{
 "snapshot_at": "2026-10-02T09:50:46Z",
 "brand": "People First and Heritage Bank",
 "brand_slug": "people-first-and-heritage-bank",
 "product_id": "78e74a3d-0266-49ea-9aa7-cb406845da8d",
 "cdr_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/78e74a3d-0266-49ea-9aa7-cb406845da8d'",
 "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": "78e74a3d-0266-49ea-9aa7-cb406845da8d",
  "effectiveTo": "9999-12-31T00:00:00Z",
  "lastUpdated": "2026-09-22T14:35:22.683Z",
  "productCategory": "TERM_DEPOSITS",
  "name": "Term Deposit",
  "description": "A secure way to invest your money and earn a great return on your investment.",
  "brand": "b111c64b-b6c9-eb11-a823-000d3a884a20",
  "brandName": "People First Bank",
  "isTailored": false,
  "additionalInformation": {
   "overviewUri": "https://www.peoplefirstbank.com.au/banking/term-deposit",
   "termsUri": "https://www.peoplefirstbank.com.au/brc-8-6-148",
   "eligibilityUri": "https://www.peoplefirstbank.com.au/about-us/corporate-disclosure-and-regulatory-documents",
   "feesAndPricingUri": "https://www.peoplefirstbank.com.au/banking/term-deposit"
  },
  "updatedReason": " ",
  "features": [
   {
    "featureType": "NOTIFICATIONS",
    "additionalValue": "Maturity reminders",
    "additionalInfo": "We'll send you a term deposit renewal notice prior to the end of your term. If we don't hear from you your investment will automatically renew for a further term",
    "additionalInfoUri": "https://www.peoplefirstbank.com.au/banking/term-deposit"
   },
   {
    "featureType": "DIGITAL_BANKING",
    "additionalValue": "Easy access to your account 24/7 with the People’s Choice Smartphone and iPhone App, Internet Banking and Phone Banking.",
    "additionalInfoUri": "https://www.peoplefirstbank.com.au/banking/ways-to-bank"
   },
   {
    "featureType": "OTHER",
    "additionalValue": "Early Withdrawal",
    "additionalInfo": "If you need to withdraw your Term Investment before it matures you will need to give us 31 days notice. We may charge you an early redemption fee.",
    "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-85"
   },
   {
    "featureType": "OTHER",
    "additionalValue": "Business Term Investment option available",
    "additionalInfo": "A safe and secure way to invest your money and earn a great interest rate on your business' savings.",
    "additionalInfoUri": "https://www.peoplefirstbank.com.au/business-banking/business-bank-accounts/business-term-deposit"
   },
   {
    "featureType": "RELATIONSHIP_MANAGEMENT",
    "additionalValue": "One to One Relationship Management available",
    "additionalInfo": "Our Program One to One provides a higher level of personalised service to members that have significant business with the Credit Union, measured by borrowings and/or deposits. This is achieved by providing each member with their own Relationship Manager as a single point of contact for all their financial service needs."
   }
  ],
  "constraints": [
   {
    "constraintType": "MIN_BALANCE",
    "additionalValue": "5000.00",
    "additionalInfo": "Age 25 and over",
    "additionalInfoUri": "https://www.peoplefirstbank.com.au/banking/term-deposit"
   },
   {
    "constraintType": "OPENING_BALANCE",
    "additionalValue": "5000.00",
    "additionalInfo": "Age 25 and over",
    "additionalInfoUri": "https://www.peoplefirstbank.com.au/banking/term-deposit"
   },
   {
    "constraintType": "MIN_BALANCE",
    "additionalValue": "1000.00",
    "additionalInfo": "Age under 25",
    "additionalInfoUri": "https://www.peoplefirstbank.com.au/banking/term-deposit"
   },
   {
    "constraintType": "OPENING_BALANCE",
    "additionalValue": "1000.00",
    "additionalInfo": "Age under 25",
    "additionalInfoUri": "https://www.peoplefirstbank.com.au/banking/term-deposit"
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "MIN_AGE",
    "additionalValue": "12",
    "additionalInfo": "12 years and older",
    "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-1"
   },
   {
    "eligibilityType": "BUSINESS",
    "additionalValue": "Business and non-personal entities",
    "additionalInfoUri": "https://www.peoplefirstbank.com.au/business-banking/business-bank-accounts/business-term-deposit"
   },
   {
    "eligibilityType": "RESIDENCY_STATUS",
    "additionalValue": "Permanent residents of Australia who reside in Australia at the time of membership application are eligible for membership, regardless of citizenship status."
   }
  ],
  "fees": [
   {
    "name": "Early Redemption Fee",
    "feeType": "EVENT",
    "feeMethodUType": "rateBased",
    "rateBased": {
     "rateType": "BALANCE",
     "rate": "0.1"
    },
    "additionalValue": "Less than 20% = 80%, 20% to less than 40% = 60%, 40% to less than 60% = 60%, 60% to less than 80% = 20% and 80% and over = 10%",
    "additionalInfo": "The amount by which the interest will be reduced depends on the percentage of the term that has elapsed as at the date of the withdrawal of funds from the Term Deposit.",
    "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-148"
   },
   {
    "name": "Company and Business Name Search",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "20.00"
    },
    "additionalInfo": "Applies to each Company or Business Name Search completed",
    "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-148"
   },
   {
    "name": "Signature Verification",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "5.00"
    },
    "additionalInfo": "Applies when you request to withdraw funds without sufficient identification.",
    "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-148"
   },
   {
    "name": "Duplicate/replacement Statement",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "10.00"
    },
    "additionalInfo": "Applies when you request us to provide a copy of a statement that has already been issued (including where you request a paper copy of an eStatement). Charged at the time the statement is requested.",
    "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-148"
   },
   {
    "name": "Replacement Interest Statement",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "10.00"
    },
    "additionalInfo": "Applies when you request us to provide a copy of an interest statement that has already been issued. Charged at the time the statement is requested.",
    "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-148"
   },
   {
    "name": "Frequent Statement Fee",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "2.00"
    },
    "additionalInfo": "This fee applies to members who request a statement more regularly than the statement cycle specified in the Summary of Term Investment Accounts table in Chapter 7. Excludes eStatements, which are free of charge.",
    "additionalInfoUri": "https://www.peoplefirstbank.com.au/brc-8-6-148"
   }
  ],
  "depositRates": [
   {
    "rate": "0.03",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P2M",
    "additionalValue": "P2M",
    "additionalInfo": "For rates on investment amounts $5,000,000 and above please phone 13 11 82 or visit your local branch",
    "additionalInfoUri": "https://www.peoplefirstbank.com.au/banking/term-deposit",
    "tiers": [
     {
      "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/bank-account-rates",
      "name": "Term Tier 2M",
      "unitOfMeasure": "MONTH",
      "minimumValue": "2",
      "maximumValue": "3",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "applicabilityConditions": [
       {
        "rateApplicabilityType": "OTHER",
        "additionalInfo": "N/A",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/bank-account-rates"
       }
      ]
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.04",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P3M",
    "additionalValue": "P3M",
    "additionalInfo": "For rates on investment amounts $5,000,000 and above please phone 13 11 82 or visit your local branch",
    "additionalInfoUri": "https://www.peoplefirstbank.com.au/banking/term-deposit",
    "tiers": [
     {
      "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/bank-account-rates",
      "name": "Term Tier 3M",
      "unitOfMeasure": "MONTH",
      "minimumValue": "3",
      "maximumValue": "4",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "applicabilityConditions": [
       {
        "rateApplicabilityType": "OTHER",
        "additionalInfo": "N/A",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/bank-account-rates"
       }
      ]
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0485",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P4M",
    "additionalValue": "P4M",
    "additionalInfo": "For rates on investment amounts $5,000,000 and above please phone 13 11 82 or visit your local branch",
    "additionalInfoUri": "https://www.peoplefirstbank.com.au/banking/term-deposit",
    "tiers": [
     {
      "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/bank-account-rates",
      "name": "Term Tier 4M",
      "unitOfMeasure": "MONTH",
      "minimumValue": "4",
      "maximumValue": "5",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "applicabilityConditions": [
       {
        "rateApplicabilityType": "OTHER",
        "additionalInfo": "N/A",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/bank-account-rates"
       }
      ]
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.04",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P5M",
    "additionalValue": "P5M",
    "additionalInfo": "For rates on investment amounts $5,000,000 and above please phone 13 11 82 or visit your local branch",
    "additionalInfoUri": "https://www.peoplefirstbank.com.au/banking/term-deposit",
    "tiers": [
     {
      "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/bank-account-rates",
      "name": "Term Tier 5M",
      "unitOfMeasure": "MONTH",
      "minimumValue": "5",
      "maximumValue": "6",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "applicabilityConditions": [
       {
        "rateApplicabilityType": "OTHER",
        "additionalInfo": "N/A",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/bank-account-rates"
       }
      ]
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.05",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P6M",
    "additionalValue": "P6M",
    "additionalInfo": "For rates on investment amounts $5,000,000 and above please phone 13 11 82 or visit your local branch",
    "additionalInfoUri": "https://www.peoplefirstbank.com.au/banking/term-deposit",
    "tiers": [
     {
      "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/bank-account-rates",
      "name": "Term Tier 6M",
      "unitOfMeasure": "MONTH",
      "minimumValue": "6",
      "maximumValue": "7",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "applicabilityConditions": [
       {
        "rateApplicabilityType": "OTHER",
        "additionalInfo": "N/A",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/bank-account-rates"
       }
      ]
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0545",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P7M",
    "additionalValue": "P7M",
    "additionalInfo": "For rates on investment amounts $5,000,000 and above please phone 13 11 82 or visit your local branch",
    "additionalInfoUri": "https://www.peoplefirstbank.com.au/banking/term-deposit",
    "tiers": [
     {
      "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/bank-account-rates",
      "name": "Term Tier 7M",
      "unitOfMeasure": "MONTH",
      "minimumValue": "7",
      "maximumValue": "8",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "applicabilityConditions": [
       {
        "rateApplicabilityType": "OTHER",
        "additionalInfo": "N/A",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/bank-account-rates"
       }
      ]
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.045",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P8M",
    "additionalValue": "P8M",
    "additionalInfo": "For rates on investment amounts $5,000,000 and above please phone 13 11 82 or visit your local branch",
    "additionalInfoUri": "https://www.peoplefirstbank.com.au/banking/term-deposit",
    "tiers": [
     {
      "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/bank-account-rates",
      "name": "Term Tier 8M",
      "unitOfMeasure": "MONTH",
      "minimumValue": "8",
      "maximumValue": "9",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "applicabilityConditions": [
       {
        "rateApplicabilityType": "OTHER",
        "additionalInfo": "N/A",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/bank-account-rates"
       }
      ]
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.051",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P9M",
    "additionalValue": "P9M",
    "additionalInfo": "For rates on investment amounts $5,000,000 and above please phone 13 11 82 or visit your local branch",
    "additionalInfoUri": "https://www.peoplefirstbank.com.au/banking/term-deposit",
    "tiers": [
     {
      "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/bank-account-rates",
      "name": "Term Tier 9M",
      "unitOfMeasure": "MONTH",
      "minimumValue": "9",
      "maximumValue": "10",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "applicabilityConditions": [
       {
        "rateApplicabilityType": "OTHER",
        "additionalInfo": "N/A",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/bank-account-rates"
       }
      ]
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.045",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P10M",
    "additionalValue": "P10M",
    "additionalInfo": "For rates on investment amounts $5,000,000 and above please phone 13 11 82 or visit your local branch",
    "additionalInfoUri": "https://www.peoplefirstbank.com.au/banking/term-deposit",
    "tiers": [
     {
      "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/bank-account-rates",
      "name": "Term Tier 10M",
      "unitOfMeasure": "MONTH",
      "minimumValue": "10",
      "maximumValue": "11",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "applicabilityConditions": [
       {
        "rateApplicabilityType": "OTHER",
        "additionalInfo": "N/A",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/bank-account-rates"
       }
      ]
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.045",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P11M",
    "additionalValue": "P11M",
    "additionalInfo": "For rates on investment amounts $5,000,000 and above please phone 13 11 82 or visit your local branch",
    "additionalInfoUri": "https://www.peoplefirstbank.com.au/banking/term-deposit",
    "tiers": [
     {
      "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/bank-account-rates",
      "name": "Term Tier 11M",
      "unitOfMeasure": "MONTH",
      "minimumValue": "11",
      "maximumValue": "12",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "applicabilityConditions": [
       {
        "rateApplicabilityType": "OTHER",
        "additionalInfo": "N/A",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/bank-account-rates"
       }
      ]
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0508",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "additionalValue": "P1Y",
    "additionalInfo": "For rates on investment amounts $5,000,000 and above please phone 13 11 82 or visit your local branch",
    "additionalInfoUri": "https://www.peoplefirstbank.com.au/banking/term-deposit",
    "tiers": [
     {
      "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/bank-account-rates",
      "name": "Term Tier 12M",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "maximumValue": "24",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "applicabilityConditions": [
       {
        "rateApplicabilityType": "OTHER",
        "additionalInfo": "N/A",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/bank-account-rates"
       }
      ]
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.052",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1Y",
    "additionalValue": "P1Y",
    "additionalInfo": "For rates on investment amounts $5,000,000 and above please phone 13 11 82 or visit your local branch",
    "additionalInfoUri": "https://www.peoplefirstbank.com.au/banking/term-deposit",
    "tiers": [
     {
      "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/bank-account-rates",
      "name": "Term Tier 12M",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "maximumValue": "24",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "applicabilityConditions": [
       {
        "rateApplicabilityType": "OTHER",
        "additionalInfo": "N/A",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/bank-account-rates"
       }
      ]
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0513",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "additionalValue": "P2Y",
    "additionalInfo": "For rates on investment amounts $5,000,000 and above please phone 13 11 82 or visit your local branch",
    "additionalInfoUri": "https://www.peoplefirstbank.com.au/banking/term-deposit",
    "tiers": [
     {
      "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/bank-account-rates",
      "name": "Term Tier 2Y",
      "unitOfMeasure": "MONTH",
      "minimumValue": "24",
      "maximumValue": "36",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "applicabilityConditions": [
       {
        "rateApplicabilityType": "OTHER",
        "additionalInfo": "N/A",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/bank-account-rates"
       }
      ]
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0525",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1Y",
    "additionalValue": "P2Y",
    "additionalInfo": "For rates on investment amounts $5,000,000 and above please phone 13 11 82 or visit your local branch",
    "additionalInfoUri": "https://www.peoplefirstbank.com.au/banking/term-deposit",
    "tiers": [
     {
      "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/bank-account-rates",
      "name": "Term Tier 2Y",
      "unitOfMeasure": "MONTH",
      "minimumValue": "24",
      "maximumValue": "36",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "applicabilityConditions": [
       {
        "rateApplicabilityType": "OTHER",
        "additionalInfo": "N/A",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/bank-account-rates"
       }
      ]
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0513",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "additionalValue": "P3Y",
    "additionalInfo": "For rates on investment amounts $5,000,000 and above please phone 13 11 82 or visit your local branch",
    "additionalInfoUri": "https://www.peoplefirstbank.com.au/banking/term-deposit",
    "tiers": [
     {
      "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/bank-account-rates",
      "name": "Term Tier 3Y",
      "unitOfMeasure": "MONTH",
      "minimumValue": "36",
      "maximumValue": "48",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "applicabilityConditions": [
       {
        "rateApplicabilityType": "OTHER",
        "additionalInfo": "N/A",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/bank-account-rates"
       }
      ]
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0525",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1Y",
    "additionalValue": "P3Y",
    "additionalInfo": "For rates on investment amounts $5,000,000 and above please phone 13 11 82 or visit your local branch",
    "additionalInfoUri": "https://www.peoplefirstbank.com.au/banking/term-deposit",
    "tiers": [
     {
      "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/bank-account-rates",
      "name": "Term Tier 3Y",
      "unitOfMeasure": "MONTH",
      "minimumValue": "36",
      "maximumValue": "48",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "applicabilityConditions": [
       {
        "rateApplicabilityType": "OTHER",
        "additionalInfo": "N/A",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/bank-account-rates"
       }
      ]
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0513",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "additionalValue": "P4Y",
    "additionalInfo": "For rates on investment amounts $5,000,000 and above please phone 13 11 82 or visit your local branch",
    "additionalInfoUri": "https://www.peoplefirstbank.com.au/banking/term-deposit",
    "tiers": [
     {
      "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/bank-account-rates",
      "name": "Term Tier 4Y",
      "unitOfMeasure": "MONTH",
      "minimumValue": "48",
      "maximumValue": "60",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "applicabilityConditions": [
       {
        "rateApplicabilityType": "OTHER",
        "additionalInfo": "N/A",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/bank-account-rates"
       }
      ]
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0525",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1Y",
    "additionalValue": "P4Y",
    "additionalInfo": "For rates on investment amounts $5,000,000 and above please phone 13 11 82 or visit your local branch",
    "additionalInfoUri": "https://www.peoplefirstbank.com.au/banking/term-deposit",
    "tiers": [
     {
      "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/bank-account-rates",
      "name": "Term Tier 4Y",
      "unitOfMeasure": "MONTH",
      "minimumValue": "48",
      "maximumValue": "60",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "applicabilityConditions": [
       {
        "rateApplicabilityType": "OTHER",
        "additionalInfo": "N/A",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/bank-account-rates"
       }
      ]
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0513",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "additionalValue": "P5Y",
    "additionalInfo": "For rates on investment amounts $5,000,000 and above please phone 13 11 82 or visit your local branch",
    "additionalInfoUri": "https://www.peoplefirstbank.com.au/banking/term-deposit",
    "tiers": [
     {
      "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/bank-account-rates",
      "name": "Term Tier 5Y",
      "unitOfMeasure": "MONTH",
      "minimumValue": "60",
      "maximumValue": "60",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "applicabilityConditions": [
       {
        "rateApplicabilityType": "OTHER",
        "additionalInfo": "N/A",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/bank-account-rates"
       }
      ]
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0525",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1Y",
    "additionalValue": "P5Y",
    "additionalInfo": "For rates on investment amounts $5,000,000 and above please phone 13 11 82 or visit your local branch",
    "additionalInfoUri": "https://www.peoplefirstbank.com.au/banking/term-deposit",
    "tiers": [
     {
      "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/bank-account-rates",
      "name": "Term Tier 5Y",
      "unitOfMeasure": "MONTH",
      "minimumValue": "60",
      "maximumValue": "60",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "applicabilityConditions": [
       {
        "rateApplicabilityType": "OTHER",
        "additionalInfo": "N/A",
        "additionalInfoUri": "https://www.peoplefirstbank.com.au/rates/bank-account-rates"
       }
      ]
     }
    ],
    "depositRateType": "FIXED"
   }
  ]
 }
}