SMART SAVERS
SMART SAVERS
- Base rate
- 0.6%
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable | 20.26% | — | — |
Deposit Rates
| Type | Rate | Applies To | Interest Paid |
|---|---|---|---|
| Variable | 0.6% | — | every 3 months |
Fees
| Fee | Type | Amount |
|---|---|---|
| ATM_TRANSACTION_FEE_BALANCE_ENQUIRY ATM Fees are debited to the account with which the card is linked as part of end of day processing | Event | $1.50 |
| ATM_TRANSACTION_FEE_OTHER_ATM_WITHDRAWALS ATM Fees are debited to the account with which the card is linked as part of end of day processing | Transaction | $1.50 |
| EXCESS_DRAWINGS_FEE When funds are transferred to cover drawings without customer established instructions | Transaction | $5.00 |
| MEMBERSHIP_FEE Charged when becoming a customer of WCU | Ongoing | $5.00 |
| OVERSEAS_TRANSACTION_FEE Fee applied by WCU when a withdrawal is made at an ATM overseas (including VISA access card cash advances) | Transaction | $4.00 |
| PERIODIC_PAYMENT_FEE_BRANCH_ACTIONED Transfers to a non-WCU Account. WCU to WCU are free | Transaction | $6.50 |
Features
- Passbook Access
- Card access
- Visa Debit Card Access
- Additional cards
- Additional Visa Debit Cards Available
- Unlimited transactions
- Unlimited branch transactions
- Digital wallet
- Apple Pay and Google Pay enabled
- Digital banking
- Internet banking & WCU Connect App
- PayID
- Osko PayID supported
- Real-time payments (NPP)
Eligibility
- Residency statusIndividuals must be citizens or permanent residents of Australia.
- Must be a member of the Credit Union
Published by Darling Downs Bank under the Consumer Data Right · Last updated 21 May 2026 · Product ID S8 · View on CDR.gov.au