Savings Accounts
We have a full range of savings accounts which are designed to help you save, budget and invest. Our junior accounts are designed specifically for our younger members to assist in teaching kids the value of money and developing good savings habits.
IQ Saver
This is a high interest online account designed specifically with the internet user in mind.
-
High variable interest on balances over $2,000
-
No account keeping fees
-
Immediate access to funds 24/7
|
Up to 4.25% pa
interest rate |
|
Additional Information |
|
Features |
IQ Saver |
|
Minimum opening balance |
$1 |
|
Funds available at call |
Yes |
|
Cheque Book |
No |
|
VISA, EFTPOS/ATM |
No |
|
Internet/Telephone/SMS banking |
Yes |
|
Direct entry (credit/debit) |
Credit only |
|
Bpay®/Pay Anyone |
No |
|
Interest Income |
Calculated daily, paid monthly |
|
Over the counter transactions |
No |
|
CU+ Saver
A bonus style account designed for members who want to save for a specific goal.
-
Higher rate of interest
-
No account keeping fees
-
Access via internet banking
|
Up to 4.55% pa***
interest rate
|
|
Additional Information |
|
Features |
CU+ Saver |
|
Minimum opening balance |
$1 |
|
Funds available at call |
Yes |
|
Cheque Book |
No |
|
VISA, EFTPOS/ATM |
Yes |
|
Internet/Telephone/SMS banking |
Yes |
|
Direct entry (credit/debit) |
Credit and Debit |
|
Bpay®/Pay Anyone |
Yes |
|
Interest Income |
Calculated daily, paid monthly |
|
Over the counter transactions |
Yes |
|
Christmas Account
Use this account to save for a specific purpose such as Christmas expenses, a holiday or school fees.
-
NO account keeping fees
-
Payroll deduction
-
Tiered interest rate
|
Up to 1.00% pa**
interest rate |
|
Additional Information |
|
Features |
Christmas |
|
Minimum opening balance |
$1 |
|
Funds available at call |
Yes (conditions & fees may apply) |
|
Cheque Book |
No |
|
VISA, EFTPOS/ATM |
No |
|
Internet/Telephone/SMS banking |
Yes (conditions & fees may apply) |
|
Direct entry (credit/debit) |
Credit only |
|
Bpay®/Pay Anyone |
Yes (conditions & fees may apply) |
|
Interest Income |
Calculated daily, paid 1 Nov-31 Jan |
|
Over the counter transactions |
Yes (conditions & fees may apply) |
|
Junior Saver
An account specifically for our junior members who are too young to operate their own account.
-
NO account keeping fees
-
Higher rate of interest
-
Restricted access: no cards or electronic access
|
Up to 3.00% pa
interest rate |
|
Additional Information |
|
Features |
Junior Saver |
|
Minimum opening balance |
$1 |
|
Funds available at call |
Yes |
|
Cheque Book |
No |
|
VISA, EFTPOS/ATM |
No |
|
Internet/Telephone/SMS banking |
No |
|
Direct entry (credit/debit) |
Credit Only |
|
Bpay®/Pay Anyone |
No |
|
Interest Income |
Calculated daily, paid quarterly |
|
Over the counter transactions |
Yes |
|
Teen Saver
This account is for young transactors who are able to understand and operate their own transaction/savings account. Available for members up to the age of 21.
-
NO account keeping fees
-
Access to Redicard and EFTPOS
-
$10 transaction allowance
|
Up to 0.75% pa
interest rate |
|
Additional Information |
|
Features |
Teen Saver |
|
Minimum opening balance |
$1 |
|
Funds available at call |
Yes |
|
Cheque Book |
No |
|
VISA, EFTPOS/ATM |
Yes (some restrictions apply) |
|
Internet/Telephone/SMS banking |
Yes (some restrictions apply) |
|
Direct entry (credit/debit) |
Credit and Debit |
|
Bpay®/Pay Anyone |
Yes |
|
Interest Income |
Calculated daily, paid quarterly |
|
Over the counter transactions |
Yes |
|
Useful Links and Tools
**Withdrawals and transfers are permitted between 01 November and 31 January each year without penalty.
***Earn Bonus Interest when you make at least one deposit and no withdrawals in the same month
Interest rates effective 1/1/2012 and are subject to change. ® registered to BPay Pty. Ltd
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.
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