{
 "snapshot_at": "2026-10-02T09:50:04Z",
 "brand": "CommFCU",
 "brand_slug": "commfcu",
 "product_id": "I36-TD-36-ANL",
 "cdr_url": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/I36-TD-36-ANL",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/I36-TD-36-ANL'",
 "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": "5000.00",
    "additionalInfo": "Minimum deposit amount"
   }
  ],
  "fees": [
   {
    "name": "COPY_OF_STATEMENT_(ALREADY_ISSUED)",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "1.50"
    },
    "currency": "AUD",
    "additionalInfo": "Charged per page. For statements issued prior to January 1997 the fee is $3 per page.",
    "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.0475",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P12M",
    "tiers": [
     {
      "name": "TERM DEPOSITS - 36 MONTHS INTEREST ON MATURITY_Tier_1",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "maximumValue": "5000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "TERM DEPOSITS - 36 MONTHS INTEREST ON MATURITY_Tier_1",
      "unitOfMeasure": "MONTH",
      "minimumValue": "36",
      "maximumValue": "36",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P36M",
    "additionalInfoUri": "https://communityfirst.com.au/products/term-deposits"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0475",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P12M",
    "tiers": [
     {
      "name": "TERM DEPOSITS - 36 MONTHS INTEREST ON MATURITY_Tier_2",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.01",
      "maximumValue": "49999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "TERM DEPOSITS - 36 MONTHS INTEREST ON MATURITY_Tier_2",
      "unitOfMeasure": "MONTH",
      "minimumValue": "36",
      "maximumValue": "36",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P36M",
    "additionalInfoUri": "https://communityfirst.com.au/products/term-deposits"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0475",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P12M",
    "tiers": [
     {
      "name": "TERM DEPOSITS - 36 MONTHS INTEREST ON MATURITY_Tier_3",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "49999.01",
      "maximumValue": "99999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "TERM DEPOSITS - 36 MONTHS INTEREST ON MATURITY_Tier_3",
      "unitOfMeasure": "MONTH",
      "minimumValue": "36",
      "maximumValue": "36",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P36M",
    "additionalInfoUri": "https://communityfirst.com.au/products/term-deposits"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0475",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P12M",
    "tiers": [
     {
      "name": "TERM DEPOSITS - 36 MONTHS INTEREST ON MATURITY_Tier_4",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "99999.01",
      "maximumValue": "249999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "TERM DEPOSITS - 36 MONTHS INTEREST ON MATURITY_Tier_4",
      "unitOfMeasure": "MONTH",
      "minimumValue": "36",
      "maximumValue": "36",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P36M",
    "additionalInfoUri": "https://communityfirst.com.au/products/term-deposits"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0475",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P12M",
    "tiers": [
     {
      "name": "TERM DEPOSITS - 36 MONTHS INTEREST ON MATURITY_Tier_5",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "249999.01",
      "maximumValue": "1000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "TERM DEPOSITS - 36 MONTHS INTEREST ON MATURITY_Tier_5",
      "unitOfMeasure": "MONTH",
      "minimumValue": "36",
      "maximumValue": "36",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P36M",
    "additionalInfoUri": "https://communityfirst.com.au/products/term-deposits"
   }
  ],
  "productCategory": "TERM_DEPOSITS",
  "productId": "I36-TD-36-ANL",
  "effectiveFrom": "2026-05-15T00:00:00.000+10:00",
  "lastUpdated": "2026-06-12T11:11:19.000+10:00",
  "name": "TERM DEPOSITS - 36 MONTHS INTEREST ON MATURITY",
  "description": "Lock in a fixed return for your savings at a competitive interest rate for 3 years. A Community First term deposit is a safe and secure way to invest your money when you want certainty.",
  "brand": "C",
  "brandName": "Community First Credit Union",
  "applicationUri": "https://communityfirst.com.au/products/term-deposits",
  "isTailored": false,
  "additionalInformation": {
   "overviewUri": "https://communityfirst.com.au/products/term-deposits",
   "termsUri": "https://communityfirst.com.au/support/important-information/disclosure-documents",
   "eligibilityUri": "https://communityfirst.com.au/support/important-information/disclosure-documents",
   "feesAndPricingUri": "https://communityfirst.com.au/tools/rates-and-fees"
  }
 }
}