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Credit Cards and Overdrafts

Fee Amount
Visa Credit Card Annual Fee
Visa Credit Card Annual Fee$39
Education Community Credit Card Annual Fee$0
Visa Credit Card linked to Home Loan Package Annual Fee$0
ATM Withdrawal Fee (Australia and Overseas)
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.
Visa Currency Conversion
You perform a transaction in a currency other than Australian dollars using a Visa card. This fee is included in the AUD amount debited to your account and comprises 2.00% charged by third parties and 1.00% charged by Credit Union SA3% of the AUD transaction amount
Arrears Fee
Payable whenever we send you a letter because you do not make a repayment in full on or before the date it is due and the default continues for three days or more.
Letter 1 – arrears 3 to 10 days
Letter 2 – arrears 11 to 18 days
Letter 3 – arrears 19 to 26 days
Letter 4 – arrears 27 days or more
First letter$0
Subsequent letters$10
Overdraft Establishment Fee
Payable when you apply for a new overdraft limit or an increase to an existing overdraft limit$60
Overdraft Transaction Fees
Transaction and monthly fees may also apply on your overdraft account. Please refer to the Accounts tab for transaction account fees