{
 "snapshot_at": "2026-10-02T09:50:31Z",
 "brand": "Heartland",
 "brand_slug": "heartland",
 "product_id": "TD01.1",
 "cdr_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD01.1",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD01.1'",
 "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": "TD01.1",
  "effectiveFrom": "2022-06-23T03:00:23Z",
  "effectiveTo": "2030-06-24T23:00:33Z",
  "lastUpdated": "2026-09-29T06:16:43Z",
  "productCategory": "TERM_DEPOSITS",
  "name": "Term Deposit",
  "description": "A great way to reach your savings goals, with no fees and a competitive interest rate locked in for terms from 31 days to 60 months.",
  "brand": "Heartland Bank",
  "brandName": "Heartland Bank",
  "applicationUri": "https://apply.heartlandbank.com.au/banking/HBSelfService/servletcontroller?ProductType=CBL_DEPOSIT_TERM_MB&CustomerType=Individual",
  "isTailored": false,
  "additionalInformation": {
   "overviewUri": "https://www.heartlandbank.com.au/term-deposits",
   "termsUri": "https://www.heartlandbank.com.au/generalterms",
   "eligibilityUri": "https://www.heartlandbank.com.au/term-deposits",
   "feesAndPricingUri": "https://www.heartlandbank.com.au/feescharges-schedule"
  },
  "features": [
   {
    "featureType": "OTHER",
    "additionalInfo": "Interest can be reinvested back into the Term Deposit, paid to your account with us, or paid to another financial institution account."
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Manage the Term Deposit maturity instructions from within Internet Banking or our app. Tell us how the principal and interest amounts are to be paid when your Term Deposit matures."
   },
   {
    "featureType": "DIGITAL_BANKING"
   }
  ],
  "constraints": [
   {
    "constraintType": "MIN_BALANCE",
    "additionalValue": "5000.00",
    "additionalInfo": "Minimum deposit amount of $10,000 applies to new customers, otherwise the minimum is $5,000.",
    "additionalInfoUri": "https://www.heartlandbank.com.au/term-deposits"
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "OTHER",
    "additionalInfo": "To open an account, you must have a valid email address and an Australian mobile number.",
    "additionalInfoUri": "https://www.heartlandbank.com.au/term-deposits"
   },
   {
    "eligibilityType": "NATURAL_PERSON",
    "additionalInfo": "To open a Term Deposit, you must be a natural person."
   },
   {
    "eligibilityType": "MIN_AGE",
    "additionalValue": "14",
    "additionalInfo": "To open an account, you must be 14 years or older.",
    "additionalInfoUri": "https://www.heartlandbank.com.au/term-deposits"
   },
   {
    "eligibilityType": "RESIDENCY_STATUS",
    "additionalValue": "To open an account, you must be solely a tax resident of Australia.",
    "additionalInfoUri": "https://www.heartlandbank.com.au/term-deposits"
   }
  ],
  "fees": [
   {
    "name": "Voucher/information retrieval.",
    "feeType": "EVENT",
    "feeMethodUType": "variable",
    "variable": {},
    "currency": "AUD",
    "additionalValue": "Voucher retrieval fee. Minimum $20.00 ($60 per hour).",
    "additionalInfo": "Fee charged for voucher/information retrieval by us.",
    "additionalInfoUri": "https://www.heartlandbank.com.au/feescharges-schedule"
   },
   {
    "name": "Audit certificate",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "35.00"
    },
    "currency": "AUD",
    "additionalInfoUri": "https://www.heartlandbank.com.au/feescharges-schedule"
   },
   {
    "name": "Early Redemption administration fee",
    "feeType": "EXIT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "30.00"
    },
    "currency": "AUD",
    "additionalInfo": "An Administration fee of $30 is applied at the time of the time of early withdrawal.",
    "additionalInfoUri": "https://www.heartlandbank.com.au/feescharges-schedule"
   },
   {
    "name": "Early redemption interest penalty fee",
    "feeType": "EVENT",
    "feeMethodUType": "variable",
    "variable": {},
    "currency": "AUD",
    "additionalInfo": "If you redeem your Term Deposit early, the amount of interest paid will be the interest accrued based on the interest rate on the day we opened your account less a reduction in interest earned based on the percentage of the term elapsed at the early termination date as outlined in the General Terms which are available on the web site.",
    "additionalInfoUri": "https://www.heartlandbank.com.au/file/General_Terms.pdf"
   }
  ],
  "depositRates": [
   {
    "rate": "0.0535",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "additionalValue": "P12M",
    "additionalInfo": "12 month fixed term deposit with interest paid monthly",
    "tiers": [
     {
      "additionalInfo": "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K.",
      "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
      "name": "Amount",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
      "name": "Term",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "maximumValue": "12",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "OTHER",
      "additionalInfo": "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K."
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0210",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P31D",
    "additionalValue": "P31D",
    "additionalInfo": "31 day fixed term deposit with interest paid at maturity",
    "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
    "tiers": [
     {
      "additionalInfo": "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K.",
      "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
      "name": "Amount",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
      "name": "Term",
      "unitOfMeasure": "DAY",
      "minimumValue": "31",
      "maximumValue": "31",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "OTHER",
      "additionalInfo": "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K."
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0545",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P6M",
    "additionalValue": "P6M",
    "additionalInfo": "6 month fixed term deposit with interest paid at maturity",
    "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
    "tiers": [
     {
      "additionalInfo": "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K.",
      "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
      "name": "Amount",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
      "name": "Term",
      "unitOfMeasure": "MONTH",
      "minimumValue": "6",
      "maximumValue": "6",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "OTHER",
      "additionalInfo": "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K."
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0525",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1Y",
    "additionalValue": "P24M",
    "additionalInfo": "24 month fixed term deposit with interest paid annually",
    "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
    "tiers": [
     {
      "additionalInfo": "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K.",
      "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
      "name": "Amount",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
      "name": "Term",
      "unitOfMeasure": "MONTH",
      "minimumValue": "24",
      "maximumValue": "24",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "OTHER",
      "additionalInfo": "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K."
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0495",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P3M",
    "additionalValue": "P3M",
    "additionalInfo": "3 month fixed term deposit with interest paid at maturity",
    "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
    "tiers": [
     {
      "additionalInfo": "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K.",
      "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
      "name": "Amount",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
      "name": "Term",
      "unitOfMeasure": "MONTH",
      "minimumValue": "3",
      "maximumValue": "3",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "OTHER",
      "additionalInfo": "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K."
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0505",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "additionalValue": "P24M",
    "additionalInfo": "24 month fixed term deposit with interest paid monthly",
    "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
    "tiers": [
     {
      "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
      "name": "Term",
      "unitOfMeasure": "MONTH",
      "minimumValue": "24",
      "maximumValue": "24",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "additionalInfo": "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K.",
      "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
      "name": "Amount",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "OTHER",
      "additionalInfo": "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K."
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0550",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P12M",
    "additionalValue": "P12M",
    "additionalInfo": "12 month fixed term deposit with interest paid at maturity",
    "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
    "tiers": [
     {
      "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
      "name": "Term",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "maximumValue": "12",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "additionalInfo": "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K.",
      "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
      "name": "Amount",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "OTHER",
      "additionalInfo": "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K."
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0540",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P9M",
    "additionalValue": "P9M",
    "additionalInfo": "9 month fixed term deposit with interest paid at maturity",
    "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
    "tiers": [
     {
      "additionalInfo": "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K.",
      "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
      "name": "Amount",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
      "name": "Term",
      "unitOfMeasure": "MONTH",
      "minimumValue": "9",
      "maximumValue": "9",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "OTHER",
      "additionalInfo": "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K."
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0490",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "additionalValue": "P36M",
    "additionalInfo": "36 month fixed term deposit with interest paid monthly",
    "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
    "tiers": [
     {
      "additionalInfo": "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K.",
      "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
      "name": "Amount",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
      "name": "Term",
      "unitOfMeasure": "MONTH",
      "minimumValue": "36",
      "maximumValue": "36",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "OTHER",
      "additionalInfo": "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K."
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0535",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1Y",
    "additionalValue": "P60M",
    "additionalInfo": "60 month fixed term deposit with interest paid annually",
    "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
    "tiers": [
     {
      "additionalInfo": "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K.",
      "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
      "name": "Amount",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
      "name": "Term",
      "unitOfMeasure": "MONTH",
      "minimumValue": "60",
      "maximumValue": "60",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "OTHER",
      "additionalInfo": "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K."
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0515",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1Y",
    "additionalValue": "P36M",
    "additionalInfo": "36 month fixed term deposit with interest paid annually",
    "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
    "tiers": [
     {
      "additionalInfo": "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K.",
      "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
      "name": "Amount",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
      "name": "Term",
      "unitOfMeasure": "MONTH",
      "minimumValue": "36",
      "maximumValue": "36",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "OTHER",
      "additionalInfo": "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K."
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0525",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1Y",
    "additionalValue": "P48M",
    "additionalInfo": "48 month fixed term deposit with interest paid annually",
    "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
    "tiers": [
     {
      "additionalInfo": "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K.",
      "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
      "name": "Amount",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
      "name": "Term",
      "unitOfMeasure": "MONTH",
      "minimumValue": "48",
      "maximumValue": "48",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "OTHER",
      "additionalInfo": "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K."
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0490",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "additionalValue": "P48M",
    "additionalInfo": "48 month fixed term deposit with interest paid monthly",
    "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
    "tiers": [
     {
      "additionalInfo": "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K.",
      "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
      "name": "Amount",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
      "name": "Term",
      "unitOfMeasure": "MONTH",
      "minimumValue": "48",
      "maximumValue": "48",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "OTHER",
      "additionalInfo": "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K."
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0490",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "additionalValue": "P60M",
    "additionalInfo": "60 month fixed term deposit with interest paid monthly",
    "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
    "tiers": [
     {
      "additionalInfo": "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K.",
      "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
      "name": "Amount",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "additionalInfoUri": "https://www.heartlandbank.com.au/interest-rates",
      "name": "Term",
      "unitOfMeasure": "MONTH",
      "minimumValue": "60",
      "maximumValue": "60",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "OTHER",
      "additionalInfo": "Minimum deposit for new customer is $10K.Minimum deposit for existing customer is $5K."
     }
    ],
    "depositRateType": "FIXED"
   }
  ]
 }
}