{
 "snapshot_at": "2026-10-02T09:50:31Z",
 "brand": "Horizon Bank",
 "brand_slug": "horizon-bank",
 "product_id": "I50_I500001",
 "cdr_url": "https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/I50_I500001",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://onlinebanking.horizonbank.com.au/openbanking/cds-au/v1/banking/products/I50_I500001'",
 "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": "DIGITAL_BANKING",
    "additionalInfo": "Internet Banking and Mobile Banking App."
   }
  ],
  "constraints": [
   {
    "constraintType": "MIN_BALANCE",
    "additionalValue": "1000.00"
   }
  ],
  "fees": [
   {
    "name": "ACCESS_&_EARLY_REDEMPTIONS",
    "feeType": "WITHDRAWAL",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "25.00"
    },
    "currency": "AUD",
    "additionalInfo": "Withdrawals prior to the maturity date are permitted, however money withdrawn early from a term deposit will be paid at an adjusted rate of interest. The adjusted rate is based on the percentage of the original term remaining."
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.02",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.99",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "1",
      "maximumValue": "1",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P1M",
    "additionalInfoUri": "https://horizonbank.com.au/savings/term-deposits/term-deposits/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.02",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.99",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "2",
      "maximumValue": "2",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P2M",
    "additionalInfoUri": "https://horizonbank.com.au/savings/term-deposits/term-deposits/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.044",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.99",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "3",
      "maximumValue": "3",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P3M",
    "additionalInfoUri": "https://horizonbank.com.au/savings/term-deposits/term-deposits/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.046",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.99",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "4",
      "maximumValue": "4",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P4M",
    "additionalInfoUri": "https://horizonbank.com.au/savings/term-deposits/term-deposits/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.048",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.99",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "6",
      "maximumValue": "6",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P6M",
    "additionalInfoUri": "https://horizonbank.com.au/savings/term-deposits/term-deposits/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.049",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.99",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "9",
      "maximumValue": "9",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P9M",
    "additionalInfoUri": "https://horizonbank.com.au/savings/term-deposits/term-deposits/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.05",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.99",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "maximumValue": "12",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P12M",
    "additionalInfoUri": "https://horizonbank.com.au/savings/term-deposits/term-deposits/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.049",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P365D",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.99",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "24",
      "maximumValue": "24",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P24M",
    "additionalInfoUri": "https://horizonbank.com.au/savings/term-deposits/term-deposits/"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.045",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P365D",
    "tiers": [
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "9999999.99",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "36",
      "maximumValue": "36",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P36M",
    "additionalInfoUri": "https://horizonbank.com.au/savings/term-deposits/term-deposits/"
   }
  ],
  "productCategory": "TERM_DEPOSITS",
  "productId": "I50_I500001",
  "effectiveFrom": "2020-10-01T00:00:00.000+10:00",
  "lastUpdated": "2026-08-17T17:59:37.000+10:00",
  "name": "Term Deposit",
  "description": "Lock away your money with confidence knowing how much you'll earn. Choose from one of our flexible terms on offer, the minimum investment is $1000.",
  "brand": "HORIZON BANK",
  "brandName": "HORIZON BANK",
  "applicationUri": "https://horizonbank.com.au/forms/savings-account-or-term-deposit-application/",
  "isTailored": false,
  "additionalInformation": {
   "overviewUri": "https://horizonbank.com.au/savings/term-deposits/term-deposits/",
   "termsUri": "https://horizonbank.com.au/more/important-info/disclosure-documents/",
   "feesAndPricingUri": "https://horizonbank.com.au/more/important-info/fees-and-charges/"
  }
 }
}