Effective as at 22nd July 2025 - For more information, visit our Deposit section

Deposit Accounts

Account Name Account Type Balance Tiers Interest Rate Per Annum %
On Call 
Budget
No 2 
Whole of Pay		 S1
S2
S3
S7		 $1 to $4,999.99
$5,000 and over*		 0.05
0.05(*on this portion of total  balance)
Christmas Club S4 Whole Balance 1.55
Community Proud 
Investment Savings 
 		 S5
S9		 $1 to $199.99
$200 to $19,999.99
$20,000 to $49,999.99
$50,000 and over		 Nil
1.35
1.55
1.90
Golden S6 $1 to $24,999.99
$25,000 and over*		 1.35
1.75 (* on this portion of total balance)
E Access Saver S8 $1 to $4,999.99
$5,000 to $49,999.99
$50,000 and over		 1.40
1.60
1.95

Cash Management
Mortgage Smart Plus

S10
S12, S18

 $1 to $4,999.99
$5,000 to $9,999.99
$10,000 to $24,999.99
$25,000 to $49,999.99
$50,000 and over		 1.30
1.35
1.45
1.55
1.90

Business Smart

S90

 $1 to $4,999.99
$5,000 to $9,999.99
$10,000 to $24,999.99
$25,000 to $49,999.99
$50,000 and over		 1.30
1.35
1.45
1.55
1.90
Pocket Rocket School  S14 Whole Balance 1.85
 

Fixed Term Deposit Accounts

$500 to less than $5000

Term Account Type $500 < $5000
3 Months to less than 6 months I8 2.15
6 months to less than 12 months I1 2.15
12 months to 24 months I5 2.15

$5,000 +

Term Account Type $5000 +
3 Months to less than 6 months I6 2.70
6 months to less than 12 months I3 3.00
12 months to less than 18 months I4 3.65
18 months to 24 months I4 3.35

'Regular Income Account' $5,000 +

Term Account Type $5000 +
12 months to less than 18 months I15 3.50
18 months to less than 24 months I17 3.30

The Credit Union reserves the right to accept and negotiate all deposits over $100,000.

Full Terms and Conditions available on application.

Important Notice: The Credit Union gives the depositor the right to redeem their Fixed Term Deposit (in full) prior to maturity, subject to at least 7 days notice being provided . The Credit Union shall have the the right to reduce the interest payable on such deposit where redeemed prior to maturity. Interest in this circumstance will be calculated at the credit union's "Recast Rate" which will be the greater of either 2% below the existing deposit rate, or the current  maximum "On Call Savings -S1" rate available. If Fixed term Deposit has been lodged for less than 1 month at early redemption, no interest will be payable.

Refer to the Summary of Accounts and availability of Access Facilities for how Interest is calculated, when Interest is paid and how to access the accounts.

Fees and Charges may also appl

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