{
 "snapshot_at": "2026-10-02T09:49:55Z",
 "brand": "Cairns bank",
 "brand_slug": "cairns-bank",
 "product_id": "I1_24M_UNDER_500K",
 "cdr_url": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/I1_24M_UNDER_500K",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/I1_24M_UNDER_500K'",
 "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": {
  "constraints": [
   {
    "constraintType": "MIN_BALANCE",
    "additionalValue": "1,000"
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.0375",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "Term deposits 24mths under $500,000_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "1000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term deposits 24mths under $500,000_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "3",
      "maximumValue": "5",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P5M",
    "additionalInfoUri": "https://cairnsbank.com.au/banking/personal-banking/rates"
   }
  ],
  "productCategory": "TERM_DEPOSITS",
  "productId": "I1_24M_UNDER_500K",
  "lastUpdated": "2026-06-29T09:28:13.000+10:00",
  "name": "Term deposits 24mths under $500,000",
  "description": "Cairns Bank term deposits pay a fixed rate of interest for a fixed term with interest paid at maturity.",
  "brand": "CAIRNS PENNY SAVINGS LOANS LTD",
  "brandName": "Cairns Bank",
  "isTailored": false,
  "additionalInformation": {
   "overviewUri": "https://cairnsbank.com.au/banking/personal-banking/term-deposit-account",
   "termsUri": "https://cairnsbank.com.au/information-and-support/disclosure/terms-conditions",
   "feesAndPricingUri": "https://cairnsbank.com.au/information-and-support/disclosure/fees-and-charges"
  }
 }
}