{
 "snapshot_at": "2026-10-02T09:50:54Z",
 "brand": "Qudos Bank",
 "brand_slug": "qudos-bank",
 "product_id": "f435abef-eaed-4d9f-a535-5c2925645472",
 "cdr_url": "https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products/f435abef-eaed-4d9f-a535-5c2925645472",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr.qudosbank.com.au/cds-au/v1/banking/products/f435abef-eaed-4d9f-a535-5c2925645472'",
 "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.qudosbank.com.au/products/savings-accounts/term-deposit",
   "feesAndPricingUri": "https://www.qudosbank.com.au/products/savings-accounts/term-deposit",
   "overviewUri": "https://www.qudosbank.com.au/products/savings-accounts/term-deposit",
   "termsUri": "https://www.qudosbank.com.au/support/legal/new-to-bank-terms-and-conditions"
  },
  "applicationUri": "https://www.qudosbank.com.au/products/savings-accounts/term-deposit",
  "brand": "Qudos Bank",
  "description": "Choose from some of our most popular interest rates below, or call our team to discuss term deposit options up to 36 months. Once you have selected your term, your funds are invested for the time you have chosen.",
  "effectiveFrom": "2001-07-02T14:30:00.000Z",
  "isTailored": false,
  "lastUpdated": "2026-09-21T22:00:26.783Z",
  "name": "Term Deposits",
  "productCategory": "TERM_DEPOSITS",
  "productId": "f435abef-eaed-4d9f-a535-5c2925645472",
  "constraints": [
   {
    "additionalInfo": "The minimum term deposit for standard term deposit products except for 3 month terms.\n",
    "additionalValue": "5000.00",
    "constraintType": "MIN_BALANCE"
   },
   {
    "additionalValue": "2000.00",
    "constraintType": "MIN_BALANCE",
    "additionalInfo": "The minimum balance for 3 month standard term deposit product only"
   },
   {
    "constraintType": "MIN_BALANCE",
    "additionalInfo": "The minimum balance for special term deposits products only",
    "additionalValue": "10000.00"
   }
  ],
  "fees": [
   {
    "additionalValue": "P1Y",
    "fixedAmount": {
     "amount": "0.00"
    },
    "feeMethodUType": "fixedAmount",
    "name": "Account Keeping Fee",
    "feeType": "PERIODIC"
   },
   {
    "name": "Early Withdrawal Fee (FTD)",
    "rateBased": {
     "rate": "0.02",
     "rateType": "TRANSACTION"
    },
    "feeType": "WITHDRAWAL",
    "feeMethodUType": "rateBased",
    "additionalInfo": "You may withdraw the balance of your term deposit early by giving us 31 days notice. However if you do, we will reduce the interest on the term deposit from the date it was opened until the date of withdrawal by 2% per annum, or the term deposit rate ifit is less an 2%. We have the discretion to delay the withdrawal or transfer until the end of the notice period (but not beyond the maturity date)."
   }
  ],
  "eligibility": [
   {
    "additionalInfo": "This product is only available to members who have a residential address in Australia.\r\n",
    "additionalValue": "Australian Resident",
    "eligibilityType": "RESIDENCY_STATUS"
   }
  ],
  "depositRates": [
   {
    "applicationFrequency": "P3M",
    "additionalInfo": "Interest paid at Maturity. Interest rates expressed as annual percentage rates. The interest rates shown are for an amount of $500 to $3,000,000 for personal customers. For commercial customers the interest rates shown are for an amount of $500 to $1,000,000.",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "additionalValue": "P3M",
    "rate": "0.051",
    "depositRateType": "FIXED",
    "tiers": [
     {
      "name": "3 Months Interest Paid At Maturity",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "500.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "3 Months Interest Paid At Maturity",
      "unitOfMeasure": "MONTH",
      "minimumValue": "3",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ]
   },
   {
    "additionalInfo": "Interest Paid At Maturity. Interest rates expressed as annual percentage rates. The interest rates shown are for an amount of $500 to $3,000,000 for personal customers. For commercial customers the interest rates shown are for an amount of $500 to $1,000,000.",
    "applicationType": "MATURITY",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "unitOfMeasure": "DOLLAR",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "minimumValue": "500.00",
      "name": "6 Months Interest Paid At Maturity"
     },
     {
      "unitOfMeasure": "MONTH",
      "name": "6 Months Interest Paid At Maturity",
      "minimumValue": "6",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "depositRateType": "FIXED",
    "additionalValue": "P6M",
    "rate": "0.053",
    "applicationFrequency": "P6M"
   },
   {
    "additionalInfo": "6 Months Interest Paid Monthly.  Interest rates expressed as annual percentage rates. The interest rates shown are for an amount of $500 to $3,000,000 for personal customers. For commercial customers the interest rates shown are for an amount of $500 to $1,000,000.",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "applicationType": "PERIODIC",
    "tiers": [
     {
      "name": "6 Months Interest Paid Monthly",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "500.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "minimumValue": "6",
      "name": "6 Months Interest Paid Monthly",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ],
    "rate": "0.052",
    "applicationFrequency": "P1M",
    "additionalValue": "P6M"
   },
   {
    "additionalInfo": "9 Months Interest Paid At Maturity.  Interest rates expressed as annual percentage rates. The interest rates shown are for an amount of $500 to $3,000,000 for personal customers. For commercial customers the interest rates shown are for an amount of $500 to $1,000,000.",
    "applicationType": "MATURITY",
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "rateApplicationMethod": "WHOLE_BALANCE",
      "name": "9 Months Interest Paid At Maturity",
      "minimumValue": "500.00",
      "unitOfMeasure": "DOLLAR"
     },
     {
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH",
      "name": "9 Months Interest Paid At Maturity",
      "minimumValue": "9"
     }
    ],
    "rate": "0.053",
    "applicationFrequency": "P9M",
    "depositRateType": "FIXED",
    "additionalValue": "P9M"
   },
   {
    "additionalInfo": "12 Months Interest Paid At Maturity.  Interest rates expressed as annual percentage rates. The interest rates shown are for an amount of $500 to $3,000,000 for personal customers. For commercial customers the interest rates shown are for an amount of $500 to $1,000,000.",
    "applicationType": "MATURITY",
    "applicationFrequency": "P1Y",
    "tiers": [
     {
      "unitOfMeasure": "DOLLAR",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "name": "12 Months Interest Paid At Maturity",
      "minimumValue": "500.00"
     },
     {
      "unitOfMeasure": "MONTH",
      "name": "12 Months Interest Paid At Maturity",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "minimumValue": "12"
     }
    ],
    "rate": "0.055",
    "calculationFrequency": "P1D",
    "additionalValue": "P1Y",
    "depositRateType": "FIXED"
   },
   {
    "additionalValue": "P1Y",
    "applicationType": "PERIODIC",
    "depositRateType": "FIXED",
    "additionalInfo": "12 Months Interest Paid Monthly.  Interest rates expressed as annual percentage rates. The interest rates shown are for an amount of $500 to $3,000,000 for personal customers. For commercial customers the interest rates shown are for an amount of $500 to $1,000,000.",
    "calculationFrequency": "P1D",
    "applicationFrequency": "P1M",
    "rate": "0.054",
    "tiers": [
     {
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "500.00",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "name": "12 Months Interest Paid Monthly"
     },
     {
      "name": "12 Months Interest Paid Monthly",
      "minimumValue": "12",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH"
     }
    ]
   },
   {
    "additionalInfo": "24 Months Interest Paid Monthly.  Interest rates expressed as annual percentage rates. The interest rates shown are for an amount of $500 to $3,000,000 for personal customers. For commercial customers the interest rates shown are for an amount of $500 to $1,000,000.",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "applicationType": "PERIODIC",
    "rate": "0.053",
    "additionalValue": "P2Y",
    "tiers": [
     {
      "minimumValue": "500.00",
      "unitOfMeasure": "DOLLAR",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "name": "24 Months Interest Paid Monthly"
     },
     {
      "unitOfMeasure": "MONTH",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "name": "24 Months Interest Paid Monthly",
      "minimumValue": "24"
     }
    ],
    "applicationFrequency": "P1M"
   },
   {
    "calculationFrequency": "P1D",
    "additionalInfo": "24 Months Interest Paid Annually.  Interest rates expressed as annual percentage rates. The interest rates shown are for an amount of $500 to $3,000,000 for personal customers. For commercial customers the interest rates shown are for an amount of $500 to $1,000,000.",
    "applicationType": "PERIODIC",
    "rate": "0.054",
    "tiers": [
     {
      "unitOfMeasure": "DOLLAR",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "name": "24 Months Interest Paid Annually",
      "minimumValue": "500.00"
     },
     {
      "unitOfMeasure": "MONTH",
      "name": "24 Months Interest Paid Annually",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "minimumValue": "24"
     }
    ],
    "additionalValue": "P2Y",
    "applicationFrequency": "P1Y",
    "depositRateType": "FIXED"
   },
   {
    "tiers": [
     {
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "500.00",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "name": "36 Months Interest Paid Monthly"
     },
     {
      "minimumValue": "36",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "name": "36 Months Interest Paid Monthly",
      "unitOfMeasure": "MONTH"
     }
    ],
    "additionalInfo": "36 Months Interest Paid Monthly.  Interest rates expressed as annual percentage rates. The interest rates shown are for an amount of $500 to $3,000,000 for personal customers. For commercial customers the interest rates shown are for an amount of $500 to $1,000,000.",
    "applicationType": "PERIODIC",
    "additionalValue": "P3Y",
    "calculationFrequency": "P1D",
    "rate": "0.053",
    "applicationFrequency": "P1M",
    "depositRateType": "FIXED"
   },
   {
    "applicationFrequency": "P1Y",
    "tiers": [
     {
      "name": "36 Months Interest Paid Annually",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "500.00"
     },
     {
      "name": "36 Months Interest Paid Annually",
      "rateApplicationMethod": "WHOLE_BALANCE",
      "unitOfMeasure": "MONTH",
      "minimumValue": "36"
     }
    ],
    "applicationType": "PERIODIC",
    "calculationFrequency": "P1D",
    "depositRateType": "FIXED",
    "rate": "0.054",
    "additionalInfo": "36 Months Interest Paid Annually.  Interest rates expressed as annual percentage rates. The interest rates shown are for an amount of $500 to $3,000,000 for personal customers. For commercial customers the interest rates shown are for an amount of $500 to $1,000,000.",
    "additionalValue": "P3Y"
   }
  ],
  "features": [
   {
    "featureType": "DIGITAL_BANKING",
    "additionalInfo": "Our secure Online Banking & Mobile App services mean access to your accounts 24 hours a day, seven days a week. \r\n",
    "additionalInfoUri": "https://www.qudosbank.com.au/about-us/ways-to-bank/digital-banking"
   },
   {
    "additionalValue": "Term Deposit certificates issued at opening and renewal dates. Maturity letters issued one month prior to maturity date with avaliable options.",
    "featureType": "NOTIFICATIONS"
   }
  ]
 }
}