{
  "source": "https://public.cdr-api.queenslandcountry.bank/cds-au/v1/banking/products/66",
  "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": "66",
    "effectiveFrom": "2025-02-12T13:30:00.0000000Z",
    "lastUpdated": "2026-07-16T08:00:24.0755223Z",
    "productCategory": "TERM_DEPOSITS",
    "name": "FMD 3 Mth Int at Maturity",
    "description": "Farm Management Deposit Accounts (FMDA's) are available for terms from 3-24 months. This product allows members to lock funds away for the agreed period, at the agreed rate with options for earned interest to be paid monthly, annually or at maturity.",
    "brand": "Queensland Country Bank",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.queenslandcountry.bank/business-banking/agribusiness/farm-management-deposit-account/",
      "termsUri": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_account-access-facility.pdf",
      "feesAndPricingUri": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf"
    },
    "constraints": [
      {
        "constraintType": "MIN_BALANCE",
        "additionalValue": "1000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS",
        "additionalInfo": "For further information on FMDA eligibility criteria and conditions refer to the Australian Government Department of Agriculture and Water Resources and also the Australian Taxation Office"
      }
    ],
    "fees": [
      {
        "name": "Early Redemption Fee",
        "feeType": "WITHDRAWAL",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "INTEREST_ACCRUED",
          "rate": "0.02",
          "amountRange": {}
        },
        "currency": "AUD",
        "additionalInfo": "Calculated as follows: Principal x (Early Redemption Rate of 2%) x (days invested/365)",
        "additionalInfoUri": "https://www.queenslandcountry.bank/siteassets/documents/brochures/brochure_fees-charges.pdf"
      }
    ],
    "depositRates": [
      {
        "depositRateType": "FIXED",
        "rate": "0.035",
        "calculationFrequency": "P1D",
        "applicationType": "MATURITY",
        "additionalValue": "P3M"
      }
    ]
  }
}