{
 "snapshot_at": "2026-10-02T09:50:42Z",
 "brand": "Newcastle Permanent",
 "brand_slug": "newcastle-permanent",
 "product_id": "TD_termdeposit",
 "cdr_url": "https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://openbank.newcastlepermanent.com.au/cds-au/v1/banking/products/TD_termdeposit'",
 "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": {
  "additionalInformation": {
   "eligibilityUri": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions",
   "feesAndPricingUri": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions",
   "overviewUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
   "termsUri": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions"
  },
  "applicationUri": "https://www.newcastlepermanent.com.au/tools-and-services/apply-for-a-product",
  "brand": "NP",
  "brandName": "Newcastle Permanent",
  "bundles": [],
  "constraints": [
   {
    "additionalValue": "1000.00",
    "constraintType": "MIN_BALANCE"
   },
   {
    "additionalValue": "1000.00",
    "constraintType": "OPENING_BALANCE"
   }
  ],
  "depositRates": [
   {
    "additionalInfo": "316 - 345 days  Interest paid at maturity",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
    "additionalValue": "P316D - P345D",
    "applicabilityConditions": [],
    "applicationType": "MATURITY",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0360000000",
    "tiers": [
     {
      "applicabilityConditions": [],
      "maximumValue": "99999999.99",
      "minimumValue": "1000.00",
      "name": "Entire Balance",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "5 years Interest paid annually",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
    "additionalValue": "P5Y",
    "applicabilityConditions": [],
    "applicationFrequency": "P1Y",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0355000000",
    "tiers": [
     {
      "applicabilityConditions": [],
      "maximumValue": "99999999.99",
      "minimumValue": "1000.00",
      "name": "Entire Balance",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "1 year Interest paid quarterly",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
    "additionalValue": "P1Y",
    "applicabilityConditions": [],
    "applicationFrequency": "P3M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0520000000",
    "tiers": [
     {
      "applicabilityConditions": [],
      "maximumValue": "99999999.99",
      "minimumValue": "1000.00",
      "name": "Entire Balance",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "2 years Interest paid quarterly",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
    "additionalValue": "P2Y",
    "applicabilityConditions": [],
    "applicationFrequency": "P3M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0415000000",
    "tiers": [
     {
      "applicabilityConditions": [],
      "maximumValue": "99999999.99",
      "minimumValue": "1000.00",
      "name": "Entire Balance",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "76 - 105 days Interest paid at maturity",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
    "additionalValue": "P76D - P105D",
    "applicabilityConditions": [],
    "applicationType": "MATURITY",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0450000000",
    "tiers": [
     {
      "applicabilityConditions": [],
      "maximumValue": "99999999.99",
      "minimumValue": "1000.00",
      "name": "Entire Balance",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "166 - 195 days Interest paid monthly",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
    "additionalValue": "P166D - P195D",
    "applicabilityConditions": [],
    "applicationFrequency": "P1M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0500000000",
    "tiers": [
     {
      "applicabilityConditions": [],
      "maximumValue": "99999999.99",
      "minimumValue": "1000.00",
      "name": "Entire Balance",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "1 year Interest paid half-yearly",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
    "additionalValue": "P1Y",
    "applicabilityConditions": [],
    "applicationFrequency": "P6M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0520000000",
    "tiers": [
     {
      "applicabilityConditions": [],
      "maximumValue": "99999999.99",
      "minimumValue": "1000.00",
      "name": "Entire Balance",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "2 years Interest paid annually",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
    "additionalValue": "P2Y",
    "applicabilityConditions": [],
    "applicationFrequency": "P1Y",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0425000000",
    "tiers": [
     {
      "applicabilityConditions": [],
      "maximumValue": "99999999.99",
      "minimumValue": "1000.00",
      "name": "Entire Balance",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "256 - 285 days Interest paid monthly",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
    "additionalValue": "P256D - P285D",
    "applicabilityConditions": [],
    "applicationFrequency": "P1M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0350000000",
    "tiers": [
     {
      "applicabilityConditions": [],
      "maximumValue": "99999999.99",
      "minimumValue": "1000.00",
      "name": "Entire Balance",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "4 years Interest paid half-yearly",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
    "additionalValue": "P4Y",
    "applicabilityConditions": [],
    "applicationFrequency": "P6M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0345000000",
    "tiers": [
     {
      "applicabilityConditions": [],
      "maximumValue": "99999999.99",
      "minimumValue": "1000.00",
      "name": "Entire Balance",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "3 years Interest paid monthly",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
    "additionalValue": "P3Y",
    "applicabilityConditions": [],
    "applicationFrequency": "P1M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0365000000",
    "tiers": [
     {
      "applicabilityConditions": [],
      "maximumValue": "99999999.99",
      "minimumValue": "1000.00",
      "name": "Entire Balance",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "5 years Interest paid monthly",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
    "additionalValue": "P5Y",
    "applicabilityConditions": [],
    "applicationFrequency": "P1M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0345000000",
    "tiers": [
     {
      "applicabilityConditions": [],
      "maximumValue": "99999999.99",
      "minimumValue": "1000.00",
      "name": "Entire Balance",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "166 - 195 days  Interest paid at maturity",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
    "additionalValue": "P166D - P195D",
    "applicabilityConditions": [],
    "applicationType": "MATURITY",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0510000000",
    "tiers": [
     {
      "applicabilityConditions": [],
      "maximumValue": "99999999.99",
      "minimumValue": "1000.00",
      "name": "Entire Balance",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "3 years Interest paid quarterly",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
    "additionalValue": "P3Y",
    "applicabilityConditions": [],
    "applicationFrequency": "P3M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0365000000",
    "tiers": [
     {
      "applicabilityConditions": [],
      "maximumValue": "99999999.99",
      "minimumValue": "1000.00",
      "name": "Entire Balance",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "2 years Interest paid monthly",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
    "additionalValue": "P2Y",
    "applicabilityConditions": [],
    "applicationFrequency": "P1M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0415000000",
    "tiers": [
     {
      "applicabilityConditions": [],
      "maximumValue": "99999999.99",
      "minimumValue": "1000.00",
      "name": "Entire Balance",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "196 - 225 days Interest paid monthly",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
    "additionalValue": "P196D - P225D",
    "applicabilityConditions": [],
    "applicationFrequency": "P1M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0350000000",
    "tiers": [
     {
      "applicabilityConditions": [],
      "maximumValue": "99999999.99",
      "minimumValue": "1000.00",
      "name": "Entire Balance",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "136 - 165 days  Interest paid at maturity",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
    "additionalValue": "P136D - P165D",
    "applicabilityConditions": [],
    "applicationType": "MATURITY",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0375000000",
    "tiers": [
     {
      "applicabilityConditions": [],
      "maximumValue": "99999999.99",
      "minimumValue": "1000.00",
      "name": "Entire Balance",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "196 - 225 days  Interest paid at maturity",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
    "additionalValue": "P196D - P225D",
    "applicabilityConditions": [],
    "applicationType": "MATURITY",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0360000000",
    "tiers": [
     {
      "applicabilityConditions": [],
      "maximumValue": "99999999.99",
      "minimumValue": "1000.00",
      "name": "Entire Balance",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "5 years Interest paid quarterly",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
    "additionalValue": "P5Y",
    "applicabilityConditions": [],
    "applicationFrequency": "P3M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0345000000",
    "tiers": [
     {
      "applicabilityConditions": [],
      "maximumValue": "99999999.99",
      "minimumValue": "1000.00",
      "name": "Entire Balance",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "256 - 285 days  Interest paid at maturity",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
    "additionalValue": "P256D - P285D",
    "applicabilityConditions": [],
    "applicationType": "MATURITY",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0360000000",
    "tiers": [
     {
      "applicabilityConditions": [],
      "maximumValue": "99999999.99",
      "minimumValue": "1000.00",
      "name": "Entire Balance",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "76 - 105 days Interest paid monthly",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
    "additionalValue": "P76D - P105D",
    "applicabilityConditions": [],
    "applicationFrequency": "P1M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0440000000",
    "tiers": [
     {
      "applicabilityConditions": [],
      "maximumValue": "99999999.99",
      "minimumValue": "1000.00",
      "name": "Entire Balance",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "5 years Interest paid half-yearly",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
    "additionalValue": "P5Y",
    "applicabilityConditions": [],
    "applicationFrequency": "P6M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0345000000",
    "tiers": [
     {
      "applicabilityConditions": [],
      "maximumValue": "99999999.99",
      "minimumValue": "1000.00",
      "name": "Entire Balance",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "4 years Interest paid annually",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
    "additionalValue": "P4Y",
    "applicabilityConditions": [],
    "applicationFrequency": "P1Y",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0355000000",
    "tiers": [
     {
      "applicabilityConditions": [],
      "maximumValue": "99999999.99",
      "minimumValue": "1000.00",
      "name": "Entire Balance",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "316 - 345 days Interest paid monthly",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
    "additionalValue": "P316D - P345D",
    "applicabilityConditions": [],
    "applicationFrequency": "P1M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0350000000",
    "tiers": [
     {
      "applicabilityConditions": [],
      "maximumValue": "99999999.99",
      "minimumValue": "1000.00",
      "name": "Entire Balance",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "2 years Interest paid half-yearly",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
    "additionalValue": "P2Y",
    "applicabilityConditions": [],
    "applicationFrequency": "P6M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0415000000",
    "tiers": [
     {
      "applicabilityConditions": [],
      "maximumValue": "99999999.99",
      "minimumValue": "1000.00",
      "name": "Entire Balance",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "106 - 135 days Interest paid monthly",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
    "additionalValue": "P106D - P135D",
    "applicabilityConditions": [],
    "applicationFrequency": "P1M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0365000000",
    "tiers": [
     {
      "applicabilityConditions": [],
      "maximumValue": "99999999.99",
      "minimumValue": "1000.00",
      "name": "Entire Balance",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "346 - 385 days Interest paid monthly",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
    "additionalValue": "P346D - P385D",
    "applicabilityConditions": [],
    "applicationFrequency": "P1M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0520000000",
    "tiers": [
     {
      "applicabilityConditions": [],
      "maximumValue": "99999999.99",
      "minimumValue": "1000.00",
      "name": "Entire Balance",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "46 - 75 days Interest paid at maturity",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
    "additionalValue": "P46D - P75D",
    "applicabilityConditions": [],
    "applicationType": "MATURITY",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0100000000",
    "tiers": [
     {
      "applicabilityConditions": [],
      "maximumValue": "99999999.99",
      "minimumValue": "1000.00",
      "name": "Entire Balance",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "3 years Interest paid half-yearly",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
    "additionalValue": "P3Y",
    "applicabilityConditions": [],
    "applicationFrequency": "P6M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0365000000",
    "tiers": [
     {
      "applicabilityConditions": [],
      "maximumValue": "99999999.99",
      "minimumValue": "1000.00",
      "name": "Entire Balance",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "4 years Interest paid monthly",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
    "additionalValue": "P4Y",
    "applicabilityConditions": [],
    "applicationFrequency": "P1M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0345000000",
    "tiers": [
     {
      "applicabilityConditions": [],
      "maximumValue": "99999999.99",
      "minimumValue": "1000.00",
      "name": "Entire Balance",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "3 years Interest paid annually",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
    "additionalValue": "P3Y",
    "applicabilityConditions": [],
    "applicationFrequency": "P1Y",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0375000000",
    "tiers": [
     {
      "applicabilityConditions": [],
      "maximumValue": "99999999.99",
      "minimumValue": "1000.00",
      "name": "Entire Balance",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "286 - 315 days Interest paid monthly",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
    "additionalValue": "P286D - P315D",
    "applicabilityConditions": [],
    "applicationFrequency": "P1M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0350000000",
    "tiers": [
     {
      "applicabilityConditions": [],
      "maximumValue": "99999999.99",
      "minimumValue": "1000.00",
      "name": "Entire Balance",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "106 - 135 days Interest paid at maturity",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
    "additionalValue": "P106D - P135D",
    "applicabilityConditions": [],
    "applicationType": "MATURITY",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0375000000",
    "tiers": [
     {
      "applicabilityConditions": [],
      "maximumValue": "99999999.99",
      "minimumValue": "1000.00",
      "name": "Entire Balance",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "136 - 165 days Interest paid monthly",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
    "additionalValue": "P136D - P165D ",
    "applicabilityConditions": [],
    "applicationFrequency": "P1M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0365000000",
    "tiers": [
     {
      "applicabilityConditions": [],
      "maximumValue": "99999999.99",
      "minimumValue": "1000.00",
      "name": "Entire Balance",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "226 - 255 days  Interest paid at maturity",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
    "additionalValue": "P226D - P255D",
    "applicabilityConditions": [],
    "applicationType": "MATURITY",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0360000000",
    "tiers": [
     {
      "applicabilityConditions": [],
      "maximumValue": "99999999.99",
      "minimumValue": "1000.00",
      "name": "Entire Balance",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "4 years Interest paid quarterly",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
    "additionalValue": "P4Y",
    "applicabilityConditions": [],
    "applicationFrequency": "P3M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0345000000",
    "tiers": [
     {
      "applicabilityConditions": [],
      "maximumValue": "99999999.99",
      "minimumValue": "1000.00",
      "name": "Entire Balance",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "346 - 385 days Interest paid at maturity",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
    "additionalValue": "P346D - P385D",
    "applicabilityConditions": [],
    "applicationType": "MATURITY",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0530000000",
    "tiers": [
     {
      "applicabilityConditions": [],
      "maximumValue": "99999999.99",
      "minimumValue": "1000.00",
      "name": "Entire Balance",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "21 - 45 days Interest paid at maturity",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
    "additionalValue": "P21D - P45D",
    "applicabilityConditions": [],
    "applicationType": "MATURITY",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0100000000",
    "tiers": [
     {
      "applicabilityConditions": [],
      "maximumValue": "99999999.99",
      "minimumValue": "1000.00",
      "name": "Entire Balance",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "286 - 315 days  Interest paid at maturity",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
    "additionalValue": "P286D - P315D",
    "applicabilityConditions": [],
    "applicationType": "MATURITY",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0360000000",
    "tiers": [
     {
      "applicabilityConditions": [],
      "maximumValue": "99999999.99",
      "minimumValue": "1000.00",
      "name": "Entire Balance",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   },
   {
    "additionalInfo": "226 - 255 days Interest paid monthly",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/personal/term-deposit",
    "additionalValue": "P226D - P255D",
    "applicabilityConditions": [],
    "applicationFrequency": "P1M",
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.0350000000",
    "tiers": [
     {
      "applicabilityConditions": [],
      "maximumValue": "99999999.99",
      "minimumValue": "1000.00",
      "name": "Entire Balance",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR"
     }
    ]
   }
  ],
  "description": "A Term Deposit is a secure way to boost your savings, simply open an account, select your term and enjoy the rewards of a high interest investment. ",
  "effectiveFrom": "2009-10-16T00:00:00+11:00",
  "effectiveTo": "9999-12-30T00:00:00+11:00",
  "eligibility": [
   {
    "additionalInfo": "14 years of age or older, or a parent or legal guardian of a child under 14 years of age and you open the account on their behalf.",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions",
    "additionalValue": "14",
    "eligibilityType": "MIN_AGE"
   },
   {
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/terms-and-conditions",
    "additionalValue": "Living in Australia and have an Australian residential address",
    "eligibilityType": "RESIDENCY_STATUS"
   }
  ],
  "features": [
   {
    "additionalInfo": "Internet Banking and Mobile Banking",
    "additionalInfoUri": "https://www.newcastlepermanent.com.au/tools-and-services/digital-banking",
    "featureType": "DIGITAL_BANKING"
   },
   {
    "additionalInfo": "Eligible customers enjoy dedicated and personalised service from the Premium Banking team.",
    "featureType": "RELATIONSHIP_MANAGEMENT"
   },
   {
    "additionalInfo": "For Term Deposits opened or last renewed before 23 February 2026, early withdrawals earn a reduced interest rate of 0.01% p.a. for the period invested. For Term Deposits opened or renewed from 23 February 2026, 31 days’ notice is required for early withdrawals, and interest will be recalculated using the reduced interest rate applicable to the shorter investment term.",
    "featureType": "OTHER"
   }
  ],
  "fees": [
   {
    "currency": "AUD",
    "discounts": [],
    "feeMethodUType": "fixedAmount",
    "feeType": "REPLACEMENT",
    "fixedAmount": {
     "amount": "15.00"
    },
    "name": "Financial Institution Cheque Replacement"
   },
   {
    "additionalInfo": "When you send an RTGS",
    "currency": "AUD",
    "discounts": [],
    "feeMethodUType": "fixedAmount",
    "feeType": "WITHDRAWAL",
    "fixedAmount": {
     "amount": "30.00"
    },
    "name": "Real Time Gross Settlements (RTGS)"
   },
   {
    "additionalInfo": " $60/hour (min $10/copy)",
    "currency": "AUD",
    "discounts": [],
    "feeMethodUType": "variable",
    "feeType": "ENQUIRY",
    "name": "Document and Miscellaneous Service",
    "variable": {}
   }
  ],
  "isTailored": false,
  "lastUpdated": "2026-09-28T00:00:00+10:00",
  "lendingRates": [],
  "name": "Term Deposit",
  "productCategory": "TERM_DEPOSITS",
  "productId": "TD_termdeposit"
 }
}