La Trobe University Credit Union

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Transactions / Savings Accounts & Gold Pass Benefits

TRANSACTION ACCOUNTS

Redi-Access S1 Account	View Rates	View Fees
Offers the greatest access. Redicard ATM and EFTPOS access cards; Phone and Internet banking services; Chequebook; Direct payment facilities – including BPAY^® Over the counter access at La Trobe University Credit Union branches. Interest is calculated daily, and paid quarterly; How to become a Gold Pass member click here
Deeming S6 Account	View Rates	View Fees
A “full service” account to help you maximise your savings, whilst still allowing you to access your money where and when you want to. So whether you are a self-funded retiree or pensioner, a La Trobe Uni Credit Union Deeming Account can help make managing your savings easier and more rewarding. You can choose how you manage your banking. Select from: Redicard ATM and EFTPOS access cards; Phone and internet banking services; Chequebook; Direct payment facilities – including BPAY^® Over the counter access at Uni Credit Union branches. Interest is calculated daily, and paid monthly; How to become a Gold Pass member click here
Student Redi-Access S1 Accounts	View Rates	View Fees
Annual renewable waiver of the $3.00 monthly maintenance fee. Redicard ATM and EFTPOS access cards; Phone and internet banking services; Chequebook; Direct payment facilities – including BPAY^® Over the counter access at La Trobe University Credit Union branches. Interest is calculated daily, and paid quarterly; How to become a Gold Pass member click here
Cash Management S5 Accounts	View Rates	View Fees
Hold your surplus funds separately at cash management rate of interest. Funds at call No Minimum Balance Access via Direct Link Internet Banking and Phone Link Telephone Banking Service only. Interest is calculated daily on the entire balance and credited monthly.

SAVINGS ACCOUNTS

Personalised Target Account (S8)	View Rates	View Fees
Save for that special event or holiday with our new Personalised Target Account No minimum balance No minimum transaction No account keeping or transaction fees You set the savings pattern You set the target date You name the account We can help you save: Accounts must have regular savings deposits Interest is calculated daily, and paid quarterly Interest will not be paid if the account is closed within 60 days A new Target Account can be opened at any time
Fixed Term Deposits	View Rates	View Fees
Fixed Term Deposits are available from 60 days to 2 years. A minimum deposit of $1000 is all that is required. Interest is calculated daily and paid on maturity.
Montly Income Accounts	View Rates	View Fees
A Monthly Income Account maintains the income flow on your investments. Interest can be paid monthly on any term deposit of $10,000 or more lodged for at least 12 months. The interest can be paid to the account of your choice.
Savings Incentives for Young People
Available through our Total Freedom and Super Saver accounts special low account fees. Click here for more information.

GOLD PASS CONCESSIONS AND BENEFITS

Gold Pass concessions are automatically passed on to members who qualify in either of four ways:

Maintaining a minimum Redi-Access Account (S1) balance of $3,000 during a month, or
Maintaining a minimum Deeming Account (S6) balance of $3,000 during a month, or
Maintaining a minimum Business Ready Access Account (S1) balance of $3,000 during a month, or
Maintaining an Ultimate, Ultra or Integris home or investment loan with the Credit Union.

Gold Pass also entitles you to the following concessions and benefits:

Waiver of all Redi-Access Account maintenance and transaction fees incurred during the month;
Waiver of all Deeming Account maintenance and transaction fees incurred during the month;
Commission free purchase of travellers cheques and foreign currency; 20% discount on travel insurance; and
Increased fixed term deposit interest rate of 0.10% on all listed rates (applicable only to maturing or new term deposits and does not apply to special offers).

The fee concessions are only available to the Redi-Access or Deeming account under the one membership record and are not transferable to other membership records.

TRANSACTION AND SAVINGS ACCOUNTS AT A GLANCE

Click here to view our Rates and Fees table.

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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.