{
 "snapshot_at": "2026-10-02T09:50:48Z",
 "brand": "Police Bank",
 "brand_slug": "police-bank",
 "product_id": "934b3b27-224e-41b9-a827-2032ec619780",
 "cdr_url": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/934b3b27-224e-41b9-a827-2032ec619780",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/934b3b27-224e-41b9-a827-2032ec619780'",
 "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": {
  "brand": "Police Bank",
  "description": "Term Deposit",
  "isTailored": false,
  "lastUpdated": "2026-09-02T14:01:27.339Z",
  "name": "Term Deposit",
  "productCategory": "TERM_DEPOSITS",
  "productId": "934b3b27-224e-41b9-a827-2032ec619780",
  "additionalInformation": {
   "overviewUri": "https://www.policebank.com.au/forms/term-deposits",
   "termsUri": null,
   "eligibilityUri": "https://cdn.mediavalet.com/aunsw/policebank/FOSzYfbSMUW3BV4bmVcuOA/oyS3R4iXiU-AmIPwwCAuCQ/Original/PBSTD_Standard-Term-Deposit-TMD.pdf",
   "feesAndPricingUri": null,
   "bundleUri": null,
   "additionalOverviewUris": null,
   "additionalTermsUris": null,
   "additionalEligibilityUris": null,
   "additionalFeesAndPricingUris": null,
   "additionalBundleUris": null
  },
  "applicationUri": "https://www.policebank.com.au/forms/term-deposits",
  "brandName": null,
  "brandGroup": null,
  "cardArt": null,
  "effectiveFrom": "2023-01-20T07:00:00Z",
  "effectiveTo": null,
  "bundles": null,
  "constraints": null,
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.042",
    "additionalInfo": "Balance $10,000 or more - I32 Interest Paid Every 6 Months",
    "additionalInfoUri": "https://www.policebank.com.au/interest-rates/#",
    "additionalValue": "P48M",
    "applicationFrequency": "P6M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "name": "I32",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "10000.00",
      "maximumValue": "500000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "PERIODIC",
    "applicabilityConditions": null
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0415",
    "additionalInfo": "Balance $10,000 or more - I53 Interest Paid Every Month",
    "additionalInfoUri": "https://www.policebank.com.au/interest-rates/#",
    "additionalValue": "P36M",
    "applicationFrequency": "P1M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "name": "I53",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "10000.00",
      "maximumValue": "500000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "PERIODIC",
    "applicabilityConditions": null
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.042",
    "additionalInfo": "Balance $10,000 or more - I31 Interest Paid Every 6 Months",
    "additionalInfoUri": "https://www.policebank.com.au/interest-rates/#",
    "additionalValue": "P36M",
    "applicationFrequency": "P6M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "name": "I31",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "10000.00",
      "maximumValue": "500000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "PERIODIC",
    "applicabilityConditions": null
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0425",
    "additionalInfo": "Balance $1,000 to $9,999 - I2 Interest Paid Every Month",
    "additionalInfoUri": "https://www.policebank.com.au/interest-rates/#",
    "additionalValue": "P3M",
    "applicationFrequency": "P1M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "name": "I2",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "10000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "PERIODIC",
    "applicabilityConditions": null
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.048",
    "additionalInfo": "Balance $10,000 or more - I10 Interest Paid Every Month",
    "additionalInfoUri": "https://www.policebank.com.au/interest-rates/#",
    "additionalValue": "P6M",
    "applicationFrequency": "P1M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "name": "I10 6M",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "10000.00",
      "maximumValue": "500000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "PERIODIC",
    "applicabilityConditions": null
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.014",
    "additionalInfo": "Balance $20,000 or more - I60 Interest Paid at Maturity",
    "additionalInfoUri": "https://www.policebank.com.au/interest-rates/#",
    "additionalValue": "P2M",
    "applicationFrequency": null,
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "name": "I60",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "20000.00",
      "maximumValue": "500000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "MATURITY",
    "applicabilityConditions": null
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0465",
    "additionalInfo": "Balance $10,000 or more - I5 Interest Paid at Maturity",
    "additionalInfoUri": "https://www.policebank.com.au/interest-rates/#",
    "additionalValue": "P7M",
    "applicationFrequency": null,
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "name": "I5 7M",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "10000.00",
      "maximumValue": "500000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "MATURITY",
    "applicabilityConditions": null
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0415",
    "additionalInfo": "Balance $10,000 or more - I55 Interest Paid Every Month",
    "additionalInfoUri": "https://www.policebank.com.au/interest-rates/#",
    "additionalValue": "P60M",
    "applicationFrequency": "P1M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "name": "I55",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "10000.00",
      "maximumValue": "500000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "PERIODIC",
    "applicabilityConditions": null
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0415",
    "additionalInfo": "Balance $10,000 or more - I54 Interest Paid Every Month",
    "additionalInfoUri": "https://www.policebank.com.au/interest-rates/#",
    "additionalValue": "P48M",
    "applicationFrequency": "P1M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "name": "I54",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "10000.00",
      "maximumValue": "500000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "PERIODIC",
    "applicabilityConditions": null
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.052",
    "additionalInfo": "Balance $10,000 or more - I10 Interest Paid Every Month",
    "additionalInfoUri": "https://www.policebank.com.au/interest-rates/#",
    "additionalValue": "P9M",
    "applicationFrequency": "P1M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "name": "I10 9M",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "10000.00",
      "maximumValue": "500000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "PERIODIC",
    "applicabilityConditions": null
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.043",
    "additionalInfo": "Balance $10,000 or more - I5 Interest Paid at Maturity",
    "additionalInfoUri": "https://www.policebank.com.au/interest-rates/#",
    "additionalValue": "P5M",
    "applicationFrequency": null,
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "name": "I5 5M",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "10000.00",
      "maximumValue": "500000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "MATURITY",
    "applicabilityConditions": null
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0485",
    "additionalInfo": "Balance $10,000 or more - I25 Interest Paid at Maturity",
    "additionalInfoUri": "https://www.policebank.com.au/interest-rates/#",
    "additionalValue": "P6M",
    "applicationFrequency": null,
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "name": "I25",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "10000.00",
      "maximumValue": "500000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "MATURITY",
    "applicabilityConditions": null
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0455",
    "additionalInfo": "Balance $10,000-$500,000 - I52 Interest Paid Every Month",
    "additionalInfoUri": "https://www.policebank.com.au/interest-rates/#",
    "additionalValue": "P24M",
    "applicationFrequency": "P1M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "name": "I52",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "10000.00",
      "maximumValue": "500000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "PERIODIC",
    "applicabilityConditions": null
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.043",
    "additionalInfo": "Balance $1,000 to $9,999 - I1 Interest Paid at Maturity",
    "additionalInfoUri": "https://www.policebank.com.au/interest-rates/#",
    "additionalValue": "P3M",
    "applicationFrequency": null,
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "name": "I1",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "10000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "MATURITY",
    "applicabilityConditions": null
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.05",
    "additionalInfo": "Balance $10,000-$500,000 - I12 Interest Paid at Maturity",
    "additionalInfoUri": "https://www.policebank.com.au/interest-rates/#",
    "additionalValue": "P12M",
    "applicationFrequency": null,
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "name": "I12",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "10000.00",
      "maximumValue": "500000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "MATURITY",
    "applicabilityConditions": null
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0425",
    "additionalInfo": "Balance $10,000 or more - I3 Interest Paid Every Month",
    "additionalInfoUri": "https://www.policebank.com.au/interest-rates/#",
    "additionalValue": "P3M",
    "applicationFrequency": "P1M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "name": "I3",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "10000.00",
      "maximumValue": "500000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "PERIODIC",
    "applicabilityConditions": null
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0525",
    "additionalInfo": "Balance $10,000 or more - I5 Interest Paid at Maturity",
    "additionalInfoUri": "https://www.policebank.com.au/interest-rates/#",
    "additionalValue": "P4M",
    "applicationFrequency": null,
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "name": "I5 4M",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "10000.00",
      "maximumValue": "500000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "MATURITY",
    "applicabilityConditions": null
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0495",
    "additionalInfo": "Balance $10,000 to $500,000 - I24 Interest Paid Every Month",
    "additionalInfoUri": "https://www.policebank.com.au/interest-rates/#",
    "additionalValue": "P12M",
    "applicationFrequency": "P1M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "name": "I24",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "10000.00",
      "maximumValue": "500000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "PERIODIC",
    "applicabilityConditions": null
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.042",
    "additionalInfo": "Balance $10,000 or more - I33 Interest Paid Every 6 Months",
    "additionalInfoUri": "https://www.policebank.com.au/interest-rates/#",
    "additionalValue": "P60M",
    "applicationFrequency": "P6M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "name": "I33",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "10000.00",
      "maximumValue": "500000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "PERIODIC",
    "applicabilityConditions": null
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.046",
    "additionalInfo": "Balance $10,000 or more - I29 Interest Paid Every 6 months",
    "additionalInfoUri": "https://www.policebank.com.au/interest-rates/#",
    "additionalValue": "P24M",
    "applicationFrequency": "P6M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "name": "I29",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "10000.00",
      "maximumValue": "500000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "PERIODIC",
    "applicabilityConditions": null
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.011",
    "additionalInfo": "Balance $20,000 or more - I63 Interest Paid Monthly",
    "additionalInfoUri": "https://www.policebank.com.au/interest-rates/#",
    "additionalValue": "P30M",
    "applicationFrequency": "P1M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "name": "I63",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "20000.00",
      "maximumValue": "500000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "PERIODIC",
    "applicabilityConditions": null
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.043",
    "additionalInfo": "Balance $10,000 or more - I5 Interest Paid at Maturity",
    "additionalInfoUri": "https://www.policebank.com.au/interest-rates/#",
    "additionalValue": "P3M",
    "applicationFrequency": null,
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "name": "I5 3M",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "10000.00",
      "maximumValue": "500000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "MATURITY",
    "applicabilityConditions": null
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0525",
    "additionalInfo": "Balance $10,000 or more - I5 Interest Paid at Maturity",
    "additionalInfoUri": "https://www.policebank.com.au/interest-rates/#",
    "additionalValue": "P9M",
    "applicationFrequency": null,
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "name": "I5 9M",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "10000.00",
      "maximumValue": "500000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "MATURITY",
    "applicabilityConditions": null
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "RESIDENCY_STATUS",
    "additionalInfo": null,
    "additionalInfoUri": "https://www.policebank.com.au/investments/term-deposits/",
    "additionalValue": "Australian Citizens"
   },
   {
    "eligibilityType": "RESIDENCY_STATUS",
    "additionalInfo": null,
    "additionalInfoUri": "https://www.policebank.com.au/investments/term-deposits/",
    "additionalValue": "Australian Residents"
   }
  ],
  "features": [
   {
    "featureType": "OTHER",
    "additionalInfo": "Contributes to Reduced Fees Program. Simply maintain a combined monthly balance of $5000 or more worth of savings, investments or loans and you will receive more fee free ATM and EFTPOS transactions as well as qualify for fee rebates.",
    "additionalInfoUri": "https://www.policebank.com.au/pdf/Schedule_of_fees_and_charges.pdf",
    "additionalValue": null
   },
   {
    "featureType": "DIGITAL_BANKING",
    "additionalInfo": "Internet Banking. You can check your account details online with Internet Banking – the service is free.",
    "additionalInfoUri": "https://www.policebank.com.au/pdf/financial_services_guide.pdf",
    "additionalValue": null
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Resist temptation to dip into funds by locking funds away",
    "additionalInfoUri": "https://www.policebank.com.au/investments/term-deposits/",
    "additionalValue": null
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Phone Banking. You can check your account details online with Internet Banking – the service is free.",
    "additionalInfoUri": "https://www.policebank.com.au/pdf/financial_services_guide.pdf",
    "additionalValue": null
   }
  ],
  "fees": [
   {
    "feeType": "EVENT",
    "name": "Penalty Interest",
    "additionalInfo": "Reduced rate for early redemption is 0.10% p.a.",
    "additionalInfoUri": "https://www.policebank.com.au/interest-rates/#",
    "additionalValue": null,
    "currency": "AUD",
    "discounts": null,
    "feeMethodUType": "rateBased",
    "fixedAmount": null,
    "rateBased": {
     "rateType": "TRANSACTION",
     "rate": "0.001",
     "accrualFrequency": null,
     "amountRange": null
    },
    "variable": null,
    "feeCap": null,
    "feeCapPeriod": null
   }
  ],
  "lendingRates": null,
  "instalments": null
 }
}