Christmas account

what's included.

Save in time for Christmas

Always on.

24/7 access with e-statements, internet banking & our moneytree app - banking from your phone or tablet.

$0 account keeping fees.

No monthly account keeping fees & no minimum monthly deposits.

Fatten up your savings.

Earn interest on the amount you save.

Here's what you need to know.

It’s easy to apply online

who can apply?

Our Christmas savings account is here to help our customers reach their goals in time for the end of the year. There’s a minimum of $1 needed to kick-start your savings goal with a limit of one per membership permitted. You’ll need a transaction account to do any of your regular banking such as paying your bills.

Your Everyday account may have different fees and charges please refer to our Fees and Charges.

Other transaction fees and charges may apply, please refer to our Fees and Charges.

what you’ll need

An email address and contact number
Member number (If you’re already a customer)
If your not already a customer you’ll need an Australian driver’s licence, Medicare card, passport details or Australian birth certificate to identify yourself

Interest & Fees

Interest is paid yearly on the closing tier balance credited 31 October before the penalty free period, which is between 1 November to 31 January.

Early withdrawal fee of $5.00 will be charged when you make a withdrawal from your Christmas account outside of the free period of the 1st of November to 31st January.

Refer to our Fees and Charges, Summary of Accounts & Availability of Access Facilities, and our rates and fees for more information.

balance	interest rate
$0 – $29,999	0.65% p.a.
$30,000 +	0.00% p.a.

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 and Charges for more details. Fees and charges are payable. Terms and conditions apply and are available on request. BPAY^®registered to BPAY Pty Ltd ABN 69 079 137 518.

Financial resolutions for the New Year

1st Jan 2019 · Approx. 3 min read · Saving

Don’t get fuzzy Be bold and set clear goals. What’s been on your mind most this year? Credit card debts? Overspending? Wanting to save for a home? An underperforming super fund? The more you can narrow your focus, the more precisely…

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