BSB: 802-143
02 4350 5255

Term Deposit & Deposit Rates

Effective from 1 August 2017

Anzac Avenue, Wyong. PO Box 595, Wyong. Phone 02 4350 5255 Fax 02 4351 2594.

Fees and charges may be applicable. Refer to "Schedule of Fees and Charges". Interest rate and conditions subject to change without notice. Terms and Conditions for all products and services available upon request. All interest rates quoted are per annum. For deposits over $250,000 rates are by negotiation.

Deposit Rates

ON-CALL SAVINGS (S1) 0.00%
  • Interest is charged on the daily overdrawn balance at the current unsecured loan rate.
PENSIONER ACCOUNT (S2) <$50,000 0.50%
>$50,000 1.25%
  • Interest calculated on daily balances and paid quarterly.
  • Interest is charged on the daily overdrawn balance at the current unsecured loan rate.
JUNIOR SUPER SAVERS (S4) 1.00%
  • Interest calculated on daily balances and paid quarterly.
  • Interest is charged on the daily overdrawn balance at the current unsecured loan rate.
BUDGET SAVINGS (S3) 0.00%
  • Account designed to budget for monthly expenses.
  • Interest is charged on the daily overdrawn balance at the current unsecured loan rate.
INVESTMENT SAVINGS (S5) $0 - $19,999 0.50%
$20,000 - $49,999 1.00%
$50,000 - $99,999 1.25%
$100,000+ 1.50%


  • Interest calculated on minimum monthly balance and paid quarterly.
  • Funds are lodged for 10 days and are then available at call.
  • No minimum balance required.
  • Interest is charged on the daily overdrawn balance at the current unsecured loan rate.
MONEY MARKET (S7) 1.50%
  • Interest calculated on daily balances and paid monthly.
  • Minimum deposit $25000.00. Minimum transaction $5000.00.
  • Interest rate maintained at current RBA official Cash Rate.
CHRISTMAS CLUB (S9) 1.00%
  • Interest calculated on daily balances and paid quarterly.
  • Open for withdrawals from 1st November to 31st January.
  • Interest is charged on the daily overdrawn balance at the current unsecured loan rate.
SPECIAL PURPOSE SAVINGS ACCOUNT (S10) Variable Base Rate 0.30%
Bonus Interest Rate + 1.80%
Earn up to 2.10%
  • Interest calculated on daily balances and paid monthly. No minimum balance required.
  • Bonus rate applied when you make deposits totaling $100 and no withdrawals in the same calendar month

Term Deposit Rates

Interest on Maturity $1,000-$9,999 $10,000-$49,999 $50,000+
3 months 2.00% 2.00% 2.00%
6 months 2.10% 2.10% 2.10%
12 months 2.20% 2.20% 2.20%
Interest Monthly
12 - 24 months n/a 2.05% 2.05%

Financial Claims Scheme

Your investment with CCCU is protected under the Government's Financial Claims Scheme (limits per person apply).

The Financial Claims Scheme is an Australian Government scheme that provides protection to deposits in Credit Unions, Banks and Building Societies, and to policies with General Insurers, in the unlikely event that one of these Financial Institutions fail.

Click here for more information on the Financial Claims Scheme.