{
 "snapshot_at": "2026-10-02T09:50:08Z",
 "brand": "Defence Bank",
 "brand_slug": "defence-bank",
 "product_id": "249",
 "cdr_url": "https://product.defencebank.com.au/cds-au/v1/banking/products/249",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://product.defencebank.com.au/cds-au/v1/banking/products/249'",
 "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": "249",
  "effectiveFrom": "2026-04-01T00:00:00.000+11:00",
  "effectiveTo": "2029-12-31T00:00:00.000+11:00",
  "lastUpdated": "2026-07-08T00:00:00.000+10:00",
  "productCategory": "TERM_DEPOSITS",
  "name": "Business Term Deposit 9 mths",
  "description": "Fixed Term Deposits start from as little as $2,000, and you can choose terms that works for your Business/Trust/SMSF between 30 days and 24 months.",
  "brand": "Defence Bank",
  "brandName": "Defence Bank Limited",
  "applicationUri": "https://join.defencebank.com.au",
  "isTailored": false,
  "additionalInformation": {
   "overviewUri": "https://www.defencebank.com.au/banking/term-deposits/business-term-deposit/",
   "termsUri": "https://www.defencebank.com.au/tools-and-advice/legal-and-compliance/disclosure-documents/",
   "eligibilityUri": "https://www.defencebank.com.au/banking/term-deposits/business-term-deposit/",
   "feesAndPricingUri": "https://www.defencebank.com.au/banking/term-deposits/business-term-deposit/",
   "additionalOverviewUris": [],
   "additionalTermsUris": [],
   "additionalEligibilityUris": [],
   "additionalFeesAndPricingUris": [],
   "additionalBundleUris": []
  },
  "cardArt": [],
  "bundles": [],
  "features": [
   {
    "featureType": "DIGITAL_BANKING",
    "additionalInfo": "View your term deposit with convenient Online Banking.",
    "additionalInfoUri": "https://www.defencebank.com.au/banking/term-deposits/business-term-deposit/"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Fixed rate for the life of the Term.",
    "additionalInfoUri": "https://www.defencebank.com.au/banking/term-deposits/business-term-deposit/"
   }
  ],
  "constraints": [
   {
    "constraintType": "MIN_BALANCE",
    "additionalValue": "2000.00",
    "additionalInfo": "Business term deposits are exclusive to: Sole Traders, Corporates (including Corporate Trustees), Individual Trustees, SMSF, Partnerships, Incorporated Associations (not-for-profits organisations and clubs).",
    "additionalInfoUri": "https://www.defencebank.com.au/banking/term-deposits/business-term-deposit/"
   },
   {
    "constraintType": "MAX_BALANCE",
    "additionalValue": "1000000.00",
    "additionalInfo": "Business term deposits are exclusive to: Sole Traders, Corporates (including Corporate Trustees), Individual Trustees, SMSF, Partnerships, Incorporated Associations (not-for-profits organisations and clubs).",
    "additionalInfoUri": "https://www.defencebank.com.au/banking/term-deposits/business-term-deposit/"
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "BUSINESS",
    "additionalValue": "Business term deposits are exclusive to: Sole Traders, Corporates (including Corporate Trustees), Individual Trustees, Partnerships, Incorporated Associations (not-for-profits organisations and clubs).",
    "additionalInfo": "Business term deposits are exclusive to: Sole Traders, Corporates (including Corporate Trustees), Individual Trustees, SMSF, Partnerships, Incorporated Associations (not-for-profits organisations and clubs).",
    "additionalInfoUri": "https://www.defencebank.com.au/banking/term-deposits/business-term-deposit/"
   }
  ],
  "fees": [
   {
    "name": "Early Withdrawal Penalty",
    "feeType": "EXIT",
    "additionalInfo": "Early withdrawal may incurr a partial loss of interest accrued depending on the Term remaining at the time of ealry withdrawal.",
    "additionalInfoUri": "https://www.defencebank.com.au/globalassets/documents/fees--charges/defence-bank-fees-and-charges-schedule.pdf",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "30.00"
    },
    "discounts": []
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.0475",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P9M",
    "tiers": [],
    "additionalValue": "P9M",
    "additionalInfo": "Where terms exceed 12 months, interest is capitalised annually. Interest payable in respect of the last 12 months or part thereof is added to the balance at maturity.",
    "additionalInfoUri": "https://www.defencebank.com.au/banking/term-deposits/business-term-deposit/"
   }
  ],
  "lendingRates": []
 }
}