--- title: "S9 Offset Account — Fire Service Credit Union" description: "Transaction & Savings Accounts 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/28 source: "CDR Compare" language: en-AU last_updated: 2026-03-19T04:00:33.2590705Z --- # S9 Offset Account — Fire Service Credit Union > Transaction & Savings Accounts 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. **Transaction & Savings Accounts** 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 ## At a glance - **Base rate:** 0% ## Apply Applications are handled by the provider: [Apply at Fire Service Credit Union](https://www.fscu.com.au/home-loans/offset-account/) ## 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 | Event | $5.00 | | Dormant Account Fee — Payable whenever there has been no transaction other than interest on your membership for a period of 12 months | Event | $20.00 | | Staff Assisted External Transfer — Staff assisted transfers, per transaction | Event | $2.00 | | Replacement Statement Fee — Payable when you request a copy of a statement that has already been issued | Event | $2.00 | | 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 | | Second Visa Debit Card — A second card is ordered on a membership | Event | $50.00 | | Replacement PIN Fee — We reorder and post a PIN to replace a forgotten PIN. | Event | $5.00 | | Manual 'Other Bank' Deposits — Payable whenever a deposit is processed manually through another Financial Institution | Event | $10.00 | | Payment Corrections — Payable per manual DE Trace, BPAY enquiry, BPAY error correction or Mistaken Internet Payment | Event | $30.00 | | Overdrawn Account fee — Payable whenever we send you a notice because your savings account is overdrawn with no pre-approved limit or your overdraft is over the approved limit | Event | $10.00 | | Real Time Gross Settlement Outward Payment | Event | $30.00 | | Real Time Gross Settlement Inward Payment | Event | $15.00 | ## 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 from Fire Service Credit Union - [Overview](https://www.fscu.com.au/home-loans/offset-account/) - [Terms & conditions](https://www.fscu.com.au/home-loans/offset-account/) - [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: `28` - Last updated by the provider: 19 March 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/fire-service-credit-union/28 - 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/28) — product data published by Australian data holders under the Consumer Data Right. 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