{
  "source": "https://public.cdr.familyfirst.com.au/cds-au/v1/banking/products/bcbd63aa-5324-49be-a1a7-aae567b33989",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "brand": "FAMILY FIRST CREDIT UNION LTD",
    "description": "Get through those peak periods of unexpected bills with our Unsecured Overdraft, speak to a friendly member of our staff to calculate how much you could borrow based off your income.",
    "isTailored": false,
    "lastUpdated": "2026-02-15T01:06:32.483702Z",
    "name": "Overdrafts",
    "productCategory": "OVERDRAFTS",
    "productId": "bcbd63aa-5324-49be-a1a7-aae567b33989",
    "additionalInformation": {
      "overviewUri": "https://familyfirst.com.au/loans/overdrafts/",
      "termsUri": "https://familyfirst.com.au/about-us/disclosure-statements/",
      "eligibilityUri": "https://familyfirst.com.au/wp-content/uploads/2023/12/Family-First-TMD-Overdraft-Unsecured-Nov-2023.pdf",
      "feesAndPricingUri": "https://familyfirst.com.au/loans/loan-interest-rates/",
      "bundleUri": null,
      "additionalOverviewUris": null,
      "additionalTermsUris": null,
      "additionalEligibilityUris": null,
      "additionalFeesAndPricingUris": null,
      "additionalBundleUris": null
    },
    "applicationUri": "https://familyfirst.com.au/loans/application/",
    "brandName": "FF PM Production",
    "cardArt": [],
    "effectiveFrom": "2023-08-15T14:00:00Z",
    "effectiveTo": null,
    "bundles": [],
    "constraints": [
      {
        "constraintType": "MIN_BALANCE",
        "additionalInfo": "",
        "additionalInfoUri": null,
        "additionalValue": "500.00"
      },
      {
        "constraintType": "MAX_BALANCE",
        "additionalInfo": "",
        "additionalInfoUri": null,
        "additionalValue": "30000.00"
      }
    ],
    "depositRates": [],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalInfo": "",
        "additionalInfoUri": null,
        "additionalValue": "18"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Terms and conditions apply",
        "additionalInfoUri": null,
        "additionalValue": ""
      }
    ],
    "features": [
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalInfo": "",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalInfo": "",
        "additionalInfoUri": null,
        "additionalValue": "Visa Debit Card"
      },
      {
        "featureType": "OVERDRAFT",
        "additionalInfo": "",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalInfo": "",
        "additionalInfoUri": null,
        "additionalValue": "Apple or Android"
      }
    ],
    "fees": [
      {
        "feeType": "EVENT",
        "name": "Loan Establishment Fee - Overdraft",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Applies when you apply for an Overdraft",
        "additionalInfoUri": null,
        "additionalValue": null,
        "amount": "250.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "EVENT",
        "name": "Default Notice Fee",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Applies when you fail to make your contracted repayments and we are required to issue a default notice to you.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "amount": "30.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "EVENT",
        "name": "Subsequent Default Notice Issue",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Applies when you fail to make your contracted repayments and we are required to issue a subsequent default notice to you.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "amount": "50.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "EVENT",
        "name": "Bank Cheque Fee",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Applies when we issue you with a Bank Cheque.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "amount": "10.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "EVENT",
        "name": "Loan Establishment Fee - Personal Loan",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Applies when you apply for a Personal Loan",
        "additionalInfoUri": null,
        "additionalValue": null,
        "amount": "250.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "EVENT",
        "name": "Loan Account Variation/Switching Fee",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Applies when any change is made to a loan contract or switching of a loan product",
        "additionalInfoUri": null,
        "additionalValue": null,
        "amount": "150.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "EVENT",
        "name": "Loan Establishment Fee - Mortgage",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Applies when you apply for a Mortgage related loan",
        "additionalInfoUri": null,
        "additionalValue": null,
        "amount": "250.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "EVENT",
        "name": "Loan Establishment Fee - Unsecured Line of Credit",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Applies when you apply for an Unsecured Line of Credit",
        "additionalInfoUri": null,
        "additionalValue": null,
        "amount": "250.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "VARIABLE",
        "name": "Rate Lock Fee",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Applies when you apply to lock in an interest rate on your loan prior to settlement",
        "additionalInfoUri": null,
        "additionalValue": null,
        "amount": null,
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "EVENT",
        "name": "Personal/Home Loan Redraw Facility",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Applies when you apply for a redraw of funds on your loan",
        "additionalInfoUri": null,
        "additionalValue": null,
        "amount": "25.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "EVENT",
        "name": "Miscellaneous Dealing Fee",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Applies when a change is made to security documents e.g. title production, prepare and consent to 2nd mortgage",
        "additionalInfoUri": null,
        "additionalValue": null,
        "amount": "150.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "EVENT",
        "name": "Discharge of Mortgage Settlement Fee",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Applies when settling a discharge of mortgage",
        "additionalInfoUri": null,
        "additionalValue": null,
        "amount": "250.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      },
      {
        "feeType": "EVENT",
        "name": "IPEX",
        "accrualFrequency": null,
        "accruedRate": null,
        "additionalInfo": "Applies per transfer",
        "additionalInfoUri": null,
        "additionalValue": null,
        "amount": "15.00",
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.1450000000000000",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "comparisonRate": null,
        "interestPaymentDue": "IN_ARREARS",
        "loanPurpose": null,
        "repaymentType": null,
        "tiers": []
      }
    ]
  }
}