{
 "query": {
  "amount": 100000,
  "term_months": 12,
  "depositor": "personal",
  "interest": "any",
  "restricted_included": [],
  "limit": 10
 },
 "method": "exact_amount",
 "method_note": "Every fixed rate whose balance tier and deposit limits include $100,000 and whose term band includes 12 months, one per bank (its highest; interest at maturity wins a tie), highest first. Each result's matched says, for each input (depositor, amount, term, interest), why it qualifies: basis stated (the bank's feed says so, with its words, range or value), within_band (a range of terms the bank gives includes the one asked for), inferred (worked out from elsewhere, with a note) or default (nothing in the feed excludes it, with a note); quote anything that is not stated. Rates are per annum, before tax, as advertised in each bank's Consumer Data Right feed. interest_estimate.total is the interest over the term, before tax: compounded where the bank's terms say interest paid before maturity is added to the deposit, simple otherwise; method_basis says whether that method is stated by the bank's terms, the depositor's choice, single_payment (all paid at maturity) or assumed (the terms do not say where interest goes: say so); where_paid quotes the bank's terms on where that interest goes, and if_added_to_deposit gives the compounded total where the depositor may choose. who_can_open says who may open each product, in the bank's words (restricted: only its groups may, even when include= ranks it); apply says whether it can be opened with the bank directly or only through membership, an intermediary or an existing relationship. summary gathers the figures to quote and the words that qualify them (estimate_basis, interest_reinvested: yes, optional, no, not_applicable or not_stated, conditions_apply, restricted, apply_directly).",
 "generated_at": "2026-11-13T01:55:06Z",
 "data_as_of": "2026-11-13T01:35:26Z",
 "banks_ranked": 79,
 "banks_excluded_by_amount": 0,
 "banks_excluded_note": "Banks with a rate for this term (and payment frequency, if asked) whose limits do not include the amount.",
 "banks_not_ranked": {
  "restricted": 5
 },
 "not_ranked": [
  {
   "brand_label": "BOQ Specialist",
   "brand_slug": "boq-specialist",
   "reason": "restricted",
   "kinds": [
    "occupation"
   ],
   "note": "Only products for certain groups (occupation); add include=occupation if the reader belongs to them."
  },
  {
   "brand_label": "BankVic",
   "brand_slug": "bankvic",
   "reason": "restricted",
   "kinds": [
    "occupation"
   ],
   "note": "Only products for certain groups (occupation); add include=occupation if the reader belongs to them."
  },
  {
   "brand_label": "Fire Service Credit Union",
   "brand_slug": "fire-service-credit-union",
   "reason": "restricted",
   "kinds": [
    "occupation"
   ],
   "note": "Only products for certain groups (occupation); add include=occupation if the reader belongs to them."
  },
  {
   "brand_label": "RSL Money",
   "brand_slug": "rsl-money",
   "reason": "restricted",
   "kinds": [
    "occupation"
   ],
   "note": "Only products for certain groups (occupation); add include=occupation if the reader belongs to them."
  },
  {
   "brand_label": "Woolworths Team Bank",
   "brand_slug": "woolworths-team-bank",
   "reason": "restricted",
   "kinds": [
    "occupation"
   ],
   "note": "Only products for certain groups (occupation); add include=occupation if the reader belongs to them."
  }
 ],
 "not_ranked_note": "Every bank with a rate for this term and depositor that is not in results, and why: below_minimum (minimum: the lowest deposit it takes), above_maximum (maximum: the highest), between_tiers (the amount falls between its balance tiers; ranges gives them), interest_paid (no rate paid the way asked; offered lists how it pays) or restricted (kinds: only products for groups the reader was not said to belong to, such as an occupation or an age; include=<kinds> ranks them). Banks with no rate for this term or depositor at all are not listed.",
 "feed_note": "feed is last_good when the bank's latest feed read failed and its previous data is shown.",
 "caution": "A rate marked is_special or conditional may not apply after rollover or if a condition is unmet; quote its conditions.",
 "before_answering": "https://deepalmanac.com/au/finance/term-deposits/v1/questions.json",
 "same_bank": [
  {
   "bank": "Bank Australia Limited",
   "abn": "21087651607",
   "confirmed": true,
   "brands": [
    {
     "brand_label": "Bank Australia",
     "brand_slug": "bank-australia",
     "rank": 7,
     "confirmed": true
    },
    {
     "brand_label": "Qudos Bank",
     "brand_slug": "qudos-bank",
     "rank": 9,
     "confirmed": true
    }
   ],
   "note": "Bank Australia (rank 7) and Qudos Bank (rank 9) are one bank, Bank Australia Limited: money at them together is guaranteed only up to $250,000 per account holder, not $250,000 at each."
  }
 ],
 "same_bank_note": "Some results are brands of one bank. The government guarantee (Financial Claims Scheme) covers up to $250,000 per account holder per bank, not per brand: say so when suggesting more than one of them. Brands not listed are separate banks as far as this dataset knows.",
 "results": [
  {
   "rank": 1,
   "brand_label": "Unity Bank",
   "brand_slug": "unity-bank",
   "summary": {
    "rate_pct": 5.8,
    "term_months": 12,
    "interest_paid": "at_maturity",
    "estimated_interest": 5800,
    "estimate_method": "simple",
    "estimate_basis": "single_payment",
    "interest_reinvested": "not_applicable",
    "conditions_apply": false,
    "restricted": false,
    "apply_directly": true
   },
   "product_label": "Term Deposit",
   "product_name": "Term Deposit",
   "rate": 0.058,
   "rate_pct": 5.8,
   "term_months": 12,
   "term_min_months": 12,
   "term_max_months": 12,
   "interest_paid": "at_maturity",
   "matched": {
    "depositor": {
     "basis": "stated",
     "field": "eligibility NATURAL_PERSON",
     "note": "the bank's feed gives the eligibility type NATURAL_PERSON, with no wording"
    },
    "amount": {
     "basis": "stated",
     "range": [
      1000,
      9999999
     ]
    },
    "term": {
     "basis": "stated",
     "value": 12
    },
    "interest": {
     "basis": "stated",
     "value": "at_maturity"
    }
   },
   "interest_estimate": {
    "total": 5800,
    "method": "simple",
    "paid": "at_maturity",
    "payments": 1,
    "method_basis": "single_payment",
    "note": "Paid once, at maturity. Simple interest: amount x rate x months / 12, before tax; the bank's day count can make it differ by a few dollars."
   },
   "is_special": false,
   "conditional": false,
   "conditions": [
    "31 days notice to withdraw early, at the bank's discretion",
    "early withdrawal cuts the interest rate",
    "also open to self-managed super funds (SMSFs): the bank's own words are \"If you have a Self-Managed Super Fund (SMSF) Account with Unity Bank, you can open a Term Deposit in the name of your fund.\""
   ],
   "restrictions": [],
   "who_can_open": {
    "restricted": false,
    "groups": [],
    "open_note": null,
    "open_to": [
     {
      "segment": "smsf",
      "who": "self-managed super funds (SMSFs)",
      "quote": "If you have a Self-Managed Super Fund (SMSF) Account with Unity Bank, you can open a Term Deposit in the name of your fund.",
      "url": "https://unity.bank/savings/term-deposits/term-deposit/",
      "checked": "2026-11-06",
      "citation": {
       "quote": "If you have a Self-Managed Super Fund (SMSF) Account with Unity Bank, you can open a Term Deposit in the name of your fund.",
       "url": "https://unity.bank/savings/term-deposits/term-deposit/#:~:text=If%20you%20have%20a%20Self%2DManaged,the%20name%20of%20your%20fund.",
       "document_sha256": "1c4942a410e819946ebf4df8568d0f88081b758eea60d2fc7f87ac7cb9a27d60",
       "confirmed": "2026-11-13"
      }
     }
    ]
   },
   "apply": {
    "direct": true,
    "barriers": []
   },
   "deposit_min": 1000,
   "deposit_max": 9999999,
   "tier_min": 1000,
   "tier_max": 9999999,
   "min_balance": 1000,
   "max_balance": null,
   "segments": [
    "personal",
    "smsf"
   ],
   "apply_barriers": [],
   "product_url": "https://www.unity.bank/forms/general-enquiry-form/#apply",
   "source_snapshot": "https://deepalmanac.com/au/finance/term-deposits/v1/source/unity-bank/I30_ALL_TERMS.json",
   "bank_last_updated": "2026-11-11T21:09:21.000+11:00",
   "feed": "current"
  },
  {
   "rank": 2,
   "brand_label": "Suncorp Bank",
   "brand_slug": "suncorp-bank",
   "summary": {
    "rate_pct": 5.75,
    "term_months": 12,
    "interest_paid": "at_maturity",
    "estimated_interest": 5750,
    "estimate_method": "simple",
    "estimate_basis": "single_payment",
    "interest_reinvested": "not_applicable",
    "conditions_apply": false,
    "restricted": false,
    "apply_directly": true
   },
   "product_label": "Term Deposit",
   "product_name": "Term Deposit",
   "rate": 0.0575,
   "rate_pct": 5.75,
   "term_months": 12,
   "term_min_months": 12,
   "term_max_months": 12,
   "interest_paid": "at_maturity",
   "matched": {
    "depositor": {
     "basis": "stated",
     "field": "eligibility MIN_AGE",
     "quote": "At Least one personal account owner must be 18 years or older 11"
    },
    "amount": {
     "basis": "stated",
     "range": [
      100000,
      999999
     ]
    },
    "term": {
     "basis": "stated",
     "value": 12
    },
    "interest": {
     "basis": "stated",
     "value": "at_maturity"
    }
   },
   "interest_estimate": {
    "total": 5750,
    "method": "simple",
    "paid": "at_maturity",
    "payments": 1,
    "method_basis": "single_payment",
    "note": "Paid once, at maturity. Simple interest: amount x rate x months / 12, before tax; the bank's day count can make it differ by a few dollars."
   },
   "is_special": false,
   "conditional": false,
   "conditions": [
    "31 days notice to withdraw early",
    "early withdrawal loses 20% to 80% of interest earned, by share of term completed",
    "no partial early withdrawals; whole deposit only",
    "also open to self-managed super funds (SMSFs): the bank's term deposit page says \"Invest in a Term Deposit as part of a Self Managed Super Fund.\", and its Target Market Determination (22 August 2026) lists \"Trustees for an SMSF\" among the customers it is for",
    "SMSFs, businesses and other non-personal customers open it in a branch or through the contact centre (13 11 75), not online: its Target Market Determination says it \"Can only be opened online by personal customers.\""
   ],
   "restrictions": [],
   "who_can_open": {
    "restricted": false,
    "groups": [],
    "open_note": null,
    "open_to": [
     {
      "segment": "smsf",
      "who": "self-managed super funds (SMSFs)",
      "quote": "Invest in a Term Deposit as part of a Self Managed Super Fund.",
      "url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts/term-deposits.html",
      "checked": "2026-11-06",
      "citation": {
       "quote": "Invest in a Term Deposit as part of a Self Managed Super Fund.",
       "url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts/term-deposits.html#:~:text=Invest%20in%20a%20Term%20Deposit,a%20Self%20Managed%20Super%20Fund.",
       "document_sha256": "6701fd2dd5b4057025d9666b6b9511320982ca24dcf8716a5069308d58bf7aa6",
       "confirmed": "2026-11-13"
      }
     }
    ]
   },
   "apply": {
    "direct": true,
    "barriers": []
   },
   "deposit_min": 100000,
   "deposit_max": 999999,
   "tier_min": 100000,
   "tier_max": 999999,
   "min_balance": 5000,
   "max_balance": 2000001,
   "segments": [
    "personal",
    "smsf"
   ],
   "apply_barriers": [],
   "product_url": "https://www.suncorpbank.com.au/bank-and-save/savings-accounts.html",
   "source_snapshot": "https://deepalmanac.com/au/finance/term-deposits/v1/source/suncorp-bank/TD.json",
   "bank_last_updated": "2026-11-05T13:00:00.000Z",
   "feed": "current"
  },
  {
   "rank": 3,
   "brand_label": "AMP Bank GO",
   "brand_slug": "amp-bank-go",
   "summary": {
    "rate_pct": 5.7,
    "term_months": 12,
    "interest_paid": "at_maturity",
    "estimated_interest": 5700,
    "estimate_method": "simple",
    "estimate_basis": "single_payment",
    "interest_reinvested": "not_applicable",
    "conditions_apply": true,
    "restricted": false,
    "apply_directly": true
   },
   "product_label": "12 Month Term Deposit",
   "product_name": "AMP Bank GO 12 Month Term Deposit",
   "rate": 0.057,
   "rate_pct": 5.7,
   "term_months": 12,
   "term_min_months": 12,
   "term_max_months": 12,
   "interest_paid": "at_maturity",
   "matched": {
    "depositor": {
     "basis": "stated",
     "field": "eligibility OTHER",
     "quote": "Customers must have an active AMP Bank GO Everyday Account in order to open an AMP Bank GO Personal Term Deposit Linked Transaction Account"
    },
    "amount": {
     "basis": "stated",
     "range": [
      5000,
      10000000
     ]
    },
    "term": {
     "basis": "stated",
     "value": 12
    },
    "interest": {
     "basis": "stated",
     "value": "at_maturity"
    }
   },
   "interest_estimate": {
    "total": 5700,
    "method": "simple",
    "paid": "at_maturity",
    "payments": 1,
    "method_basis": "single_payment",
    "note": "Paid once, at maturity. Simple interest: amount x rate x months / 12, before tax; the bank's day count can make it differ by a few dollars."
   },
   "is_special": false,
   "conditional": true,
   "conditions": [
    "Customers must have an active AMP Bank GO Everyday Account in order to open an AMP Bank GO Personal Term Deposit: Linked Transaction Account",
    "31 days notice to withdraw early; no early withdrawal in the last 31 days of the term except hardship",
    "individuals, sole traders and companies only; not for partnerships, trusts or associations",
    "cannot be opened jointly or by a power of attorney",
    "early withdrawal costs 90 days of interest"
   ],
   "restrictions": [],
   "who_can_open": {
    "restricted": false,
    "groups": [],
    "open_note": null
   },
   "apply": {
    "direct": true,
    "barriers": []
   },
   "deposit_min": 5000,
   "deposit_max": 10000000,
   "tier_min": null,
   "tier_max": null,
   "min_balance": 5000,
   "max_balance": 10000000,
   "segments": [
    "personal"
   ],
   "apply_barriers": [],
   "product_url": "https://www.amp.com.au/personal-banking/everyday-money",
   "source_snapshot": "https://deepalmanac.com/au/finance/term-deposits/v1/source/amp-bank-go/282bc819-b61b-4233-b53b-290808bcb9f3.json",
   "bank_last_updated": "2026-11-03T06:09:41.300Z",
   "feed": "current"
  },
  {
   "rank": 4,
   "brand_label": "Gateway Bank",
   "brand_slug": "gateway-bank",
   "summary": {
    "rate_pct": 5.7,
    "term_months": 12,
    "interest_paid": "at_maturity",
    "estimated_interest": 5700,
    "estimate_method": "simple",
    "estimate_basis": "single_payment",
    "interest_reinvested": "not_applicable",
    "conditions_apply": true,
    "restricted": false,
    "apply_directly": true
   },
   "product_label": "Term Deposit 12 Months",
   "product_name": "Term Deposit 12 Months",
   "rate": 0.057,
   "rate_pct": 5.7,
   "term_months": 12,
   "term_min_months": 12,
   "term_max_months": 12,
   "interest_paid": "at_maturity",
   "matched": {
    "depositor": {
     "basis": "default",
     "note": "nothing in the bank's feed limits this product to businesses or SMSFs"
    },
    "amount": {
     "basis": "stated",
     "range": [
      1000,
      1000000
     ]
    },
    "term": {
     "basis": "stated",
     "value": 12
    },
    "interest": {
     "basis": "stated",
     "value": "at_maturity"
    }
   },
   "interest_estimate": {
    "total": 5700,
    "method": "simple",
    "paid": "at_maturity",
    "payments": 1,
    "method_basis": "single_payment",
    "note": "Paid once, at maturity. Simple interest: amount x rate x months / 12, before tax; the bank's day count can make it differ by a few dollars."
   },
   "is_special": true,
   "conditional": true,
   "conditions": [
    "introductory rate (the bank's rate type); may not apply on rollover",
    "early withdrawal: interest adjustment (larger the earlier) plus an Early Withdrawal Administration Fee",
    "a company (Pty Ltd) can open it only as the corporate trustee of an SMSF, investment trust or discretionary trust",
    "31 days notice to withdraw early",
    "also open to self-managed super funds (SMSFs): the bank's own words are \"Gateway accepts retail deposit funds from the following entities: Individual or Joint personal applicants; SMSF; Investment Trusts; Discretionary Trusts; PTY LTD (if they are a corporate trustee to an Investment Trust, Discretionary Trust or SMSF); and small associations and charities.\""
   ],
   "restrictions": [],
   "who_can_open": {
    "restricted": false,
    "groups": [],
    "open_note": null,
    "open_to": [
     {
      "segment": "smsf",
      "who": "self-managed super funds (SMSFs)",
      "quote": "Gateway accepts retail deposit funds from the following entities: Individual or Joint personal applicants; SMSF; Investment Trusts; Discretionary Trusts; PTY LTD (if they are a corporate trustee to an Investment Trust, Discretionary Trust or SMSF); and small associations and charities.",
      "url": "https://www.gatewaybank.com.au/banking/term-deposits/",
      "checked": "2026-11-06",
      "citation": {
       "quote": "Gateway accepts retail deposit funds from the following entities: Individual or Joint personal applicants; SMSF; Investment Trusts; Discretionary Trusts; PTY LTD (if they are a corporate trustee to an Investment Trust, Discretionary Trust or SMSF); and small associations and charities.",
       "url": "https://www.gatewaybank.com.au/banking/term-deposits/#:~:text=Gateway%20accepts%20retail%20deposit%20funds,and%20small%20associations%20and%20charities.",
       "document_sha256": "03efb8300e711a271d6b57b8013b0e5d6d213f305699f95be8d4ba8c9acc1a72",
       "confirmed": "2026-11-13"
      }
     }
    ]
   },
   "apply": {
    "direct": true,
    "barriers": []
   },
   "deposit_min": 1000,
   "deposit_max": 1000000,
   "tier_min": 1000,
   "tier_max": 1000000,
   "min_balance": 1000,
   "max_balance": 1000000,
   "segments": [
    "personal",
    "smsf",
    "business"
   ],
   "apply_barriers": [],
   "product_url": "https://www.gatewaybank.com.au/banking/term-deposits/",
   "source_snapshot": "https://deepalmanac.com/au/finance/term-deposits/v1/source/gateway-bank/16.json",
   "bank_last_updated": "2026-11-11T00:00:32.7819965Z",
   "feed": "current"
  },
  {
   "rank": 5,
   "brand_label": "Heartland",
   "brand_slug": "heartland",
   "summary": {
    "rate_pct": 5.62,
    "term_months": 12,
    "interest_paid": "at_maturity",
    "estimated_interest": 5620,
    "estimate_method": "simple",
    "estimate_basis": "single_payment",
    "interest_reinvested": "not_applicable",
    "conditions_apply": true,
    "restricted": false,
    "apply_directly": false
   },
   "product_label": "Broker Term Deposit",
   "product_name": "Broker Term Deposit",
   "rate": 0.0562,
   "rate_pct": 5.62,
   "term_months": 12,
   "term_min_months": 12,
   "term_max_months": 12,
   "interest_paid": "at_maturity",
   "matched": {
    "depositor": {
     "basis": "stated",
     "field": "eligibility NATURAL_PERSON",
     "quote": "To open a Term Deposit, you must be a natural person"
    },
    "amount": {
     "basis": "stated",
     "range": [
      10000,
      2000000
     ]
    },
    "term": {
     "basis": "stated",
     "value": 12
    },
    "interest": {
     "basis": "stated",
     "value": "at_maturity"
    }
   },
   "interest_estimate": {
    "total": 5620,
    "method": "simple",
    "paid": "at_maturity",
    "payments": 1,
    "method_basis": "single_payment",
    "note": "Paid once, at maturity. Simple interest: amount x rate x months / 12, before tax; the bank's day count can make it differ by a few dollars."
   },
   "is_special": false,
   "conditional": true,
   "conditions": [
    "This account is available via Australian Money Market",
    "available via broker or intermediary",
    "Minimum deposit for new customer is $10K.",
    "31 days notice to withdraw early"
   ],
   "restrictions": [
    "via_third_party"
   ],
   "who_can_open": {
    "restricted": false,
    "groups": [],
    "open_note": null
   },
   "apply": {
    "direct": false,
    "barriers": [
     "platform"
    ],
    "note": "opened only through a broker, adviser, deposit intermediary or platform, not with the bank directly",
    "quote": "available via broker or intermediary"
   },
   "deposit_min": 10000,
   "deposit_max": 2000000,
   "tier_min": 10000,
   "tier_max": 2000000,
   "min_balance": 5000,
   "max_balance": null,
   "segments": [
    "personal"
   ],
   "apply_barriers": [
    "platform"
   ],
   "product_url": "https://www.heartlandbank.com.au/term-deposits",
   "source_snapshot": "https://deepalmanac.com/au/finance/term-deposits/v1/source/heartland/TD03.1.json",
   "bank_last_updated": "2026-11-06T04:47:00Z",
   "feed": "current"
  },
  {
   "rank": 6,
   "brand_label": "Community First Bank",
   "brand_slug": "commfcu",
   "summary": {
    "rate_pct": 5.6,
    "term_months": 12,
    "interest_paid": "at_maturity",
    "estimated_interest": 5600,
    "estimate_method": "simple",
    "estimate_basis": "single_payment",
    "interest_reinvested": "not_applicable",
    "conditions_apply": true,
    "restricted": false,
    "apply_directly": true
   },
   "product_label": "12 Month Term Deposit Special",
   "product_name": "12 Month Term Deposit Special",
   "rate": 0.056,
   "rate_pct": 5.6,
   "term_months": 12,
   "term_min_months": 12,
   "term_max_months": 12,
   "interest_paid": "at_maturity",
   "matched": {
    "depositor": {
     "basis": "default",
     "note": "nothing in the bank's feed limits this product to businesses or SMSFs"
    },
    "amount": {
     "basis": "stated",
     "range": [
      10000,
      2000000
     ]
    },
    "term": {
     "basis": "stated",
     "value": 12
    },
    "interest": {
     "basis": "stated",
     "value": "at_maturity"
    }
   },
   "interest_estimate": {
    "total": 5600,
    "method": "simple",
    "paid": "at_maturity",
    "payments": 1,
    "method_basis": "single_payment",
    "note": "Paid once, at maturity. Simple interest: amount x rate x months / 12, before tax; the bank's day count can make it differ by a few dollars."
   },
   "is_special": true,
   "conditional": true,
   "conditions": [
    "special or promotional offer (the bank's wording); may not apply on rollover",
    "up to 7 days written notice to withdraw early",
    "interest cannot be compounded into the deposit",
    "early withdrawal: no interest if under half the term has run, 25% to 50% of interest after",
    "new term deposits only, with funds not held with Community First or Easy Street in the last 14 days",
    "special rate available until 31/12/2026 or until allocation runs out",
    "also open to self-managed super funds (SMSFs) and businesses: the bank's own words are \"Whether you’re a personal investor, business or SMSF, lock in your interest rate for a term and enjoy secure returns.\""
   ],
   "restrictions": [],
   "who_can_open": {
    "restricted": false,
    "groups": [],
    "open_note": null,
    "open_to": [
     {
      "segment": "smsf",
      "who": "self-managed super funds (SMSFs)",
      "quote": "Whether you’re a personal investor, business or SMSF, lock in your interest rate for a term and enjoy secure returns.",
      "url": "https://communityfirst.com.au/products/term-deposits",
      "checked": "2026-11-06",
      "citation": {
       "quote": "Whether you’re a personal investor, business or SMSF, lock in your interest rate for a term and enjoy secure returns.",
       "url": "https://communityfirst.com.au/products/term-deposits#:~:text=Whether%20you%E2%80%99re%20a%20personal%20investor%2C,term%20and%20enjoy%20secure%20returns.",
       "document_sha256": "2f9afc707cbd1b67bf8b1f4c9f1f4804b5efb3aace93ea279c3d9f4b479fbbfc",
       "confirmed": "2026-11-13"
      }
     },
     {
      "segment": "business",
      "who": "businesses",
      "quote": "Whether you’re a personal investor, business or SMSF, lock in your interest rate for a term and enjoy secure returns.",
      "url": "https://communityfirst.com.au/products/term-deposits",
      "checked": "2026-11-06",
      "citation": {
       "quote": "Whether you’re a personal investor, business or SMSF, lock in your interest rate for a term and enjoy secure returns.",
       "url": "https://communityfirst.com.au/products/term-deposits#:~:text=Whether%20you%E2%80%99re%20a%20personal%20investor%2C,term%20and%20enjoy%20secure%20returns.",
       "document_sha256": "2f9afc707cbd1b67bf8b1f4c9f1f4804b5efb3aace93ea279c3d9f4b479fbbfc",
       "confirmed": "2026-11-13"
      }
     }
    ]
   },
   "apply": {
    "direct": true,
    "barriers": []
   },
   "deposit_min": 10000,
   "deposit_max": 2000000,
   "tier_min": 10000,
   "tier_max": 2000000,
   "min_balance": 10000,
   "max_balance": null,
   "segments": [
    "personal",
    "smsf",
    "business"
   ],
   "apply_barriers": [],
   "product_url": "https://communityfirst.com.au/products/term-deposits",
   "source_snapshot": "https://deepalmanac.com/au/finance/term-deposits/v1/source/commfcu/12_TERM_DEPOSIT_MTH_SPECIAL.json",
   "bank_last_updated": "2026-10-21T15:26:51.000+11:00",
   "feed": "current"
  },
  {
   "rank": 7,
   "brand_label": "Bank Australia",
   "brand_slug": "bank-australia",
   "summary": {
    "rate_pct": 5.55,
    "term_months": 12,
    "interest_paid": "at_maturity",
    "estimated_interest": 5550,
    "estimate_method": "simple",
    "estimate_basis": "single_payment",
    "interest_reinvested": "not_applicable",
    "conditions_apply": true,
    "restricted": false,
    "apply_directly": true
   },
   "product_label": "Term Deposit 12 Months",
   "product_name": "Term Deposit 12 months",
   "rate": 0.0555,
   "rate_pct": 5.55,
   "term_months": 12,
   "term_min_months": 12,
   "term_max_months": 12,
   "interest_paid": "at_maturity",
   "matched": {
    "depositor": {
     "basis": "stated",
     "field": "eligibility NATURAL_PERSON",
     "quote": "Natural Person or In trust for a Natural Person or Non-Individual entity"
    },
    "amount": {
     "basis": "stated",
     "range": [
      500,
      1000000
     ]
    },
    "term": {
     "basis": "stated",
     "value": 12
    },
    "interest": {
     "basis": "stated",
     "value": "at_maturity"
    }
   },
   "interest_estimate": {
    "total": 5550,
    "method": "simple",
    "paid": "at_maturity",
    "payments": 1,
    "method_basis": "single_payment",
    "note": "Paid once, at maturity. Simple interest: amount x rate x months / 12, before tax; the bank's day count can make it differ by a few dollars."
   },
   "is_special": false,
   "conditional": true,
   "conditions": [
    "SMSF eligibility inferred: stated by the bank on a matching sibling product, not on this one",
    "a part withdrawal must leave at least $500 in the deposit",
    "31 days notice to withdraw early",
    "early withdrawal cuts the rate by 20% to 90%"
   ],
   "restrictions": [],
   "who_can_open": {
    "restricted": false,
    "groups": [],
    "open_note": null
   },
   "apply": {
    "direct": true,
    "barriers": []
   },
   "deposit_min": 500,
   "deposit_max": 1000000,
   "tier_min": 500,
   "tier_max": 1000000,
   "min_balance": 500,
   "max_balance": null,
   "segments": [
    "personal",
    "smsf",
    "business"
   ],
   "apply_barriers": [],
   "product_url": "https://join.bankaust.com.au/#/welcome?productcode=212",
   "source_snapshot": "https://deepalmanac.com/au/finance/term-deposits/v1/source/bank-australia/644d03e6-be3c-4d25-a6d3-31f3467b5dd9.json",
   "bank_last_updated": "2026-11-10T21:00:23.625Z",
   "feed": "current",
   "same_bank_as": [
    "Qudos Bank"
   ]
  },
  {
   "rank": 8,
   "brand_label": "Dnister",
   "brand_slug": "dnister",
   "summary": {
    "rate_pct": 5.55,
    "term_months": 12,
    "interest_paid": "at_maturity",
    "estimated_interest": 5550,
    "estimate_method": "simple",
    "estimate_basis": "single_payment",
    "interest_reinvested": "not_applicable",
    "conditions_apply": false,
    "restricted": false,
    "apply_directly": true
   },
   "product_label": "Term Deposit - 12 Months",
   "product_name": "Term Deposit - 12 Months",
   "rate": 0.0555,
   "rate_pct": 5.55,
   "term_months": 12,
   "term_min_months": 12,
   "term_max_months": 12,
   "interest_paid": "at_maturity",
   "matched": {
    "depositor": {
     "basis": "default",
     "note": "nothing in the bank's feed limits this product to businesses or SMSFs"
    },
    "amount": {
     "basis": "stated",
     "range": [
      1000,
      1000000
     ]
    },
    "term": {
     "basis": "stated",
     "value": 12
    },
    "interest": {
     "basis": "stated",
     "value": "at_maturity"
    }
   },
   "interest_estimate": {
    "total": 5550,
    "method": "simple",
    "paid": "at_maturity",
    "payments": 1,
    "method_basis": "single_payment",
    "note": "Paid once, at maturity. Simple interest: amount x rate x months / 12, before tax; the bank's day count can make it differ by a few dollars."
   },
   "is_special": false,
   "conditional": false,
   "conditions": [
    "31 days notice to withdraw early",
    "early withdrawals must be at least 50% of the deposit",
    "also open to businesses: the bank's own words are \"Grow your personal or business savings with a certainty of fixed return.\"",
    "also open to self-managed super funds (SMSFs), on request: SMSF trustees can open it on request, and Dnister may ask for the trust deed; its PDS (page 19, Trust Accounts), which governs this account, says \"Trust accounts can be opened on request: ... By trustees of a superannuation fund\" and \"we may require you to present an original Trust Deed, Will or other instrument confirming the basis for operation of the account.\""
   ],
   "restrictions": [],
   "who_can_open": {
    "restricted": false,
    "groups": [],
    "open_note": null,
    "open_to": [
     {
      "segment": "business",
      "who": "businesses",
      "quote": "Grow your personal or business savings with a certainty of fixed return.",
      "url": "https://www.dnister.com.au/term-deposits/",
      "checked": "2026-11-06",
      "citation": {
       "quote": "Grow your personal or business savings with a certainty of fixed return.",
       "url": "https://www.dnister.com.au/term-deposits/#:~:text=Grow%20your%20personal%20or%20business,a%20certainty%20of%20fixed%20return.",
       "document_sha256": "502f6dd732158dbde2d834831bad7a58c83b21a90ba1d45a31c118ccaf786148",
       "confirmed": "2026-11-13"
      }
     },
     {
      "segment": "smsf",
      "who": "self-managed super funds (SMSFs)",
      "quote": "Trust accounts can be opened on request: Where one or more persons open an account in which they are named as trustee for another person(s). For example, a trustee account held by parents for children; or By trustees under a will; or By trustees of a superannuation fund; or",
      "url": "https://www.dnister.com.au/wp-content/uploads/2026/04/PDS-FSG-Update-Rebrand-23-March-2026-.pdf",
      "checked": "2026-11-06",
      "citation": {
       "quote": "Trust accounts can be opened on request: Where one or more persons open an account in which they are named as trustee for another person(s). For example, a trustee account held by parents for children; or By trustees under a will; or By trustees of a superannuation fund; or",
       "url": "https://www.dnister.com.au/wp-content/uploads/2026/04/PDS-FSG-Update-Rebrand-23-March-2026-.pdf#page=19",
       "page": 19,
       "document_sha256": "e4cc22392afac98e86ca4236f39bc1d10e7d8b021af0665d479c457dd48f5372",
       "confirmed": "2026-11-13"
      },
      "how": "on request"
     }
    ]
   },
   "apply": {
    "direct": true,
    "barriers": []
   },
   "deposit_min": 1000,
   "deposit_max": 1000000,
   "tier_min": 1000,
   "tier_max": 1000000,
   "min_balance": 1000,
   "max_balance": null,
   "segments": [
    "personal",
    "smsf",
    "business"
   ],
   "apply_barriers": [],
   "product_url": "https://www.dnister.com.au/wp-content/uploads/2023/03/MS-0323-Term-Deposit-Application.pdf",
   "source_snapshot": "https://deepalmanac.com/au/finance/term-deposits/v1/source/dnister/12.json",
   "bank_last_updated": "2026-11-13T00:00:38.9826984Z",
   "feed": "current"
  },
  {
   "rank": 9,
   "brand_label": "Qudos Bank",
   "brand_slug": "qudos-bank",
   "summary": {
    "rate_pct": 5.55,
    "term_months": 12,
    "interest_paid": "at_maturity",
    "estimated_interest": 5550,
    "estimate_method": "simple",
    "estimate_basis": "single_payment",
    "interest_reinvested": "not_applicable",
    "conditions_apply": false,
    "restricted": false,
    "apply_directly": true
   },
   "product_label": "Term Deposit",
   "product_name": "Term Deposits",
   "rate": 0.0555,
   "rate_pct": 5.55,
   "term_months": 12,
   "term_min_months": 12,
   "term_max_months": 12,
   "interest_paid": "at_maturity",
   "matched": {
    "depositor": {
     "basis": "default",
     "note": "nothing in the bank's feed limits this product to businesses or SMSFs"
    },
    "amount": {
     "basis": "stated",
     "range": [
      10000,
      null
     ]
    },
    "term": {
     "basis": "stated",
     "value": 12
    },
    "interest": {
     "basis": "stated",
     "value": "at_maturity"
    }
   },
   "interest_estimate": {
    "total": 5550,
    "method": "simple",
    "paid": "at_maturity",
    "payments": 1,
    "method_basis": "single_payment",
    "note": "Paid once, at maturity. Simple interest: amount x rate x months / 12, before tax; the bank's day count can make it differ by a few dollars."
   },
   "is_special": false,
   "conditional": false,
   "conditions": [
    "31 days notice to withdraw early, subject to approval",
    "early withdrawal cuts the rate by 2% p.a. for the whole term (no interest if the rate is under 2%)",
    "minimum $500 for all terms (product page)",
    "new customers must first open a General Savings Account",
    "also open to self-managed super funds (SMSFs), by enquiry: the bank's own words are \"Yes, Qudos Bank Term Deposits are available for SMSFs. To open a Term Deposit account, please send us an enquiry or call us on 1300 747 747\""
   ],
   "restrictions": [],
   "who_can_open": {
    "restricted": false,
    "groups": [],
    "open_note": null,
    "open_to": [
     {
      "segment": "smsf",
      "who": "self-managed super funds (SMSFs)",
      "quote": "Yes, Qudos Bank Term Deposits are available for SMSFs. To open a Term Deposit account, please send us an enquiry or call us on 1300 747 747",
      "url": "https://www.qudosbank.com.au/products/savings-accounts/term-deposit",
      "checked": "2026-11-06",
      "citation": {
       "quote": "Yes, Qudos Bank Term Deposits are available for SMSFs. To open a Term Deposit account, please send us an enquiry or call us on 1300 747 747",
       "url": "https://www.qudosbank.com.au/products/savings-accounts/term-deposit#:~:text=Yes%2C%20Qudos%20Bank%20Term%20Deposits,us%20on%201300%20747%20747",
       "document_sha256": "820495c5c0dd5d093ed0ee4a198d97d6dc3c866ba6ad19719ccb0c6e66b7c177",
       "confirmed": "2026-11-13"
      },
      "how": "by enquiry"
     }
    ]
   },
   "apply": {
    "direct": true,
    "barriers": []
   },
   "deposit_min": 10000,
   "deposit_max": null,
   "tier_min": 500,
   "tier_max": null,
   "min_balance": 10000,
   "max_balance": null,
   "segments": [
    "personal",
    "smsf"
   ],
   "apply_barriers": [],
   "product_url": "https://www.qudosbank.com.au/products/savings-accounts/term-deposit",
   "source_snapshot": "https://deepalmanac.com/au/finance/term-deposits/v1/source/qudos-bank/f435abef-eaed-4d9f-a535-5c2925645472.json",
   "bank_last_updated": "2026-11-10T21:00:22.763Z",
   "feed": "current",
   "same_bank_as": [
    "Bank Australia"
   ]
  },
  {
   "rank": 10,
   "brand_label": "Alex.Bank",
   "brand_slug": "alex-bank",
   "summary": {
    "rate_pct": 5.5,
    "term_months": 12,
    "interest_paid": "at_maturity",
    "estimated_interest": 5500,
    "estimate_method": "simple",
    "estimate_basis": "single_payment",
    "interest_reinvested": "not_applicable",
    "conditions_apply": true,
    "restricted": false,
    "apply_directly": false
   },
   "product_label": "Term Deposit - Intermediary",
   "product_name": "Term Deposit - Intermediary",
   "rate": 0.055,
   "rate_pct": 5.5,
   "term_months": 12,
   "term_min_months": 12,
   "term_max_months": 12,
   "interest_paid": "at_maturity",
   "matched": {
    "depositor": {
     "basis": "stated",
     "field": "eligibility OTHER",
     "quote": "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund Eligible Customers"
    },
    "amount": {
     "basis": "stated",
     "range": [
      10000,
      500000
     ]
    },
    "term": {
     "basis": "stated",
     "value": 12
    },
    "interest": {
     "basis": "stated",
     "value": "at_maturity"
    }
   },
   "interest_estimate": {
    "total": 5500,
    "method": "simple",
    "paid": "at_maturity",
    "payments": 1,
    "method_basis": "single_payment",
    "note": "Paid once, at maturity. Simple interest: amount x rate x months / 12, before tax; the bank's day count can make it differ by a few dollars."
   },
   "is_special": false,
   "conditional": true,
   "conditions": [
    "Individual, Joint (max of 2 individuals), Sole Trader, Trust (max 1 company trustee and/or up to 4 individual trustees), Self-Managed Superannuation Fund: Elig…",
    "Origination via accredited deposit intermediaries only: Channel",
    "available via broker or intermediary",
    "no partial withdrawals",
    "an SMSF may have at most one company trustee and/or up to four individual trustees",
    "31 days notice to withdraw early",
    "early withdrawal cuts interest earned by 20% to 90%"
   ],
   "restrictions": [
    "via_third_party"
   ],
   "who_can_open": {
    "restricted": false,
    "groups": [],
    "open_note": null
   },
   "apply": {
    "direct": false,
    "barriers": [
     "platform"
    ],
    "note": "opened only through a broker, adviser, deposit intermediary or platform, not with the bank directly",
    "quote": "Origination via accredited deposit intermediaries only: Channel"
   },
   "deposit_min": 10000,
   "deposit_max": 500000,
   "tier_min": 10000,
   "tier_max": 500000,
   "min_balance": 10000,
   "max_balance": null,
   "segments": [
    "personal",
    "smsf",
    "business"
   ],
   "apply_barriers": [
    "platform"
   ],
   "product_url": "https://www.alex.com.au/legal/term-deposit-t&cs/",
   "source_snapshot": "https://deepalmanac.com/au/finance/term-deposits/v1/source/alex-bank/7aa47c12-436d-4927-af7a-1b9ea7e1e7a3.json",
   "bank_last_updated": "2026-11-11T13:01:10Z",
   "feed": "current"
  }
 ]
}