Deposit Interest Rates
Loan Interest Rates
Fees & Charges
Fixed or Variable Rates

Deposit Interest Rates

CURRENT INTEREST RATES

Current from 12 December 2008

All interest rates quotes are on a per annum basis and are current as of the date of this advice and are subject to change without notice.

Fixed Term Deposits

Minimum deposit $1,000. Your interest rate is guaranteed for the term of the deposit and is paid on maturity.

AMOUNT OF DEPOSIT 60 Days 90 Days 180 Days 9 Months 1 year to less than 2 years

2 years

 

 $1,000 to $9,999 2.30% 2.90% 2.80% 2.80% 2.70% 2.70%
 $10,000 to $49,999 3.00% 3.30% 3.20% 3.00% 3.00% 3.00%
 $50,000 to $99,999 3.30% 3.90% 3.80% 3.70% 3.70% 3.70%
 $100,000 to $249,999 3.60% 4.00% 3.90% 3.80% 3.80% 3.80%
 $250,000 and over 3.80% 4.10% 4.00% 3.80% 3.80% 3.80%

Redi-Access Gold Pass earns an additional 0.10% p.a.
(not applicable to posted "Special" Rates)


Monthly Income

Interest can be paid monthly to another Credit Union account or by cheque on Term Deposits of $10,000 or more lodged for a minimum term of one year at the interest rates quoted above.


Redi-Access Savings (S1)

Australia wide access to account with Redicard and Member Chequebook. Monthly statement is provided free of charge.
Balance to $2,000 0.00%
Balance to $10,000 0.10%
Balance to $20,000 0.20%
Balance to $50,000 0.50%
Balance 0ver $50,000 1.00%

Interest is calculated on the DAILY balance and credited quarterly, end of March, June, September and December.


At Call Savings and Passbook Accounts (S2, S3, S4, S7)

A passbook will be provided if required.
Balance to $10,000 0.10%
Balance to $20,000 0.45%
Balance to $50,000 1.00%
Balance 0ver $50,000 1.55%

Interest is calculated on the DAILY balance and credited quarterly, end of March, June, September and December.


Personalised Target Saving Account (S8)

2.00% p.a. on entire balance

Interest is calculated on the DAILY balance and credited quarterly, end of March, June, September and December.


Christmas Club (S10)

2.00% p.a. on entire balance calculated on the DAILY balance. Funds (including interest) paid on the first working day in December.


Total Freedom Club (S18) & Super Savers Club (S12)

2.00% p.a. on entire balance calculated on the DAILY balance and credited quarterly, end of March, June, September and December.


Total Freedom & Super Savers Club Term Deposits Start at Just $200


(see term deposits interest rates for less than $5,000 above)


Deeming Account (S6)
  From 1 December 2008
On the portion of the balance $41,000 3.00%
On the portion of the balance above $41,000 5.00%

Interest is calculated on the DAILY balance and paid monthly.

Available to those members affected by the Social Security & Veterans' Affairs Deeming Rules. Statement Account only


Cash Management Account (S5)
  Current From - 1 Jan 2009
Balance to $10,000 3.00% 1.80%
Balance to $50,000 3.20% 2.00%
Balance to $100,000 3.80% 2.60%
Balance to $250,000 4.40% 3.20%
Balance over $250,000 4.70% 3.50%

Funds available at call. No minimum transaction or balance applies.

Interest is calculated on the DAILY balance and credited monthly.

Statement account only. Deposits are at call. No minimum balance or minimum transaction amount applies. Transacion access is restricted to Direct Link Internet Banking or Phone Link Telephone Banking Services.

All interest rates are calculated on the DAILY balance. Terms and conditions apply. Fees and charges may be payable. Interest rates quoted are current as of the date of this advice and are subject to change without notice.

 

© La Trobe University Credit Union  |  BSB 803-159  |  ABN 93 087 651 536  |  AFSL 244373 | 
Any advice or information on this site does not take into account your personal objectives, financial situation or needs and you should consider whether it is appropriate for you.