{
 "snapshot_at": "2026-10-02T09:49:46Z",
 "brand": "Bendigo Bank",
 "brand_slug": "bendigo-bank",
 "product_id": "d85e9c1b-fa75-4493-ae9c-05038cda8b70",
 "cdr_url": "https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/d85e9c1b-fa75-4493-ae9c-05038cda8b70",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://api.cdr.bendigobank.com.au/cds-au/v1/banking/products/d85e9c1b-fa75-4493-ae9c-05038cda8b70'",
 "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": {
  "effectiveFrom": "2025-02-09T14:00:00.000Z",
  "lastUpdated": "2026-09-03T01:37:15.152Z",
  "productCategory": "TERM_DEPOSITS",
  "name": "Fixed Rate Farm Management Deposit",
  "description": "A Farm Management Deposit (FMD) is an important cash flow management tool that enables individuals carrying on a primary production business in Australia (primary producers) to set aside pre-tax income from their profitable years and earn interest on it – so the money’s available when they most need it.",
  "productId": "d85e9c1b-fa75-4493-ae9c-05038cda8b70",
  "brandName": "Bendigo Bank",
  "isTailored": false,
  "bundles": [],
  "cardArt": [],
  "features": [
   {
    "featureType": "OTHER",
    "additionalInfo": "Fixed 1, 2, 3, 6, 12 or 24 month terms available."
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Designed for primary producers who’ve earned a taxable non-farm income of $100,000 or less over a financial year."
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "You can have more than one Farm Management Deposit, up to a combined value of $800,000 per farmer."
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Earn competitive interest rates on a choice of fixed terms."
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "No monthly account service fees or transaction fees apply to Bendigo Bank Farm Management Deposit accounts."
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "31 day withdrawal notice if need to access funds before its maturity date."
   }
  ],
  "constraints": [
   {
    "constraintType": "OPENING_BALANCE",
    "additionalValue": "5000.00"
   },
   {
    "constraintType": "MAX_BALANCE",
    "additionalInfo": "The total of all FMD’s held in a client’s name must not exceed $800,000.00",
    "additionalValue": "800000.00"
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "OTHER",
    "additionalInfo": "Customer must be a primary producer with an off-farm taxable income of less than $100,000 per annum."
   },
   {
    "eligibilityType": "RESIDENCY_STATUS",
    "additionalValue": "Australian Residency",
    "additionalInfo": "Only available to Australian primary producers."
   },
   {
    "eligibilityType": "OTHER",
    "additionalInfo": "Can only be opened in the name of an individual."
   },
   {
    "eligibilityType": "OTHER",
    "additionalInfo": "Subject to farm management deposit scheme eligibility guidelines."
   }
  ],
  "fees": [
   {
    "name": "Bank Cheque Fee",
    "feeType": "TRANSACTION",
    "feeMethodUType": "fixedAmount",
    "currency": "AUD",
    "additionalInfo": "Applies per bank cheque you request. This fee will not be debited to your FMD.",
    "discounts": [],
    "fixedAmount": {
     "amount": "10.000000"
    }
   }
  ],
  "lendingRates": [],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.0000000000000000",
    "calculationFrequency": "P1D",
    "additionalValue": "P1M",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "$0 - $4,999.99",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "0.0000000000000000",
      "maximumValue": "4999.9900000000000000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0200000000000000",
    "calculationFrequency": "P1D",
    "additionalValue": "P1M",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "$5,000 to $800,000",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.0000000000000000",
      "maximumValue": "800000.0000000000000000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0000000000000000",
    "calculationFrequency": "P1D",
    "additionalValue": "P2M",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "$0 - $4,999.99",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "0.0000000000000000",
      "maximumValue": "4999.9900000000000000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0200000000000000",
    "calculationFrequency": "P1D",
    "additionalValue": "P2M",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "$5,000 to $800,000",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.0000000000000000",
      "maximumValue": "800000.0000000000000000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0000000000000000",
    "calculationFrequency": "P1D",
    "additionalValue": "P3M",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "$0 - $4,999.99",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "0.0000000000000000",
      "maximumValue": "4999.9900000000000000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0370000000000000",
    "calculationFrequency": "P1D",
    "additionalValue": "P3M",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "$5,000 to $800,000",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.0000000000000000",
      "maximumValue": "800000.0000000000000000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0000000000000000",
    "calculationFrequency": "P1D",
    "additionalValue": "P6M",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "$0 - $4,999.99",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "0.0000000000000000",
      "maximumValue": "4999.9900000000000000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0450000000000000",
    "calculationFrequency": "P1D",
    "additionalValue": "P6M",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "$5,000 to $800,000",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.0000000000000000",
      "maximumValue": "800000.0000000000000000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0000000000000000",
    "calculationFrequency": "P1D",
    "additionalValue": "P1Y",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "$0 - $4,999.99",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "0.0000000000000000",
      "maximumValue": "4999.9900000000000000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0520000000000000",
    "calculationFrequency": "P1D",
    "additionalValue": "P1Y",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "5,000 to $800,000",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.0000000000000000",
      "maximumValue": "800000.0000000000000000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0000000000000000",
    "calculationFrequency": "P1D",
    "applicationFrequency": "P3M",
    "additionalValue": "P1Y",
    "applicationType": "PERIODIC",
    "tiers": [
     {
      "name": "$0 - $4,999.99",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "0.0000000000000000",
      "maximumValue": "4999.9900000000000000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0515000000000000",
    "calculationFrequency": "P1D",
    "applicationFrequency": "P3M",
    "additionalValue": "P1Y",
    "applicationType": "PERIODIC",
    "tiers": [
     {
      "name": "$5,000 to $800,000",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.0000000000000000",
      "maximumValue": "800000.0000000000000000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0000000000000000",
    "calculationFrequency": "P1D",
    "applicationFrequency": "P1M",
    "additionalValue": "P1Y",
    "applicationType": "PERIODIC",
    "tiers": [
     {
      "name": "$0 - $4,999.99",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "0.0000000000000000",
      "maximumValue": "4999.9900000000000000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0515000000000000",
    "calculationFrequency": "P1D",
    "applicationFrequency": "P1M",
    "additionalValue": "P1Y",
    "applicationType": "PERIODIC",
    "tiers": [
     {
      "name": "$5,000 to $800,000",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.0000000000000000",
      "maximumValue": "800000.0000000000000000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0000000000000000",
    "calculationFrequency": "P1D",
    "applicationFrequency": "P1Y",
    "additionalValue": "P2Y",
    "applicationType": "PERIODIC",
    "tiers": [
     {
      "name": "$0 - $4,999.99",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "0.0000000000000000",
      "maximumValue": "4999.9900000000000000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0470000000000000",
    "calculationFrequency": "P1D",
    "applicationFrequency": "P1Y",
    "additionalValue": "P2Y",
    "applicationType": "PERIODIC",
    "tiers": [
     {
      "name": "$5,000 to $800,000",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.0000000000000000",
      "maximumValue": "800000.0000000000000000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0000000000000000",
    "calculationFrequency": "P1D",
    "applicationFrequency": "P3M",
    "additionalValue": "P2Y",
    "applicationType": "PERIODIC",
    "tiers": [
     {
      "name": "$0 - $4,999.99",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "0.0000000000000000",
      "maximumValue": "4999.9900000000000000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0465000000000000",
    "calculationFrequency": "P1D",
    "applicationFrequency": "P3M",
    "additionalValue": "P2Y",
    "applicationType": "PERIODIC",
    "tiers": [
     {
      "name": "$5,000 to $800,000",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.0000000000000000",
      "maximumValue": "800000.0000000000000000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0000000000000000",
    "calculationFrequency": "P1D",
    "applicationFrequency": "P1M",
    "additionalValue": "P2Y",
    "applicationType": "PERIODIC",
    "tiers": [
     {
      "name": "$0 - $4,999.99",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "0.0000000000000000",
      "maximumValue": "4999.9900000000000000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0465000000000000",
    "calculationFrequency": "P1D",
    "applicationFrequency": "P1M",
    "additionalValue": "P2Y",
    "applicationType": "PERIODIC",
    "tiers": [
     {
      "name": "$5,000 to $800,000",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.0000000000000000",
      "maximumValue": "800000.0000000000000000",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ]
   }
  ],
  "additionalInformation": {
   "overviewUri": "https://www.bendigobank.com.au/business/accounts/farm-management-deposit/",
   "termsUri": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-business-accounts-and-facilities.pdf",
   "feesAndPricingUri": "https://www.bendigobank.com.au/globalassets/documents/interestrates/schedule-of-interest-rates-for-farm-management-deposit-accounts.pdf"
  },
  "brand": "BENDIGO"
 }
}