---
title: "S28 Flexi Credit — Fire Service Credit Union"
description: "Overdrafts from Fire Service Credit Union. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/fire-service-credit-union/products/10
source: "CDR Compare"
language: en-AU
last_updated: 2026-03-19T04:00:33.2590705Z
---

# S28 Flexi Credit — Fire Service Credit Union

> Overdrafts from Fire Service Credit Union. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Overdrafts**

FSCU offer a Flexi Credit secured by the equity in a home, this is a line of credit to access funds for any worthwhile purpose.

## Apply

Applications are handled by the provider: [Apply at Fire Service Credit Union](https://www.fscu.com.au/loans/flexi-credit/)

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable | 8.35% | — | yearly |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Application Fee | Upfront | $200.00 |
| Visa Chargeback — We charge back a merchant for a Visa Transaction, on your behalf. A Visa Chargeback is represented and, at your request, the associated dispute is escalated for Visa Arbitration and/or compliace review. | Event | $30.00 |
| Overdraft Facility Fee | Event | $60.00 |
| Mortgage Discharge Doc Fee ## | Event | $235.75 |
| LTO Mortgage Discharge ## | Event | $173.00 |
| Legal / Settlement Fee — Fee amount will be variable, calculated if and when applicable. Payable when (or after) we make the amount of credit available to you for any costs and disbursements we have to pay a solicitor or converyancer for acting for us in relation to this loan. | Event | $0.00 |

## Features

- **Bill payment (BPAY)** (Pay your bills from the comfort of your home.)
- **Card access** — Visa Debit Card (A Visa Debit card gives you access to your money in branch, at an ATM, in stores and online.)
- **Digital banking** (Do your banking online anytime, anywhere using our Internet Banking or Mobile Banking App.)
- **Digital wallet** — Mobile Wallet (Load your FSCU Visa Debit card to your mobile deivce to make fast and easy transactions.)
- **Real-time payments (NPP)** (New Payment Platform (NPP)  Transact instantly with real-time payments.)
- **PayID** (PayID - and easily remembered identifier such as email, mobile or ABN linked to your accout at FSCU.)
- **Overdraft available**

## Eligibility

- **Minimum age** — 18 years
- **Individuals only**
- **To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services.**
- **Residency status** — Australian residents only

## Constraints

- **Minimum limit** — $25,000.00

## More information from Fire Service Credit Union

- [Overview](https://www.fscu.com.au/loans/flexi-credit/)
- [Terms & conditions](https://www.fscu.com.au/loans/flexi-credit/)
- [Eligibility](https://www.fscu.com.au/why-us/membership/)
- [Fees & pricing](https://www.fscu.com.au/rates/)

## Data provenance

- Published by Fire Service Credit Union under the Consumer Data Right
- Product ID: `10`
- Last updated by the provider: 19 March 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/fire-service-credit-union/10
- Provider page: https://www.cdrcompare.au/brands/fire-service-credit-union
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000135

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/fire-service-credit-union/products/10) — 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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