{
 "snapshot_at": "2026-10-02T09:51:08Z",
 "brand": "Traditional Credit Union",
 "brand_slug": "traditional-credit-union",
 "product_id": "TCU0030",
 "cdr_url": "https://prd.tcu.com.au/cds-au/v1/banking/products/TCU0030",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://prd.tcu.com.au/cds-au/v1/banking/products/TCU0030'",
 "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": "TCU0030",
  "effectiveFrom": "2020-10-01T00:00:00.000+10:00",
  "effectiveTo": "2027-10-31T00:00:00.000+11:00",
  "lastUpdated": "2025-10-31T00:00:00.000+11:00",
  "productCategory": "TERM_DEPOSITS",
  "name": "Term Deposit",
  "description": "Fixed Term Investment",
  "brand": "TCU",
  "isTailored": false,
  "additionalInformation": {
   "overviewUri": "https://tcu.com.au/personal-banking-2/",
   "termsUri": "https://tcu.com.au/wp-content/uploads/2025/10/Account-Access-Facility-Conditions-of-Use-PB-Accounts-v23-011125.pdf",
   "feesAndPricingUri": "https://tcu.com.au/wp-content/uploads/2025/10/Savings-and-Investment-accounts-IFC-v26-011125.pdf",
   "additionalOverviewUris": [],
   "additionalTermsUris": [],
   "additionalEligibilityUris": [],
   "additionalFeesAndPricingUris": [],
   "additionalBundleUris": []
  },
  "cardArt": [],
  "bundles": [],
  "features": [],
  "constraints": [
   {
    "constraintType": "MIN_BALANCE",
    "additionalValue": "500.00"
   }
  ],
  "eligibility": [],
  "fees": [],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0",
    "tiers": [],
    "additionalInfo": "Early withdrawal of a Term Deposit may incur an interest rate penalty. Daily market interest rate."
   }
  ],
  "lendingRates": []
 }
}