{
 "snapshot_at": "2026-10-02T09:50:37Z",
 "brand": "Laboratories Credit Union",
 "brand_slug": "laboratories-credit-union",
 "product_id": "Fixed_Term_Deposit",
 "cdr_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/Fixed_Term_Deposit",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/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": "The minimum term available for this product is 3 months"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Scaled penalty applies, see linked URI",
    "additionalInfoUri": "https://lcu.com.au/fixed-term-deposits/"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Under the FCS certain deposits are protected up to a limit of $250,000 for each account holder at any bank, building society, credit union or other authorised deposit-taking institution (ADI) that is incorporated in Australia and authorised by the Australian Prudential Regulation Authority (APRA)."
   }
  ],
  "constraints": [
   {
    "constraintType": "MIN_BALANCE",
    "additionalValue": "1000.00",
    "additionalInfo": "Minimum amount to open a Fixed Term Deposit is $1,000"
   },
   {
    "constraintType": "MAX_BALANCE",
    "additionalValue": "500000.00",
    "additionalInfo": "Any deposits above this are at the Credit Union's discretion"
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "NATURAL_PERSON"
   },
   {
    "eligibilityType": "RESIDENCY_STATUS",
    "additionalValue": "If not an Australian resident, you must complete a Tax Residency Declaration"
   },
   {
    "eligibilityType": "OTHER",
    "additionalInfo": "Must be a shareholder owning a $10 share.  Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own your Bank\". $10 share is refunded if you choose to close your account."
   },
   {
    "eligibilityType": "OTHER",
    "additionalInfo": "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may be eligible to join if you: work or live in the greater Ryde area; have an association with Riverside Corporate or Macquarie Park; or work in a STEM industry."
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.026",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "Fixed Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "500.00",
      "maximumValue": "1000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Fixed Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "3",
      "maximumValue": "5",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P5M"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.031",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "Fixed Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "500.00",
      "maximumValue": "1000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Fixed Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "6",
      "maximumValue": "11",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P11M"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.046",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "Fixed Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "500.00",
      "maximumValue": "1000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Fixed Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "maximumValue": "12",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P12M"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.046",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "Fixed Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "500.00",
      "maximumValue": "1000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Fixed Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "13",
      "maximumValue": "23",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P23M"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.045",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "Fixed Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "500.00",
      "maximumValue": "1000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Fixed Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "24",
      "maximumValue": "35",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P35M"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.046",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "Fixed Term Deposit_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "500.00",
      "maximumValue": "1000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "Fixed Term Deposit_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "36",
      "maximumValue": "36",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P36M"
   }
  ],
  "productCategory": "TERM_DEPOSITS",
  "productId": "Fixed_Term_Deposit",
  "lastUpdated": "2026-02-11T12:18:04.000+11:00",
  "name": "Fixed Term Deposit",
  "description": "Invest your funds for a good return",
  "brand": "LABORATORIES CREDIT UNION LTD.",
  "brandName": "LCU",
  "applicationUri": "https://join.lcu.com.au/getting-started",
  "isTailored": false,
  "additionalInformation": {
   "overviewUri": "https://lcu.com.au/fixed-term-deposits/",
   "termsUri": "https://lcu.com.au/disclosure-documents/",
   "feesAndPricingUri": "https://lcu.com.au/disclosure-documents/"
  }
 }
}