Savings Accounts

We will help you select the right accounts to allow you to manage your money day-to-day while saving for future circumstances.
S1 General Savings and Cheque Account
FSCU offers a wide variety of special accounts to assist you with saving and budgeting.
-
No account keeping fees
-
Interest rate applicable to the total balance of each account only
-
Interest calculated on the daily balance and paid 31st May each year
-
Member cheque books available
|
0.10% pa
interest rate |

|
|
Additional Information |
|
Feature |
General Savings and Cheque Account |
|
Account keeping fees |
$0 |
|
Cheque Book |
Yes |
|
EFTPOS/ATM Access |
Yes |
|
Internet/Telephone banking |
Yes |
|
Bpay®/EFT's |
Yes |
|
Interest Income |
Calculated daily, paid annually |
|
Over the counter transactions* |
Yes |
|
S12 Junior Savings Investment Accounts
A special savings account for children up to 18 years of age.
-
No account keeping fees
-
Interest is calculated daily and paid at the end of May and November each year
|
1.50% pa
interest rate |

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|
Additional Information |
|
Feature |
Junior Savings Investment Accounts |
|
Minimum opening balance |
$0 |
|
Cheque Book |
No |
|
EFTPOS/ATM Access |
No |
|
Internet/Telephone banking |
Yes |
|
Bpay®/EFT's |
No |
|
Interest Income |
Calculated daily, paid bi-annually |
|
Over the counter transactions |
Yes, child's signiture required |
|
S7 Christmas Savings Account
By saving regularly, you can be well prepared for Christmas. To help you save, withdrawals are only available between 1 November and 31 January each year.
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No account keeping fees
-
Restricted withdrawals to help you save
-
Interest calculated daily, and credit annually at the end of October
|
1.50% pa
interest rate |

|
|
Additional Information |
|
Feature |
Christmas Savings Account |
|
Account keeping fees |
$0 |
|
Cheque Book |
No |
|
EFTPOS/ATM Access |
No |
|
Internet/Telephone banking |
Yes |
|
Bpay®/EFT's |
No |
|
Interest Income |
Calculated daily, paid annually (end of October) |
|
Over the counter transactions |
Yes |
|
S8 Investment Savings Account
FSCU offers a wide variety of special accounts to assist you with saving and budgeting.
-
No account keeping fees
-
At Call Account
-
Interest calculated on the daily balance and paid end of May and November each year
|
Up to 1.50% pa
interest rate |

|
|
Additional Information |
|
Feature |
Investment Savings Account |
|
Account keeping fees |
$0 |
|
Minimum opening balance |
$0 |
|
Cheque Book |
No |
|
EFTPOS/ATM Access |
No |
|
Internet/Telephone banking |
Yes |
|
Bpay®/EFT's |
Yes |
|
Interest Income |
Calculated daily, paid bi-annually |
|
Over the counter transactions |
Yes |
|
S5 High Return Savings Account
FSCU offers a special account for the serious saver.
-
Interest paid monthly
-
Funds available at call
-
Interest calculated daily and paid monthly
-
One free withdrawal per month
|
3.25% pa
interest rate (3.00% effective 20th June 2013) |

|
|
Additional Information |
|
Feature |
High Return Savings Account |
|
Minimum opening balance |
$0 |
|
Cheque Book |
No |
|
EFTPOS/ATM Access |
No |
|
Internet/Telephone banking |
Yes, deposits and balances only |
|
Bpay®/EFT's |
No |
|
Interest Income |
Calculated daily, paid monthly |
|
Over the counter transactions |
Yes |
|
S20 Pensioner Plus Account (Deeming Account)
FSCU offers a special account for the retired member.
-
No account keeping fees
-
Interest calculated daily, paid monthly
-
Member cheque books available
|
Up to 3.50% pa
interest rate |

|
|
Additional Information |
|
Feature |
Pensioner Plus Account |
|
Account keeping fees |
$0 |
|
Minimum opening balance |
$0 |
|
Cheque Book |
Yes |
|
EFTPOS/ATM Access |
Yes |
|
Internet/Telephone banking |
Yes |
|
Bpay®/EFT's |
Yes |
|
Interest Income |
Calculated daily, paid monthly |
|
Over the counter transactions |
Yes* |
|
S21 Business Accounts
The right Business Account can make it easier for you do business.
-
Interest rate applicable to the total balance of each Business Account
-
Interest calculated on the daily balance and paid 31st May each year
-
Member cheque books available
-
Overdraft facility available
|
0.05% pa
interest rate |

|
|
Additional Information |
|
Feature |
Business Accounts |
|
Account keeping fees |
$0 |
|
Minimum opening balance |
$0 |
|
Cheque Book |
Yes |
|
EFTPOS/ATM Access |
Yes |
|
Internet/Telephone banking |
Yes |
|
Bpay®/EFT's |
Yes |
|
Interest Income |
Calculated daily, paid annually |
|
Over the counter transactions |
Yes* |
|
More Information
Questions?
If you have any questions, please contact us 
*Transaction fees apply, please see our fees and charges.