url": null,
   "segment": "business",
   "segments": [
    "smsf",
    "business"
   ],
   "segments_inferred": [],
   "term_raw": "P1M",
   "term_months": 1,
   "term_min_months": 1,
   "term_max_months": 1,
   "term_days": null,
   "term_days_min": null,
   "term_days_max": null,
   "rate": 0.0405,
   "rate_pct": 4.05,
   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
   "tier_min": null,
   "tier_max": null,
   "min_balance": 5000.0,
   "max_balance": null,
   "deposit_min": 5000.0,
   "deposit_max": null,
   "is_special": false,
   "conditional": false,
   "conditions": [],
   "additional_info": "Rate applied to a 1 Month Term Deposit",
   "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",
   "bank_last_updated": "2026-07-19T20:00:00.74711Z"
  },
  {
   "brand": "Fire Service Credit Union",
   "brand_label": "Fire Service Credit Union",
   "brand_slug": "fire-service-credit-union",
   "legal_entity_abn": "17087651152",
   "product_id": "11",
   "product_name": "I1 Cheque A Month",
   "product_label": "I1 Cheque A Month",
   "product_url": "https://www.fscu.com.au/accounts/term-deposits/",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P1M",
   "term_months": 1,
   "term_min_months": 1,
   "term_max_months": 1,
   "term_days": null,
   "term_days_min": null,
   "term_days_max": null,
   "rate": 0.0405,
   "rate_pct": 4.05,
   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
   "tier_min": 10000.0,
   "tier_max": 1000000.0,
   "min_balance": 10000.0,
   "max_balance": null,
   "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."
   ],
   "additional_info": null,
   "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",
   "bank_last_updated": "2026-05-20T04:00:33.3305724Z"
  },
  {
   "brand": "Great Southern Bank",
   "brand_label": "Great Southern Bank",
   "brand_slug": "great-southern-bank",
   "legal_entity_abn": "44087650959",
   "product_id": "1000-0500",
   "product_name": "Standard Rate Term Deposit 1-12 months",
   "product_label": "Standard Rate Term Deposit 1-12 Months",
   "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P2M",
   "term_months": 1,
   "term_min_months": 1,
   "term_max_months": 2,
   "term_days": null,
   "term_days_min": null,
   "term_days_max": null,
   "rate": 0.04,
   "rate_pct": 4.0,
   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
   "tier_min": null,
   "tier_max": null,
   "min_balance": 5000.0,
   "max_balance": null,
   "deposit_min": 5000.0,
   "deposit_max": null,
   "is_special": false,
   "conditional": false,
   "conditions": [],
   "additional_info": null,
   "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",
   "bank_last_updated": "2026-08-26T14:00:01.00000Z"
  },
  {
   "brand": "Great Southern Bank",
   "brand_label": "Great Southern Bank",
   "brand_slug": "great-southern-bank",
   "legal_entity_abn": "44087650959",
   "product_id": "1200-0500",
   "product_name": "Standard Rate Term Deposit 2-12 months",
   "product_label": "Standard Rate Term Deposit 2-12 Months",
   "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P2M",
   "term_months": 1,
   "term_min_months": 1,
   "term_max_months": 2,
   "term_days": null,
   "term_days_min": null,
   "term_days_max": null,
   "rate": 0.039,
   "rate_pct": 3.9,
   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
   "tier_min": null,
   "tier_max": null,
   "min_balance": 5000.0,
   "max_balance": null,
   "deposit_min": 5000.0,
   "deposit_max": null,
   "is_special": false,
   "conditional": false,
   "conditions": [],
   "additional_info": null,
   "stacked_bonus": null,
   "source_url": "https://api.open-banking.greatsouthernbank.com.au/cds-au/v1/banking/products/1200-0500",
   "source_snapshot": "/au/finance/term-deposits/v1/source/great-southern-bank/1200-0500.json",
   "bank_last_updated": "2026-08-26T14:00:01.00000Z"
  },
  {
   "brand": "Bank of China",
   "brand_label": "Bank of China",
   "brand_slug": "bank-of-china",
   "legal_entity_abn": "28110077622",
   "product_id": "55090506",
   "product_name": "Term Deposit AUD 1M",
   "product_label": "Term Deposit AUD 1M",
   "product_url": "https://www.bankofchina.com/au/en/pbservice/pb1/201712/t20171214_10912803.html",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "Term Deposit AUD 1M",
   "term_months": 1,
   "term_min_months": 1,
   "term_max_months": 1,
   "term_days": null,
   "term_days_min": null,
   "term_days_max": null,
   "rate": 0.0375,
   "rate_pct": 3.75,
   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
   "tier_min": null,
   "tier_max": null,
   "min_balance": 1000.0,
   "max_balance": null,
   "deposit_min": 1000.0,
   "deposit_max": null,
   "is_special": false,
   "conditional": false,
   "conditions": [],
   "additional_info": null,
   "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",
   "bank_last_updated": "2026-05-07T14:00:00.000+10:00"
  },
  {
   "brand": "Great Southern Bank",
   "brand_label": "Great Southern Bank",
   "brand_slug": "great-southern-bank",
   "legal_entity_abn": "44087650959",
   "product_id": "1000-0500",
   "product_name": "Standard Rate Term Deposit 1-12 months",
   "product_label": "Standard Rate Term Deposit 1-12 Months",
   "product_url": "https://www.greatsouthernbank.com.au/banking/term-deposits",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P1M",
   "term_months": 1,
   "term_min_months": 1,
   "term_max_months": 1,
   "term_days": null,
   "term_days_min": null,
   "term_days_max": null,
   "rate": 0.035,
   "rate_pct": 3.5,
   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
   "tier_min": null,
   "tier_max": null,
   "min_balance": 5000.0,
   "max_balance": null,
   "deposit_min": 5000.0,
   "deposit_max": null,
   "is_special": false,
   "conditional": false,
   "conditions": [],
   "additional_info": null,
   "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",
   "bank_last_updated": "2026-08-26T14:00:01.00000Z"
  },
  {
   "brand": "Tyro Payments",
   "brand_label": "Tyro",
   "brand_slug": "tyro-payments",
   "legal_entity_abn": "49103575042",
   "product_id": "a072f9d4-082b-4d23-8ddc-d9db7d88d417",
   "product_name": "30 Day Business Term Deposit",
   "product_label": "30 Day Business Term Deposit",
   "product_url": "https://www.tyro.com/term-deposit-terms",
   "segment": "business",
   "segments": [
    "business"
   ],
   "segments_inferred": [],
   "term_raw": "P30D",
   "term_months": 1,
   "term_min_months": 1,
   "term_max_months": 1,
   "term_days": 30,
   "term_days_min": 30,
   "term_days_max": 30,
   "rate": 0.035,
   "rate_pct": 3.5,
   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
   "tier_min": null,
   "tier_max": null,
   "min_balance": 1000.0,
   "max_balance": 100000.0,
   "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."
   ],
   "additional_info": null,
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   "source_snapshot": "/au/finance/term-deposits/v1/source/st-george-bank/STGTDBusTermDeposit.json",
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    "new customers only"
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   "stacked_bonus": null,
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   "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/99.json",
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   "stacked_bonus": null,
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    "new customers only"
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   "source_snapshot": "/au/finance/term-deposits/v1/source/racq-bank/7.json",
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   "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDTermDeposit.json",
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   "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDBusTermDeposit.json",
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   "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/FarmManagementDepositAccount.json",
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   "product_label": "Business Investment Account",
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   "segments_inferred": [],
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   "term_min_months": 2,
   "term_max_months": 2,
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   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
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   "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",
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   "product_label": "Business Investment Account",
   "product_url": "https://www.commbank.com.au/business/investments/business-investment-account.html",
   "segment": "business",
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   "source_snapshot": "/au/finance/term-deposits/v1/source/summerland-bank/69.json",
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   "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
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   "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDBusTermDeposit",
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   "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDBusTermDeposit.json",
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   "additional_info": "Interest paid at maturity",
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   "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-melbourne/BOMTDTermDeposit.json",
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    "Online application and online bonus rate available for personal customers and sole traders only."
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   "source_snapshot": "/au/finance/term-deposits/v1/source/broken-hill-bank/8.json",
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   "source_snapshot": "/au/finance/term-deposits/v1/source/central-murray-bank/I1_3month.json",
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   "source_snapshot": "/au/finance/term-deposits/v1/source/central-murray-bank/I1_3month.json",
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   "source_snapshot": "/au/finance/term-deposits/v1/source/central-murray-bank/I1_3month.json",
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  {
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   "product_name": "TERM DEPOSIT 3 MONTHS",
   "product_label": "Term Deposit 3 Months",
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   "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",
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   "source_snapshot": "/au/finance/term-deposits/v1/source/greater-bank/3000.json",
   "bank_last_updated": "2026-09-27T14:00:00Z"
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   "segments_inferred": [],
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   "term_max_months": 4,
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   "conditional": false,
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   "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",
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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"
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   "brand_slug": "bendigo-bank",
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   "product_label": "Term Deposit",
   "product_url": "https://www.bendigobank.com.au/personal/term-deposits/term-deposit-enquiry/",
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   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P4M",
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   "term_min_months": 4,
   "term_max_months": 4,
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   "rate": 0.036,
   "rate_pct": 3.6,
   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
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   "tier_max": 5000000.0,
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   "deposit_max": 5000000.0,
   "is_special": false,
   "conditional": false,
   "conditions": [],
   "additional_info": null,
   "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",
   "bank_last_updated": "2026-09-24T14:32:23.011Z"
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   "brand_label": "Darling Downs Bank",
   "brand_slug": "darling-downs-bank",
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   "product_name": "FIXED TERM DEPOSITS",
   "product_label": "Term Deposit (31)",
   "product_url": null,
   "segment": "personal",
   "segments": [
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   ],
   "segments_inferred": [],
   "term_raw": "P4M",
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   "term_max_months": 4,
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   "rate_type": "FIXED",
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   "tier_max": 500000.0,
   "min_balance": 200000.0,
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   "conditional": true,
   "conditions": [
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   "additional_info": null,
   "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",
   "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
  },
  {
   "brand": "Darling Downs Bank",
   "brand_label": "Darling Downs Bank",
   "brand_slug": "darling-downs-bank",
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   "product_name": "FIXED TERM DEPOSITS",
   "product_label": "Term Deposit (33)",
   "product_url": null,
   "segment": "personal",
   "segments": [
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   ],
   "segments_inferred": [],
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   "additional_info": null,
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   "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",
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   "brand_label": "Darling Downs Bank",
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   "product_name": "FIXED TERM DEPOSITS",
   "product_label": "Term Deposit (32)",
   "product_url": null,
   "segment": "personal",
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   ],
   "segments_inferred": [],
   "term_raw": "P4M",
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   "term_min_months": 4,
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   "rate_type": "FIXED",
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   "additional_info": null,
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   "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",
   "bank_last_updated": "2026-05-22T09:14:32.000+10:00"
  },
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   "brand_label": "RACQ Bank",
   "brand_slug": "racq-bank",
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   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P4M",
   "term_months": 4,
   "term_min_months": 4,
   "term_max_months": 4,
   "term_days": null,
   "term_days_min": null,
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   "rate": 0.035,
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   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
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   "tier_max": null,
   "min_balance": 1000.0,
   "max_balance": 1000000.0,
   "deposit_min": 1000.0,
   "deposit_max": 1000000.0,
   "is_special": false,
   "conditional": false,
   "conditions": [],
   "additional_info": "Interest is paid at maturity or annually if term exceeds 12 months. Rates for deposits over $1m are available on request.",
   "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",
   "bank_last_updated": "2026-09-02T22:06:11Z"
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   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
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   "segments": [
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   "segments_inferred": [],
   "term_raw": "P4M",
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   "term_min_months": 4,
   "term_max_months": 4,
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   "term_days_max": null,
   "rate": 0.035,
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   "rate_type": "FIXED+BONUS",
   "interest_paid": "at_maturity",
   "tier_min": 5000.0,
   "tier_max": null,
   "min_balance": 5000.0,
   "max_balance": 2000000.0,
   "deposit_min": 5000.0,
   "deposit_max": 2000000.0,
   "is_special": true,
   "conditional": true,
   "conditions": [
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   "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",
   "bank_last_updated": "2026-09-21T00:44:33Z"
  },
  {
   "brand": "Westpac",
   "brand_label": "Westpac",
   "brand_slug": "westpac",
   "legal_entity_abn": "33007457141",
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   "product_label": "Business Term Deposit",
   "product_url": "https://www.westpac.com.au/business-banking/savings-accounts/term-deposits/",
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   "segments": [
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   "segments_inferred": [],
   "term_raw": "P4M",
   "term_months": 4,
   "term_min_months": 4,
   "term_max_months": 4,
   "term_days": null,
   "term_days_min": null,
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   "rate": 0.035,
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   "rate_type": "FIXED+BONUS",
   "interest_paid": "at_maturity",
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   "tier_max": null,
   "min_balance": 5000.0,
   "max_balance": 2000000.0,
   "deposit_min": 5000.0,
   "deposit_max": 2000000.0,
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   "conditional": true,
   "conditions": [
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    "online bonus: open or renew online"
   ],
   "additional_info": "Includes +0.10% bonus: An additional online bonus rate will be added when you open or renew online. Applies across any rate and term, as well as on our special rate offer for terms mentioned above. Rate applies for a single term. Higher or lower rates may apply for subsequent terms. Rate will not b…",
   "stacked_bonus": 0.001,
   "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDBusTermDeposit",
   "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDBusTermDeposit.json",
   "bank_last_updated": "2026-09-21T00:44:33Z"
  },
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   "brand": "CommBank",
   "brand_label": "CommBank",
   "brand_slug": "commbank",
   "legal_entity_abn": "48123123124",
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   "product_name": "Business Investment Account",
   "product_label": "Business Investment Account",
   "product_url": "https://www.commbank.com.au/business/investments/business-investment-account.html",
   "segment": "business",
   "segments": [
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   ],
   "segments_inferred": [],
   "term_raw": "P4M",
   "term_months": 4,
   "term_min_months": 4,
   "term_max_months": 4,
   "term_days": null,
   "term_days_min": null,
   "term_days_max": null,
   "rate": 0.0345,
   "rate_pct": 3.45,
   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
   "tier_min": 1.0,
   "tier_max": 1999999.99,
   "min_balance": 5000.0,
   "max_balance": null,
   "deposit_min": 5000.0,
   "deposit_max": 1999999.99,
   "is_special": false,
   "conditional": true,
   "conditions": [
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   ],
   "additional_info": "The term of this term deposit is between 4 months to less than 5 months",
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   "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
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   "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/5669534e63ea45d0b9c0b58ead071748",
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   "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/5669534e63ea45d0b9c0b58ead071748",
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    "new customers only"
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   "source_snapshot": "/au/finance/term-deposits/v1/source/bcu-bank/102.json",
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   ],
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    "existing customers only",
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    "business"
   ],
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   "source_snapshot": "/au/finance/term-deposits/v1/source/bnk-bank-goldfields-money-bchl/1006.json",
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    "business"
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    "business"
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   ],
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   "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/6M_Online",
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    "business"
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   ],
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   "stacked_bonus": null,
   "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/6M",
   "source_snapshot": "/au/finance/term-deposits/v1/source/hume-bank/6M.json",
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   "segments_inferred": [],
   "term_raw": "P180D",
   "term_months": 6,
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   "term_max_months": 6,
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   "deposit_min": 10000.0,
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   "is_special": false,
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    "new customers only"
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   "additional_info": null,
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   "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",
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   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
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   "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",
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   "conditions": [
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   "stacked_bonus": 0.001,
   "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDBusTermDeposit",
   "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDBusTermDeposit.json",
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   "brand_label": "CommBank",
   "brand_slug": "commbank",
   "legal_entity_abn": "48123123124",
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   "product_name": "Standard Term Deposit",
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   "segments_inferred": [],
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   "term_min_months": 7,
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   "term_days": null,
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    "business"
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   "source_snapshot": "/au/finance/term-deposits/v1/source/anz/4740c27d-eb72-375d-2d25-ad256ed37b1e.json",
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    "new customers only"
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    "Online application and online bonus rate available for personal customers and sole traders only."
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   "source_snapshot": "/au/finance/term-deposits/v1/source/banksa/BSATDTermDeposit.json",
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   "max_balance": 1000000.0,
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    "new customers only"
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   "deposit_min": 1000.0,
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    "Online application and online bonus rate available for personal customers and sole traders only."
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   "stacked_bonus": null,
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   ],
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   "term_min_months": 12,
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   ],
   "additional_info": null,
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   "source_snapshot": "/au/finance/term-deposits/v1/source/macquarie-bank-limited/TD001MBLTDA001.json",
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   "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",
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   "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",
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   "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",
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   "source_snapshot": "/au/finance/term-deposits/v1/source/national-australia-bank/76a6fbec-0d25-4a57-b1e0-b30338a5d2f3.json",
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   "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/TDTermDeposit",
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   "source_snapshot": "/au/finance/term-deposits/v1/source/bank-of-us/Term_Investment.json",
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  },
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   "source_snapshot": "/au/finance/term-deposits/v1/source/westpac/TDBusTermDeposit.json",
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   "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",
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   "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",
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   "segments_inferred": [],
   "term_raw": "P60M",
   "term_months": 60,
   "term_min_months": 60,
   "term_max_months": 60,
   "term_days": null,
   "term_days_min": null,
   "term_days_max": null,
   "rate": 0.0001,
   "rate_pct": 0.01,
   "rate_type": "FIXED",
   "interest_paid": "half_yearly",
   "tier_min": 1000.0,
   "tier_max": 4999.99,
   "min_balance": 1000.0,
   "max_balance": null,
   "deposit_min": 1000.0,
   "deposit_max": 4999.99,
   "is_special": false,
   "conditional": true,
   "conditions": [
    "Must be identifiable in terms of legislative requirements"
   ],
   "additional_info": "Maximum fixed rate period. Interest is tiered and calculated daily based on the daily balance.",
   "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",
   "bank_last_updated": "2026-09-23T14:00:00Z"
  }
 ]
}