{
 "snapshot_at": "2026-10-02T09:51:00Z",
 "brand": "Southern Cross Credit Union",
 "brand_slug": "southern-cross-credit-union",
 "product_id": "BUSINESS_TERM_DEPOSIT",
 "cdr_url": "https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://cdr.sccu.com.au/openbanking/cds-au/v1/banking/products/BUSINESS_TERM_DEPOSIT'",
 "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": {
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.0115",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "maximumValue": "2000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "1",
      "maximumValue": "1",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P1M",
    "additionalInfo": "Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry",
    "additionalInfoUri": "https://www.sccu.com.au/Business-Savings-and-Deposit-Accounts-Interest-Rate-Schedule"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0115",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "maximumValue": "2000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "2",
      "maximumValue": "2",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P2M",
    "additionalInfo": "Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry",
    "additionalInfoUri": "https://www.sccu.com.au/Business-Savings-and-Deposit-Accounts-Interest-Rate-Schedule"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.05",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "maximumValue": "2000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "3",
      "maximumValue": "3",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P3M",
    "additionalInfo": "Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry",
    "additionalInfoUri": "https://www.sccu.com.au/Business-Savings-and-Deposit-Accounts-Interest-Rate-Schedule"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.045",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "maximumValue": "2000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "4",
      "maximumValue": "4",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P4M",
    "additionalInfo": "Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry",
    "additionalInfoUri": "https://www.sccu.com.au/Business-Savings-and-Deposit-Accounts-Interest-Rate-Schedule"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0405",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "maximumValue": "2000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "5",
      "maximumValue": "5",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P5M",
    "additionalInfo": "Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry",
    "additionalInfoUri": "https://www.sccu.com.au/Business-Savings-and-Deposit-Accounts-Interest-Rate-Schedule"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.052",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "maximumValue": "2000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "6",
      "maximumValue": "6",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P6M",
    "additionalInfo": "Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry",
    "additionalInfoUri": "https://www.sccu.com.au/Business-Savings-and-Deposit-Accounts-Interest-Rate-Schedule"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.052",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "maximumValue": "2000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "6",
      "maximumValue": "6",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P6M",
    "additionalInfo": "Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry",
    "additionalInfoUri": "https://www.sccu.com.au/Business-Savings-and-Deposit-Accounts-Interest-Rate-Schedule"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.05",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "maximumValue": "2000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "7",
      "maximumValue": "7",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P7M",
    "additionalInfo": "Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry",
    "additionalInfoUri": "https://www.sccu.com.au/Business-Savings-and-Deposit-Accounts-Interest-Rate-Schedule"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.05",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "maximumValue": "2000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "7",
      "maximumValue": "7",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P7M",
    "additionalInfo": "Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry",
    "additionalInfoUri": "https://www.sccu.com.au/Business-Savings-and-Deposit-Accounts-Interest-Rate-Schedule"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.038",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "maximumValue": "2000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "8",
      "maximumValue": "8",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P8M",
    "additionalInfo": "Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry",
    "additionalInfoUri": "https://www.sccu.com.au/Business-Savings-and-Deposit-Accounts-Interest-Rate-Schedule"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.038",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "maximumValue": "2000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "8",
      "maximumValue": "8",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P8M",
    "additionalInfo": "Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry",
    "additionalInfoUri": "https://www.sccu.com.au/Business-Savings-and-Deposit-Accounts-Interest-Rate-Schedule"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.053",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "maximumValue": "2000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "9",
      "maximumValue": "9",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P9M",
    "additionalInfo": "Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry",
    "additionalInfoUri": "https://www.sccu.com.au/Business-Savings-and-Deposit-Accounts-Interest-Rate-Schedule"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.053",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "maximumValue": "2000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "9",
      "maximumValue": "9",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P9M",
    "additionalInfo": "Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry",
    "additionalInfoUri": "https://www.sccu.com.au/Business-Savings-and-Deposit-Accounts-Interest-Rate-Schedule"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.038",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "maximumValue": "2000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "10",
      "maximumValue": "10",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P10M",
    "additionalInfo": "Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry",
    "additionalInfoUri": "https://www.sccu.com.au/Business-Savings-and-Deposit-Accounts-Interest-Rate-Schedule"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.038",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "maximumValue": "2000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "10",
      "maximumValue": "10",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P10M",
    "additionalInfo": "Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry",
    "additionalInfoUri": "https://www.sccu.com.au/Business-Savings-and-Deposit-Accounts-Interest-Rate-Schedule"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.051",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "maximumValue": "2000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "11",
      "maximumValue": "11",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P11M",
    "additionalInfo": "Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry",
    "additionalInfoUri": "https://www.sccu.com.au/Business-Savings-and-Deposit-Accounts-Interest-Rate-Schedule"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.051",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "maximumValue": "2000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "11",
      "maximumValue": "11",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P11M",
    "additionalInfo": "Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry",
    "additionalInfoUri": "https://www.sccu.com.au/Business-Savings-and-Deposit-Accounts-Interest-Rate-Schedule"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.053",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "maximumValue": "2000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "maximumValue": "12",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P12M",
    "additionalInfo": "Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry",
    "additionalInfoUri": "https://www.sccu.com.au/Business-Savings-and-Deposit-Accounts-Interest-Rate-Schedule"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.053",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "maximumValue": "2000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "maximumValue": "12",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P12M",
    "additionalInfo": "Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry",
    "additionalInfoUri": "https://www.sccu.com.au/Business-Savings-and-Deposit-Accounts-Interest-Rate-Schedule"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.035",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P12M",
    "tiers": [
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "maximumValue": "2000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "18",
      "maximumValue": "18",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P18M",
    "additionalInfo": "Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry",
    "additionalInfoUri": "https://www.sccu.com.au/Business-Savings-and-Deposit-Accounts-Interest-Rate-Schedule"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.047",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P12M",
    "tiers": [
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "DOLLAR",
      "minimumValue": "5000.00",
      "maximumValue": "2000000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "name": "BUSINESS TERM DEPOSIT_Tier",
      "unitOfMeasure": "MONTH",
      "minimumValue": "24",
      "maximumValue": "24",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "additionalValue": "P24M",
    "additionalInfo": "Interest recast at 0.10% if deposit partially or fully redeemed prior to expiry",
    "additionalInfoUri": "https://www.sccu.com.au/Business-Savings-and-Deposit-Accounts-Interest-Rate-Schedule"
   }
  ],
  "productCategory": "TERM_DEPOSITS",
  "productId": "BUSINESS_TERM_DEPOSIT",
  "lastUpdated": "2026-09-22T09:13:57.000+10:00",
  "name": "BUSINESS TERM DEPOSIT",
  "description": "Business Term Deposit",
  "brand": "S",
  "brandName": "SCCU",
  "isTailored": false,
  "additionalInformation": {
   "overviewUri": "https://www.sccu.com.au/business-banking/business-term-deposit/",
   "termsUri": "https://www.sccu.com.au/product-disclosures/",
   "eligibilityUri": "https://www.sccu.com.au/Business-Term-Deposit-TMD",
   "feesAndPricingUri": "https://www.sccu.com.au/Schedule-of-Fees-and-Charges"
  }
 }
}