We’re partnering with Big Fat Smile

Our Partner Benefits Program.

Tools to help you understand and improve your financial position.Your financial wellness is packed with tools so you can start your plan for your financial future or keep you in check.

Mobile banking services for you when you need someone to come to you for a more detailed discussion

A partnership model where Illawarra shares some of the product revenue with Big Fat Smile who can choose how they reinvest.

A full range of financial products and services for you to choose from with no account keeping fees.


Click on the link for your financial wellness or open account


Illawarra waives all account keeping fees.


We make a quarterly payment to Big Fat Smile based on the amount of business.

Benefits of banking with Illawarra Credit Union

$0 account keeping fees.

No monthly account keeping fee on your accounts. Just note, some ad hoc fees may still apply.

Real-time banking.

Transfer money to family and friends within 15 seconds with Osko® and PayID.

All five Pays solutions.

We’ve got them all (ahead of the banks, might we add!).

Online banking.

Access your accounts 24/7 via internet banking or our mobile banking app, moneytree.


We’ve won 49 awards across our product suite! This includes our home loans, personal loans, and savings accounts.


We're committed to supporting our local community, and by simply banking with us, you can positively impact the BFS community.

important notes

Illawarra Credit Union Limited is the product issuer of the deposit and payment products. Any advice given is of a general nature only and does not take into consideration your objectives, financial situation or needs. Please consider the appropriateness of the advice before acting. Refer to the Account and Access Facility Conditions of Use and the Fees, Charges and Transaction Limits brochure for more details. Fees and charges are payable. Terms and conditions apply and are available on request.  Eligibility criteria, terms & conditions, fees & charges apply. Please refer to the Credit Fees and Charges brochure for current details on fees and charges applicable to our loans.  BPAY® registered to BPAY Pty Ltd ABN 69 079 137 518.  Osko® is a registered trademark by BPAY Pty Ltd ABN 69 079 137 518. Android, Google Pay, and the Google Logo are trademarks of Google LLC. Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Watch is a trademark of Apple Inc. App Store is a service mark of Apple Inc. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Fitbit and the Fitbit logo are trademarks or registered trademarks of Fitbit, Inc. in the U.S. and other countries. Garmin, the Garmin logo, and the Garmin delta are trademarks of Garmin Ltd. 

Make the switch!

Are you tired of paying too much to the big banks? Our lenders will come to you.