{
 "snapshot_at": "2026-10-02T09:50:10Z",
 "brand": "Fire Service Credit Union",
 "brand_slug": "fire-service-credit-union",
 "product_id": "11",
 "cdr_url": "https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/11",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/11'",
 "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": "11",
  "effectiveFrom": "1999-01-06T13:30:00.0000000Z",
  "lastUpdated": "2026-05-20T04:00:33.3305724Z",
  "productCategory": "TERM_DEPOSITS",
  "name": "I1 Cheque A Month",
  "description": "12 Month Term Deposit Interest Paid Monthly. A fixed term savings account offers a safe, guaranteed rate of return on your money for the life of the investment. FSCU offer a range of terms to suit your needs and goals.",
  "brand": "Fire Service Credit Union",
  "applicationUri": "https://www.fscu.com.au/accounts/term-deposits/",
  "isTailored": false,
  "additionalInformation": {
   "overviewUri": "https://www.fscu.com.au/accounts/term-deposits/",
   "termsUri": "https://www.fscu.com.au/accounts/term-deposits/",
   "eligibilityUri": "https://www.fscu.com.au/why-us/membership/",
   "feesAndPricingUri": "https://www.fscu.com.au/rates/"
  },
  "constraints": [
   {
    "constraintType": "MIN_BALANCE",
    "additionalValue": "10000.00"
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "NATURAL_PERSON",
    "additionalInfo": "Available for all members"
   },
   {
    "eligibilityType": "OTHER",
    "additionalInfo": "To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services.",
    "additionalInfoUri": "https://www.fscu.com.au/why-us/membership/"
   },
   {
    "eligibilityType": "RESIDENCY_STATUS",
    "additionalValue": "Australian Residents only"
   }
  ],
  "fees": [
   {
    "name": "Term Deposit Early Withdrawal",
    "feeType": "EVENT",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "20.00"
    },
    "currency": "AUD",
    "additionalInfo": "Term Deposit Early Withdrawals: Interest penalty payable on funds withdrawn from a Term Deposit investment prior to the maturity date, by way of reduction of the interest accrued on those withdrawn funds.\r\n\r\n50% + $20.00 Admin Fee"
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.0405",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "Fixed",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "10000.00",
      "maximumValue": "1000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P1M"
   }
  ]
 }
}