---
title: "Redi Access Overdraft Account — Police Credit Union Ltd"
description: "Overdrafts from Police Credit Union Ltd. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/police-credit-union-ltd/products/Redi_Access_Overdraft_Account
source: "CDR Compare"
language: en-AU
last_updated: 2025-11-21T15:10:52.000+10:30
---

# Redi Access Overdraft Account — Police Credit Union Ltd

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

**Overdrafts · POLICE CREDIT UNION LIMITED**

Personal Overdraft

## At a glance

- **From:** 13.99% (Variable)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 13.99% | — | — |

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable | 0% | Redi Access Overdraft Account_Tier_1 | monthly |
| Variable | 0% | Redi Access Overdraft Account_Tier_2 | monthly |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| PERSONAL_CREDIT_&_OVERDRAFT_PACKAGE_FEE — is charged for establishing all personal loans with the exception of Personal Loan Line of Credit · Discount −$50.00 — Whole of pay to PCU · Discount −$50.00 — Visa Credit Card · Discount −$50.00 — General Insurance · Discount −$50.00 — 10 years PCU membership · Discount −$50.00 — Savings / Investments held with PCU for 3mths or over · Discount −$420.00 — Former <18yr old Members | Upfront | $195.00 |
| APPLICATION_FEE_PERSONAL_LOAN_LOAN_OF__CREDIT — charged for processing a credit application | Upfront | $195.00 |
| PERSONAL_PROPERTY_SECURITY_REGISTER_FEE — Payable whenever we apply to search or register a security interest to the PPS Register. $8.00 (<7yrs) $25.00 (7yrs or over) | Payment | $8.00 |
| TITLE_SEARCH_(SA) — Per search - provides a copy of the title of the property | Cash advance | $35.50 |
| TITLE_SEARCH_(NT) — Per Search - provides a copy of the title to the property | Cash advance | $55.78 |
| ACCOUNT_SWEEP_FEE — Charged at time of transfer - Payable whenever we transfer funds from one of your accounts to another (other than on your instructions) to cover payments arrears or amounts overdrawn. | Transaction | $5.00 |

## Features

- **Card access** — Visa Debit Card
- **Digital banking**
- **Digital wallet** — Apple Pay, Samsung Pay, Google Pay
- **Real-time payments (NPP)**
- **PayID**
- **Overdraft available**
- **Free transaction allowance**

## Eligibility

- **Minimum age** — 18 years
- **Residency status**
- **Minimum income**

## More information from Police Credit Union Ltd

- [Overview](https://www.policecu.com.au/product-type/savings-and-investment-accounts/)
- [Terms & conditions](https://www.policecu.com.au/rates/)
- [Eligibility](https://www.policecu.com.au/rates/)
- [Fees & pricing](https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_Personal_Credit_and_Overdraft.pdf)

## Data provenance

- Published by Police Credit Union Ltd under the Consumer Data Right
- Product ID: `Redi_Access_Overdraft_Account`
- Last updated by the provider: 21 November 2025
- Source payload (JSON): https://www.cdrcompare.au/api/raw/police-credit-union-ltd/Redi_Access_Overdraft_Account
- Provider page: https://www.cdrcompare.au/brands/police-credit-union-ltd
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000188

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/police-credit-union-ltd/products/Redi_Access_Overdraft_Account) — 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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