iSaver
An internet-based savings account to help reach your saving goals faster. This online account provides anytime access and rewards you with interest. As an added bonus, the iSaver can be used as an offset account for eligible home loan products to help reduce the monthly interest on your loan.
- Base rate
- 0.5%
Deposit Rates
| Type | Rate | Applies To | Interest Paid |
|---|---|---|---|
| Variable Account to be operated online in order to avoid transaction fees. | 0.35% | ISAVER_Tier_2 | monthly |
| Variable Account to be operated online in order to avoid transaction fees. | 0% | ISAVER_Tier_1 | monthly |
| Variable Account to be operated online in order to avoid transaction fees. | 0.5% | ISAVER_Tier_3 | monthly |
Fees
| Fee | Type | Amount |
|---|---|---|
| Direct Debits | Transaction | $1.00 |
| BPAY | Transaction | $1.00 |
| External Funds Transfer | Transaction | $1.00 |
Features
- Offset account
- For eligible The Capricornian Ltd, Mortgage Loan products
- Account sweep available Our sweep service automatically transfers funds from certain savings accounts to cover most transactions which would otherwise exceed your transaction account's available balance
- PayID
- An account of this product type can be used as the target of an NPP PayID. Osko by BPAY available
- Real-time payments (NPP)
- An account of this product type can be used to receive funds as a result of a BSB/Number based NPP payment. Osko by BPAY available
- Notifications — Notification via email, SMS or secure message in online banking.
- SMS and/or email notifications available
- Digital banking
- Online banking and mobile app
Eligibility
- You will need to become a member of the Credit Union before we can issue The Capricornian Account and Access Facility to you
- Residency status — Individuals must be citizens or permanent residents of Australia
More Information
Published by The Capricornian under the Consumer Data Right · Last updated 11 March 2026 · Product ID 33563233-c746-4110-b19e-2dbe984248fd · View on CDR.gov.au · View Source Data (JSON)