{
 "snapshot_at": "2026-10-02T09:50:46Z",
 "brand": "People First and Heritage Bank",
 "brand_slug": "people-first-and-heritage-bank",
 "product_id": "8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
 "cdr_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/8f46d7ad-ed48-49a5-a13f-783d3f1102a5'",
 "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": {
  "productId": "8f46d7ad-ed48-49a5-a13f-783d3f1102a5",
  "lastUpdated": "2026-09-22T14:00:28.42Z",
  "productCategory": "TERM_DEPOSITS",
  "name": "Term Deposit",
  "description": "Let us help you reach your investment goals sooner with a high interest term deposit.",
  "brand": "HERITAGE",
  "brandName": "Heritage",
  "isTailored": false,
  "additionalInformation": {
   "overviewUri": "https://www.heritage.com.au/banking/investment/term-deposits",
   "termsUri": "https://www.heritage.com.au/inbound/brochures/guide-to-deposit-products",
   "eligibilityUri": "https://www.heritage.com.au/inbound/brochures/guide-to-deposit-products",
   "feesAndPricingUri": "https://www.heritage.com.au/inbound/brochures/fees-and-limits-guide"
  },
  "updatedReason": " ",
  "features": [
   {
    "featureType": "OTHER",
    "additionalInfo": "Government Deposit Guarantee",
    "additionalInfoUri": "https://www.heritage.com.au/banking/investment/~/link.aspx?_id=C125E14181C04F2B91B3BB759DB8585A&_z=z"
   },
   {
    "featureType": "DIGITAL_BANKING",
    "additionalValue": "Internet, Mobile and Phone banking available"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "SMS Services"
   },
   {
    "featureType": "LOYALTY_PROGRAM",
    "additionalValue": "Heritage Credits is Heritage's loyalty program"
   },
   {
    "featureType": "OTHER",
    "additionalValue": "Early Withdrawal",
    "additionalInfo": "If you need to withdraw your Term Deposit before it matures you may need to give us 31 days notice."
   }
  ],
  "constraints": [
   {
    "constraintType": "OPENING_BALANCE",
    "additionalValue": "1000.00"
   },
   {
    "constraintType": "MIN_BALANCE",
    "additionalValue": "1000.00"
   }
  ],
  "depositRates": [
   {
    "rate": "0.0225",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P1M",
    "additionalValue": "P1M",
    "additionalInfo": "A reduced rate of interest will be paid for early maturity.",
    "additionalInfoUri": "https://www.heritage.com.au/banking/investment/term-deposits",
    "tiers": [
     {
      "name": "$1,000 or more ",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.03",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P2M",
    "additionalValue": "P2M",
    "additionalInfo": "A reduced rate of interest will be paid for early maturity.",
    "additionalInfoUri": "https://www.heritage.com.au/banking/investment/term-deposits",
    "tiers": [
     {
      "name": "$1,000 or more",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.04",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P3M",
    "additionalValue": "P3M",
    "additionalInfo": "A reduced rate of interest will be paid for early maturity.",
    "additionalInfoUri": "https://www.heritage.com.au/banking/investment/term-deposits",
    "tiers": [
     {
      "name": "$1,000 or more ",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0485",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P4M",
    "additionalValue": "P4M",
    "additionalInfo": "A reduced rate of interest will be paid for early maturity.",
    "additionalInfoUri": "https://www.heritage.com.au/banking/investment/term-deposits",
    "tiers": [
     {
      "name": "$1,000 or more ",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.04",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P5M",
    "additionalValue": "P5M",
    "additionalInfo": "A reduced rate of interest will be paid for early maturity.",
    "additionalInfoUri": "https://www.heritage.com.au/banking/investment/term-deposits",
    "tiers": [
     {
      "name": "$1,000 or more ",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.05",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P6M",
    "additionalValue": "P6M",
    "additionalInfo": "A reduced rate of interest will be paid for early maturity.",
    "additionalInfoUri": "https://www.heritage.com.au/banking/investment/term-deposits",
    "tiers": [
     {
      "name": "$1,000 or more ",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0545",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P7M",
    "additionalValue": "P7M",
    "additionalInfo": "A reduced rate of interest will be paid for early maturity.",
    "additionalInfoUri": "https://www.heritage.com.au/banking/investment/term-deposits",
    "tiers": [
     {
      "name": "$1,000 or more ",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.045",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P8M",
    "additionalValue": "P8M",
    "additionalInfo": "A reduced rate of interest will be paid for early maturity.",
    "additionalInfoUri": "https://www.heritage.com.au/banking/investment/term-deposits",
    "tiers": [
     {
      "name": "$1,000 or more ",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.051",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P9M",
    "additionalValue": "P9M",
    "additionalInfo": "A reduced rate of interest will be paid for early maturity.",
    "additionalInfoUri": "https://www.heritage.com.au/banking/investment/term-deposits",
    "tiers": [
     {
      "name": "$1,000 or more ",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.045",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P10M",
    "additionalValue": "P10M",
    "additionalInfo": "A reduced rate of interest will be paid for early maturity.",
    "additionalInfoUri": "https://www.heritage.com.au/banking/investment/term-deposits",
    "tiers": [
     {
      "name": "$1,000 or more",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.045",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P11M",
    "additionalValue": "P11M",
    "additionalInfo": "A reduced rate of interest will be paid for early maturity.",
    "additionalInfoUri": "https://www.heritage.com.au/banking/investment/term-deposits",
    "tiers": [
     {
      "name": "$1,000 or more",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.052",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "applicationFrequency": "P1Y",
    "additionalValue": "P1Y",
    "additionalInfo": "A reduced rate of interest will be paid for early maturity.",
    "additionalInfoUri": "https://www.heritage.com.au/banking/investment/term-deposits",
    "tiers": [
     {
      "name": "$1,000 or more ",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.051",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "additionalValue": "P1Y",
    "additionalInfo": "A reduced rate of interest will be paid for early maturity.",
    "additionalInfoUri": "https://www.heritage.com.au/banking/investment/term-deposits",
    "tiers": [
     {
      "name": "$1,000 or more ",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0525",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1Y",
    "additionalValue": "P2Y",
    "additionalInfo": "A reduced rate of interest will be paid for early maturity.",
    "additionalInfoUri": "https://www.heritage.com.au/banking/investment/term-deposits",
    "tiers": [
     {
      "name": "$1,000 or more ",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0515",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "additionalValue": "P2Y",
    "additionalInfo": "A reduced rate of interest will be paid for early maturity.",
    "additionalInfoUri": "https://www.heritage.com.au/banking/investment/term-deposits",
    "tiers": [
     {
      "name": "$1,000 or more ",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0525",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1Y",
    "additionalValue": "P3Y",
    "additionalInfo": "A reduced rate of interest will be paid for early maturity.",
    "additionalInfoUri": "https://www.heritage.com.au/banking/investment/term-deposits",
    "tiers": [
     {
      "name": "$1,000 or more ",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0515",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "additionalValue": "P3Y",
    "additionalInfo": "A reduced rate of interest will be paid for early maturity.",
    "additionalInfoUri": "https://www.heritage.com.au/banking/investment/term-deposits",
    "tiers": [
     {
      "name": "$1,000 or more",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0525",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1Y",
    "additionalValue": "P4Y",
    "additionalInfo": "A reduced rate of interest will be paid for early maturity.",
    "additionalInfoUri": "https://www.heritage.com.au/banking/investment/term-deposits",
    "tiers": [
     {
      "name": "$1,000 or more",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0515",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "additionalValue": "P4Y",
    "additionalInfo": "A reduced rate of interest will be paid for early maturity.",
    "additionalInfoUri": "https://www.heritage.com.au/banking/investment/term-deposits",
    "tiers": [
     {
      "name": "$1,000 or more",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0525",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1Y",
    "additionalValue": "P5Y",
    "additionalInfo": "A reduced rate of interest will be paid for early maturity.",
    "additionalInfoUri": "https://www.heritage.com.au/banking/investment/term-deposits",
    "tiers": [
     {
      "name": "$1,000 or more",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "depositRateType": "FIXED"
   },
   {
    "rate": "0.0515",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "additionalValue": "P5Y",
    "additionalInfo": "A reduced rate of interest will be paid for early maturity.",
    "additionalInfoUri": "https://www.heritage.com.au/banking/investment/term-deposits",
    "tiers": [
     {
      "name": "$1,000 or more ",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "1000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "depositRateType": "FIXED"
   }
  ]
 }
}