{
 "snapshot_at": "2026-10-02T09:51:03Z",
 "brand": "Suncorp Bank",
 "brand_slug": "suncorp-bank",
 "product_id": "FMDATD",
 "cdr_url": "https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/FMDATD",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://id-ob.suncorpbank.com.au/cds-au/v1/banking/products/FMDATD'",
 "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": "FMDATD",
  "effectiveFrom": "2021-06-24T14:00:00.000Z",
  "effectiveTo": "2999-12-30T13:00:00.000Z",
  "lastUpdated": "2026-05-27T14:00:00.000Z",
  "productCategory": "TERM_DEPOSITS",
  "name": "Farm Management Term Deposit",
  "description": "A Farm Management Deposit Account (FMDA) Term Deposit is for primary producers who can take advantage of the tax benefits available under the Farm Management Deposits (FMD) scheme. The FMDA Term Deposit allows you to lock away an amount of money at a fixed interest rate for a nominated time period.  During the fixed term, no deposits or withdrawals are permitted.",
  "brand": "Suncorp Bank",
  "brandName": "Suncorp Bank",
  "applicationUri": "https://www.suncorpbank.com.au/business-banking/bank-accounts/farm-management.html",
  "isTailored": false,
  "additionalInformation": {
   "overviewUri": "https://www.suncorpbank.com.au/business-banking/bank-accounts/farm-management.html",
   "termsUri": "https://www.suncorpbank.com.au/content/dam/suncorp/bank/documents/product-information/farm-management-deposit-account-pid.pdf",
   "eligibilityUri": "https://www.suncorpbank.com.au/content/dam/suncorp/bank/documents/product-information/farm-management-deposit-account-pid.pdf",
   "additionalOverviewUris": [],
   "additionalTermsUris": [],
   "additionalEligibilityUris": [],
   "additionalFeesAndPricingUris": [],
   "additionalBundleUris": []
  },
  "features": [
   {
    "featureType": "OTHER",
    "additionalInfo": "Pay $0 account keeping fees"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Monthly interest payments are available on terms 2, 3, 6, 9, 12 and 24 months at 0.30% p.a. below carded rates for interest at maturity (terms 2, 3, 6, 9, 12 and 24 months)."
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Quarterly interest payments are available on terms 6, 9, 12 and 24 months at 0.25% p.a. below carded rates for interest at maturity (terms 6, 9, 12 and 24 months)."
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Semi-annual interest payments are available on terms 12 and 24 months at 0.15% p.a. below carded rates for interest at maturity (terms 12 and 24 months)."
   }
  ],
  "constraints": [
   {
    "constraintType": "MIN_BALANCE",
    "additionalValue": "1000.00",
    "additionalInfo": "Minimum Balance of $1,000"
   },
   {
    "constraintType": "MAX_BALANCE",
    "additionalValue": "800000.00",
    "additionalInfo": "Maximum Balance of $800,000"
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "BUSINESS",
    "additionalInfo": "Must be a primary producer",
    "additionalInfoUri": "https://www.suncorpbank.com.au/business-banking/bank-accounts/farm-management.html"
   },
   {
    "eligibilityType": "BUSINESS",
    "additionalInfo": "Deposit must remain in the account for a minimum of 12 months to take advantage of tax benefits",
    "additionalInfoUri": "https://www.suncorpbank.com.au/business-banking/bank-accounts/farm-management.html"
   },
   {
    "eligibilityType": "BUSINESS",
    "additionalInfo": "Deposit between $1000 and $800,000 for the relevant financial year",
    "additionalInfoUri": "https://www.suncorpbank.com.au/business-banking/bank-accounts/farm-management.html"
   },
   {
    "eligibilityType": "BUSINESS",
    "additionalInfo": "Account can only be opened in an individuals name only",
    "additionalInfoUri": "https://www.suncorpbank.com.au/business-banking/bank-accounts/farm-management.html"
   },
   {
    "eligibilityType": "BUSINESS",
    "additionalInfo": "Account holder has a taxable non-primary income of $100,000 or less",
    "additionalInfoUri": "https://www.suncorpbank.com.au/business-banking/bank-accounts/farm-management.html"
   }
  ],
  "fees": [
   {
    "name": "Interest Certificate",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "10.00"
    },
    "currency": "AUD",
    "additionalInfo": "previous financial year - per certificate issued"
   },
   {
    "name": "Record Search/Copy Fee",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "70.00"
    },
    "currency": "AUD",
    "additionalInfo": "per hour"
   },
   {
    "name": "Request for Audit Certificate",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "30.00"
    },
    "currency": "AUD",
    "additionalInfo": "per certificate"
   },
   {
    "name": "Standard fees",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "0.00"
    },
    "currency": "AUD",
    "additionalInfo": "There are no fees associated with this account",
    "additionalInfoUri": "https://www.suncorpbank.com.au/business-banking/bank-accounts/farm-management.html"
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.052",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1Y",
    "tiers": [
     {
      "name": "$50,000 to $99,999",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "50000.0",
      "maximumValue": "99999.0",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P24M",
    "additionalInfo": "24 Month TD Interest Annually"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.052",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1Y",
    "tiers": [
     {
      "name": "$1,000 to $49,999",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.0",
      "maximumValue": "49999.0",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P24M",
    "additionalInfo": "24 Month TD Interest Annually"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.052",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1Y",
    "tiers": [
     {
      "name": "$100,000 to $800,000",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "100000.0",
      "maximumValue": "800000.0",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P24M",
    "additionalInfo": "24 Month TD Interest Annually"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0525",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P12M",
    "tiers": [
     {
      "name": "$50,000 to $99,999",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "50000.0",
      "maximumValue": "99999.0",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P12M",
    "additionalInfo": "12 Month TD Interest at Maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0525",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P12M",
    "tiers": [
     {
      "name": "$1,000 to $49,999",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.0",
      "maximumValue": "49999.0",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P12M",
    "additionalInfo": "12 Month TD Interest at Maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0525",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P12M",
    "tiers": [
     {
      "name": "$100,000 to $800,000",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "100000.0",
      "maximumValue": "800000.0",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P12M",
    "additionalInfo": "12 Month TD Interest at Maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.05",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P9M",
    "tiers": [
     {
      "name": "$50,000 to $99,999",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "50000.0",
      "maximumValue": "99999.0",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P9M",
    "additionalInfo": "09 Month TD Interest at Maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.05",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P9M",
    "tiers": [
     {
      "name": "$1,000 to $49,999",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.0",
      "maximumValue": "49999.0",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P9M",
    "additionalInfo": "09 Month TD Interest at Maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.05",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P9M",
    "tiers": [
     {
      "name": "$100,000 to $800,000",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "100000.0",
      "maximumValue": "800000.0",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P9M",
    "additionalInfo": "09 Month TD Interest at Maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0485",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P6M",
    "tiers": [
     {
      "name": "$50,000 to $99,999",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "50000.0",
      "maximumValue": "99999.0",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P6M",
    "additionalInfo": "06 Month TD Interest at Maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0485",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P6M",
    "tiers": [
     {
      "name": "$1,000 to $49,999",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.0",
      "maximumValue": "49999.0",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P6M",
    "additionalInfo": "06 Month TD Interest at Maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0485",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P6M",
    "tiers": [
     {
      "name": "$100,000 to $800,000",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "100000.0",
      "maximumValue": "800000.0",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P6M",
    "additionalInfo": "06 Month TD Interest at Maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0425",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P3M",
    "tiers": [
     {
      "name": "$50,000 to $99,999",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "50000.0",
      "maximumValue": "99999.0",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P3M",
    "additionalInfo": "03 Month TD Interest at Maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0425",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P3M",
    "tiers": [
     {
      "name": "$1,000 to $49,999",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.0",
      "maximumValue": "49999.0",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P3M",
    "additionalInfo": "03 Month TD Interest at Maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0425",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P3M",
    "tiers": [
     {
      "name": "$100,000 to $800,000",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "100000.0",
      "maximumValue": "800000.0",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P3M",
    "additionalInfo": "03 Month TD Interest at Maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.02",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P2M",
    "tiers": [
     {
      "name": "$100,000 to $800,000",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "100000.0",
      "maximumValue": "800000.0",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P2M",
    "additionalInfo": "02 Month TD Interest at Maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.02",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P2M",
    "tiers": [
     {
      "name": "$50,000 to $99,999",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "50000.0",
      "maximumValue": "99999.0",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P2M",
    "additionalInfo": "02 Month TD Interest at Maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.02",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P2M",
    "tiers": [
     {
      "name": "$1,000 to $49,999",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.0",
      "maximumValue": "49999.0",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P2M",
    "additionalInfo": "02 Month TD Interest at Maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0185",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "$100,000 to $800,000",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "100000.0",
      "maximumValue": "800000.0",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P1M",
    "additionalInfo": "01 Month TD Interest at Maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0185",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "$50,000 to $99,999",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "50000.0",
      "maximumValue": "99999.0",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P1M",
    "additionalInfo": "01 Month TD Interest at Maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0185",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "$1,000 to $49,999",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.0",
      "maximumValue": "49999.0",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P1M",
    "additionalInfo": "01 Month TD Interest at Maturity"
   }
  ]
 }
}