{
  "source": "https://public.cdr.mystate.com.au/cds-au/v1/banking/products/defd974a-ae1b-4c5f-a91c-f4f3fac7e101",
  "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": "MYSTATE",
    "description": "If you have money to invest, and you want reliable investment returns, a term deposit from MyState Bank may be just what you need.",
    "isTailored": false,
    "lastUpdated": "2026-07-15T20:00:00.609614Z",
    "name": "Online Term Deposit",
    "productCategory": "TERM_DEPOSITS",
    "productId": "defd974a-ae1b-4c5f-a91c-f4f3fac7e101",
    "additionalInformation": {
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      "termsUri": "https://mystate.com.au/legal/",
      "eligibilityUri": "https://mystate.com.au/legal/",
      "feesAndPricingUri": "https://mystate.com.au/legal/",
      "bundleUri": null,
      "additionalOverviewUris": null,
      "additionalTermsUris": null,
      "additionalEligibilityUris": null,
      "additionalFeesAndPricingUris": null,
      "additionalBundleUris": null
    },
    "applicationUri": "https://application.mystate.com.au/form/msb/online-application/?account=td1mth",
    "brandName": "My State PM Production",
    "cardArt": [],
    "effectiveFrom": null,
    "effectiveTo": null,
    "bundles": [],
    "constraints": [
      {
        "constraintType": "MIN_BALANCE",
        "additionalInfo": null,
        "additionalInfoUri": "https://mystate.com.au/legal/",
        "additionalValue": "5000.00"
      }
    ],
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        "depositRateType": "FIXED",
        "rate": "0.04",
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        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_savings.pdf",
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        "applicationFrequency": "P5M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
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            "applicabilityConditions": null,
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        ]
      },
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        "depositRateType": "FIXED",
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        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_savings.pdf",
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        "applicationFrequency": "P8M",
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        "tiers": [
          {
            "minimumValue": 8,
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        ]
      },
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        "additionalInfo": "Minimum balance $5,000",
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          {
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            "name": "P7M",
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        ]
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        "additionalInfo": "Minimum balance $5,000",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_savings.pdf",
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          {
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            "name": "P10M",
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            "additionalInfoUri": null,
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        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_savings.pdf",
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            "additionalInfoUri": null,
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            "applicabilityConditions": null,
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            "rateApplicationMethod": "PER_TIER"
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        "additionalInfo": "Minimum balance $5,000",
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        "applicationFrequency": "P2M",
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            "unitOfMeasure": "MONTH",
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            "additionalInfoUri": null,
            "applicabilityConditions": null,
            "maximumValue": 2,
            "rateApplicationMethod": "PER_TIER"
          }
        ]
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        "depositRateType": "FIXED",
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        "additionalInfo": "Minimum balance $5,000",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_savings.pdf",
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        "tiers": [
          {
            "minimumValue": 4,
            "name": "P4M",
            "unitOfMeasure": "MONTH",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": null,
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            "rateApplicationMethod": "PER_TIER"
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        ]
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        "depositRateType": "FIXED",
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        "additionalInfo": "Minimum balance $5,000",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_savings.pdf",
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        "applicationFrequency": "P3M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
            "minimumValue": 3,
            "name": "P3M",
            "unitOfMeasure": "MONTH",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": null,
            "maximumValue": 3,
            "rateApplicationMethod": "PER_TIER"
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        ]
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        "additionalInfo": "Minimum balance $5,000",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_savings.pdf",
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        "applicationFrequency": "P6M",
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        "tiers": [
          {
            "minimumValue": 6,
            "name": "P6M",
            "unitOfMeasure": "MONTH",
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            "additionalInfoUri": null,
            "applicabilityConditions": null,
            "maximumValue": 6,
            "rateApplicationMethod": "PER_TIER"
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        ]
      },
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        "additionalInfo": "Minimum balance $5,000",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_savings.pdf",
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        "applicationFrequency": "P12M",
        "calculationFrequency": "P1D",
        "tiers": [
          {
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            "name": "P12M",
            "unitOfMeasure": "MONTH",
            "additionalInfo": null,
            "additionalInfoUri": null,
            "applicabilityConditions": null,
            "maximumValue": 12,
            "rateApplicationMethod": "PER_TIER"
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        ]
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        "additionalInfo": "Minimum balance $5,000",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_savings.pdf",
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        "tiers": [
          {
            "minimumValue": 11,
            "name": "P11M",
            "unitOfMeasure": "MONTH",
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            "additionalInfoUri": null,
            "applicabilityConditions": null,
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            "rateApplicationMethod": "PER_TIER"
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        ]
      },
      {
        "depositRateType": "FIXED",
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        "additionalInfo": "Minimum balance $5,000",
        "additionalInfoUri": "https://mystate.com.au/wp-content/uploads/rates_savings.pdf",
        "additionalValue": "P24M",
        "applicationFrequency": "P24M",
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            "name": "P24M",
            "unitOfMeasure": "MONTH",
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            "additionalInfoUri": null,
            "applicabilityConditions": null,
            "maximumValue": 24,
            "rateApplicationMethod": "PER_TIER"
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        ]
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    ],
    "eligibility": [
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": null,
        "additionalInfoUri": "https://mystate.com.au/legal/",
        "additionalValue": null
      }
    ],
    "features": [],
    "fees": [
      {
        "feeType": "EVENT",
        "name": "Early Withdrawal",
        "accrualFrequency": "P1D",
        "accruedRate": "1.0000000000000000",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": null,
        "amount": null,
        "balanceRate": null,
        "currency": "AUD",
        "discounts": [],
        "transactionRate": null
      }
    ],
    "lendingRates": []
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}