S9 Offset Account
FSCU offer a Home Loan Offset account which is an everyday transactional or savings account that is linked to an eligible FSCU home loan, it can reduce the interest to help pay off your home loan sooner, the more money you have in your offset account the
- Base rate
- 0%
Deposit Rates
| Type | Rate | Applies To | Interest Paid |
|---|---|---|---|
| Variable Interest is offset against your home loan rate | 0% | — | yearly |
Fees
| Fee | Type | Amount |
|---|---|---|
| Document Search Fee Payable when we have to search for documents or information in storage. | Event | $5.00 |
| Visa Debit Card Replacement Fee We replace a lost or damaged Visa Debit card | Event | $20.00 |
| Corporate Cheque Withdrawal Fee Corporate Cheque withdrawal, per cheque | Transaction | $0.00 |
| Periodical Payment Fee There are insufficient funds in your account, on four successive days, to make a requested payment. There are insufficient funds for any future dated BPAY payments. | Event | $5.00 |
| Corporate Cheque Stop Payment Fee | Event | $35.88 |
| Direct Debit Dishonour Fee Payable whenever we dishonour a direct debit on your account due to insufficient funds. | Event | $10.00 |
| Direct Debit Honour Fee Payable when we honour a direct debit on your account despite insufficient funds |
Features
- Bill payment (BPAY)
- Pay your bills from the comfort of your home.
- 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.
- Unlimited transactions
- No account keeping fees, no monthly fees.
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
More Information
Published by Fire Service Credit Union under the Consumer Data Right · Last updated 19 March 2026 · Product ID 28 · View on CDR.gov.au