{
 "snapshot_at": "2026-10-02T09:50:57Z",
 "brand": "Regional Australia Bank",
 "brand_slug": "regional-australia-bank",
 "product_id": "dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
 "cdr_url": "https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://public-data.cdr.regaustbank.io/cds-au/v1/banking/products/dea3dd4f-eeb8-4b11-9ee1-9c842d389890'",
 "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": "Regional Australia Bank",
  "description": "Invest your money securely with competitive fixed interest rates.",
  "isTailored": true,
  "lastUpdated": "2026-09-03T00:53:32.793654Z",
  "name": "Term Savings",
  "productCategory": "TERM_DEPOSITS",
  "productId": "dea3dd4f-eeb8-4b11-9ee1-9c842d389890",
  "additionalInformation": {
   "overviewUri": "https://www.regionalaustraliabank.com.au/personal/products/savings-accounts/term-savings",
   "termsUri": "https://www.regionalaustraliabank.com.au/about-us/corporate-documents/product-terms-and-conditions",
   "eligibilityUri": "https://www.regionalaustraliabank.com.au/personal/products/savings-accounts/term-savings",
   "feesAndPricingUri": "https://www.regionalaustraliabank.com.au/personal/products/savings-accounts/term-savings",
   "bundleUri": null,
   "additionalOverviewUris": null,
   "additionalTermsUris": null,
   "additionalEligibilityUris": null,
   "additionalFeesAndPricingUris": null,
   "additionalBundleUris": null
  },
  "applicationUri": "https://www.regionalaustraliabank.com.au/personal/support/savings-accounts-enquiry",
  "brandName": "Regional Australia Bank",
  "brandGroup": null,
  "cardArt": [],
  "effectiveFrom": null,
  "effectiveTo": null,
  "bundles": [],
  "constraints": [
   {
    "constraintType": "MAX_BALANCE",
    "additionalInfo": "For deposits over $500,000 rates are by negotiation.",
    "additionalInfoUri": null,
    "additionalValue": "500000.00"
   },
   {
    "constraintType": "OPENING_BALANCE",
    "additionalInfo": "A minimum $1,000 investment applies to this product.",
    "additionalInfoUri": null,
    "additionalValue": "1000.00"
   },
   {
    "constraintType": "MIN_BALANCE",
    "additionalInfo": "A minimum $1,000 investment applies to this product.",
    "additionalInfoUri": null,
    "additionalValue": "1000.00"
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.036",
    "additionalInfo": "Interest rate is per annum. For deposits over $500,000 rates are by negotiation.",
    "additionalInfoUri": "https://www.regionalaustraliabank.com.au/everyday-banking/savings-accounts/term-savings",
    "additionalValue": "P4Y",
    "applicationFrequency": "P4Y",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": "1000.00",
      "name": "Balances between $1,000 and $500,000",
      "unitOfMeasure": "DOLLAR",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": [],
      "maximumValue": "500000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "MATURITY",
    "applicabilityConditions": []
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0135",
    "additionalInfo": "Interest rate is per annum. For deposits over $500,000 rates are by negotiation.",
    "additionalInfoUri": "https://www.regionalaustraliabank.com.au/everyday-banking/savings-accounts/term-savings",
    "additionalValue": "P2M",
    "applicationFrequency": "P2M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": "1000.00",
      "name": "Balances between $1,000 and $500,000",
      "unitOfMeasure": "DOLLAR",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": [],
      "maximumValue": "500000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "MATURITY",
    "applicabilityConditions": []
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.047",
    "additionalInfo": "Interest rate is per annum. For deposits over $500,000 rates are by negotiation.",
    "additionalInfoUri": "https://www.regionalaustraliabank.com.au/everyday-banking/savings-accounts/term-savings",
    "additionalValue": "P5M",
    "applicationFrequency": "P5M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": "1000.00",
      "name": "Balances between $1,000 and $500,000",
      "unitOfMeasure": "DOLLAR",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": [],
      "maximumValue": "500000.00",
      "rateApplicationMethod": null
     }
    ],
    "applicationType": "MATURITY",
    "applicabilityConditions": []
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.05",
    "additionalInfo": "Interest rate is per annum. For deposits over $500,000 rates are by negotiation.",
    "additionalInfoUri": "https://www.regionalaustraliabank.com.au/everyday-banking/savings-accounts/term-savings",
    "additionalValue": "P8M",
    "applicationFrequency": "P8M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": "1000.00",
      "name": "Balances between $1,000 and $500,000",
      "unitOfMeasure": "DOLLAR",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": [],
      "maximumValue": "500000.00",
      "rateApplicationMethod": null
     }
    ],
    "applicationType": "MATURITY",
    "applicabilityConditions": []
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.049",
    "additionalInfo": "Interest rate is per annum. For deposits over $500,000 rates are by negotiation.",
    "additionalInfoUri": "https://www.regionalaustraliabank.com.au/everyday-banking/savings-accounts/term-savings",
    "additionalValue": "P6M",
    "applicationFrequency": "P6M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": "1000.00",
      "name": "Balances between $1,000 and $500,000",
      "unitOfMeasure": "DOLLAR",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": [],
      "maximumValue": "500000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "MATURITY",
    "applicabilityConditions": []
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.05",
    "additionalInfo": "Interest rate is per annum. For deposits over $500,000 rates are by negotiation.",
    "additionalInfoUri": "https://www.regionalaustraliabank.com.au/everyday-banking/savings-accounts/term-savings",
    "additionalValue": "P7M",
    "applicationFrequency": "P7M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": "1000.00",
      "name": "Balances between $1,000 and $500,000",
      "unitOfMeasure": "DOLLAR",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": [],
      "maximumValue": "500000.00",
      "rateApplicationMethod": null
     }
    ],
    "applicationType": "MATURITY",
    "applicabilityConditions": []
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0525",
    "additionalInfo": "Interest rate is per annum. For deposits over $500,000 rates are by negotiation.",
    "additionalInfoUri": "https://www.regionalaustraliabank.com.au/everyday-banking/savings-accounts/term-savings",
    "additionalValue": "P1Y",
    "applicationFrequency": "P1Y",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": "1000.00",
      "name": "Balances between $1,000 and $500,000",
      "unitOfMeasure": "DOLLAR",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": [],
      "maximumValue": "500000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "MATURITY",
    "applicabilityConditions": []
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0365",
    "additionalInfo": "Interest rate is per annum. For deposits over $500,000 rates are by negotiation.",
    "additionalInfoUri": "https://www.regionalaustraliabank.com.au/everyday-banking/savings-accounts/term-savings",
    "additionalValue": "P5Y",
    "applicationFrequency": "P5Y",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": "1000.00",
      "name": "Balances between $1,000 and $500,000",
      "unitOfMeasure": "DOLLAR",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": [],
      "maximumValue": "500000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "MATURITY",
    "applicabilityConditions": []
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.042",
    "additionalInfo": "Interest rate is per annum. For deposits over $500,000 rates are by negotiation.",
    "additionalInfoUri": "https://www.regionalaustraliabank.com.au/everyday-banking/savings-accounts/term-savings",
    "additionalValue": "P3Y",
    "applicationFrequency": "P3Y",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": "1000.00",
      "name": "Balances between $1,000 and $500,000",
      "unitOfMeasure": "DOLLAR",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": [],
      "maximumValue": "500000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "MATURITY",
    "applicabilityConditions": []
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0465",
    "additionalInfo": "Interest rate is per annum. For deposits over $500,000 rates are by negotiation.",
    "additionalInfoUri": "https://www.regionalaustraliabank.com.au/everyday-banking/savings-accounts/term-savings",
    "additionalValue": "P4M",
    "applicationFrequency": "P4M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": "1000.00",
      "name": "Balances between $1,000 and $500,000",
      "unitOfMeasure": "DOLLAR",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": [],
      "maximumValue": "500000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "MATURITY",
    "applicabilityConditions": []
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.035",
    "additionalInfo": "Interest rate is per annum. For deposits over $500,000 rates are by negotiation.",
    "additionalInfoUri": "https://www.regionalaustraliabank.com.au/everyday-banking/savings-accounts/term-savings",
    "additionalValue": "P3M",
    "applicationFrequency": "P3M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": "1000.00",
      "name": "Balances between $1,000 and $500,000",
      "unitOfMeasure": "DOLLAR",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": [],
      "maximumValue": "500000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "MATURITY",
    "applicabilityConditions": []
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.011",
    "additionalInfo": "Interest rate is per annum. For deposits over $500,000 rates are by negotiation.",
    "additionalInfoUri": "https://www.regionalaustraliabank.com.au/everyday-banking/savings-accounts/term-savings",
    "additionalValue": "P1M",
    "applicationFrequency": "P1M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": "1000.00",
      "name": "Balances between $1,000 and $500,000",
      "unitOfMeasure": "DOLLAR",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": [],
      "maximumValue": "500000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "MATURITY",
    "applicabilityConditions": []
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.05",
    "additionalInfo": "Interest rate is per annum. For deposits over $500,000 rates are by negotiation.",
    "additionalInfoUri": "https://www.regionalaustraliabank.com.au/everyday-banking/savings-accounts/term-savings",
    "additionalValue": "P18M",
    "applicationFrequency": "P18M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": "1000.00",
      "name": "Balances between $1,000 and $500,000",
      "unitOfMeasure": "DOLLAR",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": [],
      "maximumValue": "500000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "MATURITY",
    "applicabilityConditions": []
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.051",
    "additionalInfo": "Interest rate is per annum. For deposits over $500,000 rates are by negotiation.",
    "additionalInfoUri": "https://www.regionalaustraliabank.com.au/everyday-banking/savings-accounts/term-savings",
    "additionalValue": "P9M",
    "applicationFrequency": "P9M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": "1000.00",
      "name": "Balances between $1,000 and $500,000",
      "unitOfMeasure": "DOLLAR",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": [],
      "maximumValue": "500000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "MATURITY",
    "applicabilityConditions": []
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.047",
    "additionalInfo": "Interest rate is per annum. For deposits over $500,000 rates are by negotiation.",
    "additionalInfoUri": "https://www.regionalaustraliabank.com.au/everyday-banking/savings-accounts/term-savings",
    "additionalValue": "P2Y",
    "applicationFrequency": "P2Y",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": "1000.00",
      "name": "Balances between $1,000 and $500,000",
      "unitOfMeasure": "DOLLAR",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": [],
      "maximumValue": "500000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "MATURITY",
    "applicabilityConditions": []
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "RESIDENCY_STATUS",
    "additionalInfo": "Individuals must be citizens or permanent residents of Australia.",
    "additionalInfoUri": null,
    "additionalValue": "Australian Residents"
   }
  ],
  "features": [
   {
    "featureType": "OTHER",
    "additionalInfo": "A guaranteed rate for terms from 1 to 60 months",
    "additionalInfoUri": null,
    "additionalValue": null,
    "isActivated": "UNKNOWN"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Interest can be paid fortnightly, monthly, 12 monthly or at maturity.",
    "additionalInfoUri": null,
    "additionalValue": null,
    "isActivated": "UNKNOWN"
   },
   {
    "featureType": "DIGITAL_BANKING",
    "additionalInfo": "See account balances 24/7 wherever you are and whenever you want with RAB mobile and internet banking.",
    "additionalInfoUri": null,
    "additionalValue": null,
    "isActivated": "UNKNOWN"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Combined balances of up to $250,000 per account holder are guaranteed and secured by the Australian Government.",
    "additionalInfoUri": "https://www.regionalaustraliabank.com.au/about-us/corporate-documents/policies-and-guides/financial-claims-scheme",
    "additionalValue": null,
    "isActivated": "UNKNOWN"
   }
  ],
  "fees": [
   {
    "feeType": "EXIT",
    "name": "Early Redemption Break Cost",
    "additionalInfo": "When a Term Savings deposit is redeemed prior to the maturity date, the interest paid on your account will be reduced based on how much notice is provided and how far through the term. Details on how this is calculated are available on request. ",
    "additionalInfoUri": null,
    "additionalValue": null,
    "currency": "AUD",
    "discounts": [],
    "feeMethodUType": "variable",
    "fixedAmount": null,
    "rateBased": null,
    "variable": {
     "feeMinimum": "0.01",
     "feeMaximum": null
    },
    "feeCap": null,
    "feeCapPeriod": null
   },
   {
    "feeType": "EXIT",
    "name": "Early Redemption Adminstration Fee",
    "additionalInfo": "This fee may apply when you request to redeem your deposit prior to the maturity date. A reduced Interest Rate applies in addition to this fee. ",
    "additionalInfoUri": null,
    "additionalValue": null,
    "currency": "AUD",
    "discounts": [],
    "feeMethodUType": "variable",
    "fixedAmount": null,
    "rateBased": null,
    "variable": {
     "feeMinimum": "1.00",
     "feeMaximum": null
    },
    "feeCap": null,
    "feeCapPeriod": null
   },
   {
    "feeType": "PERIODIC",
    "name": "Access Fee",
    "additionalInfo": "The Access Fee is a flat monthly fee which entitles your membership to unlimited withdrawals via EFTPOS, ATMs, Internet, Phone and Mobile Banking.",
    "additionalInfoUri": null,
    "additionalValue": "P1M",
    "currency": "AUD",
    "discounts": [],
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "0.00"
    },
    "rateBased": null,
    "variable": null,
    "feeCap": null,
    "feeCapPeriod": null
   },
   {
    "feeType": "EVENT",
    "name": "Bank Cheque Fee ",
    "additionalInfo": "Applies for each bank cheque you order from us.",
    "additionalInfoUri": null,
    "additionalValue": null,
    "currency": "AUD",
    "discounts": [],
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "11.00"
    },
    "rateBased": null,
    "variable": null,
    "feeCap": null,
    "feeCapPeriod": null
   }
  ],
  "lendingRates": [],
  "instalments": null
 }
}