{ "snapshot_at": "2026-10-02T09:50:15Z", "brand": "Firefighters Mutual Bank", "brand_slug": "firefighters-mutual-bank", "product_id": "c3156978-28ff-4ebe-8ad6-c00752995b70", "cdr_url": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/c3156978-28ff-4ebe-8ad6-c00752995b70", "x_v": 7, "how_to_fetch": "curl -H 'x-v: 7' 'https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/c3156978-28ff-4ebe-8ad6-c00752995b70'", "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": "c3156978-28ff-4ebe-8ad6-c00752995b70", "lastUpdated": "2026-09-08T09:00:51.000+10:00", "productCategory": "TERM_DEPOSITS", "name": "Term Deposit", "description": "Take advantage of great returns on our term deposits.", "brand": "FMB", "brandName": "Firefighters Mutual Bank", "applicationUri": "https://www.fmbank.com.au/banking/term-deposit", "isTailored": false, "additionalInformation": { "overviewUri": "https://www.fmbank.com.au/banking/term-deposit", "termsUri": "https://www.fmbank.com.au/content/dam/documents/collateral/conditions-of-use.pdf", "eligibilityUri": "https://www.fmbank.com.au/banking/term-deposit", "feesAndPricingUri": "https://www.fmbank.com.au/content/dam/documents/collateral/fees-and-charges.pdf" }, "features": [ { "featureType": "OTHER", "additionalInfo": "No account keeping fee" }, { "featureType": "OTHER", "additionalInfo": "A guaranteed rate for terms from 3 to 36 months" }, { "featureType": "OTHER", "additionalInfo": "Earn a competitive interest rate on your investment with a minimum opening balance of $1,000 can get you started." }, { "featureType": "OTHER", "additionalInfo": "Interest can be paid monthly, 12 monthly or at maturity." }, { "featureType": "OTHER", "additionalInfo": "For deposits of $500,000 and over, rates are by negotiation and subject to acceptance." }, { "featureType": "OTHER", "additionalInfo": "We'll send you a written renewal notice before your deposit matures." }, { "featureType": "OTHER", "additionalInfo": "If you want to withdraw your Term Deposit before it matures you'll need to give us 31 days' notice. A reduced rate of interest will apply in these circumstances. For full details refer to our Conditions of Use.", "additionalInfoUri": "https://www.fmbank.com.au/content/dam/documents/collateral/conditions-of-use.pdf" }, { "featureType": "DIGITAL_BANKING" } ], "constraints": [ { "constraintType": "OPENING_BALANCE", "additionalValue": "1000.00" }, { "constraintType": "MIN_BALANCE", "additionalValue": "1000.00" }, { "constraintType": "MAX_BALANCE", "additionalValue": "499999.99", "additionalInfo": "For deposits of $500,000 and over, rates are by negotiation and subject to acceptance." } ], "eligibility": [ { "eligibilityType": "OTHER", "additionalInfo": "You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian emergency services sector or are family members of members (i.e. shareholders) of the Bank.", "additionalInfoUri": "https://www.fmbank.com.au/banking/term-deposit" }, { "eligibilityType": "RESIDENCY_STATUS", "additionalValue": "Individuals must be citizens or permanent residents of Australia." } ], "depositRates": [ { "depositRateType": "FIXED", "rate": "0.048", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P119D", "tiers": [ { "name": "Term Deposit_Tier_1", "unitOfMeasure": "DOLLAR", "minimumValue": "1000.00", "maximumValue": "4999.99", "rateApplicationMethod": "WHOLE_BALANCE" }, { "name": "Term Deposit_Tier_1", "unitOfMeasure": "DAY", "minimumValue": "90", "maximumValue": "119", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P119D" }, { "depositRateType": "FIXED", "rate": "0.048", 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"maximumValue": "9999999.00", "rateApplicationMethod": "WHOLE_BALANCE" }, { "name": "Term Deposit_Tier_2", "unitOfMeasure": "MONTH", "minimumValue": "10", "maximumValue": "10", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P10M" }, { "depositRateType": "FIXED", "rate": "0.04", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P11M", "tiers": [ { "name": "Term Deposit_Tier_1", "unitOfMeasure": "DOLLAR", "minimumValue": "1000.00", "maximumValue": "4999.99", "rateApplicationMethod": "WHOLE_BALANCE" }, { "name": "Term Deposit_Tier_1", "unitOfMeasure": "MONTH", "minimumValue": "11", "maximumValue": "11", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P11M" }, { "depositRateType": "FIXED", "rate": "0.04", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P11M", "tiers": [ { "name": "Term Deposit_Tier_2", "unitOfMeasure": "DOLLAR", "minimumValue": "5000.00", "maximumValue": 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"rateApplicationMethod": "WHOLE_BALANCE" }, { "name": "Term Deposit_Tier_2", "unitOfMeasure": "MONTH", "minimumValue": "12", "maximumValue": "12", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P12M" }, { "depositRateType": "FIXED", "rate": "0.04", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P17M", "tiers": [ { "name": "Term Deposit_Tier_1", "unitOfMeasure": "DOLLAR", "minimumValue": "1000.00", "maximumValue": "4999.99", "rateApplicationMethod": "WHOLE_BALANCE" }, { "name": "Term Deposit_Tier_1", "unitOfMeasure": "MONTH", "minimumValue": "13", "maximumValue": "17", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P17M" }, { "depositRateType": "FIXED", "rate": "0.04", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P17M", "tiers": [ { "name": "Term Deposit_Tier_2", "unitOfMeasure": "DOLLAR", "minimumValue": "5000.00", "maximumValue": "9999999.00", "rateApplicationMethod": "WHOLE_BALANCE" }, { "name": "Term Deposit_Tier_2", "unitOfMeasure": "MONTH", "minimumValue": "13", "maximumValue": "17", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P17M" }, { "depositRateType": "FIXED", "rate": "0.04", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P23M", "tiers": [ { "name": "Term Deposit_Tier_1", "unitOfMeasure": "DOLLAR", "minimumValue": "1000.00", "maximumValue": "4999.99", "rateApplicationMethod": "WHOLE_BALANCE" }, { "name": "Term Deposit_Tier_1", "unitOfMeasure": "MONTH", "minimumValue": "18", "maximumValue": "23", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P23M" }, { "depositRateType": "FIXED", "rate": "0.04", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P23M", "tiers": [ { "name": "Term Deposit_Tier_2", "unitOfMeasure": "DOLLAR", "minimumValue": "5000.00", "maximumValue": "9999999.00", "rateApplicationMethod": "WHOLE_BALANCE" }, { "name": "Term Deposit_Tier_2", "unitOfMeasure": "MONTH", "minimumValue": "18", "maximumValue": "23", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P23M" }, { "depositRateType": "FIXED", "rate": "0.04", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P35M", "tiers": [ { "name": "Term Deposit_Tier_1", "unitOfMeasure": "DOLLAR", "minimumValue": "1000.00", "maximumValue": "4999.99", "rateApplicationMethod": "WHOLE_BALANCE" }, { "name": "Term Deposit_Tier_1", "unitOfMeasure": "MONTH", "minimumValue": "24", "maximumValue": "35", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P35M" }, { "depositRateType": "FIXED", "rate": "0.04", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P35M", "tiers": [ { "name": "Term Deposit_Tier_2", "unitOfMeasure": "DOLLAR", "minimumValue": "5000.00", "maximumValue": "9999999.00", "rateApplicationMethod": "WHOLE_BALANCE" }, { "name": "Term Deposit_Tier_2", "unitOfMeasure": "MONTH", "minimumValue": "24", "maximumValue": "35", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P35M" }, { "depositRateType": "FIXED", "rate": "0.04", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P36M", "tiers": [ { "name": "Term Deposit_Tier_1", "unitOfMeasure": "DOLLAR", "minimumValue": "1000.00", "maximumValue": "4999.99", "rateApplicationMethod": "WHOLE_BALANCE" }, { "name": "Term Deposit_Tier_1", "unitOfMeasure": "MONTH", "minimumValue": "36", "maximumValue": "36", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P36M" }, { "depositRateType": "FIXED", "rate": "0.04", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P36M", "tiers": [ { "name": "Term Deposit_Tier_2", "unitOfMeasure": "DOLLAR", "minimumValue": "5000.00", "maximumValue": "9999999.00", "rateApplicationMethod": "WHOLE_BALANCE" }, { "name": "Term Deposit_Tier_2", "unitOfMeasure": "MONTH", "minimumValue": "36", "maximumValue": "36", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P36M" } ] } }