{
 "snapshot_at": "2026-10-02T09:50:23Z",
 "brand": "Geelong Bank",
 "brand_slug": "geelong-bank",
 "product_id": "I10",
 "cdr_url": "https://online.geelongbank.com.au/OpenBanking/cds-au/v1/banking/products/I10",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://online.geelongbank.com.au/OpenBanking/cds-au/v1/banking/products/I10'",
 "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"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "No account keeping fee"
   },
   {
    "featureType": "NOTIFICATIONS",
    "additionalValue": "Maturity reminders",
    "additionalInfo": "We'll send you a written renewal notice before your deposit matures.",
    "additionalInfoUri": "https://geelongbank.com.au/savings-loans/savings-investment-accounts/term-deposits-and-regular-income-accounts/"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "If you want to withdraw your Term Deposit before it matures a reduced rate of interest will apply in these circumstances.",
    "additionalInfoUri": "https://geelongbank.com.au/savings-loans/rates-fees/deposit-account-fees-charges/"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "eStatements available"
   },
   {
    "featureType": "NOTIFICATIONS",
    "additionalValue": "Alerts",
    "additionalInfo": "Receive notifications of maturity via SMS and email"
   }
  ],
  "constraints": [
   {
    "constraintType": "OPENING_BALANCE",
    "additionalValue": "5000.00"
   },
   {
    "constraintType": "MIN_BALANCE",
    "additionalValue": "5000.00"
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "RESIDENCY_STATUS",
    "additionalValue": "Individuals must be citizens or permanent residents of Australia."
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.031",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "Regular Income Plus for 3 months_Tier_1",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "500.00",
      "maximumValue": "4999.99",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Regular Income Plus for 3 months_Tier_1",
      "unitOfMeasure": "MONTH",
      "minimumValue": "3",
      "maximumValue": "3",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P3M"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.031",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "Regular Income Plus for 3 months_Tier_2",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "maximumValue": "24999.99",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Regular Income Plus for 3 months_Tier_2",
      "unitOfMeasure": "MONTH",
      "minimumValue": "3",
      "maximumValue": "3",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P3M"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.032",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "Regular Income Plus for 3 months_Tier_3",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "25000.00",
      "maximumValue": "49999.99",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Regular Income Plus for 3 months_Tier_3",
      "unitOfMeasure": "MONTH",
      "minimumValue": "3",
      "maximumValue": "3",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P3M"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.033",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "Regular Income Plus for 3 months_Tier_4",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "50000.00",
      "maximumValue": "1000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Regular Income Plus for 3 months_Tier_4",
      "unitOfMeasure": "MONTH",
      "minimumValue": "3",
      "maximumValue": "3",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P3M"
   }
  ],
  "productCategory": "TERM_DEPOSITS",
  "productId": "I10",
  "lastUpdated": "2026-05-25T10:14:13.000+10:00",
  "name": "Regular Income Plus for 3 months",
  "description": "Take advantage of great returns on our term deposits.",
  "brand": "FORD COOPERATIVE CREDIT SOCIETY",
  "brandName": "GEELONG BANK",
  "applicationUri": "https://geelongbank.com.au/tools/forms/",
  "isTailored": false,
  "additionalInformation": {
   "overviewUri": "https://geelongbank.com.au/savings-loans/savings-investment-accounts/term-deposits-and-regular-income-accounts/",
   "termsUri": "https://geelongbank.com.au/savings-loans/savings-investment-accounts/term-deposits-and-regular-income-accounts#Text-6b084-Specific_Terms_and_Conditions",
   "eligibilityUri": "https://geelongbank.com.au/about-us/why-join-geelong-bank/",
   "feesAndPricingUri": "https://geelongbank.com.au/savings-loans/savings-investment-accounts/term-deposits-and-regular-income-accounts#Text-f8b22-Fixed_Term_Deposit_rates"
  }
 }
}