{
  "source": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMTDTermDeposit",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "productId": "BOMTDTermDeposit",
    "lastUpdated": "2026-07-10T00:46:16Z",
    "productCategory": "TERM_DEPOSITS",
    "name": "Term Deposit",
    "description": "Get a fixed interest rate for your fixed term investment.",
    "brand": "Bank of Melbourne",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "termsUri": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/bank-accounts/SavInvesTransAccounts_Terms.pdf",
      "eligibilityUri": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits",
      "feesAndPricingUri": "https://www.bankofmelbourne.com.au/personal/bank-accounts/term-deposits"
    },
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "Offers available on Term Deposits opened or renewed by existing Bank of Melbourne personal or business customers. Available on deposits of $1,000-$2,000,000 with interest paid monthly or at maturity depending on term. T&Cs Apply."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Predictable earnings: With a fixed interest rate, you?ll know exactly how much you?re going to earn over your choice of fixed term."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Online bonus rates: Logon to check if you qualify for higher rates than those featured. You'll get an extra 0.10% p.a. for opening or renewing online."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Secured savings: Avoid the temptation to dip into your savings, by locking your investment away for a fixed length of time."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Options at maturity: Choose whether to withdraw funds or reinvest them, providing your instructions online or in the app."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Open a Term Deposit with as little as $1000 and pay no set up or monthly fees. Rates featured are available on deposits of up to $2000000."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "When you open a Bank of Melbourne Term Deposit, your money will be looked after by an Australian banking group that dates back over 200 years. Plus, combined balances up to $250,000 per account holder are guaranteed by the Australian Government under its Financial Claims Scheme."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Business customers are eligible to open an account and can open account either by Branch, Phone, online."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Opening Confirmation, Maturity, Reinvestment and Repayment advices are sent as regular advices"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Choice of terms ranges from 1 to 60 months"
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "The product includes limited fraud protection features."
      },
      {
        "featureType": "RELATIONSHIP_MANAGEMENT",
        "additionalInfo": "Relationship management is available for eligible customers."
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Internet Banking, Phone Banking, Branch banking , Bank@Post options are available"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Interest payment options are available"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_BALANCE",
        "additionalValue": "1000.00",
        "additionalInfo": "Minimum Opening Balance"
      },
      {
        "constraintType": "MAX_BALANCE",
        "additionalValue": "2000000.00",
        "additionalInfo": "Maximum Balance"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian Permanent Resident "
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Online Only Existing Customers: If you already use Internet or Mobile Banking, you can renew or open a new Term Deposit online in your name. You can also check for bonus rates and manage your Term Deposit online."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Online Only New Customers: you'll need to open an everyday account to access Internet Banking (so you can open a Term Deposit and manage it online)."
      }
    ],
    "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 Months",
            "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 Months",
            "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 Months",
            "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 Months",
            "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 Months",
            "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 Months",
            "unitOfMeasure": "MONTH",
            "minimumValue": "7",
            "maximumValue": "7",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Interest paid at maturity"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "1000.00"
          }
        ],
        "additionalValue": "P7M"
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.036",
        "calculationFrequency": "P1D",
        "applicationType": "MATURITY",
        "tiers": [
          {
            "name": "8 Months",
            "unitOfMeasure": "MONTH",
            "minimumValue": "8",
            "maximumValue": "8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Interest paid at maturity"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "1000.00"
          }
        ],
        "additionalValue": "P8M"
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.0365",
        "calculationFrequency": "P1D",
        "applicationType": "MATURITY",
        "tiers": [
          {
            "name": "9 Months",
            "unitOfMeasure": "MONTH",
            "minimumValue": "9",
            "maximumValue": "9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Interest paid at maturity"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "1000.00"
          }
        ],
        "additionalValue": "P9M"
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.037",
        "calculationFrequency": "P1D",
        "applicationType": "MATURITY",
        "tiers": [
          {
            "name": "10 Months",
            "unitOfMeasure": "MONTH",
            "minimumValue": "10",
            "maximumValue": "10",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Interest paid at maturity"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "1000.00"
          }
        ],
        "additionalValue": "P10M"
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.0375",
        "calculationFrequency": "P1D",
        "applicationType": "MATURITY",
        "tiers": [
          {
            "name": "11  Months",
            "unitOfMeasure": "MONTH",
            "minimumValue": "11",
            "maximumValue": "11",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Interest paid at maturity"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "1000.00"
          }
        ],
        "additionalValue": "P11M"
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.0475",
        "calculationFrequency": "P1D",
        "applicationType": "MATURITY",
        "tiers": [
          {
            "name": "12 Months",
            "unitOfMeasure": "MONTH",
            "minimumValue": "12",
            "maximumValue": "12",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Interest paid at maturity"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "1000.00"
          }
        ],
        "additionalValue": "P12M"
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.045",
        "calculationFrequency": "P1D",
        "applicationType": "MATURITY",
        "tiers": [
          {
            "name": "24 Months",
            "unitOfMeasure": "MONTH",
            "minimumValue": "24",
            "maximumValue": "35",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Interest paid annually"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "1000.00"
          }
        ],
        "additionalValue": "P24M"
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.04",
        "calculationFrequency": "P1D",
        "applicationType": "MATURITY",
        "tiers": [
          {
            "name": "36 Months",
            "unitOfMeasure": "MONTH",
            "minimumValue": "36",
            "maximumValue": "47",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Interest paid annually"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "1000.00"
          }
        ],
        "additionalValue": "P36M"
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.04",
        "calculationFrequency": "P1D",
        "applicationType": "MATURITY",
        "tiers": [
          {
            "name": "48 Months",
            "unitOfMeasure": "MONTH",
            "minimumValue": "48",
            "maximumValue": "59",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Interest paid annually"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "1000.00"
          }
        ],
        "additionalValue": "P48M"
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.04",
        "calculationFrequency": "P1D",
        "applicationType": "MATURITY",
        "tiers": [
          {
            "name": "60 Months",
            "unitOfMeasure": "MONTH",
            "minimumValue": "60",
            "maximumValue": "60",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Interest paid annually"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "1000.00"
          }
        ],
        "additionalValue": "P60M"
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.0335",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "6 Months",
            "unitOfMeasure": "MONTH",
            "minimumValue": "6",
            "maximumValue": "6",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Interest paid monthly"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "1000.00"
          }
        ],
        "additionalValue": "P6M"
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.035",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "7 Months",
            "unitOfMeasure": "MONTH",
            "minimumValue": "7",
            "maximumValue": "7",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Interest paid monthly"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "1000.00"
          }
        ],
        "additionalValue": "P7M"
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.0355",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "8 Months",
            "unitOfMeasure": "MONTH",
            "minimumValue": "8",
            "maximumValue": "8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Interest paid monthly"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "1000.00"
          }
        ],
        "additionalValue": "P8M"
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.036",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "9 Months",
            "unitOfMeasure": "MONTH",
            "minimumValue": "9",
            "maximumValue": "9",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Interest paid monthly"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "1000.00"
          }
        ],
        "additionalValue": "P9M"
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.0365",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "10 Months",
            "unitOfMeasure": "MONTH",
            "minimumValue": "10",
            "maximumValue": "10",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Interest paid monthly"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "1000.00"
          }
        ],
        "additionalValue": "P10M"
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.037",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "11 Months",
            "unitOfMeasure": "MONTH",
            "minimumValue": "11",
            "maximumValue": "11",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Interest paid monthly"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "1000.00"
          }
        ],
        "additionalValue": "P11M"
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.047",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "12 Months",
            "unitOfMeasure": "MONTH",
            "minimumValue": "12",
            "maximumValue": "12",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Interest paid monthly"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "1000.00"
          }
        ],
        "additionalValue": "P12M"
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.047",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "13 Months",
            "unitOfMeasure": "MONTH",
            "minimumValue": "13",
            "maximumValue": "23",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Interest paid monthly"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "1000.00"
          }
        ],
        "additionalValue": "P13M"
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.0445",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "24 Months",
            "unitOfMeasure": "MONTH",
            "minimumValue": "24",
            "maximumValue": "35",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Interest paid monthly"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "1000.00"
          }
        ],
        "additionalValue": "P24M"
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.0395",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "36 Months",
            "unitOfMeasure": "MONTH",
            "minimumValue": "36",
            "maximumValue": "47",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Interest paid monthly"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "1000.00"
          }
        ],
        "additionalValue": "P36M"
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.0395",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "48 Months",
            "unitOfMeasure": "MONTH",
            "minimumValue": "48",
            "maximumValue": "59",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Interest paid monthly"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "1000.00"
          }
        ],
        "additionalValue": "P48M"
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.0395",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "60 Months",
            "unitOfMeasure": "MONTH",
            "minimumValue": "60",
            "maximumValue": "60",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Interest paid monthly"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "1000.00"
          }
        ],
        "additionalValue": "P60M"
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.047",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P6M",
        "tiers": [
          {
            "name": "12 Months",
            "unitOfMeasure": "MONTH",
            "minimumValue": "12",
            "maximumValue": "12",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Interest paid half yearly"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "1000.00"
          }
        ],
        "additionalValue": "P12M"
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.047",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P6M",
        "tiers": [
          {
            "name": "13 Months",
            "unitOfMeasure": "MONTH",
            "minimumValue": "13",
            "maximumValue": "23",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Interest paid half yearly"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "1000.00"
          }
        ],
        "additionalValue": "P13M"
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.0445",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P6M",
        "tiers": [
          {
            "name": "24 Months",
            "unitOfMeasure": "MONTH",
            "minimumValue": "24",
            "maximumValue": "35",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Interest paid half yearly"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "1000.00"
          }
        ],
        "additionalValue": "P24M"
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.0395",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P6M",
        "tiers": [
          {
            "name": "36 Months",
            "unitOfMeasure": "MONTH",
            "minimumValue": "36",
            "maximumValue": "47",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Interest paid half yearly"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "1000.00"
          }
        ],
        "additionalValue": "P36M"
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.0395",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P6M",
        "tiers": [
          {
            "name": "48 Months",
            "unitOfMeasure": "MONTH",
            "minimumValue": "48",
            "maximumValue": "59",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Interest paid half yearly"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "1000.00"
          }
        ],
        "additionalValue": "P48M"
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.0395",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P6M",
        "tiers": [
          {
            "name": "60 Months",
            "unitOfMeasure": "MONTH",
            "minimumValue": "60",
            "maximumValue": "60",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Interest paid half yearly"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "1000.00"
          }
        ],
        "additionalValue": "P60M"
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.0515",
        "calculationFrequency": "P1D",
        "applicationType": "MATURITY",
        "tiers": [
          {
            "name": "12 Months",
            "unitOfMeasure": "MONTH",
            "minimumValue": "12",
            "maximumValue": "12",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "1000.00"
          }
        ],
        "additionalValue": "P12M",
        "additionalInfo": "12 month offer available for a limited time only on Term Deposits opened or renewed by existing Bank of Melbourne personal or business customers. "
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.05",
        "calculationFrequency": "P1D",
        "applicationType": "MATURITY",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "1000.00"
          }
        ],
        "additionalValue": "P8M",
        "additionalInfo": "8 month offer available for a limited time only on Term Deposits opened or renewed by existing Bank of Melbourne personal or business customers. T&Cs Apply."
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.0495",
        "calculationFrequency": "P1D",
        "applicationType": "MATURITY",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "1000.00"
          }
        ],
        "additionalValue": "P5M",
        "additionalInfo": "5 month offer available for a limited time only on Term Deposits opened or renewed by existing Bank of Melbourne personal or business customers. T&Cs Apply."
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.001",
        "calculationFrequency": "P1D",
        "applicationType": "MATURITY",
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "ONLINE_ONLY"
          }
        ],
        "additionalValue": "P12M",
        "additionalInfo": "PLUS, an additional 0.10% p.a. online bonus offer2 when you open or renew online"
      }
    ]
  }
}