55+ Account
Available to all members aged 55 and over, our 55+ Account offers great flexibility, whatever your life situation.
Great flexibility, whatever your situation.
Our 55+ Account is a transaction account available to all members aged 55 and over. It offers you the ability to earn higher returns without having to lock funds away and has no monthly account keeping fees. Whether you’re working, receiving a pension or retired, that combination is hard to beat.
Free Visa Debit Card with payWave
You can request a free Visa Debit Card with payWave which you can load into Google Pay™, Apple Pay, Samsung Pay and Garmin Pay™1. Now you can pay for purchases using your smart device, wherever mobile payment systems are offered.
Unbeatable security
With unbeatable security through measures such as the Visa Zero Liability policy2 (which protects against unauthorised transactions) and our own 24/7 fraud monitoring service, you’ll always feel protected.
You’ll also be able to temporarily lock your card (if you misplace it), plus block payWave, international and online transactions whenever you need to – using the Mobile Banking App or Internet Banking.
Online banking 24/7
Online banking with this account is available 24/7 with Internet Banking and our Mobile Banking App. Internet banking will provide you with eStatements as well as the means to securely message each other, reducing paper and postage costs.
No monthly fees
Enjoy no monthly account keeping fees on the 55+ Account.
Free Visa Debit Card
With payWave access. Learn more
24/7 banking
24/7 banking with Internet Banking or our Mobile Banking App.
Safe and secure banking
Unbeatable security through measures such as the Visa Zero Liability policy2 (which protects against unauthorised transactions) and our own 24/7 fraud monitoring service.
Tap. Pay. Done. It’s that easy. Say hello to Google Pay™
55+ Account interest rates
| Product Name | Tier | Interest Rate |
|---|---|---|
| 55+ Account | < $50,000 | 0.25% pa |
| 55+ Account | $50,000 - $250,000 | 1.45% pa |
| 55+ Account | > $250,000 | 1.80% pa |
The 55+ Account pays interest on the portion of your account balance within each tier.
55+ Account fees
Fee
Amount
Monthly Access Fee
$0
ATM Withdrawal Fee (Australia and Overseas)
$0
Start your application now
Apply online
If this sounds like the right account for you, apply online right now!
Already a member?
Open an account using your Mobile Banking App or Internet Banking.
Mobile Banking App
- Select Open new account from the drop-down menu, select the relevant account and follow the instructions.
Internet Banking
- Select Apply for from the top navigation menu, click Account, select the relevant account from the list and follow the instructions.
Contact us
Call our Member Contact Centre on 13 8777.
Visit our friendly staff at 400 King William Street, Adelaide.
FREQUENTLY ASKED QUESTIONS
View all Accounts FAQsAt Credit Union SA, we want you to be able to make the most of what you've earned. That’s why we offer a dedicated 55+ Account that offers members aged 55 and above the ability to earn high returns without having to lock funds away, with no monthly account keeping fees.
With the convenience of being able to manage your money at any time online, Internet Banking is the facility that allows you to do this.
You can:
- Check balances and transaction histories
- View statements
- Transfer funds and manage auto transfers
- Pay bills with BPAY
- View your payroll details and interest earned
- Apply for a loan, Visa Credit Card or an online savings account
- Authorise us to share your banking data under the Consumer Data Right (CDR) with accredited third parties
- Update your contact details and much more.
Talk to us today about setting up with Internet Banking by calling us on 13 8777 or visiting us at 400 King William Street, Adelaide.
The Credit Union SA Mobile Banking App is a simplified version of Internet Banking for your iOS or Android phone. It provides you the tools to easily check balances, pay bills and transfer funds. You can also find general product information and apply for new products.
The Mobile Banking App is protected using the same protocol encryption as Internet Banking, providing all internet enabled mobile phones are 128 bit security enabled.
Yes, you can use your card at any ATM. Although, we don’t charge any fees when using ATMs within Australia1, 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.
Four great reasons to receive eStatements and eCommunications:
It’s quicker
Before our paper statements have even finished printing, you receive an email notification advising that your statement is available for immediate viewing on Internet Banking.
Plus, you receive our latest news as it happens.
It’s safer
Your eStatements reside safe and secure on our Internet Banking site accessible only by you.
It’s smarter
As all your eStatements are stored in one centralised location, you never waste time hunting around for a paper-based statement. And with reduced costs, it allows us to give more back to our members (you).
And it’s greener
You’re playing a major role in helping us do even more towards reducing our carbon footprint.
You can view your eStatements using your Mobile Banking App or Internet Banking.
Mobile Banking App
Go to ‘eStatements’ in the drop-down menu, then ‘View eStatements’ and choose from the list.
Internet Banking
Go to ‘Accounts’ on the top navigation bar, then ‘eStatements’ and choose from the list.
To register for eStatements and eCommunications:
Mobile Banking App
Select eStatements from the drop-down menu, then click Manage eStatements and follow the instructions.
Internet Banking
Select Settings from the top navigation menu, then click Communications and follow the instructions.
If you aren’t registered for Internet Banking, call us on 13 8777 or visit us at 400 King William Street, Adelaide.
Secure banking
We use the latest technology, all run by our highly experienced Fraud Team to keep your identity, your information and your money safe.
So, whether you are banking online, using our Mobile Banking App, or visiting our branches, rest assured that your money and information is safe with us!
Digital Banking
Find out more about our Mobile Banking App, Internet Banking, Digital Wallets and the New Payments Platform (NPP).
Internet Banking
Our Internet Banking is convenient, easy-to-use and secure, and can be accessed 24/7 from your desktop computer or smart device.
The credit union difference
At Credit Union SA, we offer all the same services as a bank but with one very important difference - our highest priorities are our members and our community.
RELATED CONTENT
How we
can help
Contact us
You can contact us by calling us, visiting us, making an appointment, using Web Chat or Secure Mail.
Call us
We’re here to answer any questions you might have – make sure you have your Access Code ready!
Visit us
Our friendly staff at 400 King William Street, Adelaide can help you with all your banking needs.
Make an appointment
Don't have time to visit us? We can come to you! Book an appointment with us now.
INFORMATION YOU SHOULD KNOW
Download a copy of our Home Loan Interest Rates, Lending Fees and Charges, and our Terms and Conditions. Interest rates are subject to change and special offers may be withdrawn at any time.
The target market for this product can be found within the product’s Target Market Determination (TMD), available at creditunionsa.com.au/legal/terms-and-conditions/target-market-determination.
*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.
1
Android, Google Pay, and the Google Logo are trademarks of Google LLC. Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. iPad Pro is a trademark of Apple Inc. Samsung Pay is a trademark of Samsung Electronics Co., Ltd. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.
2
Visa's Zero Liability policy covers Australian and New Zealand-issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions. Cardholders should notify their Issuer promptly of any unauthorised Visa use. Please consult your Issuer for additional details.