{
  "source": "https://openbanking.cairnsbank.com.au/OpenBanking/cds-au/v1/banking/products/I1_24M_UNDER_500K",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "constraints": [
      {
        "constraintType": "MIN_BALANCE",
        "additionalValue": "1,000"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "FIXED",
        "rate": "0.0375",
        "calculationFrequency": "P1D",
        "applicationType": "MATURITY",
        "tiers": [
          {
            "name": "Term deposits 24mths under $500,000_Tier",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1000.00",
            "maximumValue": "1000000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "Term deposits 24mths under $500,000_Tier",
            "unitOfMeasure": "MONTH",
            "minimumValue": "3",
            "maximumValue": "5",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P5M",
        "additionalInfoUri": "https://cairnsbank.com.au/banking/personal-banking/rates"
      }
    ],
    "productCategory": "TERM_DEPOSITS",
    "productId": "I1_24M_UNDER_500K",
    "lastUpdated": "2026-06-29T09:28:13.000+10:00",
    "name": "Term deposits 24mths under $500,000",
    "description": "Cairns Bank term deposits pay a fixed rate of interest for a fixed term with interest paid at maturity.",
    "brand": "CAIRNS PENNY SAVINGS LOANS LTD",
    "brandName": "Cairns Bank",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://cairnsbank.com.au/banking/personal-banking/term-deposit-account",
      "termsUri": "https://cairnsbank.com.au/information-and-support/disclosure/terms-conditions",
      "feesAndPricingUri": "https://cairnsbank.com.au/information-and-support/disclosure/fees-and-charges"
    }
  }
}