---
title: "My Offset — gmcu"
description: "Transaction & Savings Accounts from gmcu. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/gmcu/products/My_Offset
source: "CDR Compare"
language: en-AU
last_updated: 2026-04-09T14:24:44.000+10:00
---

# My Offset — gmcu

> Transaction & Savings Accounts from gmcu. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Transaction & Savings Accounts · Goulburn Murray Credit Union Co-Operative Ltd**

The My Offset account uses your savings balance to reduce the interest charged to an eligible gmcu home loan.

## At a glance

- **Base rate:** 0%

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable | 0% | — | daily |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| CHEQUES_YOU_DEPOSIT — Capped at $0.00 · Fee for every cheque you deposit to your account | Transaction | $0.20 |
| ATM_BALANCE_ENQUIRY — Capped at $0.00 · Each time a balance enquiry is requested at an ATM | Event | $0.50 |
| DECLINED_ATM_OR_EFTPOS_TRANSACTION — Capped at $0.00 · Each time an ATM or EFTPOS transaction is declined | Event | $1.00 |
| BRANCH_WITHDRAWAL — Capped at $0.00 · Includes all in-branch cash transfer and BPAY withdrawal · Discount −$4.00 — My Everyday - Monthly Branch Withdrawal Fee free allowance · Discount −$4.00 — Christmas Saver- Branch Withdrawal Fee Exemption (eligibility: Other: Branch withdrawal fee is not changed from 15th November to 31st December) | Withdrawal | $4.00 |

## Features

- **Bill payment (BPAY)**
- **Card access**
- **Digital banking**
- **Real-time payments (NPP)**
- **PayID**
- **Offset account**
- **Unlimited transactions** (Electronic withdrawals)
- **Unlimited transactions** (Card purchase / EFTPOS / ATM)

## Eligibility

- **product is only available to members with an eligible gmcu home loan**
- **Individuals only**

## Constraints

- **Minimum balance** — $1.00

## More information from gmcu

- [Overview](https://www.gmcu.com.au/banking/transaction-accounts/view-all-transaction-accounts/)
- [Terms & conditions](https://www.gmcu.com.au/pds)
- [Eligibility](https://www.gmcu.com.au/pds)
- [Fees & pricing](https://www.gmcu.com.au/pds)

## Data provenance

- Published by gmcu under the Consumer Data Right
- Product ID: `My_Offset`
- Last updated by the provider: 9 April 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/gmcu/My_Offset
- Provider page: https://www.cdrcompare.au/brands/gmcu
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000179

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/gmcu/products/My_Offset) — 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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