{
  "source": "https://netbank.communityfirst.com.au/cf-OpenBanking/cds-au/v1/banking/products/I12-TD-12-ANL",
  "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": "5000.00",
        "additionalInfo": "Minimum deposit amount"
      }
    ],
    "fees": [
      {
        "name": "COPY_OF_STATEMENT_(ALREADY_ISSUED)",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.50"
        },
        "feeCap": "0.00",
        "currency": "AUD",
        "additionalInfo": "Charged per page. For statements issued prior to January 1997 the fee is $3 per page.",
        "additionalInfoUri": "https://communityfirst.com.au/tools/rates-and-fees"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "FIXED",
        "rate": "0.0515",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P12M",
        "tiers": [
          {
            "name": "TERM DEPOSITS - 12 MONTHS INTEREST ON MATURITY_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "5000.00",
            "maximumValue": "5000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "TERM DEPOSITS - 12 MONTHS INTEREST ON MATURITY_Tier_1",
            "unitOfMeasure": "MONTH",
            "minimumValue": "12",
            "maximumValue": "23",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P23M",
        "additionalInfoUri": "https://communityfirst.com.au/products/term-deposits"
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.0515",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P12M",
        "tiers": [
          {
            "name": "TERM DEPOSITS - 12 MONTHS INTEREST ON MATURITY_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "5000.01",
            "maximumValue": "49999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "TERM DEPOSITS - 12 MONTHS INTEREST ON MATURITY_Tier_2",
            "unitOfMeasure": "MONTH",
            "minimumValue": "12",
            "maximumValue": "23",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P23M",
        "additionalInfoUri": "https://communityfirst.com.au/products/term-deposits"
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.0515",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P12M",
        "tiers": [
          {
            "name": "TERM DEPOSITS - 12 MONTHS INTEREST ON MATURITY_Tier_3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "49999.01",
            "maximumValue": "99999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "TERM DEPOSITS - 12 MONTHS INTEREST ON MATURITY_Tier_3",
            "unitOfMeasure": "MONTH",
            "minimumValue": "12",
            "maximumValue": "23",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P23M",
        "additionalInfoUri": "https://communityfirst.com.au/products/term-deposits"
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.0525",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P12M",
        "tiers": [
          {
            "name": "TERM DEPOSITS - 12 MONTHS INTEREST ON MATURITY_Tier_4",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "99999.01",
            "maximumValue": "249999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "TERM DEPOSITS - 12 MONTHS INTEREST ON MATURITY_Tier_4",
            "unitOfMeasure": "MONTH",
            "minimumValue": "12",
            "maximumValue": "23",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P23M",
        "additionalInfoUri": "https://communityfirst.com.au/products/term-deposits"
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.0525",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P12M",
        "tiers": [
          {
            "name": "TERM DEPOSITS - 12 MONTHS INTEREST ON MATURITY_Tier_5",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "249999.01",
            "maximumValue": "1000000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "TERM DEPOSITS - 12 MONTHS INTEREST ON MATURITY_Tier_5",
            "unitOfMeasure": "MONTH",
            "minimumValue": "12",
            "maximumValue": "23",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P23M",
        "additionalInfoUri": "https://communityfirst.com.au/products/term-deposits"
      }
    ],
    "productId": "I12-TD-12-ANL",
    "effectiveFrom": "2026-05-15T00:00:00.000+10:00",
    "lastUpdated": "2026-06-12T11:11:19.000+10:00",
    "productCategory": "TERM_DEPOSITS",
    "name": "TERM DEPOSITS - 12 MONTHS INTEREST ON MATURITY",
    "description": "Lock in a fixed return for your savings at a competitive interest rate for 12 months. A Community First term deposit is a safe and secure way to invest your money when you want certainty.",
    "brand": "C",
    "brandName": "Community First Credit Union",
    "applicationUri": "https://communityfirst.com.au/products/term-deposits",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://communityfirst.com.au/products/term-deposits",
      "termsUri": "https://communityfirst.com.au/support/important-information/disclosure-documents",
      "eligibilityUri": "https://communityfirst.com.au/support/important-information/disclosure-documents",
      "feesAndPricingUri": "https://communityfirst.com.au/tools/rates-and-fees"
    }
  }
}