{
 "snapshot_at": "2026-10-02T09:50:45Z",
 "brand": "P&N Bank",
 "brand_slug": "p-n-bank",
 "product_id": "27",
 "cdr_url": "https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/27",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr-api.pnbank.com.au/cds-au/v1/banking/products/27'",
 "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": "27",
  "effectiveFrom": "2009-03-23T13:30:00.0000000Z",
  "lastUpdated": "2026-09-01T02:00:23.3722770Z",
  "productCategory": "TERM_DEPOSITS",
  "name": "7 Month Term Deposit",
  "description": "Take control of your investment with a term deposit from P&N Bank, offering a guaranteed rate of return and a high level of security.",
  "brand": "PNB",
  "brandName": "P&N Bank",
  "isTailored": false,
  "additionalInformation": {
   "overviewUri": "https://www.pnbank.com.au/bank-and-save/term-deposits/",
   "termsUri": "https://www.pnbank.com.au/important-information/terms-and-conditions/term-deposit-account/",
   "feesAndPricingUri": "https://www.pnbank.com.au/help-and-support/interest-rates/term-deposits/"
  },
  "features": [
   {
    "featureType": "DIGITAL_BANKING",
    "additionalInfo": "View your Term Deposit balance, interest rate, and maturity date using our mobile app or internet banking.",
    "additionalInfoUri": "https://www.pnbank.com.au/bank-and-save/term-deposits/"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Flexible interest payment options - choose from interest paid at maturity (Money Maker), OR paid monthly, quarterly or annually (Regular Income)",
    "additionalInfoUri": "https://www.pnbank.com.au/personal-banking/term-deposits/"
   }
  ],
  "constraints": [
   {
    "constraintType": "MAX_BALANCE",
    "additionalValue": "1000000.00",
    "additionalInfo": "Maximum balance is $1,000,000",
    "additionalInfoUri": "https://www.pnbank.com.au/bank-and-save/term-deposits/"
   },
   {
    "constraintType": "MIN_BALANCE",
    "additionalValue": "5000.00"
   },
   {
    "constraintType": "OPENING_BALANCE",
    "additionalValue": "5000.00",
    "additionalInfo": "An Opening Balance of $5,000 is required for this product",
    "additionalInfoUri": "https://www.pnbank.com.au/bank-and-save/term-deposits/"
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "MIN_AGE",
    "additionalValue": "12",
    "additionalInfoUri": "https://www.pnbank.com.au/bank-and-save/term-deposits/"
   },
   {
    "eligibilityType": "OTHER",
    "additionalInfo": "You must be or become a P&N Bank member",
    "additionalInfoUri": "https://www.pnbank.com.au/bank-and-save/term-deposits/"
   },
   {
    "eligibilityType": "RESIDENCY_STATUS",
    "additionalValue": "You must be an Australian citizen and/or resident or a non-resident with a qualifying visa evidencing 12 months or longer residency. A valid Australian address is required to open an account. Membership eligibility applies.",
    "additionalInfoUri": "https://www.pnbank.com.au/bank-and-save/term-deposits/"
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.044",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P7M",
    "tiers": [
     {
      "name": "Fixed",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "maximumValue": "1000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Fixed",
      "unitOfMeasure": "MONTH",
      "minimumValue": "7.00",
      "maximumValue": "7.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "EXISTING_CUST",
      "additionalInfo": "Rate available to existing customers.",
      "additionalInfoUri": "https://www.pnbank.com.au/bank-and-save/term-deposits/"
     },
     {
      "rateApplicabilityType": "NEW_ACCOUNTS",
      "additionalInfo": "Rate available for new accounts.",
      "additionalInfoUri": "https://www.pnbank.com.au/bank-and-save/term-deposits/"
     },
     {
      "rateApplicabilityType": "NEW_CUSTOMER",
      "additionalInfo": "Rate available to new customers.",
      "additionalInfoUri": "https://www.pnbank.com.au/bank-and-save/term-deposits/"
     }
    ],
    "additionalValue": "P7M",
    "additionalInfo": "Interest paid at maturity"
   }
  ]
 }
}