---
title: "S12 Smart — Central West CUL"
description: "Transaction & Savings Accounts from Central West CUL. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/central-west-cul/products/S12_Smart
source: "CDR Compare"
language: en-AU
last_updated: 2026-06-01T09:12:37.000+10:00
---

# S12 Smart — Central West CUL

> Transaction & Savings Accounts from Central West CUL. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Transaction & Savings Accounts · CENTRAL WEST CREDIT UNION LTD**

For customers who have a Smart or Premium Smart Variable Rate Home Loan who require a transaction fee free account with the option of a overdraft account

## At a glance

- **Base rate:** 2.1%

## Apply

Applications are handled by the provider: [Apply at Central West CUL](https://www.cwcu.com.au/lending/apply-for-a-loan)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (A overdraft facility is available on this account. Debit interest is charged every month) | 0% | — | — |

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable | 1.25% | S12 Smart_Tier_1 | monthly |
| Variable | 1.3% | S12 Smart_Tier_2 | monthly |
| Variable | 1.4% | S12 Smart_Tier_3 | monthly |
| Variable | 1.45% | S12 Smart_Tier_4 | monthly |
| Variable | 2.1% | S12 Smart_Tier_5 | monthly |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| DIRECT_DEBIT_REJECTION_FEE | Transaction | $10.00 |
| DORMANT_ACCOUNT_FEE — Charged after 2 years of inactivity | Event | $10.00 |
| MONTHLY_VISA_CARD_FEE — Fee per card · Fee is applicable to active cards only · Discount −$50,000.00 — Relationship Balance · Discount −$2.50 — Under 16 years of age | Ongoing | $2.00 |
| OVERDRAFT_ESTABLISHMENT_FEE — Only applicable when applying for an Overdraft facility | Upfront | $150.00 |
| PAPER_STATEMENT_FEE — Charged when a paper statement is produced · Discount −$2.50 — Under 16 years of age | Ongoing | $2.50 |
| OVERDRAWN_ACCOUNT_FEE | Withdrawal | $10.00 |

## Features

- **Unlimited transactions**
- **Card access**
- **Digital banking**
- **Digital wallet** — Apple, Samsung & Google pay
- **Funds at call**

## Eligibility

- **Residency status** — Australian Residences only
- **Minimum age** — 18 years
- **Must have a Smart or Premium Smart Home Loan**

## More information from Central West CUL

- [Overview](https://www.cwcu.com.au/savings/on-call-savings)
- [Terms & conditions](https://www.cwcu.com.au/disclosure-documents/conditions-of-use)
- [Eligibility](https://www.cwcu.com.au/cwcu/media/Documents/Summary-of-Accounts-Availability-of-Access-December-20.pdf)
- [Fees & pricing](%20https://www.cwcu.com.au/disclosure-documents/fees-and-charges)
- [Bundle information](https://www.cwcu.com.au/lending/apply-for-a-loan)

## Data provenance

- Published by Central West CUL under the Consumer Data Right
- Product ID: `S12_Smart`
- Last updated by the provider: 31 May 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/central-west-cul/S12_Smart
- Provider page: https://www.cdrcompare.au/brands/central-west-cul
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000278

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/central-west-cul/products/S12_Smart) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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