{
 "snapshot_at": "2026-10-02T09:50:42Z",
 "brand": "Northern Inland Credit Union Limited",
 "brand_slug": "northern-inland-credit-union-limited",
 "product_id": "NICUI11_YS",
 "cdr_url": "https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUI11_YS",
 "x_v": 6,
 "how_to_fetch": "curl -H 'x-v: 6' 'https://secure.nicu.com.au/OpenBanking/cds-au/v1/banking/products/NICUI11_YS'",
 "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": "Deposits to this account are covered under the Australian Financial Claims Scheme up to $250,000 in total balances for each account holder at Northern Inland Credit Union"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "If you withdraw funds prior to maturity, interest is recalculated at the On Call Savings Account rate, except on hardship grounds at our discretion",
    "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/305/pfs_ftd.pdf.aspx"
   },
   {
    "featureType": "NOTIFICATIONS",
    "additionalValue": "Maturity Reminders",
    "additionalInfo": "We'll send you a term deposit maturity advice so that you can inform us how you would like to reinvest it if you haven't already given us instructions."
   },
   {
    "featureType": "NOTIFICATIONS",
    "additionalValue": "Alerts",
    "additionalInfo": "Receive notifications of maturity via SMS or email",
    "additionalInfoUri": "https://nicu.com.au/help-support/alerts"
   }
  ],
  "constraints": [
   {
    "constraintType": "MIN_BALANCE",
    "additionalValue": "1000.00"
   },
   {
    "constraintType": "MAX_BALANCE",
    "additionalValue": "249999.99",
    "additionalInfo": "For amounts greater than $249,999.99 please contact any Northern Inland Credit Union branch for the latest interest rates"
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "RESIDENCY_STATUS",
    "additionalValue": "AU",
    "additionalInfo": "Individuals must be citizens or permanent residents of Australia."
   },
   {
    "eligibilityType": "MAX_AGE",
    "additionalValue": "19",
    "additionalInfo": "Maximum age 19 years"
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.049",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "12 MONTHS Term Deposit with interest paid at maturity/annually_Tier_1",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "maximumValue": "4999.99",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "12 MONTHS Term Deposit with interest paid at maturity/annually_Tier_1",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "maximumValue": "12",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P12M",
    "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/305/pfs_InterestRatesSavings.pdf.aspx"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.049",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "12 MONTHS Term Deposit with interest paid at maturity/annually_Tier_2",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "maximumValue": "4999.99",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "12 MONTHS Term Deposit with interest paid at maturity/annually_Tier_2",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "maximumValue": "12",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P12M",
    "additionalInfoUri": "https://www.nicu.com.au/ArticleDocuments/305/pfs_InterestRatesSavings.pdf.aspx"
   }
  ],
  "productId": "NICUI11_YS",
  "lastUpdated": "2026-04-22T15:00:10.000+10:00",
  "productCategory": "TERM_DEPOSITS",
  "name": "12 MONTHS Term Deposit with interest paid at maturity/annually",
  "description": "For those aged up to 19yrs, take advantage of great returns on our term deposits from $1000, with interest paid at maturity/annually",
  "brand": "NORTHERN INLAND CREDIT UNION LTD.",
  "brandName": "NORTHERN INLAND CREDIT UNION LTD.",
  "applicationUri": "https://www.nicu.com.au/banking/banking-enquiry",
  "isTailored": false,
  "additionalInformation": {
   "overviewUri": "https://www.nicu.com.au/banking/investments-term-deposits/term-deposits",
   "termsUri": "https://www.nicu.com.au/ArticleDocuments/305/pfs_ftd.pdf.aspx",
   "eligibilityUri": "https://www.nicu.com.au/ArticleDocuments/305/pfs_ftd.pdf.aspx",
   "feesAndPricingUri": "https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx"
  }
 }
}