{
 "brand": "RACQ Bank",
 "brand_label": "RACQ Bank",
 "brand_slug": "racq-bank",
 "legal_entity_abn": "83087651054",
 "logo_uri": "https://cdn.intelligencebank.com/au/share/0Mvj/Y0GpK/RqBJZ/original/RACQ-BANK-LOGO_HOR_RGB.png",
 "public_base_uri": "https://cdrbank.racq.com.au",
 "bank_last_updated": "2026-09-02T22:06:11Z",
 "status": "ok",
 "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated)",
 "licence_note": "Rates are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates change without notice; check the bank's page before acting. This is not financial advice.",
 "products": [
  {
   "product_id": "7",
   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
   "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
   "source_snapshot": "/v1/au/term-deposits/source/racq-bank/7.json",
   "snapshot_at": "2026-10-02T09:50:55Z",
   "description": "A Term Deposit is an investment account where the interest rate is guaranteed not to change for the whole of the nominated term. It gives you the security of knowing that your interest income is protected against changes in market conditions.",
   "min_balance": 1000.0,
   "max_balance": 1000000.0,
   "conditions": [],
   "bank_last_updated": "2026-09-02T22:06:11Z",
   "rate_count": 16,
   "addons": [],
   "no_rates_reason": null
  }
 ],
 "rows": [
  {
   "brand": "RACQ Bank",
   "brand_label": "RACQ Bank",
   "brand_slug": "racq-bank",
   "legal_entity_abn": "83087651054",
   "product_id": "7",
   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P1M",
   "term_months": 1,
   "term_min_months": 1,
   "term_max_months": 1,
   "term_days": null,
   "term_days_min": null,
   "term_days_max": null,
   "rate": 0.0055,
   "rate_pct": 0.55,
   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
   "tier_min": null,
   "tier_max": null,
   "min_balance": 1000.0,
   "max_balance": 1000000.0,
   "deposit_min": 1000.0,
   "deposit_max": 1000000.0,
   "is_special": false,
   "conditional": false,
   "conditions": [],
   "additional_info": "Interest is paid at maturity or annually if term exceeds 12 months. Rates for deposits over $1m are available on request.",
   "stacked_bonus": null,
   "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
   "source_snapshot": "/v1/au/term-deposits/source/racq-bank/7.json",
   "bank_last_updated": "2026-09-02T22:06:11Z"
  },
  {
   "brand": "RACQ Bank",
   "brand_label": "RACQ Bank",
   "brand_slug": "racq-bank",
   "legal_entity_abn": "83087651054",
   "product_id": "7",
   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P2M",
   "term_months": 2,
   "term_min_months": 2,
   "term_max_months": 2,
   "term_days": null,
   "term_days_min": null,
   "term_days_max": null,
   "rate": 0.016,
   "rate_pct": 1.6,
   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
   "tier_min": null,
   "tier_max": null,
   "min_balance": 1000.0,
   "max_balance": 1000000.0,
   "deposit_min": 1000.0,
   "deposit_max": 1000000.0,
   "is_special": false,
   "conditional": false,
   "conditions": [],
   "additional_info": "Interest is paid at maturity or annually if term exceeds 12 months. Rates for deposits over $1m are available on request.",
   "stacked_bonus": null,
   "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
   "source_snapshot": "/v1/au/term-deposits/source/racq-bank/7.json",
   "bank_last_updated": "2026-09-02T22:06:11Z"
  },
  {
   "brand": "RACQ Bank",
   "brand_label": "RACQ Bank",
   "brand_slug": "racq-bank",
   "legal_entity_abn": "83087651054",
   "product_id": "7",
   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P3M",
   "term_months": 3,
   "term_min_months": 3,
   "term_max_months": 3,
   "term_days": null,
   "term_days_min": null,
   "term_days_max": null,
   "rate": 0.0525,
   "rate_pct": 5.25,
   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
   "tier_min": null,
   "tier_max": null,
   "min_balance": 1000.0,
   "max_balance": 1000000.0,
   "deposit_min": 1000.0,
   "deposit_max": 1000000.0,
   "is_special": false,
   "conditional": false,
   "conditions": [],
   "additional_info": "Interest is paid at maturity or annually if term exceeds 12 months. Rates for deposits over $1m are available on request.",
   "stacked_bonus": null,
   "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
   "source_snapshot": "/v1/au/term-deposits/source/racq-bank/7.json",
   "bank_last_updated": "2026-09-02T22:06:11Z"
  },
  {
   "brand": "RACQ Bank",
   "brand_label": "RACQ Bank",
   "brand_slug": "racq-bank",
   "legal_entity_abn": "83087651054",
   "product_id": "7",
   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P4M",
   "term_months": 4,
   "term_min_months": 4,
   "term_max_months": 4,
   "term_days": null,
   "term_days_min": null,
   "term_days_max": null,
   "rate": 0.035,
   "rate_pct": 3.5,
   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
   "tier_min": null,
   "tier_max": null,
   "min_balance": 1000.0,
   "max_balance": 1000000.0,
   "deposit_min": 1000.0,
   "deposit_max": 1000000.0,
   "is_special": false,
   "conditional": false,
   "conditions": [],
   "additional_info": "Interest is paid at maturity or annually if term exceeds 12 months. Rates for deposits over $1m are available on request.",
   "stacked_bonus": null,
   "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
   "source_snapshot": "/v1/au/term-deposits/source/racq-bank/7.json",
   "bank_last_updated": "2026-09-02T22:06:11Z"
  },
  {
   "brand": "RACQ Bank",
   "brand_label": "RACQ Bank",
   "brand_slug": "racq-bank",
   "legal_entity_abn": "83087651054",
   "product_id": "7",
   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P5M",
   "term_months": 5,
   "term_min_months": 5,
   "term_max_months": 5,
   "term_days": null,
   "term_days_min": null,
   "term_days_max": null,
   "rate": 0.035,
   "rate_pct": 3.5,
   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
   "tier_min": null,
   "tier_max": null,
   "min_balance": 1000.0,
   "max_balance": 1000000.0,
   "deposit_min": 1000.0,
   "deposit_max": 1000000.0,
   "is_special": false,
   "conditional": false,
   "conditions": [],
   "additional_info": "Interest is paid at maturity or annually if term exceeds 12 months. Rates for deposits over $1m are available on request.",
   "stacked_bonus": null,
   "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
   "source_snapshot": "/v1/au/term-deposits/source/racq-bank/7.json",
   "bank_last_updated": "2026-09-02T22:06:11Z"
  },
  {
   "brand": "RACQ Bank",
   "brand_label": "RACQ Bank",
   "brand_slug": "racq-bank",
   "legal_entity_abn": "83087651054",
   "product_id": "7",
   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P6M",
   "term_months": 6,
   "term_min_months": 6,
   "term_max_months": 6,
   "term_days": null,
   "term_days_min": null,
   "term_days_max": null,
   "rate": 0.0545,
   "rate_pct": 5.45,
   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
   "tier_min": null,
   "tier_max": null,
   "min_balance": 1000.0,
   "max_balance": 1000000.0,
   "deposit_min": 1000.0,
   "deposit_max": 1000000.0,
   "is_special": false,
   "conditional": false,
   "conditions": [],
   "additional_info": "Interest is paid at maturity or annually if term exceeds 12 months. Rates for deposits over $1m are available on request.",
   "stacked_bonus": null,
   "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
   "source_snapshot": "/v1/au/term-deposits/source/racq-bank/7.json",
   "bank_last_updated": "2026-09-02T22:06:11Z"
  },
  {
   "brand": "RACQ Bank",
   "brand_label": "RACQ Bank",
   "brand_slug": "racq-bank",
   "legal_entity_abn": "83087651054",
   "product_id": "7",
   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P7M",
   "term_months": 7,
   "term_min_months": 7,
   "term_max_months": 7,
   "term_days": null,
   "term_days_min": null,
   "term_days_max": null,
   "rate": 0.035,
   "rate_pct": 3.5,
   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
   "tier_min": null,
   "tier_max": null,
   "min_balance": 1000.0,
   "max_balance": 1000000.0,
   "deposit_min": 1000.0,
   "deposit_max": 1000000.0,
   "is_special": false,
   "conditional": false,
   "conditions": [],
   "additional_info": "Interest is paid at maturity or annually if term exceeds 12 months. Rates for deposits over $1m are available on request.",
   "stacked_bonus": null,
   "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
   "source_snapshot": "/v1/au/term-deposits/source/racq-bank/7.json",
   "bank_last_updated": "2026-09-02T22:06:11Z"
  },
  {
   "brand": "RACQ Bank",
   "brand_label": "RACQ Bank",
   "brand_slug": "racq-bank",
   "legal_entity_abn": "83087651054",
   "product_id": "7",
   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P8M",
   "term_months": 8,
   "term_min_months": 8,
   "term_max_months": 8,
   "term_days": null,
   "term_days_min": null,
   "term_days_max": null,
   "rate": 0.035,
   "rate_pct": 3.5,
   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
   "tier_min": null,
   "tier_max": null,
   "min_balance": 1000.0,
   "max_balance": 1000000.0,
   "deposit_min": 1000.0,
   "deposit_max": 1000000.0,
   "is_special": false,
   "conditional": false,
   "conditions": [],
   "additional_info": "Interest is paid at maturity or annually if term exceeds 12 months. Rates for deposits over $1m are available on request.",
   "stacked_bonus": null,
   "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
   "source_snapshot": "/v1/au/term-deposits/source/racq-bank/7.json",
   "bank_last_updated": "2026-09-02T22:06:11Z"
  },
  {
   "brand": "RACQ Bank",
   "brand_label": "RACQ Bank",
   "brand_slug": "racq-bank",
   "legal_entity_abn": "83087651054",
   "product_id": "7",
   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P9M",
   "term_months": 9,
   "term_min_months": 9,
   "term_max_months": 9,
   "term_days": null,
   "term_days_min": null,
   "term_days_max": null,
   "rate": 0.0375,
   "rate_pct": 3.75,
   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
   "tier_min": null,
   "tier_max": null,
   "min_balance": 1000.0,
   "max_balance": 1000000.0,
   "deposit_min": 1000.0,
   "deposit_max": 1000000.0,
   "is_special": false,
   "conditional": false,
   "conditions": [],
   "additional_info": "Interest is paid at maturity or annually if term exceeds 12 months. Rates for deposits over $1m are available on request.",
   "stacked_bonus": null,
   "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
   "source_snapshot": "/v1/au/term-deposits/source/racq-bank/7.json",
   "bank_last_updated": "2026-09-02T22:06:11Z"
  },
  {
   "brand": "RACQ Bank",
   "brand_label": "RACQ Bank",
   "brand_slug": "racq-bank",
   "legal_entity_abn": "83087651054",
   "product_id": "7",
   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P10M",
   "term_months": 10,
   "term_min_months": 10,
   "term_max_months": 10,
   "term_days": null,
   "term_days_min": null,
   "term_days_max": null,
   "rate": 0.035,
   "rate_pct": 3.5,
   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
   "tier_min": null,
   "tier_max": null,
   "min_balance": 1000.0,
   "max_balance": 1000000.0,
   "deposit_min": 1000.0,
   "deposit_max": 1000000.0,
   "is_special": false,
   "conditional": false,
   "conditions": [],
   "additional_info": "Interest is paid at maturity or annually if term exceeds 12 months. Rates for deposits over $1m are available on request.",
   "stacked_bonus": null,
   "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
   "source_snapshot": "/v1/au/term-deposits/source/racq-bank/7.json",
   "bank_last_updated": "2026-09-02T22:06:11Z"
  },
  {
   "brand": "RACQ Bank",
   "brand_label": "RACQ Bank",
   "brand_slug": "racq-bank",
   "legal_entity_abn": "83087651054",
   "product_id": "7",
   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P11M",
   "term_months": 11,
   "term_min_months": 11,
   "term_max_months": 11,
   "term_days": null,
   "term_days_min": null,
   "term_days_max": null,
   "rate": 0.035,
   "rate_pct": 3.5,
   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
   "tier_min": null,
   "tier_max": null,
   "min_balance": 1000.0,
   "max_balance": 1000000.0,
   "deposit_min": 1000.0,
   "deposit_max": 1000000.0,
   "is_special": false,
   "conditional": false,
   "conditions": [],
   "additional_info": "Interest is paid at maturity or annually if term exceeds 12 months. Rates for deposits over $1m are available on request.",
   "stacked_bonus": null,
   "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
   "source_snapshot": "/v1/au/term-deposits/source/racq-bank/7.json",
   "bank_last_updated": "2026-09-02T22:06:11Z"
  },
  {
   "brand": "RACQ Bank",
   "brand_label": "RACQ Bank",
   "brand_slug": "racq-bank",
   "legal_entity_abn": "83087651054",
   "product_id": "7",
   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P12M",
   "term_months": 12,
   "term_min_months": 12,
   "term_max_months": 12,
   "term_days": null,
   "term_days_min": null,
   "term_days_max": null,
   "rate": 0.0535,
   "rate_pct": 5.35,
   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
   "tier_min": null,
   "tier_max": null,
   "min_balance": 1000.0,
   "max_balance": 1000000.0,
   "deposit_min": 1000.0,
   "deposit_max": 1000000.0,
   "is_special": false,
   "conditional": false,
   "conditions": [],
   "additional_info": "Interest is paid at maturity or annually if term exceeds 12 months. Rates for deposits over $1m are available on request.",
   "stacked_bonus": null,
   "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
   "source_snapshot": "/v1/au/term-deposits/source/racq-bank/7.json",
   "bank_last_updated": "2026-09-02T22:06:11Z"
  },
  {
   "brand": "RACQ Bank",
   "brand_label": "RACQ Bank",
   "brand_slug": "racq-bank",
   "legal_entity_abn": "83087651054",
   "product_id": "7",
   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P2Y",
   "term_months": 24,
   "term_min_months": 24,
   "term_max_months": 24,
   "term_days": null,
   "term_days_min": null,
   "term_days_max": null,
   "rate": 0.033,
   "rate_pct": 3.3,
   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
   "tier_min": null,
   "tier_max": null,
   "min_balance": 1000.0,
   "max_balance": 1000000.0,
   "deposit_min": 1000.0,
   "deposit_max": 1000000.0,
   "is_special": false,
   "conditional": false,
   "conditions": [],
   "additional_info": "Interest is paid at maturity or annually if term exceeds 12 months. Rates for deposits over $1m are available on request.",
   "stacked_bonus": null,
   "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
   "source_snapshot": "/v1/au/term-deposits/source/racq-bank/7.json",
   "bank_last_updated": "2026-09-02T22:06:11Z"
  },
  {
   "brand": "RACQ Bank",
   "brand_label": "RACQ Bank",
   "brand_slug": "racq-bank",
   "legal_entity_abn": "83087651054",
   "product_id": "7",
   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P3Y",
   "term_months": 36,
   "term_min_months": 36,
   "term_max_months": 36,
   "term_days": null,
   "term_days_min": null,
   "term_days_max": null,
   "rate": 0.033,
   "rate_pct": 3.3,
   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
   "tier_min": null,
   "tier_max": null,
   "min_balance": 1000.0,
   "max_balance": 1000000.0,
   "deposit_min": 1000.0,
   "deposit_max": 1000000.0,
   "is_special": false,
   "conditional": false,
   "conditions": [],
   "additional_info": "Interest is paid at maturity or annually if term exceeds 12 months. Rates for deposits over $1m are available on request.",
   "stacked_bonus": null,
   "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
   "source_snapshot": "/v1/au/term-deposits/source/racq-bank/7.json",
   "bank_last_updated": "2026-09-02T22:06:11Z"
  },
  {
   "brand": "RACQ Bank",
   "brand_label": "RACQ Bank",
   "brand_slug": "racq-bank",
   "legal_entity_abn": "83087651054",
   "product_id": "7",
   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P4Y",
   "term_months": 48,
   "term_min_months": 48,
   "term_max_months": 48,
   "term_days": null,
   "term_days_min": null,
   "term_days_max": null,
   "rate": 0.033,
   "rate_pct": 3.3,
   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
   "tier_min": null,
   "tier_max": null,
   "min_balance": 1000.0,
   "max_balance": 1000000.0,
   "deposit_min": 1000.0,
   "deposit_max": 1000000.0,
   "is_special": false,
   "conditional": false,
   "conditions": [],
   "additional_info": "Interest is paid at maturity or annually if term exceeds 12 months. Rates for deposits over $1m are available on request.",
   "stacked_bonus": null,
   "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
   "source_snapshot": "/v1/au/term-deposits/source/racq-bank/7.json",
   "bank_last_updated": "2026-09-02T22:06:11Z"
  },
  {
   "brand": "RACQ Bank",
   "brand_label": "RACQ Bank",
   "brand_slug": "racq-bank",
   "legal_entity_abn": "83087651054",
   "product_id": "7",
   "product_name": "Term Deposit",
   "product_label": "Term Deposit",
   "product_url": "https://www.racq.com.au/banking/support-and-faqs/forms-documents",
   "segment": "personal",
   "segments": [
    "personal"
   ],
   "segments_inferred": [],
   "term_raw": "P5Y",
   "term_months": 60,
   "term_min_months": 60,
   "term_max_months": 60,
   "term_days": null,
   "term_days_min": null,
   "term_days_max": null,
   "rate": 0.033,
   "rate_pct": 3.3,
   "rate_type": "FIXED",
   "interest_paid": "at_maturity",
   "tier_min": null,
   "tier_max": null,
   "min_balance": 1000.0,
   "max_balance": 1000000.0,
   "deposit_min": 1000.0,
   "deposit_max": 1000000.0,
   "is_special": false,
   "conditional": false,
   "conditions": [],
   "additional_info": "Interest is paid at maturity or annually if term exceeds 12 months. Rates for deposits over $1m are available on request.",
   "stacked_bonus": null,
   "source_url": "https://cdrbank.racq.com.au/cds-au/v1/banking/products/7",
   "source_snapshot": "/v1/au/term-deposits/source/racq-bank/7.json",
   "bank_last_updated": "2026-09-02T22:06:11Z"
  }
 ]
}
