BSB 802-249 | 
13 22 49
Rates and Fees Savings Interest Rates
Savings Interest Rates
Our interest rates have been designed with you in mind - our members. We do not inflate rates as we do not have shareholders taking a percentage of our profits. Any profits we make are returned to you through better products, rates and fees. Take a look at our current interest rates below.
Transaction Accounts
| Access | |
| Balance | Interest Rate (pa) |
| $0 - $499 | 0.00% |
| $500 - $19,999 | 0.00% |
| $20,000 - $49,999 | 0.00% |
| $50,000 - $99,999 | 0.00% |
| $100,000 + | 0.00% |
| Deeming | |
| Balance | Interest Rate (pa) |
| $0 - $1,999 | 0.25% |
| $2,000 - $44,599 | 3.00% |
| $44,600+ | 4.50 |
| UniSaver | |
| Balance | Interest Rate (pa) |
| $0 - $19,999 | 0.05% |
| $20,000 - $49,999 | 0.15% |
| $50,000 - $99,999 | 0.50% |
| $100,000 + | 0.75% |
| Cash Management | |
| Balance | Interest Rate (pa) |
| $0 - $4,999 | 0.00% |
| $5,000 - $9,999 | 1.75% |
| $10,000 - $19,999 | 2.75% |
| $20,000 - $49,999 | 3.25% |
| $50,000 - $99,999 | 3.50% |
| $100,000 + | 4.00% |
|
Business Account |
|
| Balance | Interest Rate (pa) |
| $0 - $499 | 0.00% |
| $500 - $19,999 | 0.05% |
| $20,000 - $49,999 | 0.15% |
| $50,000 - $99,999 | 0.50% |
| $100,000+ | 0.75% |
Savings Accounts
|
IQ Saver |
|
| Balance | Interest Rate (pa) |
| $0 - $1,999 | 0.00% |
| $2,000 - $49,999 | 4.25% |
| $50,000 + | 4.25% |
|
CU+ Saver & Wildlife Saver |
|
| Balance | Interest Rate (pa) |
|
$0 plus (nominal interest) |
0.05% |
| $0 plus (bonus interest) | 4.55% |
|
Christmas account |
|
| Balance | Interest Rate (pa) |
| $0 - $1,999 | 0.10% |
| $2,000 + | 1.00% |
| Junior Saver | |
| Balance | Interest Rate (pa) |
| $0 - $1,999 | 0.25% |
| $2,000 - $19,999 | 2.00% |
| $20,000 + | 3.00% |
Term Deposit Accounts
| Interest on Maturity | ||||
| $1,000 - $4,999 | $5,000 - $9,999 | $10,000 - $24,000 | $25,000 - $99,999 | |
| 3 months | 4.00% | 5.10% | 5.20% | 5.30% |
| 4 months | 4.00% | 4.00% | 4.00% | 4.00% |
| 5 months | 4.00% | 4.00% | 4.00% | 4.00% |
| 6 months | 4.00% | 5.00% | 5.10% | 5.20% |
| 7 months | 4.00% | 4.00% | 4.00% | 4.00% |
| 8 months | 4.00% | 4.00% | 4.00% | 4.00% |
| 9 months | 4.00% | 4.00% | 4.00% | 4.00% |
| 10 months | 4.00% | 4.00% | 4.00% | 4.00% |
| 12 months | 4.00% | 4.90% | 4.90% | 5.00% |
| Six Monthly Interest | ||||
| $1,000 - $4,999 | $5,000 - $9,999 | $10,000 - $24,000 | $25,000 - $99,999 | |
| 13-23 months | 3.85% | 4.75% | 4.75% | 4.85% |
| 24 months | 3.90% | 4.80% | 4.80% | 4.90% |
| Monthly Interest | ||||
| $1,000 - $4,999 | $5,000 - $9,999 | $10,000 - $24,000 | $25,000 - $99,999 | |
| 12 months | 3.90% | 4.60% | 4.60% | 4.70% |
| 24 months | 4.00% | 4.70% | 4.70% | 4.80% |
| 36 months | 4.00% | 4.70% | 4.70% | 4.80% |
| Privilege Plus Club Bonus Rate* | ||||
| $1,000 - $4,999 | $5,000 - $9,999 | $10,000 - $24,000 | $25,000 - $99,999 | |
| Regular income plus (with fortnightly interest) - 12 months | N/a | 4.70% | 4.70% | 4.80% |
Additional Information
*These rates are 0.10% higher than the above Term Deposits (excluding Six Monthly and Monthly Interest)
**Withdrawals and transfers are permitted between 01 November and 31 January each year without penalty.
Interest rates effective 15/12/2011 and are subject to change.
