Credit Union SA - Fees and Rates

Savings & Investments

Click on a savings and investment type to expand and collapse the interest rates.

Everyday Account - Rates

Balance tiers		% pa
All balances		0.00

Cash Management Account - Rates

Balance tiers		% pa
Less than $5,000		1.50%
$5,000 to less than $20,000		1.75%
$20,000 to less than $50,000		2.50%
$50,000 to less than $100,000		3.25%
$100,000 and over		3.75%

Retirement Deeming Account - Rates

Balance tiers		% pa
Up to and including $42,000		3.05%
Portion of balance over $42,000 up to $75,000		4.55%
Portion of balance over $75,000		4.60%

Offset Account - Rates

Balance tiers		% pa
Interest is offset against your loan account		0.00

+ Savings Accounts

Christmas Savings Account - Rates

Balance Tiers		% pa
Less than $500		0.75
$500 and over		1.25
Bonus interest added if conditions are met		0.75%

Bonus Savings Account - Rates

Balance Tiers		% pa
Less than $5,000		0.75
- less than $5,000 with bonus		2.75
$5,000 to less than $20,000		1.00
- $5,000 to less than $20,000 with bonus		3.00
$20,000 plus		1.50
- $20,000 plus with bonus		3.50

Online Savings Account - Rates

Balance Tiers		% pa
Less than $5,000		2.50
- less than $5,000, with bonus		4.25
$5,000 and more		3.00
- $5,000 and more, with bonus		4.75

+ Fee Free Accounts

Children's Savings Account - Rates

Balance Tiers		% pa
Less than $500		1.00%
$500 to less than $5,000		1.50%
$5,000 and over		2.00%
Bonus interest added if conditions are met		1.75%

First Home Saver Account - Rates

Balance Tiers		% pa
Entire Balance		4.75%
After tax rate		4.04%

Tertiary Student Account - Rates

Balance Tiers		% pa
Less than $500		1.25%
$500 to less than $5,000		1.75%
$5,000 and over		2.25%

Uniting Church Account - Rates

Balance Tiers		% pa
All balances		3.00%

Association Account - Rates

Balance Tiers		% pa
Less than $5,000		1.50%
$5,000 to less than $150,000		3.25%
$150,000 and over		4.00%

+ Fixed Term Investment

Notes:
Minimum investment $5,000.
Minimum term 3 months.

3 Month Term Investment - Rates

Balance Tiers		%pa
$5,000 to less than $50,000		3.90
$50,000 to less than $100,000		4.20
$100,000 or more		4.25

6 Month Term Investment - Rates

Balance Tiers		%pa
$5,000 to less than $50,000		4.25
$50,000 to less than $100,000		4.50
$100,000 or more		4.75

9 Month Term Investment - Rates

Balance Tiers		%pa
$5,000 to less than $50,000		3.75
$50,000 to less than $100,000		4.00
$100,000 or more		4.25

12 Month Term Investment - Rates

Balance Tiers		%pa
$5,000 to less than $50,000		5.65
$50,000 to less than $100,000		6.15
$100,000 or more		6.25

+ Accelerator Term Investment

Notes:
Minimum deposit applies.
Interest rates increase periodically.
Interest can be reinvested, paid by cheque to account holder or credited to a Satisfac savings account. See Savings & Investments product information for full details.

12 Month Accelerator - Rates

Quarters		% pa
1st quarter		2.75
2nd quarter		4.00
3rd quarter		5.40
4th quarter		6.50
Overall yield		4.75

24 Month Accelerator - Rates

Quarters		% pa
1st 6 months		3.10
2nd 6 months		4.10
3rd 6 months		5.90
4th 6 months		7.00
Average annual yield		5.25

+ Regular Income Term Investments

Notes:
Minimum investment $5,000.
Interest cannot be reinvested and must be received by cheque or transfer to a Satisfac savings account.

12 month Regular Income - Rates

Balance tiers	Paid Monthly %pa	Paid Quarterly %pa
$5,000 to less than $50,000	5.55	5.60
$50,000 to less than $100,000	6.05	6.10
$100,000 or more	6.15	6.20

24 Month Regular Income - Rates

Balance tiers	Paid Monthly %pa	Paid Quarterly %pa
$5,000 to less than $50,000	5.80	5.85
$50,000 to less than $100,000	6.30	6.35
$100,000 or more	6.40	6.45

36 Month Regular Income - Rates

Balance tiers	Paid Monthly %pa	Paid Quarterly %pa
$5,000 to less than $50,000	6.30	6.35
$50,000 to less than $100,000	6.80	6.85
$100,000 or more	6.90	6.95

+ Retirement Term Investments

Accelerator Retirement Term Investment - Rates

		% pa
1st Quarter		3.00%
2nd Quarter		4.10%
3rd Quarter		5.60%
4th Quarter		6.70%
Overall Yield		4.95%

Retirement Regular Income Term Investment - Rates

		% pa
1 Year Term		6.15%
2 Year Term		6.40%
3 Year Term		6.90%

If you would like a printable version of our rates, click here.

If you would like a printable version fees and charges, click here.

For more detailed information on our Savings accounts, click here.

Conditions of Use and Interest rate information for accounts no longer on offer is available here.

Before acquiring a product we recommend you read the terms & conditions. The product terms & conditions can be found in the associated product area of the website or in the relevant 'Conditions of Use' and 'Financial Services Guide' which you can download here.

Savings & Investments

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