{
 "snapshot_at": "2026-10-02T09:50:06Z",
 "brand": "Darling Downs Bank",
 "brand_slug": "darling-downs-bank",
 "product_id": "I2_3M_$50,000-$199,999",
 "cdr_url": "https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_3M_%2450%2C000-%24199%2C999",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://ibanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_3M_%2450%2C000-%24199%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"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "No account keeping fee"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "A guaranteed rate for terms of 3 months"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Earn a competitive interest rate on your investment with a minimum opening balance of $50,000 can get you started"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Interest can be paid monthly, or at maturity. A reduced interest applies to monthly interest payments"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "We'll send you a written renewal notice before your deposit matures"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "We may allow early withdrawals at our absolute discretion. A reduced rate of interest will apply in these circumstances. For full details refer to our Conditions of Use"
   }
  ],
  "constraints": [
   {
    "constraintType": "OPENING_BALANCE",
    "additionalValue": "50000.00",
    "additionalInfo": "Minimum Balance $50,000"
   },
   {
    "constraintType": "MAX_BALANCE",
    "additionalValue": "199999.00",
    "additionalInfo": "Maximum Balance $199,999"
   },
   {
    "constraintType": "MIN_BALANCE",
    "additionalValue": "50000.00"
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "RESIDENCY_STATUS",
    "additionalInfo": "Individuals must be citizens or permanent residents of Australia"
   },
   {
    "eligibilityType": "OTHER",
    "additionalInfo": "Must be a member of the Credit Union"
   }
  ],
  "fees": [
   {
    "name": "STATEMENT_FEE",
    "feeType": "PERIODIC",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "2.00"
    },
    "currency": "AUD",
    "additionalInfo": "When paper statements are requested - charged on statement cycle"
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.0405",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "FIXED TERM DEPOSITS_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "50000.00",
      "maximumValue": "199999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "FIXED TERM DEPOSITS_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "3",
      "maximumValue": "3",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P3M"
   }
  ],
  "productCategory": "TERM_DEPOSITS",
  "productId": "I2_3M_$50,000-$199,999",
  "lastUpdated": "2026-05-22T09:14:32.000+10:00",
  "name": "FIXED TERM DEPOSITS",
  "description": "Take advantage of great returns on our term deposits",
  "brand": "WARWICK CREDIT UNION",
  "brandName": "WARWICK CREDIT UNION",
  "isTailored": false,
  "additionalInformation": {}
 }
}