{
 "snapshot_at": "2026-10-02T09:50:23Z",
 "brand": "gmcu",
 "brand_slug": "gmcu",
 "product_id": "Monthly_Income_Term_Deposit-_12_months",
 "cdr_url": "https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Monthly_Income_Term_Deposit-_12_months",
 "x_v": 6,
 "how_to_fetch": "curl -H 'x-v: 6' 'https://secure.gmcu.com.au/OpenBanking/cds-au/v1/banking/products/Monthly_Income_Term_Deposit-_12_months'",
 "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": "OTHER",
    "additionalInfo": "If you withdraw all or part of your deposit before maturity, the amount you withdraw early will be subject to a reduced return."
   },
   {
    "featureType": "DIGITAL_BANKING",
    "additionalInfo": "Enquiry access only."
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "We offer terms of 6 months, 12 months or 24 months."
   }
  ],
  "constraints": [
   {
    "constraintType": "OPENING_BALANCE",
    "additionalValue": "3000.00"
   },
   {
    "constraintType": "MIN_BALANCE",
    "additionalValue": "3000.00"
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "NATURAL_PERSON"
   },
   {
    "eligibilityType": "OTHER",
    "additionalInfo": "You must become a member. Visit our website for more details.",
    "additionalInfoUri": "https://www.gmcu.com.au/help/join-gmcu/become-a-member/"
   }
  ],
  "fees": [
   {
    "name": "EARLY_WITHDRAWAL_INT_ADJ",
    "feeType": "CASH_ADVANCE",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "0.00"
    },
    "feeCap": "0.00",
    "currency": "AUD",
    "additionalInfo": "Interest rate is reduced when any amount is withdrawn from a Term Deposit before the maturity date.",
    "additionalInfoUri": "https://www.gmcu.com.au/pds"
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.0025",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "Monthly Income Term Deposit - 12 Months_Tier_1",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "3000.00",
      "maximumValue": "4999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Monthly Income Term Deposit - 12 Months_Tier_1",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "maximumValue": "12",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P12M",
    "additionalInfoUri": "https://www.gmcu.com.au/help/interest-rates/deposit-rates/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.048",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "Monthly Income Term Deposit - 12 Months_Tier_2",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "4999.01",
      "maximumValue": "1000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Monthly Income Term Deposit - 12 Months_Tier_2",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "maximumValue": "12",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P12M",
    "additionalInfoUri": "https://www.gmcu.com.au/help/interest-rates/deposit-rates/"
   }
  ],
  "productId": "Monthly_Income_Term_Deposit-_12_months",
  "lastUpdated": "2026-08-17T16:04:05.000+10:00",
  "productCategory": "TERM_DEPOSITS",
  "name": "Monthly Income Term Deposit - 12 Months",
  "description": "a 12 month, monthly income term deposit available to invest your money and earn a fixed rate of interest. Interest is paid monthly into a gmcu account.",
  "brand": "Goulburn Murray Credit Union Co-Operative Ltd",
  "brandName": "Goulburn Murray Credit Union Co-Operative Ltd",
  "isTailored": false,
  "additionalInformation": {
   "overviewUri": "https://www.gmcu.com.au/banking/term-deposits/view-all-term-deposits/",
   "termsUri": "https://www.gmcu.com.au/pds",
   "eligibilityUri": "https://www.gmcu.com.au/pds",
   "feesAndPricingUri": "https://www.gmcu.com.au/pds"
  }
 }
}