{
 "snapshot_at": "2026-10-02T09:50:36Z",
 "brand": "IMB Bank",
 "brand_slug": "imb-bank",
 "product_id": "TD-1-1",
 "cdr_url": "https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://openbank.openbanking.imb.com.au/cds-au/v1/banking/products/TD-1-1'",
 "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": "TD-1-1",
  "effectiveFrom": "2020-10-01T00:00:00+10:00",
  "lastUpdated": "2026-10-02T00:00:00+10:00",
  "productCategory": "TERM_DEPOSITS",
  "name": "Term Deposit",
  "description": "Earn great returns with an IMB Term Deposit. An IMB Term Deposit offers competitive returns for investment terms from 1 month up to 5 years for amounts of $1,000 or more. Term Deposits are a secure way to grow your savings for the future!",
  "brand": "IMB Bank",
  "applicationUri": "https://apply.online.imb.com.au/apply/applications/new/depositAccounts/productSelection#%2Fapply%2Fnew%2FdepositAccounts%2FproductSelection",
  "isTailored": false,
  "additionalInformation": {
   "overviewUri": "https://www.imb.com.au/banking/term-deposits",
   "termsUri": "https://www.imb.com.au/important-information",
   "feesAndPricingUri": "https://www.imb.com.au/help-centre/rates-and-fees",
   "bundleUri": "Opening a Term Deposit online will also open an Everyday Online Term Link Account for you to deposit funds, if you don't already have one, which is an Everyday Account with added benefits. Not all product options are available online.",
   "additionalOverviewUris": [
    {
     "description": "Opening a Term Deposit online will also open an Everyday Online Term Link Account for you to deposit funds, if you don't already have one, which is an Everyday Account with added benefits. Not all product options are available online.",
     "additionalInfoUri": "https://www.imb.com.au/banking/term-deposits/term-deposits-opened-online"
    }
   ],
   "additionalBundleUris": [
    {
     "description": "Opening a Term Deposit online will also open an Everyday Online Term Link Account for you to deposit funds, if you don't already have one. Not all product options are available online. ",
     "additionalInfoUri": "https://www.imb.com.au/banking/term-deposits/term-deposits-opened-online"
    }
   ]
  },
  "bundles": [
   {
    "name": "Online Term Deposit",
    "description": "Opening a Term Deposit online will also open an Everyday Online Term Link Account for you to deposit funds, if you don't already have one, which is an Everyday Account with added benefits.",
    "additionalInfo": "An Everyday Online Term Link Account is an Everyday Account with the added benefit of a transaction fee free period. Not all product options are available online. Other interest rates, investment terms, minimum deposit amounts, interest payment frequencies, and interest payment options are available.",
    "additionalInfoUri": "https://www.imb.com.au/banking/term-deposits/term-deposits-opened-online",
    "productIds": [
     "TSA-4-1",
     "TD-1-1"
    ]
   }
  ],
  "features": [
   {
    "featureType": "DIGITAL_BANKING",
    "additionalInfo": "Internet Banking and Mobile Banking App.",
    "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/mobile-app"
   },
   {
    "featureType": "OTHER",
    "additionalValue": "Branch",
    "additionalInfo": "IMB boasts an extensive branch network throughout the Illawarra, Sydney, NSW South Coast, the ACT and Melbourne.",
    "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/branch"
   },
   {
    "featureType": "OTHER",
    "additionalValue": "Telephone Banking",
    "additionalInfo": "IMB's Phone Banking Service gives you 24 hour access to your accounts from any touchphone.",
    "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/phone-banking"
   },
   {
    "featureType": "OTHER",
    "additionalValue": "Phone Banking Operator Assisted",
    "additionalInfo": "IMB consultants are available Monday to Friday 8am - 8pm and Saturday 9am - 4pm",
    "additionalInfoUri": "https://www.imb.com.au/banking/ways-to-bank/phone-banking"
   },
   {
    "featureType": "FUNDS_AVAILABLE_AFTER",
    "additionalInfo": "31 Days' notice is required to withdraw funds prior to the maturity date.",
    "additionalInfoUri": "https://www.imb.com.au/banking/term-deposits"
   },
   {
    "featureType": "FRAUD_PROTECTION"
   }
  ],
  "constraints": [
   {
    "constraintType": "OPENING_BALANCE",
    "additionalValue": "1000",
    "additionalInfo": "A higher minimum opening balance may apply for select terms or for term deposits opened online.",
    "additionalInfoUri": "https://www.imb.com.au/banking/term-deposits"
   },
   {
    "constraintType": "MIN_BALANCE",
    "additionalValue": "1000",
    "additionalInfo": "A higher minimum opening balance may apply for select terms or for term deposits opened online.",
    "additionalInfoUri": "https://www.imb.com.au/banking/term-deposits"
   },
   {
    "constraintType": "OTHER",
    "additionalValue": "30 days",
    "additionalInfo": "The mininum term"
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "PENSION_RECIPIENT"
   }
  ],
  "fees": [
   {
    "name": "Special clearance on cheques",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "16.00"
    },
    "currency": "AUD",
    "additionalInfo": "Maximum charge. Charges either wholly or partly imposed by third parties.",
    "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
   },
   {
    "name": "Transaction Listing - Electronic - up to 10 pages",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "5.00"
    },
    "currency": "AUD",
    "additionalInfo": "",
    "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
   },
   {
    "name": "Transaction Listing - Electronic - 10 pages and over",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "0.50"
    },
    "currency": "AUD",
    "additionalInfo": "Per page",
    "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
   },
   {
    "name": "Interest statement - Electronic",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "2.50"
    },
    "currency": "AUD",
    "additionalInfo": "Per page",
    "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
   },
   {
    "name": "Copy of withdrawal or deposit form",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "15.00"
    },
    "currency": "AUD",
    "additionalInfo": "",
    "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
   },
   {
    "name": "Recalculation of interest",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "30.00"
    },
    "currency": "AUD",
    "additionalInfo": "Per page",
    "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
   },
   {
    "name": "Research fee",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "30.00"
    },
    "currency": "AUD",
    "additionalInfo": "Per page",
    "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
   },
   {
    "name": "Retrieval of archived documents",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "20.00"
    },
    "currency": "AUD",
    "additionalInfo": "Per page",
    "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
   },
   {
    "name": "Audit Certificate",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "30.00"
    },
    "currency": "AUD",
    "additionalInfo": "Per certificate",
    "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
   },
   {
    "name": "Unclaimed monies/dormant account",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "40.00"
    },
    "currency": "AUD",
    "additionalInfo": "Maximum charge per account",
    "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
   },
   {
    "name": "Bulk coin count",
    "feeType": "DEPOSIT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "5.00"
    },
    "currency": "AUD",
    "additionalInfo": "Maximum charge",
    "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
   },
   {
    "name": "Total cash withdrawal over $2,000 in a day",
    "feeType": "WITHDRAWAL",
    "feeMethodUType": "rateBased",
    "rateBased": {
     "rateType": "TRANSACTION",
     "rate": "0.002",
     "amountRange": {}
    },
    "currency": "AUD",
    "additionalInfo": "A fee of 0.2% of total cash withdrawals is charged for total cash withdrawals over $2000 in a day.",
    "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
   },
   {
    "name": "Manual deposit other institution",
    "feeType": "DEPOSIT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "10.00"
    },
    "currency": "AUD",
    "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
   },
   {
    "name": "Trace on Financial Institution cheque",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "50.00"
    },
    "currency": "AUD",
    "additionalInfo": "Charges either wholly or partly imposed by third parties.",
    "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
   },
   {
    "name": "Copy of Financial Institution cheque",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "16.00"
    },
    "currency": "AUD",
    "additionalInfo": "Maximum charge. Charges either wholly or partly imposed by third parties.",
    "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
   },
   {
    "name": "Stop payment fee (IMB cheques)",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "12.50"
    },
    "currency": "AUD",
    "additionalInfo": "Maximum charge. Charges either wholly or partly imposed by third parties.",
    "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
   },
   {
    "name": "Foreign cheque conversion (value less than AU$10,000)",
    "feeType": "DEPOSIT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "25.00"
    },
    "currency": "AUD",
    "additionalInfo": "Minimum charge, subject to additional fees and charges. Charges either wholly or partly imposed by third parties",
    "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
   },
   {
    "name": "Foreign cheque conversion (value AU$10,000 and greater)",
    "feeType": "DEPOSIT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "50.00"
    },
    "currency": "AUD",
    "additionalInfo": "Minimum charge, subject to additional fees and charges. Charges either wholly or partly imposed by third parties",
    "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
   },
   {
    "name": "Purchase of foreign currency",
    "feeType": "WITHDRAWAL",
    "feeMethodUType": "rateBased",
    "rateBased": {
     "rateType": "TRANSACTION",
     "rate": "0.01",
     "amountRange": {
      "feeMinimum": "10.00"
     }
    },
    "currency": "AUD",
    "additionalInfo": "$10 or 1% of the value of the total order (whichever is greater).",
    "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
   },
   {
    "name": "SMS Alerts ",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "0.25"
    },
    "currency": "AUD",
    "additionalInfo": "Per alert",
    "additionalInfoUri": "https://www.imb.com.au/pdfs/fees-charges-and-limits-pds"
   }
  ],
  "depositRates": [
   {
    "applicationType": "UPFRONT",
    "depositRateType": "FIXED",
    "rate": "0.049",
    "applicationFrequency": "P3M",
    "tiers": [
     {
      "name": "3 month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "3",
      "maximumValue": "3"
     },
     {
      "name": "$5,000.00 and over",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P3M",
    "additionalInfo": "3 month Special - Interest paid on Maturity",
    "additionalInfoUri": "https://www.imb.com.au/help-centre/rates-and-fees"
   },
   {
    "applicationType": "UPFRONT",
    "depositRateType": "FIXED",
    "rate": "0.05",
    "applicationFrequency": "P6M",
    "tiers": [
     {
      "name": "6 month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "6",
      "maximumValue": "6"
     },
     {
      "name": "$5,000.00 and over",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P6M",
    "additionalInfo": "6 month Special - Interest paid on Maturity",
    "additionalInfoUri": "https://www.imb.com.au/help-centre/rates-and-fees"
   },
   {
    "applicationType": "UPFRONT",
    "depositRateType": "FIXED",
    "rate": "0.0515",
    "applicationFrequency": "P12M",
    "tiers": [
     {
      "name": "12 month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "maximumValue": "12"
     },
     {
      "name": "$5,000.00 and over",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P12M",
    "additionalInfo": "12 month Special - Interest paid on Maturity",
    "additionalInfoUri": "https://www.imb.com.au/help-centre/rates-and-fees"
   },
   {
    "applicationType": "UPFRONT",
    "depositRateType": "FIXED",
    "rate": "0.0125",
    "tiers": [
     {
      "name": "1 to less than 3 months",
      "unitOfMeasure": "MONTH",
      "minimumValue": "1",
      "maximumValue": "2"
     },
     {
      "name": "$1,000.00 and over",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P1M/P2M",
    "additionalInfo": "1 to less than 3 months - Interest paid on Maturity",
    "additionalInfoUri": "https://www.imb.com.au/help-centre/rates-and-fees"
   },
   {
    "applicationType": "UPFRONT",
    "depositRateType": "FIXED",
    "rate": "0.015",
    "tiers": [
     {
      "name": "3 to less than 6 months",
      "unitOfMeasure": "MONTH",
      "minimumValue": "3",
      "maximumValue": "5"
     },
     {
      "name": "$1,000.00 and over",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P3M/P5M",
    "additionalInfo": "3 to less than 6 months - Interest paid on Maturity",
    "additionalInfoUri": "https://www.imb.com.au/help-centre/rates-and-fees"
   },
   {
    "applicationType": "UPFRONT",
    "depositRateType": "FIXED",
    "rate": "0.0225",
    "tiers": [
     {
      "name": "6 to less than 9 months",
      "unitOfMeasure": "MONTH",
      "minimumValue": "6",
      "maximumValue": "8"
     },
     {
      "name": "$1,000.00 and over",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P6M/P8M",
    "additionalInfo": "6 to less than 9 months - Interest paid on Maturity",
    "additionalInfoUri": "https://www.imb.com.au/help-centre/rates-and-fees"
   },
   {
    "applicationType": "UPFRONT",
    "depositRateType": "FIXED",
    "rate": "0.0225",
    "tiers": [
     {
      "name": "9 to less than 12 months",
      "unitOfMeasure": "MONTH",
      "minimumValue": "9",
      "maximumValue": "11"
     },
     {
      "name": "$1,000.00 and over",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P9M/P11M",
    "additionalInfo": "9 to less than 12 months - Interest paid on Maturity",
    "additionalInfoUri": "https://www.imb.com.au/help-centre/rates-and-fees"
   },
   {
    "applicationType": "UPFRONT",
    "depositRateType": "FIXED",
    "rate": "0.0225",
    "applicationFrequency": "P12M",
    "tiers": [
     {
      "name": "12 month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "maximumValue": "12"
     },
     {
      "name": "$1,000.00 and over",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P12M",
    "additionalInfo": "12 months - Interest paid on Maturity",
    "additionalInfoUri": "https://www.imb.com.au/help-centre/rates-and-fees"
   },
   {
    "applicationType": "UPFRONT",
    "depositRateType": "FIXED",
    "rate": "0.045",
    "applicationFrequency": "P12M",
    "tiers": [
     {
      "name": "24 month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "24",
      "maximumValue": "24"
     },
     {
      "name": "$5,000.00 and over",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P24M",
    "additionalInfo": "24 month Special - Interest paid Annually",
    "additionalInfoUri": "https://www.imb.com.au/help-centre/rates-and-fees"
   },
   {
    "applicationType": "UPFRONT",
    "depositRateType": "FIXED",
    "rate": "0.045",
    "applicationFrequency": "P12M",
    "tiers": [
     {
      "name": "36 month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "36",
      "maximumValue": "36"
     },
     {
      "name": "$5,000.00 and over",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P36M",
    "additionalInfo": "36 month Special - Interest paid Annually",
    "additionalInfoUri": "https://www.imb.com.au/help-centre/rates-and-fees"
   },
   {
    "applicationType": "UPFRONT",
    "depositRateType": "FIXED",
    "rate": "0.04",
    "applicationFrequency": "P12M",
    "tiers": [
     {
      "name": "48 month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "48",
      "maximumValue": "48"
     },
     {
      "name": "$5,000.00 and over",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P48M",
    "additionalInfo": "48 month Special - Interest paid Annually",
    "additionalInfoUri": "https://www.imb.com.au/help-centre/rates-and-fees"
   },
   {
    "applicationType": "UPFRONT",
    "depositRateType": "FIXED",
    "rate": "0.04",
    "applicationFrequency": "P12M",
    "tiers": [
     {
      "name": "60 month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "60",
      "maximumValue": "60"
     },
     {
      "name": "$5,000.00 and over",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P60M",
    "additionalInfo": "60 month Special - Interest paid Annually",
    "additionalInfoUri": "https://www.imb.com.au/help-centre/rates-and-fees"
   },
   {
    "applicationType": "UPFRONT",
    "depositRateType": "FIXED",
    "rate": "0.0225",
    "applicationFrequency": "P6M",
    "tiers": [
     {
      "name": "6 to less than 9 months",
      "unitOfMeasure": "MONTH",
      "minimumValue": "6",
      "maximumValue": "8"
     },
     {
      "name": "$1,000.00 and over",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P6M/P8M",
    "additionalInfo": "6 to less than 9 months - Interest paid 6 monthly and on Maturity",
    "additionalInfoUri": "https://www.imb.com.au/help-centre/rates-and-fees"
   },
   {
    "applicationType": "UPFRONT",
    "depositRateType": "FIXED",
    "rate": "0.0225",
    "applicationFrequency": "P6M",
    "tiers": [
     {
      "name": "9 to less than 12 months",
      "unitOfMeasure": "MONTH",
      "minimumValue": "9",
      "maximumValue": "11"
     },
     {
      "name": "$1,000.00 and over",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P9M/P11M",
    "additionalInfo": "9 to less than 12 months - Interest paid 6 monthly and on Maturity",
    "additionalInfoUri": "https://www.imb.com.au/help-centre/rates-and-fees"
   },
   {
    "applicationType": "UPFRONT",
    "depositRateType": "FIXED",
    "rate": "0.0225",
    "applicationFrequency": "P6M",
    "tiers": [
     {
      "name": "12 to less than 24 months",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "maximumValue": "23"
     },
     {
      "name": "$1,000.00 and over",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P12M/P23M",
    "additionalInfo": "12 to less than 24 months - Interest paid 6 monthly and on Maturity",
    "additionalInfoUri": "https://www.imb.com.au/help-centre/rates-and-fees"
   },
   {
    "applicationType": "UPFRONT",
    "depositRateType": "FIXED",
    "rate": "0.0225",
    "applicationFrequency": "P6M",
    "tiers": [
     {
      "name": "24 to less than 36 months",
      "unitOfMeasure": "MONTH",
      "minimumValue": "24",
      "maximumValue": "35"
     },
     {
      "name": "$1,000.00 and over",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P24M/P35M",
    "additionalInfo": "24 to less than 36 months - Interest paid 6 monthly and on Maturity",
    "additionalInfoUri": "https://www.imb.com.au/help-centre/rates-and-fees"
   },
   {
    "applicationType": "UPFRONT",
    "depositRateType": "FIXED",
    "rate": "0.0225",
    "applicationFrequency": "P6M",
    "tiers": [
     {
      "name": "36 to less than 48 months",
      "unitOfMeasure": "MONTH",
      "minimumValue": "36",
      "maximumValue": "47"
     },
     {
      "name": "$1,000.00 and over",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P36M/P47M",
    "additionalInfo": "36 to less than 48 months - Interest paid 6 monthly and on Maturity",
    "additionalInfoUri": "https://www.imb.com.au/help-centre/rates-and-fees"
   },
   {
    "applicationType": "UPFRONT",
    "depositRateType": "FIXED",
    "rate": "0.0225",
    "applicationFrequency": "P6M",
    "tiers": [
     {
      "name": "48 to less than 60 months",
      "unitOfMeasure": "MONTH",
      "minimumValue": "48",
      "maximumValue": "59"
     },
     {
      "name": "$1,000.00 and over",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P48M/P59M",
    "additionalInfo": "48 to less than 60 months - Interest paid 6 monthly and on Maturity",
    "additionalInfoUri": "https://www.imb.com.au/help-centre/rates-and-fees"
   },
   {
    "applicationType": "UPFRONT",
    "depositRateType": "FIXED",
    "rate": "0.0225",
    "applicationFrequency": "P6M",
    "tiers": [
     {
      "name": "60 month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "60",
      "maximumValue": "60"
     },
     {
      "name": "$1,000.00 and over",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P60M",
    "additionalInfo": "60 months - Interest paid 6 monthly and on Maturity",
    "additionalInfoUri": "https://www.imb.com.au/help-centre/rates-and-fees"
   },
   {
    "applicationType": "UPFRONT",
    "depositRateType": "FIXED",
    "rate": "0.0145",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "3 to less than 6 months",
      "unitOfMeasure": "MONTH",
      "minimumValue": "3",
      "maximumValue": "5"
     },
     {
      "name": "$5,000.00 and over",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P3M/P5M",
    "additionalInfo": "3 to less than 6 months - Interest paid Monthly (every 28 days)",
    "additionalInfoUri": "https://www.imb.com.au/help-centre/rates-and-fees"
   },
   {
    "applicationType": "UPFRONT",
    "depositRateType": "FIXED",
    "rate": "0.022",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "6 to less than 9 months",
      "unitOfMeasure": "MONTH",
      "minimumValue": "6",
      "maximumValue": "8"
     },
     {
      "name": "$5,000.00 and over",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P6M/P8M",
    "additionalInfo": "6 to less than 9 months - Interest paid Monthly (every 28 days)",
    "additionalInfoUri": "https://www.imb.com.au/help-centre/rates-and-fees"
   },
   {
    "applicationType": "UPFRONT",
    "depositRateType": "FIXED",
    "rate": "0.022",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "9 to less than 12 months",
      "unitOfMeasure": "MONTH",
      "minimumValue": "9",
      "maximumValue": "11"
     },
     {
      "name": "$5,000.00 and over",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P9M/P11M",
    "additionalInfo": "9 to less than 12 months - Interest paid Monthly (every 28 days)",
    "additionalInfoUri": "https://www.imb.com.au/help-centre/rates-and-fees"
   },
   {
    "applicationType": "UPFRONT",
    "depositRateType": "FIXED",
    "rate": "0.022",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "12 to less than 24 months",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "maximumValue": "23"
     },
     {
      "name": "$5,000.00 and over",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P12M/P23M",
    "additionalInfo": "12 to less than 24 months - Interest paid Monthly (every 28 days)",
    "additionalInfoUri": "https://www.imb.com.au/help-centre/rates-and-fees"
   },
   {
    "applicationType": "UPFRONT",
    "depositRateType": "FIXED",
    "rate": "0.022",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "24 to less than 36 months",
      "unitOfMeasure": "MONTH",
      "minimumValue": "24",
      "maximumValue": "35"
     },
     {
      "name": "$5,000.00 and over",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P24M/P35M",
    "additionalInfo": "24 to less than 36 months - Interest paid Monthly (every 28 days)",
    "additionalInfoUri": "https://www.imb.com.au/help-centre/rates-and-fees"
   },
   {
    "applicationType": "UPFRONT",
    "depositRateType": "FIXED",
    "rate": "0.022",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "36 to less than 48 months",
      "unitOfMeasure": "MONTH",
      "minimumValue": "36",
      "maximumValue": "47"
     },
     {
      "name": "$5,000.00 and over",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P36M/P47M",
    "additionalInfo": "36 to less than 48 months - Interest paid Monthly (every 28 days)",
    "additionalInfoUri": "https://www.imb.com.au/help-centre/rates-and-fees"
   },
   {
    "applicationType": "UPFRONT",
    "depositRateType": "FIXED",
    "rate": "0.022",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "48 to less than 60 months",
      "unitOfMeasure": "MONTH",
      "minimumValue": "48",
      "maximumValue": "59"
     },
     {
      "name": "$5,000.00 and over",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P48M/P59M",
    "additionalInfo": "48 to less than 60 months - Interest paid Monthly (every 28 days)",
    "additionalInfoUri": "https://www.imb.com.au/help-centre/rates-and-fees"
   },
   {
    "applicationType": "UPFRONT",
    "depositRateType": "FIXED",
    "rate": "0.022",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "60 month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "60",
      "maximumValue": "60"
     },
     {
      "name": "$5,000.00 and over",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P60M",
    "additionalInfo": "60 month - Interest paid Monthly (every 28 days)",
    "additionalInfoUri": "https://www.imb.com.au/help-centre/rates-and-fees"
   },
   {
    "applicationType": "UPFRONT",
    "depositRateType": "FIXED",
    "rate": "0.0215",
    "applicationFrequency": "P14D",
    "tiers": [
     {
      "name": "12 month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "maximumValue": "12"
     },
     {
      "name": "$2,000.00 and over",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "2000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P12M",
    "additionalInfo": "12 months - Interest paid Fortnightly (every 14 days)",
    "additionalInfoUri": "https://www.imb.com.au/help-centre/rates-and-fees"
   },
   {
    "applicationType": "UPFRONT",
    "depositRateType": "FIXED",
    "rate": "0.0503",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "12 month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "maximumValue": "12"
     },
     {
      "name": "$5,000.00 and over",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P12M",
    "additionalInfo": "12 month Special - Interest paid Monthly (every 28 days)",
    "additionalInfoUri": "https://www.imb.com.au/help-centre/rates-and-fees"
   },
   {
    "applicationType": "UPFRONT",
    "depositRateType": "FIXED",
    "rate": "0.044",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "24 month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "24",
      "maximumValue": "24"
     },
     {
      "name": "$5,000.00 and over",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P24M",
    "additionalInfo": "24 month Special - Interest paid Monthly (every 28 days)",
    "additionalInfoUri": "https://www.imb.com.au/help-centre/rates-and-fees"
   }
  ]
 }
}