{
 "snapshot_at": "2026-10-02T09:51:05Z",
 "brand": "The Mac",
 "brand_slug": "the-mac",
 "product_id": "I4_TERMDEPOSIT",
 "cdr_url": "https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/I4_TERMDEPOSIT",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://onlinebanking.themaccu.com.au/OpenBanking/cds-au/v1/banking/products/I4_TERMDEPOSIT'",
 "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": {
  "constraints": [
   {
    "constraintType": "MIN_BALANCE",
    "additionalValue": "2000.00"
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.035",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "TERM SAVINGS I4_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "maximumValue": "1000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "TERM SAVINGS I4_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "3",
      "maximumValue": "3",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P3M"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "TERM SAVINGS I4_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "100000.00",
      "maximumValue": "1000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "TERM SAVINGS I4_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "4",
      "maximumValue": "4",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P4M"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "TERM SAVINGS I4_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "100000.00",
      "maximumValue": "1000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "TERM SAVINGS I4_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "5",
      "maximumValue": "5",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P5M"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.048",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "TERM SAVINGS I4_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "maximumValue": "1000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "TERM SAVINGS I4_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "6",
      "maximumValue": "6",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P6M"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "TERM SAVINGS I4_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "100000.00",
      "maximumValue": "1000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "TERM SAVINGS I4_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "8",
      "maximumValue": "8",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P8M"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.048",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "TERM SAVINGS I4_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "maximumValue": "1000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "TERM SAVINGS I4_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "9",
      "maximumValue": "9",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P9M"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "TERM SAVINGS I4_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "100000.00",
      "maximumValue": "1000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "TERM SAVINGS I4_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "11",
      "maximumValue": "11",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P11M"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.007",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "TERM SAVINGS I4_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "2000.00",
      "maximumValue": "4999.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "TERM SAVINGS I4_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "maximumValue": "12",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P12M"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.05",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "TERM SAVINGS I4_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "maximumValue": "1000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "TERM SAVINGS I4_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "maximumValue": "12",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P12M"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P12M",
    "tiers": [
     {
      "name": "TERM SAVINGS I4_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "100000.00",
      "maximumValue": "1000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "TERM SAVINGS I4_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "13",
      "maximumValue": "13",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P13M"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.037",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P12M",
    "tiers": [
     {
      "name": "TERM SAVINGS I4_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "maximumValue": "1000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "TERM SAVINGS I4_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "24",
      "maximumValue": "24",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P24M"
   }
  ],
  "productCategory": "TERM_DEPOSITS",
  "productId": "I4_TERMDEPOSIT",
  "lastUpdated": "2026-08-24T08:38:40.000+10:00",
  "name": "TERM SAVINGS I4",
  "description": "TERM SAVINGS I4",
  "brand": "MACARTHUR CREDIT UNION LTD",
  "brandName": "MACARTHUR CREDIT UNION LTD",
  "isTailored": false,
  "additionalInformation": {
   "overviewUri": "https://themaccu.com.au/solutions/everyday-banking-investments/all-everyday-banking-investments/",
   "termsUri": "https://themaccu.com.au/support/the-fine-print/",
   "eligibilityUri": "https://themaccu.com.au/support/the-fine-print/",
   "feesAndPricingUri": "https://themaccu.com.au/support/rates-fees/"
  }
 }
}