{
 "snapshot_at": "2026-10-02T09:50:44Z",
 "brand": "ORANGE CREDIT UNION LTD",
 "brand_slug": "orange-credit-union-ltd",
 "product_id": "3MTH_TERM_DEPOSIT",
 "cdr_url": "https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/3MTH_TERM_DEPOSIT",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://online.orangecu.com.au/openbanking/cds-au/v1/banking/products/3MTH_TERM_DEPOSIT'",
 "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": "FUNDS_AVAILABLE_AFTER",
    "additionalValue": "P3M",
    "additionalInfo": "Maturity. On maturity we will automatically re-invest your Term Deposit for the same term as you originally chose, unless you advise us otherwise. Minimum 7 days notice is required"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Early withdrawal penalty. Minimum 7 days notice is required for an early break in the relevant term, upon which a fee of $30 plus a rate reduction based on: 0 to 30% of term elapsed   30% of the initial rate; 31 to 60% of term elapsed   60% of the initial rate; 61 to 90% of term elapsed   90% of the initial rate will be applicable."
   },
   {
    "featureType": "DIGITAL_BANKING",
    "additionalInfo": "Balance Only"
   },
   {
    "featureType": "CARD_ACCESS",
    "additionalValue": "No",
    "additionalInfo": "No"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Branch Transactions: Yes"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Direct Credits: No"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Direct Debits: No"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "BPAY Phone & Internet: No"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Periodical Payments: No"
   }
  ],
  "constraints": [
   {
    "constraintType": "MIN_BALANCE",
    "additionalValue": "1000.00"
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "RESIDENCY_STATUS"
   }
  ],
  "fees": [
   {
    "name": "TERM_DEPOSIT_EARLY_REDEMPTION_FEE",
    "feeType": "VARIATION",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "30.00"
    },
    "currency": "AUD",
    "additionalInfoUri": "https://www.bankorange.com.au/quicklinks/rates-and-fees/"
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.01",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "3MTH FIXED TERM DEPOSIT_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "2000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "3MTH FIXED TERM DEPOSIT_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "1",
      "maximumValue": "3",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P3M",
    "additionalInfoUri": "https://www.bankorange.com.au/bank-save/term-deposits/term-deposit#Text-c9d11-Interest_Rates"
   }
  ],
  "productCategory": "TERM_DEPOSITS",
  "productId": "3MTH_TERM_DEPOSIT",
  "lastUpdated": "2026-07-02T11:04:56.000+10:00",
  "name": "3MTH FIXED TERM DEPOSIT",
  "description": "TERM DEPOSIT 3 MONTHS",
  "brand": "ORANGE CREDIT UNION LTD",
  "brandName": "ORANGE CREDIT UNION LTD",
  "applicationUri": "https://www.bankorange.com.au/online-forms/member-application-form/",
  "isTailored": false,
  "additionalInformation": {
   "overviewUri": "https://www.bankorange.com.au/bank-save/term-deposits/term-deposit/",
   "termsUri": "https://www.bankorange.com.au/about/corporate-information/disclosure-documents/",
   "eligibilityUri": "https://www.bankorange.com.au/about/corporate-information/disclosure-documents/",
   "feesAndPricingUri": "https://www.bankorange.com.au/quicklinks/rates-and-fees/",
   "bundleUri": "https://www.bankorange.com.au/quicklinks/rates-and-fees/"
  }
 }
}