{
 "snapshot_at": "2026-10-02T09:49:48Z",
 "brand": "Beyond Bank Australia",
 "brand_slug": "beyond-bank-australia",
 "product_id": "48",
 "cdr_url": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/48",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/48'",
 "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": {
  "productId": "48",
  "effectiveFrom": "2001-07-16T14:30:00.0000000Z",
  "lastUpdated": "2026-09-28T12:00:30.9399881Z",
  "productCategory": "TERM_DEPOSITS",
  "name": "INV - 12 Mth FMD Trf 12 Mthly",
  "description": "Farm Management Deposit Accounts are fixed term accounts that allows primary producers to set aside pre-tax income in profitable years to establish cash reserves to help meet costs in low-income years when they need it most.",
  "brand": "BYD",
  "brandName": "Beyond Bank Australia",
  "applicationUri": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/farm-management-deposits/",
  "isTailored": false,
  "additionalInformation": {
   "overviewUri": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/farm-management-deposits/",
   "termsUri": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/farm-management-deposits/",
   "eligibilityUri": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/farm-management-deposits/",
   "feesAndPricingUri": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/farm-management-deposits/"
  },
  "constraints": [
   {
    "constraintType": "MAX_BALANCE",
    "additionalValue": "800000.00",
    "additionalInfo": "Total balance of all FMD accounts held by the same person must not exceed $800,000 at any time."
   },
   {
    "constraintType": "MIN_BALANCE",
    "additionalValue": "2000.00",
    "additionalInfo": "Minimum initial investment from $2,000.00  Any further deposit or withdrawal must be at least $1,000.00"
   },
   {
    "constraintType": "OPENING_BALANCE",
    "additionalValue": "2000.00",
    "additionalInfo": "Minimum initial investment from $2,000.00"
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "OTHER",
    "additionalInfo": "Eligibility: available to anyone who is a primary producer when the deposit is made. Other conditions apply.",
    "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/farm-management-deposits/"
   },
   {
    "eligibilityType": "OTHER",
    "additionalInfo": "Membership: You must be or become a Beyond Bank Australia member.",
    "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/farm-management-deposits/"
   },
   {
    "eligibilityType": "OTHER",
    "additionalInfo": "Taxation benefits may be available to Primary Producers as part of the Farm Management Deposit scheme and subject to qualifying criteria and terms and conditions.",
    "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/farm-management-deposits/"
   },
   {
    "eligibilityType": "OTHER",
    "additionalInfo": "Securely backed by the Government Guarantee.",
    "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/farm-management-deposits/"
   }
  ],
  "fees": [
   {
    "name": "Early Redemption Administration Fee",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "25.00"
    },
    "currency": "AUD",
    "additionalInfo": "This fee is payable should the depositor choose to withdraw funds (in whole or in part) prior to the maturity date.  A 31 day notice period is required.  An interest penalty may also apply.",
    "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/farm-management-deposits/"
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.049",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P12M",
    "tiers": [
     {
      "name": "Tier 1",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "2000.00",
      "maximumValue": "49999.99",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Tier 1",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12.00",
      "maximumValue": "12.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P12M",
    "additionalInfo": "Interest paid on maturity into a nominated account.",
    "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/farm-management-deposits/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0515",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P12M",
    "tiers": [
     {
      "name": "Tier 2",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "50000.00",
      "maximumValue": "199999.99",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Tier 2",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12.00",
      "maximumValue": "12.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P12M",
    "additionalInfo": "Interest paid on maturity into a nominated account.",
    "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/farm-management-deposits/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.052",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P12M",
    "tiers": [
     {
      "name": "Tier 3",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "200000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Tier 3",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12.00",
      "maximumValue": "12.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P12M",
    "additionalInfo": "Interest paid on maturity into a nominated account.",
    "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/farm-management-deposits/"
   }
  ]
 }
}