Savings Accounts

The only fees that would apply if your account remains up above the minimum amount of $25,000.00 would be Foreign Currency which would be charged at a lower rate of 0.5% and Swift payment fees as listed in our Fees and Charges brochure.FireFighters Credit Union offers a range of savings and investment accounts to make saving your money easier.

Multi-Access Savings Account (S1)

This account is the everyday savings account and is totally accessible through your Visa debit card. It is accessible via the Ezy Access System & our Internet Banking System for all bill paying services. Cheque accounts for members operate on this everyday account. Salaries and direct credits and debits can also be processed within this account.

Interest is calculated on the minimum monthly balance and is credited March, June, September and December each year.

Interest rates click here. Fees and Charges click here..

Christmas Club (S4)

saving2.jpgAutomatic weekly deposits into your Christmas Club will make the most expensive time of the year a lot easier.

The first business day in December your Christmas Club funds plus interest will be credited to your nominated savings account for easy access.

Interest rates click here. Fees and Charges click here.

Cash Maximiser Account (S6)

saving3.jpgA Cash Maximizer Accounts pays a higher than ordinary rate of interest whilst still having your funds available at call.

There is a $2000 minimum balance and a tiered interest rate structure applies. When your balance reaches a higher tiered plateau, the rate of interest applicable changes and will apply to the whole balance.

All access facilities can be used on this account. Funds can be obtained over the counter, via Phone & Internet Banking, using your Visa Card and via your member cheque book.

Interest rates click here. Fees and Charges click here.

Budget Account (S8)

saving4.jpgA great way to keep your savings and bill money totally separate and at the same time its earning interest. Weekly deposits into S8 can cater for all those expected and sometimes unexpected bills that come in from time to time.

Like the S1 account the S8 account is available to all the Ezy Access & Internet Banking options including our bill paying facilities.

Interest is calculated on the minimum monthly balance and is credited March, June, September and December each year.

Interest rates click here. Fees and Charges click here.

Pensioner Deeming Accounts (S11)

saving5.jpgA pensioner deeming account is designed for people who receive benefits from Centrelink or the Dept of Veterans Affairs. Under deeming rules, all financial investments are assessed as earning the deemed rate of interest for the income test.

The account has a $500 minimum balance and the funds are available at call. You can have a cheque book and visa attached to this account. Funds can also be accessed over the counter or via Phone Banking or Internet Banking.

Interest rates click here. Fees and Charges click here.

Should you have any further questions please click here to This e-mail address is being protected from spambots. You need JavaScript enabled to view it us.

 

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Golden Helmet (S65) - Transactional account for retirees

Firefighters Credit Union Golden Helmet account has been designed to maximize your earnings while your account maintains the minimum amount of $25,000.00.

 If your account remains above the minimum amount of $25,000.00 transactional fees will not apply.  The only fees that would be charged are Foreign Currency Fees which would be charged at a lower rate of 0.5% and Swift payment fees as listed in our Fees and Charges brochure.

This is a perfect account for people who know how to take control of their funds no matter what age you are when you decide to retire. No fixed terms means that your every day needs to access cash and payment services are always available without any penalties being attracted.

This account combines the benefit of a savings account with an interest rate that will always match our lowest Term Deposit rate and we will notify you if there is a change in the rate in compliance with the requirements of the Mutual Banking Code of Practice.If the balance falls below the minimum amount the interest rate will revert to our standard S1 account for the period the amount remains below the minimum required balance.

You will still have the ease of access of a transaction account using ATM & EFTPOS, online, phone banking and the option of a cheque book if required. Direct Charging fees will apply to ATM transactions conducted at non rediteller branded ATM's.

 If the balance falls below $25,000.00 all standard fees and charges as per our fees & charges brochure will apply for the whole month.

Click here for Golden Helmet new account application

Interest rates click here. Fees and Charges click here.

Should you have any further questions please click here to This e-mail address is being protected from spambots. You need JavaScript enabled to view it us

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 Reviews of existing mortgages are free to members. To book please contact us on 03 8417 1777 or info@fccl.com.au

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