S20 Retiree Access
A transaction account designed for retired members offering competitive interest rates.
- Base rate
- 2.3%
Deposit Rates
| Type | Rate | Applies To | Interest Paid |
|---|---|---|---|
| Variable | 1.25% | Floating | monthly |
| Variable | 1.85% | Tier 2 | monthly |
| Variable | 2.3% | Tier 3 | monthly |
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 |
| 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 Charge Back Fee 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 |
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 24/7 using our Internet Banking or Mobile Banking App.
- Digital wallet — Mobile Wallet
- Load your FSCU Visa Debit card to your mobile device 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.
Eligibility
- Individuals onlyAvailable for all members
- To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services.
- Pension recipients — All pesnions qualifiy which include Governement and superannuationFor retired members in receipt of retirement income
- Residency status — Australian Residents only
More Information
Published by Fire Service Credit Union under the Consumer Data Right · Last updated 20 May 2026 · Product ID 9 · View on CDR.gov.au