{
 "snapshot_at": "2026-10-02T09:50:35Z",
 "brand": "Hume Bank",
 "brand_slug": "hume-bank",
 "product_id": "6M",
 "cdr_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/6M",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/6M'",
 "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": "We'll notify you before your deposit matures"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "If you wish to withdraw your Term deposit before it matures, a reduced interest rate may apply",
    "additionalInfoUri": "https://www.humebank.com.au/tools-help/product-tcs/"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Negotiated rates for balances above $1,000,000"
   }
  ],
  "constraints": [
   {
    "constraintType": "MIN_BALANCE",
    "additionalValue": "1000.00"
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "RESIDENCY_STATUS",
    "additionalValue": "Must be residing in Australia with an Australian residential mailing address"
   },
   {
    "eligibilityType": "BUSINESS"
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.052",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "Term Deposit 6M (Interest at Maturity)_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "1000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Term Deposit 6M (Interest at Maturity)_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "6",
      "maximumValue": "6",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P6M"
   }
  ],
  "productCategory": "TERM_DEPOSITS",
  "productId": "6M",
  "lastUpdated": "2026-09-17T20:45:41.000+10:00",
  "name": "Term Deposit 6M (Interest at Maturity)",
  "description": "TERM DEPOSIT - 6 month",
  "brand": "HUME BANK LIMITED",
  "brandName": "HUME BANK LIMITED",
  "isTailored": false,
  "additionalInformation": {
   "overviewUri": "https://www.humebank.com.au/savings/term-deposits/",
   "termsUri": "https://www.humebank.com.au/tools-help/product-tcs/",
   "eligibilityUri": "https://www.humebank.com.au/tools-help/product-tcs/",
   "feesAndPricingUri": "https://www.humebank.com.au/savings/term-deposits/"
  }
 }
}