{
  "source": "https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/15",
  "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": "15",
    "effectiveFrom": "1999-01-06T13:30:00.0000000Z",
    "lastUpdated": "2026-05-20T04:00:33.3305724Z",
    "productCategory": "TERM_DEPOSITS",
    "name": "I12 FTD 12 Months",
    "description": "12 Month Term Deposit Interest Paid at Maturity. A fixed term savings account offers a safe, guaranteed rate of return on your money for the life of the investment. FSCU offer a range of terms to suit your needs and goals",
    "brand": "Fire Service Credit Union",
    "applicationUri": "https://www.fscu.com.au/accounts/term-deposits/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.fscu.com.au/accounts/term-deposits/",
      "termsUri": "https://www.fscu.com.au/accounts/term-deposits/",
      "eligibilityUri": "https://www.fscu.com.au/why-us/membership/",
      "feesAndPricingUri": "https://www.fscu.com.au/rates/"
    },
    "constraints": [
      {
        "constraintType": "MIN_BALANCE",
        "additionalValue": "5000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS",
        "additionalInfo": "Available for all members"
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "Available for all members"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services.",
        "additionalInfoUri": "https://www.fscu.com.au/why-us/membership/"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Australian Residents only"
      }
    ],
    "fees": [
      {
        "name": "Term Deposit Early Withdrawal",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "20.00"
        },
        "currency": "AUD",
        "additionalInfo": "Term Deposit Early Withdrawals: Interest penalty payable on funds withdrawn from a Term Deposit investment prior to the maturity date, by way of reduction of the interest accrued on those withdrawn funds.\r\n\r\n50% + $20.00 Admin Fee"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "FIXED",
        "rate": "0.0405",
        "calculationFrequency": "P1D",
        "applicationType": "MATURITY",
        "applicationFrequency": "P12M",
        "tiers": [
          {
            "name": "Fixed",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "5000.00",
            "maximumValue": "24999.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P12M"
      },
      {
        "depositRateType": "FIXED",
        "rate": "0.0405",
        "calculationFrequency": "P1D",
        "applicationType": "MATURITY",
        "applicationFrequency": "P12M",
        "tiers": [
          {
            "name": "Tier 2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "25000.00",
            "maximumValue": "1000000.00",
            "rateApplicationMethod": "WHOLE_BALANCE"
          }
        ],
        "additionalValue": "P12M"
      }
    ]
  }
}