{
 "snapshot_at": "2026-10-02T14:20:56Z",
 "brand": "Queensland Country Bank",
 "brand_slug": "queensland-country-bank",
 "product_id": "41",
 "cdr_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/41",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/41'",
 "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": "41",
  "effectiveFrom": "2022-03-27T13:30:00.0000000Z",
  "lastUpdated": "2026-10-02T14:00:24.0731915Z",
  "productCategory": "TERM_DEPOSITS",
  "name": "FTD - Interest Monthly",
  "description": "Fixed Term Deposits are available for terms from 3mths to 36mths.  Fixed Term Deposits allow you to lock funds away for the agreed time, at the agreed rate with options for interest to be paid monthly, annually or at the end term.",
  "brand": "Queensland Country Bank",
  "isTailored": false,
  "additionalInformation": {
   "overviewUri": "https://www.queenslandcountry.bank/Banking/fixed-term-deposits/term-deposits-monthly/",
   "termsUri": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_account-access-facility.pdf",
   "feesAndPricingUri": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf"
  },
  "constraints": [
   {
    "constraintType": "MIN_BALANCE",
    "additionalValue": "1000.00"
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "MIN_AGE",
    "additionalValue": "13"
   }
  ],
  "fees": [
   {
    "name": "Early Redemption Fee",
    "feeType": "WITHDRAWAL",
    "feeMethodUType": "rateBased",
    "rateBased": {
     "rateType": "INTEREST_ACCRUED",
     "rate": "0.02",
     "amountRange": {}
    },
    "currency": "AUD",
    "additionalInfo": "Calculated as follows: Withdrawal Amount x (Early Redemption Rate of 2%) x (days invested/365)",
    "additionalInfoUri": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf"
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.0515",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "12 month term",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P12M"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.049",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "24 month term",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P24M"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.036",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "3 month term",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P3M",
    "additionalInfo": "A 3 - 5 month term is available.\r\nThe interest is paid monthly."
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.044",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "36 month term",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P36M"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.038",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "6 month term",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P6M",
    "additionalInfo": "A 6 - 11 month term is available.\r\nThe interest is paid monthly."
   }
  ]
 }
}