{ "snapshot_at": "2026-10-02T09:50:55Z", "brand": "Rabobank", "brand_slug": "rabobank", "product_id": "2033f456-12a3-4daf-8d68-feec78bf26ef", "cdr_url": "https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2033f456-12a3-4daf-8d68-feec78bf26ef", "x_v": 7, "how_to_fetch": "curl -H 'x-v: 7' 'https://openbanking.api.rabobank.com.au/public/cds-au/v1/banking/products/2033f456-12a3-4daf-8d68-feec78bf26ef'", "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": "2033f456-12a3-4daf-8d68-feec78bf26ef", "lastUpdated": "2026-05-13T00:54:30Z", "productCategory": "TERM_DEPOSITS", "name": "Rabobank Farm Management Deposit (Fixed rate)", "description": "Being available to individual primary producers, the Rabobank Farm Management Deposit (FMD) account can enable them set aside surplus pre-tax income from profitable seasons to help out in leaner times.", "brand": "Rabobank", "applicationUri": "https://www.rabobank.com.au/banking/deposits#farm-management-deposits", "isTailored": false, "additionalInformation": { "overviewUri": "https://www.rabobank.com.au/banking/deposits#farm-management-deposits", "termsUri": "https://www.rabobank.com.au/ctd_tcs.html", "eligibilityUri": "https://www.rabobank.com.au/banking/deposits#farm-management-deposits", "feesAndPricingUri": "https://www.rabobank.com.au/product-rates#farm_mgt" }, "features": [ { "featureType": "DIGITAL_BANKING", "additionalInfo": "Online and mobile banking.", "additionalInfoUri": "https://www.rabobank.com.au/mobile-banking-app#sba" }, { "featureType": "FRAUD_PROTECTION", "additionalInfo": "Includes fraud protection." }, { "featureType": "NOTIFICATIONS", "additionalValue": "Includes advanced notifications sent to clients.", "additionalInfo": "An alert about future events or notifications." }, { "featureType": "OTHER", "additionalInfo": "From February 1 2012, the Financial Claims Scheme applies to eligible deposits with a balance up to $250,000 per account holder, per Authorised Deposit-taking Institution.", "additionalInfoUri": "https://www.rabobank.com.au/banking/deposits" } ], "constraints": [ { "constraintType": "MAX_BALANCE", "additionalValue": "800000.00", "additionalInfo": "The total balance in all your Farm Management Deposit accounts, across all financial institutions, can't be more than $800,000 (or another amount as amended by legislation from time to time)." }, { "constraintType": "OPENING_BALANCE", "additionalValue": "1000.00" } ], "eligibility": [ { "eligibilityType": "NATURAL_PERSON", "additionalInfo": "You must be an individual primary producer (with taxable non-primary production income of $100,000 or less for the income year or another amount as amended by legislation from time to time) at the time of making a Farm Management Deposit." }, { "eligibilityType": "OTHER", "additionalInfo": "Suitable for farmers (individual primary producers) only." }, { "eligibilityType": "OTHER", "additionalInfo": "Applicants who are minors (less than 18 years of age) will be considered if they are a beneficiary of a trust. Rabobank will require an Authorised Signatory who is 18 years or older to operate the Account on behalf of the minor." } ], "fees": [ { "name": "Account keeping fee", "feeType": "PERIODIC", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "0.00" }, "currency": "AUD", "additionalValue": "P1M" }, { "name": "Early withdrawal fee", "feeType": "EXIT", "feeMethodUType": "variable", "variable": {}, "currency": "AUD", "additionalInfo": "If you would like to withdraw your Term Deposit prior to maturity, you will be required to provide us with at least 31 calendar days' notice and pay an early withdrawal fee unless we determine that you are suffering financial hardship. Please refer to the Terms and Conditions for details.", "additionalInfoUri": "https://www.rabobank.com.au/help-and-support/early-withdrawal-from-a-term-deposit-or-term-fmd/", "discounts": [ { "description": "Early withdrawal fee waiver (suffering financial hardship)", "discountType": "ELIGIBILITY_ONLY", "discountMethodUType": "rateBased", "rateBased": { "rateType": "FEE", "rate": "1.0" }, "additionalInfo": "The early withdrawal fee will be waived if we determine that you are suffering financial hardship.", "additionalInfoUri": "https://www.rabobank.com.au/help-and-support/early-withdrawal-from-a-term-deposit-or-term-fmd/", "eligibility": [ { "discountEligibilityType": "OTHER", "additionalInfo": "If we determine that you are suffering financial hardship.", "additionalInfoUri": "https://www.rabobank.com.au/banking/financial-hardship/" } ] }, { "description": "Early withdrawal fee waiver (reinvesting during the grace period)", "discountType": "ELIGIBILITY_ONLY", "discountMethodUType": "rateBased", "rateBased": { "rateType": "FEE", "rate": "1.0" }, "additionalInfo": "The early withdrawal fee will be waived if you withdraw funds within 7 days after reinvesting your term deposit.", "additionalInfoUri": "https://www.rabobank.com.au/help-and-support/early-withdrawal-from-a-term-deposit-or-term-fmd/", "eligibility": [ { "discountEligibilityType": "OTHER", "additionalInfo": "If you withdraw funds within 7 days after reinvesting your term deposit.", "additionalInfoUri": "https://www.rabobank.com.au/help-and-support/early-withdrawal-from-a-term-deposit-or-term-fmd/" } ] } ] } ], "depositRates": [ { "depositRateType": "FIXED", "rate": "0.02", "calculationFrequency": "P1D", "applicationType": "MATURITY", "applicationFrequency": "P30D", "tiers": [ { "name": "Balance", "unitOfMeasure": "DOLLAR", "minimumValue": "1000.00", "maximumValue": "99999.99", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P1M", "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt" }, { "depositRateType": "FIXED", "rate": "0.02", "calculationFrequency": "P1D", "applicationType": "MATURITY", "applicationFrequency": "P60D", "tiers": [ { "name": "Balance", "unitOfMeasure": "DOLLAR", "minimumValue": "1000.00", "maximumValue": "99999.99", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P2M", "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt" }, { "depositRateType": "FIXED", "rate": "0.0425", "calculationFrequency": "P1D", "applicationType": "MATURITY", "applicationFrequency": "P90D", "tiers": [ { "name": "Balance", "unitOfMeasure": "DOLLAR", "minimumValue": "1000.00", "maximumValue": "99999.99", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P3M", "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt" }, { "depositRateType": "FIXED", "rate": "0.04", "calculationFrequency": "P1D", "applicationType": "MATURITY", "applicationFrequency": "P120D", "tiers": [ { "name": "Balance", "unitOfMeasure": "DOLLAR", "minimumValue": "1000.00", "maximumValue": "99999.99", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P4M", "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt" }, { "depositRateType": "FIXED", "rate": "0.04", "calculationFrequency": "P1D", "applicationType": "MATURITY", "applicationFrequency": "P150D", "tiers": [ { "name": "Balance", "unitOfMeasure": "DOLLAR", "minimumValue": "1000.00", "maximumValue": "99999.99", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P5M", "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt" }, { "depositRateType": "FIXED", "rate": "0.0485", "calculationFrequency": "P1D", "applicationType": "MATURITY", "applicationFrequency": "P180D", "tiers": [ { "name": "Balance", "unitOfMeasure": "DOLLAR", "minimumValue": "1000.00", "maximumValue": "99999.99", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P6M", "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt" }, { "depositRateType": "FIXED", "rate": "0.05", "calculationFrequency": "P1D", "applicationType": "MATURITY", "applicationFrequency": "P270D", "tiers": [ { "name": "Balance", "unitOfMeasure": "DOLLAR", "minimumValue": "1000.00", "maximumValue": "99999.99", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P9M", "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt" }, { "depositRateType": "FIXED", "rate": "0.02", "calculationFrequency": "P1D", "applicationType": "MATURITY", "applicationFrequency": "P30D", "tiers": [ { "name": "Balance", "unitOfMeasure": "DOLLAR", "minimumValue": "100000.00", "maximumValue": "499999.99", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P1M", "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt" }, { "depositRateType": "FIXED", "rate": "0.02", "calculationFrequency": "P1D", "applicationType": "MATURITY", "applicationFrequency": "P60D", "tiers": [ { "name": "Balance", "unitOfMeasure": "DOLLAR", "minimumValue": "100000.00", "maximumValue": "499999.99", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P2M", "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt" }, { "depositRateType": "FIXED", "rate": "0.0425", "calculationFrequency": "P1D", "applicationType": "MATURITY", "applicationFrequency": "P90D", "tiers": [ { "name": "Balance", "unitOfMeasure": "DOLLAR", "minimumValue": "100000.00", "maximumValue": "499999.99", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P3M", "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt" }, { "depositRateType": "FIXED", "rate": "0.04", "calculationFrequency": "P1D", "applicationType": "MATURITY", "applicationFrequency": "P120D", "tiers": [ { "name": "Balance", "unitOfMeasure": "DOLLAR", "minimumValue": "100000.00", "maximumValue": "499999.99", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P4M", "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt" }, { "depositRateType": "FIXED", "rate": "0.04", "calculationFrequency": "P1D", "applicationType": "MATURITY", "applicationFrequency": "P150D", "tiers": [ { "name": "Balance", "unitOfMeasure": "DOLLAR", "minimumValue": "100000.00", "maximumValue": "499999.99", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P5M", "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt" }, { "depositRateType": "FIXED", "rate": "0.0485", "calculationFrequency": "P1D", "applicationType": "MATURITY", "applicationFrequency": "P180D", "tiers": [ { "name": "Balance", "unitOfMeasure": "DOLLAR", "minimumValue": "100000.00", "maximumValue": "499999.99", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P6M", "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt" }, { "depositRateType": "FIXED", "rate": "0.05", "calculationFrequency": "P1D", "applicationType": "MATURITY", "applicationFrequency": "P270D", "tiers": [ { "name": "Balance", "unitOfMeasure": "DOLLAR", "minimumValue": "100000.00", "maximumValue": "499999.99", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P9M", "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt" }, { "depositRateType": "FIXED", "rate": "0.02", "calculationFrequency": "P1D", "applicationType": "MATURITY", "applicationFrequency": "P30D", "tiers": [ { "name": "Balance", "unitOfMeasure": "DOLLAR", "minimumValue": "500000.00", "maximumValue": "800000.00", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P1M", "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt" }, { "depositRateType": "FIXED", "rate": "0.02", "calculationFrequency": "P1D", "applicationType": "MATURITY", "applicationFrequency": "P60D", "tiers": [ { "name": "Balance", "unitOfMeasure": "DOLLAR", "minimumValue": "500000.00", "maximumValue": "800000.00", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P2M", "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt" }, { "depositRateType": "FIXED", "rate": "0.0425", "calculationFrequency": "P1D", "applicationType": "MATURITY", "applicationFrequency": "P90D", "tiers": [ { "name": "Balance", "unitOfMeasure": "DOLLAR", "minimumValue": "500000.00", "maximumValue": "800000.00", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P3M", "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt" }, { "depositRateType": "FIXED", "rate": "0.04", "calculationFrequency": "P1D", "applicationType": "MATURITY", "applicationFrequency": "P120D", "tiers": [ { "name": "Balance", "unitOfMeasure": "DOLLAR", "minimumValue": "500000.00", "maximumValue": "800000.00", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P4M", "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt" }, { "depositRateType": "FIXED", "rate": "0.04", "calculationFrequency": "P1D", "applicationType": "MATURITY", "applicationFrequency": "P150D", "tiers": [ { "name": "Balance", "unitOfMeasure": "DOLLAR", "minimumValue": "500000.00", "maximumValue": "800000.00", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P5M", "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt" }, { "depositRateType": "FIXED", "rate": "0.0485", "calculationFrequency": "P1D", "applicationType": "MATURITY", "applicationFrequency": "P180D", "tiers": [ { "name": "Balance", "unitOfMeasure": "DOLLAR", "minimumValue": "500000.00", "maximumValue": "800000.00", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P6M", "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt" }, { "depositRateType": "FIXED", "rate": "0.05", "calculationFrequency": "P1D", "applicationType": "MATURITY", "applicationFrequency": "P270D", "tiers": [ { "name": "Balance", "unitOfMeasure": "DOLLAR", "minimumValue": "500000.00", "maximumValue": "800000.00", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P9M", "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt" }, { "depositRateType": "FIXED", "rate": "0.05", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P3M", "tiers": [ { "name": "Balance", "unitOfMeasure": "DOLLAR", "minimumValue": "1000.00", "maximumValue": "99999.99", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P1Y", "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt" }, { "depositRateType": "FIXED", "rate": "0.0505", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P6M", "tiers": [ { "name": "Balance", "unitOfMeasure": "DOLLAR", "minimumValue": "1000.00", "maximumValue": "99999.99", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P1Y", "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt" }, { "depositRateType": "FIXED", "rate": "0.051", "calculationFrequency": "P1D", "applicationType": "MATURITY", "applicationFrequency": "P1Y", "tiers": [ { "name": "Balance", "unitOfMeasure": "DOLLAR", "minimumValue": "1000.00", "maximumValue": "99999.99", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P1Y", "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt" }, { "depositRateType": "FIXED", "rate": "0.048", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P3M", "tiers": [ { "name": "Balance", "unitOfMeasure": "DOLLAR", "minimumValue": "1000.00", "maximumValue": "99999.99", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P2Y", "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt" }, { "depositRateType": "FIXED", "rate": "0.0485", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P6M", "tiers": [ { "name": "Balance", "unitOfMeasure": "DOLLAR", "minimumValue": "1000.00", "maximumValue": "99999.99", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P2Y", "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt" }, { "depositRateType": "FIXED", "rate": "0.049", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1Y", "tiers": [ { "name": "Balance", "unitOfMeasure": "DOLLAR", "minimumValue": "1000.00", "maximumValue": "99999.99", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P2Y", "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt" }, { "depositRateType": "FIXED", "rate": "0.05", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P3M", "tiers": [ { "name": "Balance", "unitOfMeasure": "DOLLAR", "minimumValue": "100000.00", "maximumValue": "499999.99", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P1Y", "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt" }, { "depositRateType": "FIXED", "rate": "0.0505", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P6M", "tiers": [ { "name": "Balance", "unitOfMeasure": "DOLLAR", "minimumValue": "100000.00", "maximumValue": "499999.99", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P1Y", "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt" }, { "depositRateType": "FIXED", "rate": "0.051", "calculationFrequency": "P1D", "applicationType": "MATURITY", "applicationFrequency": "P1Y", "tiers": [ { "name": "Balance", "unitOfMeasure": "DOLLAR", "minimumValue": "100000.00", "maximumValue": "499999.99", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P1Y", "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt" }, { "depositRateType": "FIXED", "rate": "0.048", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P3M", "tiers": [ { "name": "Balance", "unitOfMeasure": "DOLLAR", "minimumValue": "100000.00", "maximumValue": "499999.99", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P2Y", "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt" }, { "depositRateType": "FIXED", "rate": "0.0485", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P6M", "tiers": [ { "name": "Balance", "unitOfMeasure": "DOLLAR", "minimumValue": "100000.00", "maximumValue": "499999.99", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P2Y", "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt" }, { "depositRateType": "FIXED", "rate": "0.049", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1Y", "tiers": [ { "name": "Balance", "unitOfMeasure": "DOLLAR", "minimumValue": "100000.00", "maximumValue": "499999.99", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P2Y", "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt" }, { "depositRateType": "FIXED", "rate": "0.05", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P3M", "tiers": [ { "name": "Balance", "unitOfMeasure": "DOLLAR", "minimumValue": "500000.00", "maximumValue": "800000.00", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P1Y", "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt" }, { "depositRateType": "FIXED", "rate": "0.0505", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P6M", "tiers": [ { "name": "Balance", "unitOfMeasure": "DOLLAR", "minimumValue": "500000.00", "maximumValue": "800000.00", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P1Y", "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt" }, { "depositRateType": "FIXED", "rate": "0.051", "calculationFrequency": "P1D", "applicationType": "MATURITY", "applicationFrequency": "P1Y", "tiers": [ { "name": "Balance", "unitOfMeasure": "DOLLAR", "minimumValue": "500000.00", "maximumValue": "800000.00", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P1Y", "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt" }, { "depositRateType": "FIXED", "rate": "0.048", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P3M", "tiers": [ { "name": "Balance", "unitOfMeasure": "DOLLAR", "minimumValue": "500000.00", "maximumValue": "800000.00", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P2Y", "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt" }, { "depositRateType": "FIXED", "rate": "0.0485", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P6M", "tiers": [ { "name": "Balance", "unitOfMeasure": "DOLLAR", "minimumValue": "500000.00", "maximumValue": "800000.00", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P2Y", "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt" }, { "depositRateType": "FIXED", "rate": "0.049", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1Y", "tiers": [ { "name": "Balance", "unitOfMeasure": "DOLLAR", "minimumValue": "500000.00", "maximumValue": "800000.00", "rateApplicationMethod": "WHOLE_BALANCE" } ], "additionalValue": "P2Y", "additionalInfoUri": "https://www.rabobank.com.au/product-rates#farm_mgt" } ] } }