{
  "source": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/13",
  "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": "13",
    "effectiveFrom": "2003-02-27T13:30:00.0000000Z",
    "lastUpdated": "2026-03-23T12:00:30.9673694Z",
    "productCategory": "TERM_DEPOSITS",
    "name": "INV - 48-60 Mth Trf 12 Mthly",
    "description": "Term deposits are a secure way to grow your money with a guaranteed interest rate for a fixed period. You'll always know exactly what your investment is worth.",
    "brand": "BYD",
    "brandName": "Beyond Bank Australia",
    "applicationUri": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "termsUri": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "eligibilityUri": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/",
      "feesAndPricingUri": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/"
    },
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "Choice of fixed term - 48 or 60 months.  Additional Bonus Rate may apply for Life Membership customers and Community groups."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Securely backed by the Government Guarantee",
        "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/"
      }
    ],
    "constraints": [
      {
        "constraintType": "MAX_BALANCE",
        "additionalValue": "5000000.00",
        "additionalInfo": "Maximum investment is $5,000,000.00"
      },
      {
        "constraintType": "MIN_BALANCE",
        "additionalValue": "2000.00",
        "additionalInfo": "Minimum investment from $2,000.00"
      },
      {
        "constraintType": "OPENING_BALANCE",
        "additionalValue": "2000.00",
        "additionalInfo": "Minimum investment from $2,000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS",
        "additionalInfo": "Available for all customers."
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "Available for all customers."
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Membership: You must be or become a Beyond Bank Australia member"
      }
    ],
    "fees": [
      {
        "name": "Early Redemption Administration Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "additionalInfo": "If you redeem a term deposit prior to maturity (in whole or in part) you will be required to pay an Early Redemption Fee and the interest payable to you on the amount withdrawn will be reduced. Terms and Conditions apply.",
        "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "FIXED",
        "rate": "0.036",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P12M",
        "tiers": [
          {
            "name": "Tier 1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "2000.00",
            "maximumValue": "49999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "Tier 1",
            "unitOfMeasure": "MONTH",
            "minimumValue": "48.00",
            "maximumValue": "60.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P48M",
        "additionalInfo": "Choice of term - 48 or 60 months. Interest paid on maturity into a Beyond Bank Savings Account of your choice."
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.0365",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P12M",
        "tiers": [
          {
            "name": "Tier 2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.00",
            "maximumValue": "199999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "Tier 2",
            "unitOfMeasure": "MONTH",
            "minimumValue": "48.00",
            "maximumValue": "60.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P48M",
        "additionalInfo": "Choice of term - 48 or 60 months. Interest paid on maturity into a Beyond Bank Savings Account of your choice."
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.0365",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P12M",
        "tiers": [
          {
            "name": "Tier 3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "200000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "Tier 3",
            "unitOfMeasure": "MONTH",
            "minimumValue": "48.00",
            "maximumValue": "60.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P48M",
        "additionalInfo": "Choice of term - 48 or 60 months. Interest paid on maturity into a Beyond Bank Savings Account of your choice."
      }
    ]
  }
}