{
  "source": "https://ob.tmbl.com.au/tmbank/cds-au/v1/banking/products/e556280d-1d2b-4fb1-b22f-151e8050bdda",
  "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": "e556280d-1d2b-4fb1-b22f-151e8050bdda",
    "lastUpdated": "2026-07-13T17:18:27.000+10:00",
    "productCategory": "TERM_DEPOSITS",
    "name": "Term Deposit for Edvest Members",
    "description": "Take advantage of great returns on our term deposits.",
    "brand": "TMB",
    "brandName": "Teachers Mutual Bank",
    "applicationUri": "https://www.tmbank.com.au/banking/term-deposit",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.tmbank.com.au/banking/term-deposit",
      "termsUri": "https://www.tmbank.com.au/content/dam/documents/collateral/conditions-of-use.pdf",
      "eligibilityUri": "https://www.tmbank.com.au/banking/term-deposit",
      "feesAndPricingUri": "https://www.tmbank.com.au/content/dam/documents/collateral/fees-and-charges.pdf"
    },
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "No account keeping fee"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "A guaranteed rate for terms from 3 to 36 months"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Earn a competitive interest rate on your investment with a minimum opening balance of $1,000 can get you started."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Interest can be paid fortnight, monthly, 12 monthly or at maturity."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "For deposits of $1,000,000 and over, rates are by negotiation and subject to acceptance."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "We'll send you a written renewal notice before your deposit matures."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "If you want to withdraw your Term Deposit before it matures you'll need to give us 31 days' notice. A reduced rate of interest will apply in these circumstances. For full details refer to our Conditions of Use.",
        "additionalInfoUri": "https://www.tmbank.com.au/content/dam/documents/collateral/conditions-of-use.pdf"
      },
      {
        "featureType": "DIGITAL_BANKING"
      }
    ],
    "constraints": [
      {
        "constraintType": "OPENING_BALANCE",
        "additionalValue": "1000.00"
      },
      {
        "constraintType": "MIN_BALANCE",
        "additionalValue": "1000.00"
      },
      {
        "constraintType": "MAX_BALANCE",
        "additionalValue": "1000000.00",
        "additionalInfo": "For deposits of $1,000,000 and over, rates are by negotiation and subject to acceptance."
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "This product is only available to members who are 50 years or older and part of our Edvest benefit scheme and currently hold an Everyday Direct or Bill Paying account with us.",
        "additionalInfoUri": "https://www.tmbank.com.au/banking/term-deposit"
      },
      {
        "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.tmbank.com.au/banking/term-deposit"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "Individuals must be citizens or permanent residents of Australia."
      }
    ],
    "fees": [
      {
        "name": "EDVEST_MEMBERSHIP",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "An annual charge debited from the Everyday Direct account on each Edvest membership in January and on a pro-rata basis for new Edvest members."
      }
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        ],
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        ],
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        ],
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        ],
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        "depositRateType": "FIXED",
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        ],
        "additionalValue": "P36M"
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  }
}