Transaction Accounts, Savings Accounts and Term Deposits

An account from Credit Union SA can help you to take control of your everyday accounts, or even save towards your goals.

Our accounts support the full range of digital payment options including Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay — so you can pay your way.

To make the most of your savings, make sure you earn interest on the money you’re putting aside. Credit Union SA has some great options for you. It can also be highly motivating to see your balance growing along the way. So consider downloading our Mobile Banking App or subscribing to Internet Banking, so you can check your progress 24/7.


Transaction Accounts

Outstanding day-to-day banking

On the go accounts to get the job done quickly and affordably, wherever you are and whatever you’re paying for.

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Help me to...

Set a budget

The Budget Planner calculator helps you track your finances and where your money is allocated.

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Personalise my banking

You can now give your accounts a nickname, which is great for knowing what’s what in your own personalised way.

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Go on a holiday

Our guide to preparing for your big trip away.

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Savings Accounts and Term Deposits

Let your money do more for you

Our Savings Accounts and Term Deposits will help you reach your financial goals, with reassuring security and added reward for regular contributions.

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Help me to...

Save for a house deposit

Calculate your accumulated savings as well as interest accumulated over a specified time term.

Calculate now

Plan for my future

Unfortunately, a lack of planning for your financial security usually translates to a lack of future choice.

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Pay off debt while saving

Learning how to make your money work for you and still managing to save could make a big difference.

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Teach my kids about money

What is 'financial literacy’ anyway? Simply put, it’s just a fancy name for being able to make more informed decisions when it comes to money.

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Enjoy the benefits of being part of a credit union that helps you do more with your money.

Call us or visit us at 400 King William Street, Adelaide.

Own your banking: The credit union difference

We are a member owned organisation, so it is our members – everyone who banks with us – who collectively own us. Consequently, it’s them, their families and communities who are our top priority.

Learn more about us

Frequently asked questions
View all Accounts FAQs

Our savings accounts are designed to encourage and reward members for maintaining a regular savings program.

None of our savings accounts have transaction fees or monthly fees. Other fees and charges may apply.


Terms and conditions and interest rate information for accounts no longer on offer is available. For more information about any of these products, you should review our Regulatory disclosures

Credit Union SA has a range of Transaction Accounts for you to choose from giving you the control to select the account type that suits your banking needs best.

The all-in-one Access Account gives you the flexibility to conduct your day-to-day banking whenever and however you want. It’s completely free from transaction fees* and there are no monthly fees.

There are also no fees for card order or reissues, and online banking with this account is available 24/7 with Internet Banking and our Mobile Banking App.

Find out which transaction account is best for you.


*We do not charge any fees when using ATMs within Australia. However, some ATM operators may charge a fee to process your transaction or balance enquiry. If withdrawing cash overseas a fee may be charged by the ATM operator and the details will be disclosed at the time of the transaction or enquiry. Other fees and charges may apply. This is general advice only and you should consider the terms and conditions before determining whether any of our products are suitable to your situation.

This can depend on what you want to use your account for. View a list of all of our accounts, and their benefits.

Alternatively call (08) 8202 7777 during business hours or visit us at 400 King William Street, Adelaide.

At Credit Union SA we're not driven by the need to generate excessive profits in order to return dividends to shareholders like major banks.

As a result, we're able to channel the profits we generate back to our members, in the form of, among other benefits, low fees and great interest rates.

As interest rates are regularly reviewed, check out the most up to date rates or find out more about our savings accounts.

If you wish to stop a direct debit that you previously authorised for a third party supplier to deduct payments from your account, you can contact the supplier directly to request a cancellation or you can request us to contact the supplier and cancel the payment on your behalf. If you request us to stop the payment you must contact us at least five business days before the next payment is due and we recommend you also contact the supplier to avoid any fees that the supplier may charge you as a result of the direct debit being dishonoured. Refer to Section 20 of Deposit Accounts and Access Services Terms and Conditions.

At Credit Union SA we're not driven by the need to generate excessive profits in order to return dividends to shareholders like major banks.

As a result, we're able to channel the profits we generate back to our members, in the form of, among other benefits, low fees and great interest rates.

As interest rates are regularly reviewed, check out the most up to date rates or find out more about our savings accounts.

If an account is opened on behalf of a child, the account operator can choose when to provide access to the child at any time up to the age of 18, at which time the child can automatically claim access themselves.

Yes we do. The Business Banking facility is an addition to our regular Internet Banking service.

If you would like to find out more about how Credit Union SA can assist with accounts for businesses and not-for-profit organisations and clubs, please call us on (08) 8202 7777 or visit us at 400 King William Street, Adelaide.

The Children's Savings Account is perfect for children under the age of 18 wanting to start regular savings habits. Every month a deposit is made without a withdrawal, bonus interest is paid. The account can be set up by the child themselves, or by you (on behalf of the child), wishing to regularly set funds aside for the future.

Who can apply?

  • This account is for anyone under 18 years of age.
  • A parent or legal guardian over 18 years of age can to open the account on behalf of the child (either online or in person).
  • If you’re 12 years of age or over, you can open a Children’s Savings Account without permission from a parent or legal guardian (if you’re not already linked to a membership).

Existing members

Open a child membership by following these instructions:

  1. Log into your Internet Banking
  2. Select Apply for from the top menu
  3. Click Child Membership from the drop-down menu
  4. Complete our online Child Membership form.

Please note you’ll need a photo/scan of the child’s birth certificate or passport to complete the process.

Not a member? (12-18 year olds)

If you’re 12-18 years of age and not already linked to a membership you can join online now. Simply select ‘Just for me’ at the beginning of our online membership form and following the prompts.

Please note you’ll need a at least one form of personal identification.

Join now

Not a member? (Guardian or parent)

If you’re over 18 years of age and would like to join online and open a child membership at the same time. Simply select ‘Me and a child’ at the beginning of our online membership form and follow the prompts.

Please note you’ll need a at least one form of personal identification for you and a photo/scan of the child’s birth certificate or passport to complete the process.

Join now


You should review the Deposit Accounts and Access Services Terms and Conditions to determine if this product is suitable for your personal needs and situation.

News and guides

*We do not charge any fees when using ATMs within Australia. However, some ATM operators may charge a fee to process your transaction or balance enquiry. If withdrawing cash overseas a fee may be charged by the ATM operator and the details will be disclosed at the time of the transaction or enquiry. Other fees and charges may apply. This is general advice only and you should consider the terms and conditions before determining whether any of our products are suitable to your situation.