Savings & Everyday Accounts

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Transactions & Savings Interest Rates

Current as at 17 June 2013

Personal Transaction Accounts
Everyday Account
Nil credit interest
Activate Account (only available to members under the age of 25)
Nil credit interest
Club 55 (only available to members 55 years of age and over)
Interest is calculated daily on the portion of the balance within each tier.
Interest is paid on the last day of the month.
$0 - $1,999 1.05% p.a.
$2,000 - $45,399 2.55% p.a.
$45,400 & above 4.05% p.a
Line Of Credit / Line Of Credit Package
Nil credit interest
Offset Account (only available on selected variable rate loans)
Interest Rate used to calculate offset benefit is the same rate as the interest rate on the loan linked to the account.
Savings Accounts
Online Saver
Bonus interest paid where there are no withdrawals in the current month.
Interest is calculated daily and paid to the account monthly.
Balance Tier Base Rate With Bonus
$0 - $4,999 2.00% p.a. 2.50% p.a.
$5,000 & above 2.75% p.a. 3.25% p.a.
Bonus Saver
Bonus interest paid where at least $50 is deposited into the account and there are no withdrawals in the calendar month. Interest iscalculated daily and paid to the account monthly.
Balance Tier Base Rate With Bonus
All balances 0.10% p.a. 4.25% p.a.
Young Saver
Bonus interest paid where at least $5 is deposited into the account and there are no withdrawals in the calendar month. Interest iscalculated daily and paid to the account monthly.
Balance Tier Base Rate With Bonus
All balances 2.00% p.a. 3.75% p.a.
Christmas Savings
Interest is calculated daily and paid to the account annually on the 31st October.
All balances 1.75% p.a.
Expenses Account
Interest is calculated daily and paid to the account annually on the 31st of May.
All balances 0.10% p.a.

Rates quoted are current at date of issue and may change without notice. Interest is calculated daily and paid on the last day of the month except where stated. Interest is calculated on the entire balance of each account at the applicable rate, except for the Club 55 Account where interest is calculated on the portion of the account balance in each interest tier. No interest is paid where the balance falls below the lowest tier shown for each account. Offset account is only available on selected variable rate loans. Terms, conditions, fees and charges apply and are available upon application. This information and advice is provided without reference to your personal circumstances so you should consider our Disclosure Documents and whether this product fits your objectives, financial situation and needs.

Please refer to Public Notices for more information about announcements of changes to interest rates.

Term Investment Interest Rates
Interest at Maturity AMOUNT INVESTED
$5,000 to $49,999 $50,000 to $99,999 $100,000 to $249,999 $250,000 & above
2 to less than 3 months 2.90% p.a. 3.40% p.a. 3.55% p.a. 3.55% p.a.
3 to less than 4 months 3.00% p.a. 3.50% p.a. 3.65% p.a. 3.65% p.a.
4 to less than 5 months 3.80% p.a. 3.80% p.a. 3.80% p.a. 3.80% p.a.
5 to less than 6 months 3.00% p.a. 3.50% p.a. 3.65% p.a. 3.65% p.a.
6 to less than 7 months 3.10% p.a. 3.60% p.a. 3.75% p.a. 3.75% p.a.
7 to less than 8 months 3.10% p.a. 3.60% p.a. 3.75% p.a. 3.75% p.a.
8 to less than 9 months 4.00% p.a. 4.00% p.a. 4.00% p.a. 4.00% p.a.
9 to less than 10 months 3.20% p.a. 3.70% p.a. 3.85% p.a. 3.85% p.a.
10 to less than 11 months 3.20% p.a. 3.70% p.a. 3.85% p.a. 3.85% p.a.
11 to less than 12 months 3.20% p.a. 3.70% p.a. 3.85% p.a. 3.85% p.a.
Monthly Income AMOUNT INVESTED
$5,000 to $49,999 $50,000 to $99,999 $100,000 to $249,999 $250,000 & above
1 to less than 2 years 3.93% p.a. 3.93% p.a. 3.93% p.a. 3.93% p.a.
2 to less than 3 years 4.02% p.a. 4.02% p.a. 4.02% p.a. 4.02% p.a.
3 to less than 4 years 4.22% p.a. 4.22% p.a. 4.22% p.a. 4.22% p.a.
4 to less than 5 years 4.31% p.a. 4.31% p.a. 4.31% p.a. 4.31% p.a.
5 years 4.41% p.a. 4.41% p.a. 4.41% p.a. 4.41% p.a.
Interest Annually AMOUNT INVESTED
$5,000 to $49,999 $50,000 to $99,999 $100,000 to $249,999 $250,000 & above
1 to less than 2 years 4.00% p.a. 4.00% p.a. 4.00% p.a. 4.00% p.a.
2 to less than 3 years 4.10% p.a. 4.10% p.a. 4.10% p.a. 4.10% p.a.
3 to less than 4 years 4.30% p.a. 4.30% p.a. 4.30% p.a. 4.30% p.a.
4 to less than 5 years 4.40% p.a. 4.40% p.a. 4.40% p.a. 4.40% p.a.
5 years 4.50% p.a. 4.50% p.a. 4.50% p.a. 4.50% p.a.

Rates quoted are current at date of issue and may change without notice. Interest is calculated daily and paid at maturity for terms of less than 12 months. For terms of greater than 12 months interest is calculated daily and paid either monthly or annually. Quarterly, six monthly and 28 day rates are also available on application. Interest can be reinvested or paid to a People’s Choice Credit Union Transaction or Savings account.  Terms, conditions, fees and charges apply and are available upon appication. This information and advice is provided without reference to your personal circumstances so you should consider our Disclosure Documents and whether this product fits your objectives, financial situation and needs.

 

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