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 |
2.25% |
|
$20,000 - $49,999 |
2.75% |
|
$50,000 - $99,999 |
3.00% |
|
$100,000 + |
3.50% |
|
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 |
3.75% |
|
$50,000 + |
3.75% |
|
Christmas account
|
|
Balance |
Interest Rate (pa) |
|
$0 - $1,999 |
0.10% |
|
$2,000 + |
1.00% |
|
CU+ Saver
|
|
Balance |
Interest Rate (pa) |
|
$0 plus (nominal interest)
|
0.05% |
|
$0 plus (bonus interest) |
4.55% |
|
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 |
3.50% |
4.60% |
4.70% |
4.80% |
|
4 months |
3.50% |
3.50% |
3.50% |
3.50% |
|
5 months |
3.50% |
3.50% |
3.50% |
3.50% |
|
6 months |
3.50% |
4.50% |
4.60% |
4.70% |
|
7 months |
3.50% |
3.50% |
3.50% |
3.50% |
|
8 months |
3.50% |
3.50% |
3.50% |
3.50% |
|
9 months |
3.50% |
3.50% |
3.50% |
3.50% |
|
10 months |
3.50% |
3.50% |
3.50% |
3.50% |
|
12 months |
3.50% |
4.40% |
4.40% |
4.50% |
|
Six Monthly Interest |
|
|
$1,000 - $4,999 |
$5,000 - $9,999 |
$10,000 - $24,000 |
$25,000 - $99,999 |
|
13-23 months |
3.35% |
4.25% |
4.25% |
4.35% |
|
24 months |
3.40% |
4.30% |
4.30% |
4.40% |
|
Monthly Interest |
|
|
$1,000 - $4,999 |
$5,000 - $9,999 |
$10,000 - $24,000 |
$25,000 - $99,999 |
|
12 months |
3.40% |
4.10% |
4.10% |
4.20% |
|
24 months |
3.50% |
4.20% |
4.20% |
4.30% |
|
36 months |
3.50% |
4.20% |
4.20% |
4.30% |
|
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 |
4.20% |
4.20% |
4.30% |
For interest rates on term deposit amounts of $100,000+, please contact the Credit Union directly on 13 22 49 .
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 17/05/2012 and are subject to change.
Shoalhaven Community Credit Union is a division of Community Alliance Credit Union Limited the product issuer of the deposit and payment products. ABN 14 087 650 771 AFSL No. 245 576. Any advice given is of general nature only and does not take into consideration your objectives, financial situation or needs. Please consider the appropriateness of the advice before acting.
13 22 49 
Rates and Fees 
