{
 "snapshot_at": "2026-10-02T09:50:41Z",
 "brand": "MyState Bank",
 "brand_slug": "mystate-bank",
 "product_id": "9b1d0464-3fef-417b-824c-ca9a025d9dbd",
 "cdr_url": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd",
 "x_v": 5,
 "how_to_fetch": "curl -H 'x-v: 5' 'https://public.cdr.mystate.com.au/cds-au/v1/banking/products/9b1d0464-3fef-417b-824c-ca9a025d9dbd'",
 "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": {
  "brand": "MYSTATE",
  "description": "If you have excess cash, and you want reliable investment returns, a Business term deposit from MyState Bank may be just what you need.",
  "isTailored": false,
  "lastUpdated": "2026-09-28T20:00:00.350904Z",
  "name": "Business Term Deposit",
  "productCategory": "TERM_DEPOSITS",
  "productId": "9b1d0464-3fef-417b-824c-ca9a025d9dbd",
  "additionalInformation": {
   "overviewUri": "https://mystate.com.au/business/savings-investments/term-deposit/",
   "termsUri": "https://mystate.com.au/legal/",
   "eligibilityUri": "https://mystate.com.au/legal/",
   "feesAndPricingUri": "https://mystate.com.au/legal/",
   "bundleUri": null,
   "additionalOverviewUris": null,
   "additionalTermsUris": null,
   "additionalEligibilityUris": null,
   "additionalFeesAndPricingUris": null,
   "additionalBundleUris": null
  },
  "applicationUri": null,
  "brandName": "My State PM Production",
  "cardArt": [],
  "effectiveFrom": null,
  "effectiveTo": null,
  "bundles": [],
  "constraints": [
   {
    "constraintType": "MIN_BALANCE",
    "additionalInfo": null,
    "additionalInfoUri": "https://mystate.com.au/legal/",
    "additionalValue": "5000.00"
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.0050000000000000",
    "additionalInfo": "Minimum balance $5,000",
    "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_business_savings.pdf",
    "additionalValue": "P1M",
    "applicationFrequency": "P1M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": 1.0,
      "name": "P1M",
      "unitOfMeasure": "MONTH",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": null,
      "maximumValue": 1.0,
      "rateApplicationMethod": "PER_TIER"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0050000000000000",
    "additionalInfo": "Minimum balance $5,000",
    "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_business_savings.pdf",
    "additionalValue": "P2M",
    "applicationFrequency": "P2M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": 2.0,
      "name": "P2M",
      "unitOfMeasure": "MONTH",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": null,
      "maximumValue": 2.0,
      "rateApplicationMethod": "PER_TIER"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0375",
    "additionalInfo": "Minimum balance $5,000",
    "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_business_savings.pdf",
    "additionalValue": "P15M",
    "applicationFrequency": "P15M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": 15.0,
      "name": "P15M",
      "unitOfMeasure": "MONTH",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": null,
      "maximumValue": 15.0,
      "rateApplicationMethod": "PER_TIER"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.04",
    "additionalInfo": "Minimum balance $5,000",
    "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_business_savings.pdf",
    "additionalValue": "P12M",
    "applicationFrequency": "P1M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": 12,
      "name": "P12M",
      "unitOfMeasure": "MONTH",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": null,
      "maximumValue": 12,
      "rateApplicationMethod": "PER_TIER"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.034",
    "additionalInfo": "Minimum balance $5,000",
    "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_business_savings.pdf",
    "additionalValue": "P24M",
    "applicationFrequency": "P1M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": 24,
      "name": "P24M",
      "unitOfMeasure": "MONTH",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": null,
      "maximumValue": 24,
      "rateApplicationMethod": "PER_TIER"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.051",
    "additionalInfo": "Minimum balance $5,000",
    "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_business_savings.pdf",
    "additionalValue": "P9M",
    "applicationFrequency": "P9M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": 9,
      "name": "P9M",
      "unitOfMeasure": "MONTH",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": null,
      "maximumValue": 9,
      "rateApplicationMethod": "PER_TIER"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.05",
    "additionalInfo": "Minimum balance $5,000",
    "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_business_savings.pdf",
    "additionalValue": "P8M",
    "applicationFrequency": "P8M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": 8,
      "name": "P8M",
      "unitOfMeasure": "MONTH",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": null,
      "maximumValue": 8,
      "rateApplicationMethod": "PER_TIER"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.05",
    "additionalInfo": "Minimum balance $5,000",
    "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_business_savings.pdf",
    "additionalValue": "P7M",
    "applicationFrequency": "P7M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": 7,
      "name": "P7M",
      "unitOfMeasure": "MONTH",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": null,
      "maximumValue": 7,
      "rateApplicationMethod": "PER_TIER"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0315",
    "additionalInfo": "Minimum balance $5,000",
    "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_business_savings.pdf",
    "additionalValue": "P36M",
    "applicationFrequency": "P1M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": 36,
      "name": "P36M",
      "unitOfMeasure": "MONTH",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": null,
      "maximumValue": 36,
      "rateApplicationMethod": "PER_TIER"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.051",
    "additionalInfo": "Minimum balance $5,000",
    "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_business_savings.pdf",
    "additionalValue": "P10M",
    "applicationFrequency": "P10M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": 10,
      "name": "P10M",
      "unitOfMeasure": "MONTH",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": null,
      "maximumValue": 10,
      "rateApplicationMethod": "PER_TIER"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.049",
    "additionalInfo": "Minimum balance $5,000",
    "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_business_savings.pdf",
    "additionalValue": "P5M",
    "applicationFrequency": "P5M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": 5,
      "name": "P5M",
      "unitOfMeasure": "MONTH",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": null,
      "maximumValue": 5,
      "rateApplicationMethod": "PER_TIER"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.049",
    "additionalInfo": "Minimum balance $5,000",
    "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_business_savings.pdf",
    "additionalValue": "P4M",
    "applicationFrequency": "P4M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": 4.0,
      "name": "P4M",
      "unitOfMeasure": "MONTH",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": null,
      "maximumValue": 4.0,
      "rateApplicationMethod": "PER_TIER"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0425",
    "additionalInfo": "Minimum balance $5,000",
    "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_business_savings.pdf",
    "additionalValue": "P36M",
    "applicationFrequency": "P12M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": 36,
      "name": "P36M",
      "unitOfMeasure": "MONTH",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": null,
      "maximumValue": 36,
      "rateApplicationMethod": "PER_TIER"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0525",
    "additionalInfo": "Minimum balance $5,000",
    "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_business_savings.pdf",
    "additionalValue": "P12M",
    "applicationFrequency": "P12M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": 12,
      "name": "P12M",
      "unitOfMeasure": "MONTH",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": null,
      "maximumValue": 12,
      "rateApplicationMethod": "PER_TIER"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0535",
    "additionalInfo": "Minimum balance $5,000",
    "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_business_savings.pdf",
    "additionalValue": "P11M",
    "applicationFrequency": "P11M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": 11,
      "name": "P11M",
      "unitOfMeasure": "MONTH",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": null,
      "maximumValue": 11,
      "rateApplicationMethod": "PER_TIER"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0515",
    "additionalInfo": "Minimum balance $5,000",
    "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_business_savings.pdf",
    "additionalValue": "P24M",
    "applicationFrequency": "P24M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": 24,
      "name": "P24M",
      "unitOfMeasure": "MONTH",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": null,
      "maximumValue": 24,
      "rateApplicationMethod": "PER_TIER"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0495",
    "additionalInfo": "Minimum balance $5,000",
    "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_business_savings.pdf",
    "additionalValue": "P3M",
    "applicationFrequency": "P3M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": 3,
      "name": "P3M",
      "unitOfMeasure": "MONTH",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": null,
      "maximumValue": 3,
      "rateApplicationMethod": "PER_TIER"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.051",
    "additionalInfo": "Minimum balance $5,000",
    "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_business_savings.pdf",
    "additionalValue": "P24M",
    "applicationFrequency": "P12M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": 24,
      "name": "P24M",
      "unitOfMeasure": "MONTH",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": null,
      "maximumValue": 24,
      "rateApplicationMethod": "PER_TIER"
     }
    ]
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.05",
    "additionalInfo": "Minimum balance $5,000",
    "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_business_savings.pdf",
    "additionalValue": "P6M",
    "applicationFrequency": "P6M",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": 6,
      "name": "P6M",
      "unitOfMeasure": "MONTH",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": null,
      "maximumValue": 6,
      "rateApplicationMethod": "PER_TIER"
     }
    ]
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "NATURAL_PERSON",
    "additionalInfo": null,
    "additionalInfoUri": "https://mystate.com.au/legal/",
    "additionalValue": null
   }
  ],
  "features": [],
  "fees": [
   {
    "feeType": "EVENT",
    "name": "Early Withdrawal",
    "accrualFrequency": "P1D",
    "accruedRate": "1.0000000000000000",
    "additionalInfo": null,
    "additionalInfoUri": null,
    "additionalValue": null,
    "amount": null,
    "balanceRate": null,
    "currency": "AUD",
    "discounts": [],
    "transactionRate": null
   }
  ],
  "lendingRates": []
 }
}