{
  "source": "https://ob.tmbl.com.au/fmbank/cds-au/v1/banking/products/505df462-6b43-11f0-b446-325096b39f47",
  "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": "505df462-6b43-11f0-b446-325096b39f47",
    "lastUpdated": "2026-06-29T15:02:16.000+10:00",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "name": "MOMENTUM SAVER",
    "description": "The Momentum Saver account rewards savers with an ongoing bonus interest rate when you deposit a minimum of $100 and make no withdrawals during the month.",
    "brand": "FMB",
    "brandName": "Firefighters Mutual Bank",
    "applicationUri": "https://www.fmbank.com.au/forms/membership?product_tparam=momentum-saver",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.fmbank.com.au/banking/momentum-saver",
      "termsUri": "https://www.fmbank.com.au/forms/membership?product_tparam=momentum-saver",
      "eligibilityUri": "https://www.fmbank.com.au/banking/momentum-saver",
      "feesAndPricingUri": "https://www.fmbank.com.au/content/dam/documents/collateral/fees-and-charges.pdf"
    },
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "Bonus interest earned for each month you deposit a minimum of $100, make no withdrawals during the month and the account has a credit balance at all times during that month."
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "NPP_PAYID"
      },
      {
        "featureType": "NPP_ENABLED"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Track payments with SMS and email alerts."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No fees for accessing your account online or via phone banking."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No monthly access fee."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "No minimum balance."
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.",
        "additionalInfoUri": "https://www.fmbank.com.au/banking/momentum-saver"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": " Individuals must be citizens or permanent residents of Australia."
      }
    ],
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0.001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "MOMENTUM SAVER_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "250000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "100.00"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "MOMENTUM SAVER_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "250000.01",
            "maximumValue": "500000.01",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "100.00"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "MOMENTUM SAVER_Tier_3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "500000.02",
            "maximumValue": "1000000.01",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "100.00"
          }
        ]
      },
      {
        "depositRateType": "VARIABLE",
        "rate": "0.001",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "MOMENTUM SAVER_Tier_4",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1000000.02",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "100.00"
          }
        ]
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.05",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "MOMENTUM SAVER_Tier_1",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "0.00",
            "maximumValue": "250000.00",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "100.00"
          }
        ],
        "additionalValue": "Bonus interest earned for each month you deposit a miniumum of $100, make no withdrawals during the month and the account has a credit balance at all times during the month."
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.049",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "MOMENTUM SAVER_Tier_2",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "250000.01",
            "maximumValue": "500000.01",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "100.00"
          }
        ],
        "additionalValue": "Bonus interest earned for each month you deposit a miniumum of $100, make no withdrawals during the month and the account has a credit balance at all times during the month."
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.049",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "MOMENTUM SAVER_Tier_3",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "500000.02",
            "maximumValue": "1000000.01",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "100.00"
          }
        ],
        "additionalValue": "Bonus interest earned for each month you deposit a miniumum of $100, make no withdrawals during the month and the account has a credit balance at all times during the month."
      },
      {
        "depositRateType": "BONUS",
        "rate": "0.0465",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "tiers": [
          {
            "name": "MOMENTUM SAVER_Tier_4",
            "unitOfMeasure": "DOLLAR",
            "minimumValue": "1000000.02",
            "rateApplicationMethod": "PER_TIER"
          }
        ],
        "applicabilityConditions": [
          {
            "rateApplicabilityType": "MIN_DEPOSIT_AMOUNT",
            "additionalValue": "100.00"
          }
        ],
        "additionalValue": "Bonus interest earned for each month you deposit a miniumum of $100, make no withdrawals during the month and the account has a credit balance at all times during the month."
      }
    ]
  }
}