{
 "snapshot_at": "2026-10-02T09:50:53Z",
 "brand": "QBANK",
 "brand_slug": "qbank",
 "product_id": "I13_Term_3",
 "cdr_url": "https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/I13_Term_3",
 "x_v": 6,
 "how_to_fetch": "curl -H 'x-v: 6' 'https://banking.qbank.com.au/openbanking/cds-au/v1/banking/products/I13_Term_3'",
 "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": "OTHER",
    "additionalInfo": "No account keeping fee"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "A guaranteed rate for terms from 3 to 60 months"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Earn a competitive interest rate on your investment with a minimum opening balance of $2,000 can get you started."
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Interest can be paid fortnightly, monthly, 12 monthly or at maturity."
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "For deposits of $1,000,000 and over, rates are by negotiation and subject to acceptance."
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "We'll send you a written renewal notice before your deposit matures."
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "If you want to withdraw your Term Deposit before it matures you'll need to give us 31 days' notice. A reduced rate of interest will apply in these circumstances. For full details refer to our Conditions of Use.",
    "additionalInfoUri": "https://www.qbank.com.au/terms-conditions"
   },
   {
    "featureType": "DIGITAL_BANKING"
   }
  ],
  "constraints": [
   {
    "constraintType": "OPENING_BALANCE",
    "additionalValue": "2000.00"
   },
   {
    "constraintType": "MIN_BALANCE",
    "additionalValue": "2000.00"
   },
   {
    "constraintType": "MAX_BALANCE",
    "additionalValue": "1000000.00",
    "additionalInfo": "For deposits of $1,000,000 and over, rates are by negotiation and subject to acceptance."
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "OTHER",
    "additionalInfo": "You do not have to be a member of Qbank to hold a term deposit.",
    "additionalInfoUri": "https://www.qbank.com.au/products/accounts/term-deposits"
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.043",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "Term Deposit 3 Month_Tier_1",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "2000.00",
      "maximumValue": "9999.99",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit 3 Month_Tier_1",
      "unitOfMeasure": "MONTH",
      "minimumValue": "3",
      "maximumValue": "3",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P3M"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.045",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "Term Deposit 3 Month_Tier_2",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "10000.00",
      "maximumValue": "99999.99",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit 3 Month_Tier_2",
      "unitOfMeasure": "MONTH",
      "minimumValue": "3",
      "maximumValue": "3",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P3M"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.047",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "Term Deposit 3 Month_Tier_3",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "100000.00",
      "maximumValue": "249999.99",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit 3 Month_Tier_3",
      "unitOfMeasure": "MONTH",
      "minimumValue": "3",
      "maximumValue": "3",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P3M"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.049",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "Term Deposit 3 Month_Tier_4",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "250000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit 3 Month_Tier_4",
      "unitOfMeasure": "MONTH",
      "minimumValue": "3",
      "maximumValue": "3",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P3M"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0415",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P14D",
    "tiers": [
     {
      "name": "Term Deposit 3 Month_Tier_1",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "2000.00",
      "maximumValue": "9999.99",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit 3 Month_Tier_1",
      "unitOfMeasure": "MONTH",
      "minimumValue": "3",
      "maximumValue": "3",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P3M"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0435",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P14D",
    "tiers": [
     {
      "name": "Term Deposit 3 Month_Tier_2",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "10000.00",
      "maximumValue": "99999.99",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit 3 Month_Tier_2",
      "unitOfMeasure": "MONTH",
      "minimumValue": "3",
      "maximumValue": "3",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P3M"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0455",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P14D",
    "tiers": [
     {
      "name": "Term Deposit 3 Month_Tier_3",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "100000.00",
      "maximumValue": "249999.99",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit 3 Month_Tier_3",
      "unitOfMeasure": "MONTH",
      "minimumValue": "3",
      "maximumValue": "3",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P3M"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0475",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P14D",
    "tiers": [
     {
      "name": "Term Deposit 3 Month_Tier_4",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "250000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit 3 Month_Tier_4",
      "unitOfMeasure": "MONTH",
      "minimumValue": "3",
      "maximumValue": "3",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P3M"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0415",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "Term Deposit 3 Month_Tier_1",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "2000.00",
      "maximumValue": "9999.99",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit 3 Month_Tier_1",
      "unitOfMeasure": "MONTH",
      "minimumValue": "3",
      "maximumValue": "3",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P3M"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0435",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "Term Deposit 3 Month_Tier_2",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "10000.00",
      "maximumValue": "99999.99",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit 3 Month_Tier_2",
      "unitOfMeasure": "MONTH",
      "minimumValue": "3",
      "maximumValue": "3",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P3M"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0455",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "Term Deposit 3 Month_Tier_3",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "100000.00",
      "maximumValue": "249999.99",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit 3 Month_Tier_3",
      "unitOfMeasure": "MONTH",
      "minimumValue": "3",
      "maximumValue": "3",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P3M"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0475",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "Term Deposit 3 Month_Tier_4",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "250000.00",
      "maximumValue": "9999999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit 3 Month_Tier_4",
      "unitOfMeasure": "MONTH",
      "minimumValue": "3",
      "maximumValue": "3",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P3M"
   }
  ],
  "productId": "I13_Term_3",
  "lastUpdated": "2026-08-20T19:45:40.000+10:00",
  "productCategory": "TERM_DEPOSITS",
  "name": "Term Deposit 3 Month",
  "description": "A great way to grow your money safely and securely.",
  "brand": "QBANK",
  "brandName": "QBANK",
  "applicationUri": "https://www.qbank.com.au/products/accounts/term-deposits",
  "isTailored": false,
  "additionalInformation": {
   "overviewUri": "https://www.qbank.com.au/products/accounts/term-deposits",
   "termsUri": "https://qbank.com.au/other-content/general-information-terms-conditions/",
   "eligibilityUri": "https://www.qbank.com.au/products/accounts/term-deposits",
   "feesAndPricingUri": "https://www.qbank.com.au/rates-fees"
  }
 }
}