{
 "snapshot_at": "2026-10-02T09:51:05Z",
 "brand": "The Capricornian",
 "brand_slug": "the-capricornian",
 "product_id": "4ecba156-6b32-420b-8946-3f32b7a0504f",
 "cdr_url": "https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/4ecba156-6b32-420b-8946-3f32b7a0504f",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://public.cdr.onlinebanking.capricornian.com.au/cds-au/v1/banking/products/4ecba156-6b32-420b-8946-3f32b7a0504f'",
 "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": {
  "brand": "THE CAPRICORNIAN",
  "description": "Have peace of mind in your investment with a term deposit from The Capricornian our term deposits can be invested in a 3, 6, 12 or 24-month terms.",
  "isTailored": false,
  "lastUpdated": "2026-10-02T02:31:03.752887Z",
  "name": "Term Deposit",
  "productCategory": "TERM_DEPOSITS",
  "productId": "4ecba156-6b32-420b-8946-3f32b7a0504f",
  "additionalInformation": {
   "overviewUri": "https://www.capricornian.com.au/banking/term-deposits/",
   "termsUri": "https://www.capricornian.com.au/about-us/product-rate-fee-disclosures/",
   "eligibilityUri": "https://www.capricornian.com.au/banking/term-deposits/",
   "feesAndPricingUri": "https://www.capricornian.com.au/about-us/product-rate-fee-disclosures/",
   "bundleUri": null,
   "additionalOverviewUris": null,
   "additionalTermsUris": null,
   "additionalEligibilityUris": null,
   "additionalFeesAndPricingUris": null,
   "additionalBundleUris": null
  },
  "applicationUri": null,
  "brandName": "THE CAPRICORNIAN",
  "brandGroup": null,
  "cardArt": [],
  "effectiveFrom": "2023-06-30T14:00:00Z",
  "effectiveTo": null,
  "bundles": [],
  "constraints": [
   {
    "constraintType": "MAX_BALANCE",
    "additionalInfo": "Term deposit amounts over $250,000 by negotiation only",
    "additionalInfoUri": null,
    "additionalValue": "250000.00"
   },
   {
    "constraintType": "MIN_BALANCE",
    "additionalInfo": null,
    "additionalInfoUri": null,
    "additionalValue": "5000.00"
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.049",
    "additionalInfo": "Monthly interest option will incur a 0.20% reduction of interest paid at maturity rates",
    "additionalInfoUri": "https://www.capricornian.com.au/banking/term-deposits/",
    "additionalValue": "P24M",
    "applicationFrequency": null,
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": "24",
      "name": "24 Month Term Deposit (Monthly)",
      "unitOfMeasure": "MONTH",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": [],
      "maximumValue": "24",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "minimumValue": "5000.00",
      "name": "24 Month Term Deposit (Monthly)",
      "unitOfMeasure": "DOLLAR",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": [],
      "maximumValue": "250000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "MATURITY",
    "applicabilityConditions": []
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.041",
    "additionalInfo": "Monthly interest option will incur a 0.20% reduction of interest paid at maturity rates",
    "additionalInfoUri": "https://www.capricornian.com.au/banking/term-deposits/",
    "additionalValue": "P3M",
    "applicationFrequency": null,
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": "5000.00",
      "name": "3 Month Term Deposit",
      "unitOfMeasure": "DOLLAR",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": [],
      "maximumValue": "250000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "minimumValue": "3",
      "name": "3 Month Term Deposit",
      "unitOfMeasure": "MONTH",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": [],
      "maximumValue": "3",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "MATURITY",
    "applicabilityConditions": []
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0465",
    "additionalInfo": "Monthly interest option will incur a 0.20% reduction of interest paid at maturity rates",
    "additionalInfoUri": "https://www.capricornian.com.au/banking/term-deposits/",
    "additionalValue": "P6M",
    "applicationFrequency": null,
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": "6",
      "name": "6 Month Term Deposit (Monthly)",
      "unitOfMeasure": "MONTH",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": [],
      "maximumValue": "6",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "minimumValue": "5000.00",
      "name": "6 Month Term Deposit (Monthly)",
      "unitOfMeasure": "DOLLAR",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": [],
      "maximumValue": "250000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "MATURITY",
    "applicabilityConditions": []
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0485",
    "additionalInfo": "Monthly interest option will incur a 0.20% reduction of interest paid at maturity rates",
    "additionalInfoUri": "https://www.capricornian.com.au/banking/term-deposits/",
    "additionalValue": "P6M",
    "applicationFrequency": null,
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": "5000.00",
      "name": "6 Month Term Deposit",
      "unitOfMeasure": "DOLLAR",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": [],
      "maximumValue": "250000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "minimumValue": "6",
      "name": "6 Month Term Deposit",
      "unitOfMeasure": "MONTH",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": [],
      "maximumValue": "6",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "MATURITY",
    "applicabilityConditions": []
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.051",
    "additionalInfo": "Monthly interest option will incur a 0.20% reduction of interest paid at maturity rates.",
    "additionalInfoUri": "https://www.capricornian.com.au/banking/term-deposits/",
    "additionalValue": "P24M",
    "applicationFrequency": null,
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": "24",
      "name": "24 Month Term Deposit",
      "unitOfMeasure": "MONTH",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": [],
      "maximumValue": "24",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "minimumValue": "5000.00",
      "name": "24 Month Term Deposit",
      "unitOfMeasure": "DOLLAR",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": [],
      "maximumValue": "250000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "MATURITY",
    "applicabilityConditions": []
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.049",
    "additionalInfo": "Monthly interest option will incur a 0.20% reduction of interest paid at maturity rates",
    "additionalInfoUri": "https://www.capricornian.com.au/banking/term-deposits/",
    "additionalValue": "P12M",
    "applicationFrequency": null,
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": "12",
      "name": "12 Month Term Deposit (Monthly)",
      "unitOfMeasure": "MONTH",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": [],
      "maximumValue": "12",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "minimumValue": "5000.00",
      "name": "12 Month Term Deposit (Monthly)",
      "unitOfMeasure": "DOLLAR",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": [],
      "maximumValue": "250000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "MATURITY",
    "applicabilityConditions": []
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.039",
    "additionalInfo": "Monthly interest option will incur a 0.20% reduction of interest paid at maturity rates.",
    "additionalInfoUri": "https://www.capricornian.com.au/banking/term-deposits/",
    "additionalValue": "P3M",
    "applicationFrequency": null,
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": "5000.00",
      "name": "3 Month Term Deposit",
      "unitOfMeasure": "DOLLAR",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": [],
      "maximumValue": "250000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "minimumValue": "3",
      "name": "3 Month Term Deposit",
      "unitOfMeasure": "MONTH",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": [],
      "maximumValue": "3",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "MATURITY",
    "applicabilityConditions": []
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.051",
    "additionalInfo": "Monthly interest option will incur a 0.20% reduction of interest paid at maturity rates",
    "additionalInfoUri": "https://www.capricornian.com.au/banking/term-deposits/",
    "additionalValue": "P12M",
    "applicationFrequency": null,
    "calculationFrequency": "P1D",
    "tiers": [
     {
      "minimumValue": "12",
      "name": "12 Month Term Deposit",
      "unitOfMeasure": "MONTH",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": [],
      "maximumValue": "12",
      "rateApplicationMethod": "WHOLE_BALANCE"
     },
     {
      "minimumValue": "5000.00",
      "name": "12 Month Term Deposit",
      "unitOfMeasure": "DOLLAR",
      "additionalInfo": null,
      "additionalInfoUri": null,
      "applicabilityConditions": [],
      "maximumValue": "250000.00",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicationType": "MATURITY",
    "applicabilityConditions": []
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "RESIDENCY_STATUS",
    "additionalInfo": null,
    "additionalInfoUri": null,
    "additionalValue": "Individuals must be citizens or permanent residents of Australia"
   },
   {
    "eligibilityType": "OTHER",
    "additionalInfo": "Available to individuals, companies and trust for personal or business use.",
    "additionalInfoUri": null,
    "additionalValue": null
   },
   {
    "eligibilityType": "OTHER",
    "additionalInfo": "Is currently, or wishes to become, a shareholding member of The Capricornian Ltd.",
    "additionalInfoUri": null,
    "additionalValue": null
   }
  ],
  "features": [],
  "fees": [
   {
    "feeType": "WITHDRAWAL",
    "name": "Early Redemption Penalty",
    "additionalInfo": "The penalty applied to an early redemption of a Fixed Term Deposit is 30 Days interest on the redeeming portion of the deposit.",
    "additionalInfoUri": null,
    "additionalValue": null,
    "currency": "AUD",
    "discounts": [],
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "0.00"
    },
    "rateBased": null,
    "variable": null,
    "feeCap": null,
    "feeCapPeriod": null
   }
  ],
  "lendingRates": [],
  "instalments": null
 }
}