{
 "snapshot_at": "2026-10-02T14:20:13Z",
 "brand": "Dnister",
 "brand_slug": "dnister",
 "product_id": "3",
 "cdr_url": "https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/3",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr-api.dnister.com.au/cds-au/v1/banking/products/3'",
 "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": "3",
  "effectiveFrom": "2005-06-30T14:30:00.0000000Z",
  "lastUpdated": "2026-10-02T14:00:39.3800764Z",
  "productCategory": "TERM_DEPOSITS",
  "name": "Term Deposit - 3 Months",
  "description": "Make the most of your savings and invest with our 3 month Term Deposit.",
  "brand": "Dnister Bank",
  "applicationUri": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
  "isTailored": false,
  "additionalInformation": {
   "overviewUri": "https://www.dnister.com.au/portfolio-items/term-deposits/",
   "termsUri": "https://www.dnister.com.au/wp-content/uploads/2025/10/PDS-FSG-Update-28-October-2025.pdf",
   "eligibilityUri": "https://www.dnister.com.au/portfolio-items/term-deposits/",
   "feesAndPricingUri": "https://www.dnister.com.au/fees-and-charges/"
  },
  "features": [
   {
    "featureType": "DIGITAL_BANKING",
    "additionalInfo": "Online renewal options avaliable on the same term."
   },
   {
    "featureType": "NOTIFICATIONS",
    "additionalValue": "Maturity Letters",
    "additionalInfo": "Letters are issued 2 weeks prior to maturity date with available options."
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Term Deposit Certificates are issued at opening of account."
   }
  ],
  "constraints": [
   {
    "constraintType": "MIN_BALANCE",
    "additionalValue": "1000.00"
   }
  ],
  "fees": [
   {
    "name": "Paper Statement Fee",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "4.00"
    },
    "currency": "AUD",
    "discounts": [
     {
      "description": "Only customers older than a minimum age receive the discount",
      "discountType": "ELIGIBILITY_ONLY",
      "discountMethodUType": "rateBased",
      "rateBased": {
       "rateType": "FEE",
       "rate": "1.0",
       "amountRange": {}
      },
      "eligibility": [
       {
        "discountEligibilityType": "MIN_AGE",
        "additionalValue": "67"
       }
      ]
     }
    ]
   },
   {
    "name": "Paper Statement Fee",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "6.00"
    },
    "currency": "AUD",
    "discounts": [
     {
      "description": "Only customers older than a minimum age receive the discount",
      "discountType": "ELIGIBILITY_ONLY",
      "discountMethodUType": "rateBased",
      "rateBased": {
       "rateType": "FEE",
       "rate": "1.0",
       "amountRange": {}
      },
      "eligibility": [
       {
        "discountEligibilityType": "MIN_AGE",
        "additionalValue": "67"
       }
      ]
     }
    ]
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.048",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P3M",
    "tiers": [
     {
      "name": "Interest Rate",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "1000000.00",
      "rateApplicationMethod": "PER_TIER"
     }
    ],
    "additionalValue": "P3M",
    "additionalInfo": "For balances $1,000.00 - $1,000,000.00"
   }
  ]
 }
}