{
 "snapshot_at": "2026-10-02T09:49:57Z",
 "brand": "Central West CUL",
 "brand_slug": "central-west-cul",
 "product_id": "I4_Fixed_Term_Deposit",
 "cdr_url": "https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/I4_Fixed_Term_Deposit",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://ib.cwcu.com.au/openbanking/cds-au/v1/banking/products/I4_Fixed_Term_Deposit'",
 "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": {
  "features": [
   {
    "featureType": "OTHER",
    "additionalInfo": "Interest calculated daily, paid monthly"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Interest calculated daily, paid at maturity"
   }
  ],
  "constraints": [
   {
    "constraintType": "MIN_BALANCE",
    "additionalValue": "5000.00"
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "RESIDENCY_STATUS",
    "additionalValue": "Australian residents only"
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.049",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "$5000+ (12m - 24m) I4_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "maximumValue": "49999.99",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "$5000+ (12m - 24m) I4_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "maximumValue": "17",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P17M"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.049",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "$5000+ (12m - 24m) I4_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "maximumValue": "49999.99",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "$5000+ (12m - 24m) I4_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "maximumValue": "17",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P17M"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.049",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "$5000+ (12m - 24m) I4_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "50000.00",
      "maximumValue": "1700000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "$5000+ (12m - 24m) I4_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "maximumValue": "17",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P17M"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.049",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "$5000+ (12m - 24m) I4_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "50000.00",
      "maximumValue": "1700000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "$5000+ (12m - 24m) I4_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "maximumValue": "17",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P17M"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.049",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "$5000+ (12m - 24m) I4_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "maximumValue": "49999.99",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "$5000+ (12m - 24m) I4_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "18",
      "maximumValue": "24",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P24M"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.049",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "$5000+ (12m - 24m) I4_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "maximumValue": "49999.99",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "$5000+ (12m - 24m) I4_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "18",
      "maximumValue": "24",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P24M"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.049",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "$5000+ (12m - 24m) I4_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "50000.00",
      "maximumValue": "1000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "$5000+ (12m - 24m) I4_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "18",
      "maximumValue": "24",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P24M"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.049",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "$5000+ (12m - 24m) I4_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "50000.00",
      "maximumValue": "1000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "$5000+ (12m - 24m) I4_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "18",
      "maximumValue": "24",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P24M"
   }
  ],
  "productCategory": "TERM_DEPOSITS",
  "productId": "I4_Fixed_Term_Deposit",
  "effectiveFrom": "2021-03-25T00:00:00.000+11:00",
  "lastUpdated": "2026-07-15T16:48:28.000+10:00",
  "name": "$5000+ (12m - 24m) I4",
  "description": "A fixed term deposit lets you earn a competitive interest rate on your money, over a set period of time.",
  "brand": "CENTRAL WEST CREDIT UNION LTD",
  "brandName": "CENTRAL WEST CREDIT UNION LTD",
  "applicationUri": "https://www.cwcu.com.au/savings/fixed-term-deposits",
  "isTailored": false,
  "additionalInformation": {
   "overviewUri": "https://www.cwcu.com.au/savings/fixed-term-deposits",
   "termsUri": "https://www.cwcu.com.au/disclosure-documents/conditions-of-use",
   "eligibilityUri": "https://www.cwcu.com.au/disclosure-documents/conditions-of-use",
   "feesAndPricingUri": "https://www.cwcu.com.au/disclosure-documents/fees-and-charges",
   "bundleUri": "https://www.cwcu.com.au/savings/fixed-term-deposits"
  }
 }
}