{
 "snapshot_at": "2026-10-02T09:50:06Z",
 "brand": "Darling Downs Bank",
 "brand_slug": "darling-downs-bank",
 "product_id": "I2_12M_$500-$4,999",
 "cdr_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_12M_%24500-%244%2C999",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_12M_%24500-%244%2C999'",
 "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": {
  "features": [
   {
    "featureType": "DIGITAL_BANKING",
    "additionalInfo": "Internet Banking and WCU Connect App - Deposits and balance enquires only"
   }
  ],
  "constraints": [
   {
    "constraintType": "OPENING_BALANCE",
    "additionalValue": "500.00",
    "additionalInfo": "Minimum Balance $500"
   },
   {
    "constraintType": "MAX_BALANCE",
    "additionalValue": "4999.00",
    "additionalInfo": "Maximum Balance $4,999"
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.0275",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "FIXED TERM DEPOSITS_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "500.00",
      "maximumValue": "4999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "FIXED TERM DEPOSITS_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "maximumValue": "12",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P12M",
    "additionalInfo": "Applies on early redemption of TD"
   }
  ],
  "productCategory": "TERM_DEPOSITS",
  "productId": "I2_12M_$500-$4,999",
  "lastUpdated": "2026-05-22T09:14:32.000+10:00",
  "name": "FIXED TERM DEPOSITS",
  "description": "FIXED TERM DEPOSITS",
  "brand": "WARWICK CREDIT UNION",
  "brandName": "WARWICK CREDIT UNION",
  "isTailored": false,
  "additionalInformation": {}
 }
}