{
 "snapshot_at": "2026-10-02T09:49:25Z",
 "brand": "ANZ",
 "brand_slug": "anz",
 "product_id": "4438b7ed-e889-1ff0-4599-4524d5f55ae3",
 "cdr_url": "https://api.anz/cds-au/v1/banking/products/4438b7ed-e889-1ff0-4599-4524d5f55ae3",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://api.anz/cds-au/v1/banking/products/4438b7ed-e889-1ff0-4599-4524d5f55ae3'",
 "note": "Verbatim copy of the bank's Consumer Data Right product detail response as fetched by Deep Almanac. The live endpoint requires the x-v header shown. snapshot_at is when this version of the record was first fetched; the file is rewritten only when the bank's data changes.",
 "data": {
  "additionalInformation": {
   "feesAndPricingUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/personal-account-fees-charges.pdf?MOD=AJPERES",
   "termsUri": "http://www.anz.com/auxiliary/rates-fees-terms/fees-terms-conditions/?CID=af:obank:sv#FTPDS"
  },
  "brand": "ANZ",
  "cardArt": [],
  "description": "Enjoy the security of a fixed rate of interest over the investment term of your choice.",
  "isTailored": false,
  "lastUpdated": "2026-03-02T06:00:00.000Z",
  "name": "ANZ Term Deposit",
  "productCategory": "TERM_DEPOSITS",
  "productId": "4438b7ed-e889-1ff0-4599-4524d5f55ae3",
  "bundles": [],
  "constraints": [
   {
    "additionalValue": "5000.00",
    "constraintType": "MIN_BALANCE"
   }
  ],
  "depositRates": [
   {
    "additionalInfo": "7 Days - < 1 month, Maturity Interest",
    "additionalValue": "P7D",
    "applicabilityConditions": [],
    "applicationType": "MATURITY",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0005",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "7 days - < 1 month",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "30",
      "minimumValue": "7",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DAY"
     }
    ]
   },
   {
    "additionalInfo": "1-2 Months, Maturity Interest",
    "additionalValue": "P1M",
    "applicabilityConditions": [],
    "applicationType": "MATURITY",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0005",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "1-2 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "2",
      "minimumValue": "1",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "2-3 Months, Maturity Interest",
    "additionalValue": "P2M",
    "applicabilityConditions": [],
    "applicationType": "MATURITY",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0005",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "2-3 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "3",
      "minimumValue": "2",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "3-4 Months, Maturity Interest",
    "additionalValue": "P3M",
    "applicabilityConditions": [],
    "applicationType": "MATURITY",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0005",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "3-4 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "4",
      "minimumValue": "3",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "4-5 Months, Maturity Interest",
    "additionalValue": "P4M",
    "applicabilityConditions": [],
    "applicationType": "MATURITY",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0005",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "4-5 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "5",
      "minimumValue": "4",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "5-6 Months, Maturity Interest",
    "additionalValue": "P5M",
    "applicabilityConditions": [],
    "applicationType": "MATURITY",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0005",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "5-6 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "6",
      "minimumValue": "5",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "6-7 Months, Maturity Interest",
    "additionalValue": "P6M",
    "applicabilityConditions": [],
    "applicationType": "MATURITY",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.001",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "6-7 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "7",
      "minimumValue": "6",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "7-8 Months, Maturity Interest",
    "additionalValue": "P7M",
    "applicabilityConditions": [],
    "applicationType": "MATURITY",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.001",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "7-8 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "8",
      "minimumValue": "7",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "8-9 Months, Maturity Interest",
    "additionalValue": "P8M",
    "applicabilityConditions": [],
    "applicationType": "MATURITY",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.001",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "8-9 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "9",
      "minimumValue": "8",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "9-10 Months, Maturity Interest",
    "additionalValue": "P9M",
    "applicabilityConditions": [],
    "applicationType": "MATURITY",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.001",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "9-10 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "10",
      "minimumValue": "9",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "10-11 Months, Maturity Interest",
    "additionalValue": "P10M",
    "applicabilityConditions": [],
    "applicationType": "MATURITY",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.001",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "10-11 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "11",
      "minimumValue": "10",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "11-12 Months, Maturity Interest",
    "additionalValue": "P11M",
    "applicabilityConditions": [],
    "applicationType": "MATURITY",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.001",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "11-12 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "12",
      "minimumValue": "11",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "2-3 Months, Monthly Interest",
    "additionalValue": "P2M",
    "applicabilityConditions": [],
    "applicationFrequency": "P1M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0005",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "2-3 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "3",
      "minimumValue": "2",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "3-4 Months, Monthly Interest",
    "additionalValue": "P3M",
    "applicabilityConditions": [],
    "applicationFrequency": "P1M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0005",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "3-4 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "4",
      "minimumValue": "3",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "4-5 Months, Monthly Interest",
    "additionalValue": "P4M",
    "applicabilityConditions": [],
    "applicationFrequency": "P1M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0005",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "4-5 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "5",
      "minimumValue": "4",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "5-6 Months, Monthly Interest",
    "additionalValue": "P5M",
    "applicabilityConditions": [],
    "applicationFrequency": "P1M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0005",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "5-6 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "6",
      "minimumValue": "5",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "6-7 Months, Monthly Interest",
    "additionalValue": "P6M",
    "applicabilityConditions": [],
    "applicationFrequency": "P1M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.001",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "6-7 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "7",
      "minimumValue": "6",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "7-8 Months, Monthly Interest",
    "additionalValue": "P7M",
    "applicabilityConditions": [],
    "applicationFrequency": "P1M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.001",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "7-8 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "8",
      "minimumValue": "7",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "8-9 Months, Monthly Interest",
    "additionalValue": "P8M",
    "applicabilityConditions": [],
    "applicationFrequency": "P1M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.001",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "8-9 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "9",
      "minimumValue": "8",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "9-10 Months, Monthly Interest",
    "additionalValue": "P9M",
    "applicabilityConditions": [],
    "applicationFrequency": "P1M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.001",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "9-10 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "10",
      "minimumValue": "9",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "10-11 Months, Monthly Interest",
    "additionalValue": "P10M",
    "applicabilityConditions": [],
    "applicationFrequency": "P1M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.001",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "10-11 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "11",
      "minimumValue": "10",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "11-12 Months, Monthly Interest",
    "additionalValue": "P11M",
    "applicabilityConditions": [],
    "applicationFrequency": "P1M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.001",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "11-12 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "12",
      "minimumValue": "11",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "12-24 Months, Monthly Interest",
    "additionalValue": "P12M",
    "applicabilityConditions": [],
    "applicationFrequency": "P1M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0015",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "12-24 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "24",
      "minimumValue": "12",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "24-36 Months, Monthly Interest",
    "additionalValue": "P24M",
    "applicabilityConditions": [],
    "applicationFrequency": "P1M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0015",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "24-36 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "36",
      "minimumValue": "24",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "36-48 Months, Monthly Interest",
    "additionalValue": "P36M",
    "applicabilityConditions": [],
    "applicationFrequency": "P1M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0015",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "36-48 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "48",
      "minimumValue": "36",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "48-60 Months, Monthly Interest",
    "additionalValue": "P48M",
    "applicabilityConditions": [],
    "applicationFrequency": "P1M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0015",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "48-60 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "60",
      "minimumValue": "48",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "4-5 Months, Quarterly Interest",
    "additionalValue": "P4M",
    "applicabilityConditions": [],
    "applicationFrequency": "P3M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0005",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "4-5 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "5",
      "minimumValue": "4",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "5-6 Months, Quarterly Interest",
    "additionalValue": "P5M",
    "applicabilityConditions": [],
    "applicationFrequency": "P3M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0005",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "5-6 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "6",
      "minimumValue": "5",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "6-7 Months, Quarterly Interest",
    "additionalValue": "P6M",
    "applicabilityConditions": [],
    "applicationFrequency": "P3M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.001",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "6-7 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "7",
      "minimumValue": "6",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "7-8 Months, Quarterly Interest",
    "additionalValue": "P7M",
    "applicabilityConditions": [],
    "applicationFrequency": "P3M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.001",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "7-8 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "8",
      "minimumValue": "7",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "8-9 Months, Quarterly Interest",
    "additionalValue": "P8M",
    "applicabilityConditions": [],
    "applicationFrequency": "P3M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.001",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "8-9 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "9",
      "minimumValue": "8",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "9-10 Months, Quarterly Interest",
    "additionalValue": "P9M",
    "applicabilityConditions": [],
    "applicationFrequency": "P3M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.001",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "9-10 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "10",
      "minimumValue": "9",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "10-11 Months, Quarterly Interest",
    "additionalValue": "P10M",
    "applicabilityConditions": [],
    "applicationFrequency": "P3M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.001",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "10-11 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "11",
      "minimumValue": "10",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "11-12 Months, Quarterly Interest",
    "additionalValue": "P11M",
    "applicabilityConditions": [],
    "applicationFrequency": "P3M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.001",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "11-12 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "12",
      "minimumValue": "11",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "12-24 Months, Quarterly Interest",
    "additionalValue": "P12M",
    "applicabilityConditions": [],
    "applicationFrequency": "P3M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0015",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "12-24 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "24",
      "minimumValue": "12",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "24-36 Months, Quarterly Interest",
    "additionalValue": "P24M",
    "applicabilityConditions": [],
    "applicationFrequency": "P3M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0015",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "24-36 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "36",
      "minimumValue": "24",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "36-48 Months, Quarterly Interest",
    "additionalValue": "P36M",
    "applicabilityConditions": [],
    "applicationFrequency": "P3M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0015",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "36-48 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "48",
      "minimumValue": "36",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "48-60 Months, Quarterly Interest",
    "additionalValue": "P48M",
    "applicabilityConditions": [],
    "applicationFrequency": "P3M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0015",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "48-60 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "60",
      "minimumValue": "48",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "7-8 Months, Half Yearly Interest",
    "additionalValue": "P7M",
    "applicabilityConditions": [],
    "applicationFrequency": "P6M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.001",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "7-8 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "8",
      "minimumValue": "7",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "8-9 Months, Half Yearly Interest",
    "additionalValue": "P8M",
    "applicabilityConditions": [],
    "applicationFrequency": "P6M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.001",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "8-9 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "9",
      "minimumValue": "8",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "9-10 Months, Half Yearly Interest",
    "additionalValue": "P9M",
    "applicabilityConditions": [],
    "applicationFrequency": "P6M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.001",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "9-10 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "10",
      "minimumValue": "9",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "10-11 Months, Half Yearly Interest",
    "additionalValue": "P10M",
    "applicabilityConditions": [],
    "applicationFrequency": "P6M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.001",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "10-11 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "11",
      "minimumValue": "10",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "11-12 Months, Half Yearly Interest",
    "additionalValue": "P11M",
    "applicabilityConditions": [],
    "applicationFrequency": "P6M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.001",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "11-12 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "12",
      "minimumValue": "11",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "12-24 Months, Half Yearly Interest",
    "additionalValue": "P12M",
    "applicabilityConditions": [],
    "applicationFrequency": "P6M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0015",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "12-24 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "24",
      "minimumValue": "12",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "24-36 Months, Half Yearly Interest",
    "additionalValue": "P24M",
    "applicabilityConditions": [],
    "applicationFrequency": "P6M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0015",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "24-36 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "36",
      "minimumValue": "24",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "36-48 Months, Half Yearly Interest",
    "additionalValue": "P36M",
    "applicabilityConditions": [],
    "applicationFrequency": "P6M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0015",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "36-48 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "48",
      "minimumValue": "36",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "48-60 Months, Half Yearly Interest",
    "additionalValue": "P48M",
    "applicabilityConditions": [],
    "applicationFrequency": "P6M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0015",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "48-60 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "60",
      "minimumValue": "48",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "12-24 Months, Annual Interest",
    "additionalValue": "P12M",
    "applicabilityConditions": [],
    "applicationFrequency": "P1Y",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0015",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "12-24 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "24",
      "minimumValue": "12",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "24-36 Months, Annual Interest",
    "additionalValue": "P24M",
    "applicabilityConditions": [],
    "applicationFrequency": "P1Y",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0015",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "24-36 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "36",
      "minimumValue": "24",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "36-48 Months, Annual Interest",
    "additionalValue": "P36M",
    "applicabilityConditions": [],
    "applicationFrequency": "P1Y",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0015",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "36-48 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "48",
      "minimumValue": "36",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "48-60 Months, Annual Interest",
    "additionalValue": "P48M",
    "applicabilityConditions": [],
    "applicationFrequency": "P1Y",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0015",
    "tiers": [
     {
      "applicabilityConditions": [
       {
        "additionalInfo": "48-60 months",
        "rateApplicabilityType": "OTHER"
       }
      ],
      "maximumValue": "60",
      "minimumValue": "48",
      "name": "Term",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   }
  ],
  "eligibility": [
   {
    "additionalInfo": "You must be 12 years of age or older to apply",
    "additionalValue": "12",
    "eligibilityType": "MIN_AGE"
   },
   {
    "additionalInfo": "You will need an existing ANZ everyday account or ANZ savings account",
    "eligibilityType": "OTHER"
   },
   {
    "additionalValue": "You must be an Australian resident with an Australian residential and mailing address.",
    "eligibilityType": "RESIDENCY_STATUS"
   }
  ],
  "features": [
   {
    "additionalInfo": "Access using ANZ Internet Banking or ANZ App",
    "additionalInfoUri": "https://www.anz.com.au/ways-to-bank/internet-banking/personal/?CID=af:obank:sv",
    "featureType": "DIGITAL_BANKING"
   },
   {
    "additionalInfo": "Fixed returns\nWith a minimum investment of $5,000  you can enjoy the certainty of fixed returns over your investment term.",
    "featureType": "OTHER"
   },
   {
    "additionalInfo": "Choice of terms and payments\nChoose the length of term from one month to five years. Receive interest payments monthly, quarterly, half yearly or annually on selected terms.",
    "featureType": "OTHER"
   },
   {
    "additionalInfo": "Choose to have interest paid monthly, quarterly, half-yearly or annually",
    "featureType": "OTHER"
   }
  ],
  "fees": [
   {
    "additionalInfo": "Administration fee for withdrawing funds before the maturity date. The account will also incur an interest reduction in respect of the money withdrawn or transferred early based on the percentage of the original term that has elapsed. Refer to the terms and conditions on anz.com.",
    "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/saving-transaction-products-tcs.pdf?CID=af:obank:sv",
    "currency": "AUD",
    "discounts": [],
    "feeMethodUType": "fixedAmount",
    "feeType": "WITHDRAWAL",
    "fixedAmount": {
     "amount": "30.00"
    },
    "name": "Early Withdrawal"
   }
  ],
  "lendingRates": []
 }
}