{
 "snapshot_at": "2026-10-02T09:51:08Z",
 "brand": "TMCU",
 "brand_slug": "tmcu",
 "product_id": "6M_TO_LESS_THAN_12M",
 "cdr_url": "https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/6M_TO_LESS_THAN_12M",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://banking.transportmutual.com.au/OpenBanking/cds-au/v1/banking/products/6M_TO_LESS_THAN_12M'",
 "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": "1000.00"
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "NATURAL_PERSON"
   }
  ],
  "fees": [
   {
    "name": "TERM_DEPOSIT_EARLY_REDEMPTION_FEE",
    "feeType": "CASH_ADVANCE",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "0.00"
    },
    "currency": "AUD",
    "additionalInfoUri": "https://www.transportmutual.com.au/media/2907/account-access-facility-conditions-of-use.pdf"
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.0355",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "6M TO LESS THAN 12M_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "1000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "6M TO LESS THAN 12M_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "6",
      "maximumValue": "11",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P11M"
   }
  ],
  "productCategory": "TERM_DEPOSITS",
  "productId": "6M_TO_LESS_THAN_12M",
  "lastUpdated": "2026-08-04T09:47:40.000+10:00",
  "name": "6M TO LESS THAN 12M",
  "description": "6M TO LESS THAN 12M",
  "brand": "TRANSPORT MUTUAL CREDIT UNION LTD",
  "brandName": "TRANSPORT MUTUAL CREDIT UNION LTD",
  "applicationUri": "https://www.transportmutual.com.au/banking/term-deposits/term-deposits/",
  "isTailored": false,
  "additionalInformation": {
   "overviewUri": "https://www.transportmutual.com.au/banking/term-deposits/term-deposits/",
   "termsUri": "https://www.transportmutual.com.au/media/2907/account-access-facility-conditions-of-use-2025.pdf",
   "eligibilityUri": "https://www.transportmutual.com.au/banking/term-deposits/term-deposits/",
   "feesAndPricingUri": "https://www.transportmutual.com.au/support/rates-fees/fees-and-charges/"
  }
 }
}