{
  "source": "https://public.cdr.api.beyondbank.com.au/cds-au/v1/banking/products/50",
  "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": "50",
    "effectiveFrom": "2001-07-16T14:30:00.0000000Z",
    "lastUpdated": "2026-04-07T12:00:30.9645062Z",
    "productCategory": "TERM_DEPOSITS",
    "name": "INV - 3 Mth FMD Trf 3 Mthly",
    "description": "Farm Management Deposit Accounts are fixed term accounts that allows primary producers to set aside pre-tax income in profitable years to establish cash reserves to help meet costs in low-income years when they need it most.",
    "brand": "BYD",
    "brandName": "Beyond Bank Australia",
    "applicationUri": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/farm-management-deposits/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/farm-management-deposits/",
      "termsUri": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/farm-management-deposits/",
      "eligibilityUri": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/farm-management-deposits/",
      "feesAndPricingUri": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/farm-management-deposits/"
    },
    "constraints": [
      {
        "constraintType": "MAX_BALANCE",
        "additionalValue": "800000.00",
        "additionalInfo": "Total balance of all FMD accounts held by the same person must not exceed $800,000.00 at any time."
      },
      {
        "constraintType": "MIN_BALANCE",
        "additionalValue": "2000.00",
        "additionalInfo": "Minimum initial investment from $2,000.00  Any further deposit or withdrawal must be at least $1,000.00"
      },
      {
        "constraintType": "OPENING_BALANCE",
        "additionalValue": "2000.00",
        "additionalInfo": "Minimum initial investment from $2,000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Eligibility: available to anyone who is a primary producer when the deposit is made. Other conditions apply.",
        "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/farm-management-deposits/"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Membership: You must be or become a Beyond Bank Australia member.",
        "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/farm-management-deposits/"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Taxation benefits may be available to Primary Producers as part of the Farm Management Deposit scheme and subject to qualifying criteria and terms and conditions.",
        "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/farm-management-deposits/"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Securely backed by the Government Guarantee.",
        "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/farm-management-deposits/"
      }
    ],
    "fees": [
      {
        "name": "Early Redemption Administration Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "additionalInfo": "This fee is payable should the depositor choose to withdraw funds (in whole or in part) prior to the maturity date.  A 31 day notice period is required.  An interest penalty may also apply.",
        "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/farm-management-deposits/"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "FIXED",
        "rate": "0.0385",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P3M",
        "tiers": [
          {
            "name": "Tier 1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "2000.00",
            "maximumValue": "49999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "Tier 1",
            "unitOfMeasure": "MONTH",
            "minimumValue": "3.00",
            "maximumValue": "3.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P3M",
        "additionalInfo": "Interest is paid on maturity into a nominated account.",
        "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/farm-management-deposits/"
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.041",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P3M",
        "tiers": [
          {
            "name": "Tier 2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "50000.00",
            "maximumValue": "199999.99",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "Tier 2",
            "unitOfMeasure": "MONTH",
            "minimumValue": "3.00",
            "maximumValue": "3.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P3M",
        "additionalInfo": "Interest is paid on maturity into a nominated account.",
        "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/farm-management-deposits/"
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.043",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P3M",
        "tiers": [
          {
            "name": "Tier 3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "200000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "Tier 3",
            "unitOfMeasure": "MONTH",
            "minimumValue": "3.00",
            "maximumValue": "3.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P3M",
        "additionalInfo": "Interest is paid on maturity into a nominated account.",
        "additionalInfoUri": "https://www.beyondbank.com.au/bank-and-save/accounts/term-deposits/farm-management-deposits/"
      }
    ]
  }
}