{
 "snapshot_at": "2026-10-02T09:50:31Z",
 "brand": "Heartland",
 "brand_slug": "heartland",
 "product_id": "TD04.1",
 "cdr_url": "https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD04.1",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://api.cdr.heartlandbank.com.au/cds-au/v1/banking/products/TD04.1'",
 "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": "TD04.1",
  "effectiveFrom": "2022-06-23T03:00:24Z",
  "effectiveTo": "2030-06-24T23:00:34Z",
  "lastUpdated": "2026-09-30T03:58:22Z",
  "productCategory": "TERM_DEPOSITS",
  "name": "Broker Term Deposit - Business",
  "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",
  "isTailored": false,
  "additionalInformation": {
   "eligibilityUri": "https://www.heartlandbank.com.au/term-deposits",
   "feesAndPricingUri": "https://www.heartlandbank.com.au/feescharges-schedule"
  },
  "features": [
   {
    "featureType": "OTHER",
    "additionalInfo": "Interest is paid to your nominated account."
   }
  ],
  "constraints": [
   {
    "constraintType": "MIN_BALANCE",
    "additionalValue": "5000.00",
    "additionalInfo": "Our Term Deposits have a minimum balance of $5,000.00."
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "OTHER",
    "additionalInfo": "This account is available via Australian Money Market.",
    "additionalInfoUri": "https://www.heartlandbank.com.au/term-deposits"
   },
   {
    "eligibilityType": "BUSINESS",
    "additionalInfo": "You can apply for this Term Deposit if you’re a non-individual entity, such as a partnership, trust (regulated or unregulated), a company, or association (incorporated or unincorporated).",
    "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 retrieval fee.",
    "feeType": "EVENT",
    "feeMethodUType": "variable",
    "variable": {
     "feeMinimum": "20.00"
    },
    "currency": "AUD",
    "additionalValue": "Voucher retrieval fee. Minimum $20.00 ($60 per hour).",
    "additionalInfo": "Fee charged for voucher/information retrieval by us.Minimum fee is $20 but above this it can vary based on the number of hours.",
    "additionalInfoUri": "https://www.heartlandbank.com.au/feescharges-schedule"
   },
   {
    "name": "Voucher/information retrieval (per hour)",
    "feeType": "EVENT",
    "feeMethodUType": "variable",
    "variable": {},
    "currency": "AUD",
    "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 will be 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": "0.0255",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P31D",
    "additionalValue": "P31D",
    "additionalInfo": "31 day fixed term deposit with interest paid at maturity",
    "tiers": [
     {
      "name": "Amount",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "10000.00",
      "maximumValue": "2000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term",
      "unitOfMeasure": "DAY",
      "minimumValue": "31",
      "maximumValue": "31",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "OTHER",
      "additionalInfo": "Minimum deposit for new customer is $10K."
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0535",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P9M",
    "additionalValue": "P9M",
    "additionalInfo": "9 month fixed term deposit with interest paid at maturity",
    "tiers": [
     {
      "name": "Amount",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "10000.00",
      "maximumValue": "2000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term",
      "unitOfMeasure": "MONTH",
      "minimumValue": "9",
      "maximumValue": "9",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "OTHER",
      "additionalInfo": "Minimum deposit for new customer is $10K."
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0520",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1Y",
    "additionalValue": "P24M",
    "additionalInfo": "24 month fixed term deposit with interest paid annually",
    "tiers": [
     {
      "name": "Term",
      "unitOfMeasure": "MONTH",
      "minimumValue": "24",
      "maximumValue": "24",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Amount",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "10000.00",
      "maximumValue": "2000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "OTHER",
      "additionalInfo": "Minimum deposit for new customer is $10K."
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0490",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P3M",
    "additionalValue": "P3M",
    "additionalInfo": "3 month fixed term deposit with interest paid at maturity",
    "tiers": [
     {
      "name": "Amount",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "10000.00",
      "maximumValue": "2000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term",
      "unitOfMeasure": "MONTH",
      "minimumValue": "3",
      "maximumValue": "3",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "OTHER",
      "additionalInfo": "Minimum deposit for new customer is $10K."
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0530",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P6M",
    "additionalValue": "P6M",
    "additionalInfo": "6 month fixed term deposit with interest paid at maturity",
    "tiers": [
     {
      "name": "Term",
      "unitOfMeasure": "MONTH",
      "minimumValue": "6",
      "maximumValue": "6",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Amount",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "10000.00",
      "maximumValue": "2000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "OTHER",
      "additionalInfo": "Minimum deposit for new customer is $10K."
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0555",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P12M",
    "additionalValue": "P12M",
    "additionalInfo": "12 month fixed term deposit with interest paid at maturity",
    "tiers": [
     {
      "name": "Amount",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "10000.00",
      "maximumValue": "2000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "maximumValue": "12",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "OTHER",
      "additionalInfo": "Minimum deposit for new customer is $10K."
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0500",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1Y",
    "additionalValue": "P36M",
    "additionalInfo": "36 month fixed term deposit with interest paid annually",
    "tiers": [
     {
      "name": "Amount",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "10000.00",
      "maximumValue": "2000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term",
      "unitOfMeasure": "MONTH",
      "minimumValue": "36",
      "maximumValue": "36",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "OTHER",
      "additionalInfo": "Minimum deposit for new customer is $10K."
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0500",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1Y",
    "additionalValue": "P48M",
    "additionalInfo": "48 month fixed term deposit with interest paid annually",
    "tiers": [
     {
      "name": "Amount",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "10000.00",
      "maximumValue": "2000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term",
      "unitOfMeasure": "MONTH",
      "minimumValue": "48",
      "maximumValue": "48",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "OTHER",
      "additionalInfo": "Minimum deposit for new customer is $10K."
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0525",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1Y",
    "additionalValue": "P60M",
    "additionalInfo": "60 month fixed term deposit with interest paid annually",
    "tiers": [
     {
      "name": "Amount",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "10000.00",
      "maximumValue": "2000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term",
      "unitOfMeasure": "MONTH",
      "minimumValue": "60",
      "maximumValue": "60",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "OTHER",
      "additionalInfo": "Minimum deposit for new customer is $10K."
     }
    ],
    "depositRateType": "FIXED"
   }
  ]
 }
}