{
 "snapshot_at": "2026-10-02T09:51:11Z",
 "brand": "Westpac",
 "brand_slug": "westpac",
 "product_id": "FarmManagementDepositAccount",
 "cdr_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/FarmManagementDepositAccount",
 "x_v": 7,
 "how_to_fetch": "curl -H 'x-v: 7' 'https://digital-api.westpac.com.au/cds-au/v1/banking/products/FarmManagementDepositAccount'",
 "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": "FarmManagementDepositAccount",
  "lastUpdated": "2026-08-19T08:58:35Z",
  "productCategory": "TERM_DEPOSITS",
  "name": "Farm Management Deposit account",
  "description": "The FMD scheme is a government initiative that helps farmers save money during good years. This money can be used later in tough times to help keep their income.",
  "brand": "Westpac",
  "isTailored": false,
  "additionalInformation": {
   "overviewUri": "https://www.westpac.com.au/business-banking/savings-accounts/agri-farm-management-deposit/",
   "termsUri": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/TermDepositsPDS.pdf",
   "eligibilityUri": "https://www.westpac.com.au/business-banking/savings-accounts/agri-farm-management-deposit/",
   "feesAndPricingUri": "https://www.westpac.com.au/business-banking/savings-accounts/agri-farm-management-deposit/"
  },
  "features": [
   {
    "featureType": "OTHER",
    "additionalInfo": "Cash reserves - Build up cash reserves in the good years to help safeguard your future."
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Regular income - Earn a fixed interest rate over the chosen term. Early withdrawal may reduce returns."
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Tax benefits - Eligible income needs to be deposited for a year to qualify. Exceptions apply."
   },
   {
    "featureType": "EXTRA_REPAYMENTS",
    "additionalInfo": "Subject to Terms and conditions, extra repayments is available for eligible customers"
   },
   {
    "featureType": "RELATIONSHIP_MANAGEMENT",
    "additionalInfo": "Relationship management is available for eligible customers."
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Safe and secure savings"
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Could earn higher interest than a standard savings account."
   },
   {
    "featureType": "OTHER",
    "additionalInfo": "Online, Term Deposits can only be opened with a minimum term of one month, however once matured they can be renewed for terms ranging from 7 days to 5 years: if opened through a staff member, they can be established for terms as short as 7 days."
   }
  ],
  "constraints": [
   {
    "constraintType": "MIN_BALANCE",
    "additionalValue": "1000.00"
   },
   {
    "constraintType": "MAX_BALANCE",
    "additionalValue": "800000.00"
   }
  ],
  "eligibility": [
   {
    "eligibilityType": "MIN_AGE",
    "additionalValue": "18",
    "additionalInfo": "Applicant should be 18 years or over"
   },
   {
    "eligibilityType": "RESIDENCY_STATUS",
    "additionalValue": "Operating in Australia with an Australian address"
   },
   {
    "eligibilityType": "OTHER",
    "additionalInfo": "Individual primary producer earning no more than $100,000 p.a. in non-farm income in the year of the FMD deposit"
   },
   {
    "eligibilityType": "BUSINESS",
    "additionalInfo": "Sole trader, partner in a partnership, or beneficiary of a trust"
   },
   {
    "eligibilityType": "OTHER",
    "additionalInfo": "Most you can have invested across all your FMDs with one or more banks: $800,000"
   },
   {
    "eligibilityType": "OTHER",
    "additionalInfo": "You must comply with the ATO Farm Management Deposits Scheme special legislative requirements."
   }
  ],
  "fees": [
   {
    "name": "Bank cheque",
    "feeType": "TRANSACTION",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "10.00"
    }
   },
   {
    "name": "Bank cheque Online",
    "feeType": "TRANSACTION",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "0.00"
    },
    "additionalInfo": "This includes a customised remittance plus postage and handling"
   },
   {
    "name": "Refunding a Bank cheque no longer required - original presented",
    "feeType": "TRANSACTION",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "0.00"
    },
    "additionalInfo": "Fee charged per cheque for Bank customers"
   },
   {
    "name": "Refunding / Replacing a Bank cheque - original lost, stolen or destroyed",
    "feeType": "TRANSACTION",
    "feeMethodUType": "fixedAmount",
    "fixedAmount": {
     "amount": "0.00"
    },
    "additionalInfo": "Fee charged per cheque for Bank customers"
   }
  ],
  "depositRates": [
   {
    "depositRateType": "FIXED",
    "rate": "0.014",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "1 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "1",
      "maximumValue": "1",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P1M",
    "additionalInfo": "Interest paid at maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0165",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "2 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "2",
      "maximumValue": "2",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P2M",
    "additionalInfo": "Interest paid at maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0325",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "3 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "3",
      "maximumValue": "3",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P3M",
    "additionalInfo": "Interest paid at maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.034",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "4 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "4",
      "maximumValue": "4",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P4M",
    "additionalInfo": "Interest paid at maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0345",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "5 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "5",
      "maximumValue": "5",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P5M",
    "additionalInfo": "Interest paid at maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.034",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "6 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "6",
      "maximumValue": "6",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P6M",
    "additionalInfo": "Interest paid at maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0355",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "7 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "7",
      "maximumValue": "7",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P7M",
    "additionalInfo": "Interest paid at maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.036",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "8 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "8",
      "maximumValue": "8",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P8M",
    "additionalInfo": "Interest paid at maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0365",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "9 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "9",
      "maximumValue": "9",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P9M",
    "additionalInfo": "Interest paid at maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.037",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "10 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "10",
      "maximumValue": "10",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P10M",
    "additionalInfo": "Interest paid at maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0375",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "11 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "11",
      "maximumValue": "11",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P11M",
    "additionalInfo": "Interest paid at maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.014",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "1 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "1",
      "maximumValue": "1",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P1M",
    "additionalInfo": "Interest paid monthly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.016",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "2 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "2",
      "maximumValue": "2",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P2M",
    "additionalInfo": "Interest paid monthly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.032",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "3 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "3",
      "maximumValue": "3",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P3M",
    "additionalInfo": "Interest paid monthly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0335",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "4 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "4",
      "maximumValue": "4",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P4M",
    "additionalInfo": "Interest paid monthly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.034",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "5 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "5",
      "maximumValue": "5",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P5M",
    "additionalInfo": "Interest paid monthly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0335",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "6 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "6",
      "maximumValue": "6",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P6M",
    "additionalInfo": "Interest paid monthly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.035",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "7 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "7",
      "maximumValue": "7",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P7M",
    "additionalInfo": "Interest paid monthly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0355",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "8 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "8",
      "maximumValue": "8",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P8M",
    "additionalInfo": "Interest paid monthly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.036",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "9 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "9",
      "maximumValue": "9",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P9M",
    "additionalInfo": "Interest paid monthly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0365",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "10 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "10",
      "maximumValue": "10",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P10M",
    "additionalInfo": "Interest paid monthly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.037",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "11 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "11",
      "maximumValue": "11",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P11M",
    "additionalInfo": "Interest paid monthly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0475",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "12 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "maximumValue": "12",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P1Y",
    "additionalInfo": "Interest paid at maturity (Annually)"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0475",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "13 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "13",
      "maximumValue": "23",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P23M",
    "additionalInfo": "Interest paid at maturity (Annually)"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.045",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "24 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "24",
      "maximumValue": "35",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P35M",
    "additionalInfo": "Interest paid at maturity (Annually)"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.04",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "36 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "36",
      "maximumValue": "47",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P47M",
    "additionalInfo": "Interest paid at maturity (Annually)"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.04",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "48 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "48",
      "maximumValue": "59",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P59M",
    "additionalInfo": "Interest paid at maturity (Annually)"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.04",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "60 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "60",
      "maximumValue": "60",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P60M",
    "additionalInfo": "Interest paid at maturity (Annually)"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.047",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "12 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "maximumValue": "12",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P12M",
    "additionalInfo": "Interest paid monthly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.047",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "13 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "13",
      "maximumValue": "23",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P23M",
    "additionalInfo": "Interest paid monthly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0445",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "24 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "24",
      "maximumValue": "35",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P35M",
    "additionalInfo": "Interest paid monthly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0395",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "36 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "36",
      "maximumValue": "47",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P47M",
    "additionalInfo": "Interest paid monthly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0395",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "48 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "48",
      "maximumValue": "59",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P59M",
    "additionalInfo": "Interest paid monthly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0395",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P1M",
    "tiers": [
     {
      "name": "60 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "60",
      "maximumValue": "60",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P60M",
    "additionalInfo": "Interest paid monthly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.047",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P6M",
    "tiers": [
     {
      "name": "12 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "maximumValue": "12",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P12M",
    "additionalInfo": "Interest paid half-yearly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.047",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P6M",
    "tiers": [
     {
      "name": "13 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "13",
      "maximumValue": "23",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P23M",
    "additionalInfo": "Interest paid half-yearly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0445",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P6M",
    "tiers": [
     {
      "name": "24 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "24",
      "maximumValue": "35",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P35M",
    "additionalInfo": "Interest paid half-yearly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0395",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P6M",
    "tiers": [
     {
      "name": "36 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "36",
      "maximumValue": "47",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P47M",
    "additionalInfo": "Interest paid half-yearly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0395",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P6M",
    "tiers": [
     {
      "name": "48 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "48",
      "maximumValue": "59",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P59M",
    "additionalInfo": "Interest paid half-yearly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0395",
    "calculationFrequency": "P1D",
    "applicationType": "PERIODIC",
    "applicationFrequency": "P6M",
    "tiers": [
     {
      "name": "60 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "60",
      "maximumValue": "60",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P60M",
    "additionalInfo": "Interest paid half-yearly"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.0475",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "12 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "12",
      "maximumValue": "12",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P12M",
    "additionalInfo": "Interest paid at maturity"
   },
   {
    "depositRateType": "FIXED",
    "rate": "0.045",
    "calculationFrequency": "P1D",
    "applicationType": "MATURITY",
    "tiers": [
     {
      "name": "24 Month",
      "unitOfMeasure": "MONTH",
      "minimumValue": "24",
      "maximumValue": "24",
      "rateApplicationMethod": "WHOLE_BALANCE"
     }
    ],
    "applicabilityConditions": [
     {
      "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
      "additionalValue": "1000.00"
     }
    ],
    "additionalValue": "P24M",
    "additionalInfo": "Interest paid at maturity"
   }
  ]
 }
}