{
  "source": "https://openbanking.ddbank.com.au/OpenBanking/cds-au/v1/banking/products/I2_3M_%24500-%244%2C999",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Internet Banking and WCU Connect App - Deposits and balance enquires only"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No account keeping fee"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "A guaranteed rate for terms of 3 months"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Earn a competitive interest rate on your investment with a minimum opening balance of $500 can get you started"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Interest paid at maturity"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "We'll send you a written renewal notice before your deposit matures"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "We may allow early withdrawals at our absolute discretion. A reduced rate of interest will apply in these circumstances. For full details refer to our Conditions of Use"
      }
    ],
    "constraints": [
      {
        "constraintType": "OPENING_BALANCE",
        "additionalValue": "500.00",
        "additionalInfo": "Minimum Balance $500"
      },
      {
        "constraintType": "MAX_BALANCE",
        "additionalValue": "4999.00",
        "additionalInfo": "Maximum Balance $4,999"
      },
      {
        "constraintType": "MIN_BALANCE",
        "additionalValue": "500.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": "Individuals must be citizens or permanent residents of Australia"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Must be a member of the Credit Union"
      }
    ],
    "fees": [
      {
        "name": "STATEMENT_FEE",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "currency": "AUD",
        "additionalInfo": "When paper statements are requested - charged on statement cycle"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "FIXED",
        "rate": "0.024",
        "calculationFrequency": "P1D",
        "applicationType": "MATURITY",
        "tiers": [
          {
            "name": "FIXED TERM DEPOSITS_Tier",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "500.00",
            "maximumValue": "4999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          },
          {
            "name": "FIXED TERM DEPOSITS_Tier",
            "unitOfMeasure": "MONTH",
            "minimumValue": "3",
            "maximumValue": "3",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P3M"
      }
    ],
    "productCategory": "TERM_DEPOSITS",
    "productId": "I2_3M_$500-$4,999",
    "lastUpdated": "2026-05-22T09:14:32.000+10:00",
    "name": "FIXED TERM DEPOSITS",
    "description": "Take advantage of great returns on our term deposits",
    "brand": "WARWICK CREDIT UNION",
    "brandName": "WARWICK CREDIT UNION",
    "isTailored": false,
    "additionalInformation": {}
  }
}