{
 "snapshot_at": "2026-10-02T14:20:56Z",
 "brand": "Queensland Country Bank",
 "brand_slug": "queensland-country-bank",
 "product_id": "74",
 "cdr_url": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/74",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/74'",
 "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": "74",
  "effectiveFrom": "2025-02-13T13:30:00.0000000Z",
  "lastUpdated": "2026-10-02T14:00:24.0731915Z",
  "productCategory": "TERM_DEPOSITS",
  "name": "FMD 24 Mth Int Annually",
  "description": "Farm Management Deposit Accounts (FMDA's) are available for terms from 3-24 months. This product allows members to lock funds away for the agreed period, at the agreed rate with options for earned interest to be paid monthly, annually or at maturity.",
  "brand": "Queensland Country Bank",
  "isTailored": false,
  "additionalInformation": {
   "overviewUri": "https://www.queenslandcountry.bank/business-banking/agribusiness/farm-management-deposit-account/",
   "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": "BUSINESS",
    "additionalInfo": "For further information on FMDA eligibility criteria and conditions refer to the Australian Government Department of Agriculture and Water Resources and also the Australian Taxation Office"
   }
  ],
  "fees": [
   {
    "name": "Early Redemption Fee",
    "feeType": "WITHDRAWAL",
    "feeMethodUType": "rateBased",
    "rateBased": {
     "rateType": "INTEREST_ACCRUED",
     "rate": "0.02",
     "amountRange": {}
    },
    "currency": "AUD",
    "additionalInfo": "Calculated as follows: Principal 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": "0.041",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P12M",
    "additionalValue": "P24M"
   }
  ]
 }
}