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Savings Interest Rates

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Our interest rates have been designed with you in mind - our members. We do not inflate rates as we do not have shareholders taking a percentage of our profits. Any profits we make are returned to you through better products, rates and fees. Take a look at our current interest rates below.

Transaction Accounts

Access
Balance	Interest Rate (pa)
$0 - $499	0.00%
$500 - $19,999	0.00%
$20,000 - $49,999	0.00%
$50,000 - $99,999	0.00%
$100,000 +	0.00%

Deeming
Balance	Interest Rate (pa)
$0 - $1,999	0.25%
$2,000 - $41,999	3.00%
$42,000 +	4.50%

UniSaver
Balance	Interest Rate (pa)
$0 - $19,999	0.05%
$20,000 - $49,999	0.15%
$50,000 - $99,999	0.50%
$100,000 +	0.75%

Cash Management
Balance	Interest Rate (pa)
$0 - $4,999	0.00%
$5,000 - $9,999	1.75%
$10,000 - $19,999	2.25%
$20,000 - $49,999	2.75%
$50,000 - $99,999	3.00%
$100,000 +	3.50%

Business Account
Balance	Interest Rate (pa)
$0 - $499	0.00%
$500 - $19,999	0.05%
$20,000 - $49,999	0.15%
$50,000 - $99,999	0.50%
$100,000+	0.75%

Savings Accounts

IQ Saver
Balance	Interest Rate (pa)
$0 - $1,999	0.00%
$2,000 - $49,999	3.75%
$50,000 +	3.75%

CU+ Saver & Wildlife Saver^
Balance	Interest Rate (pa)
$0 plus (nominal interest)	0.05%
$0 plus (bonus interest)	4.55%

Christmas account**
Balance	Interest Rate (pa)
$0 - $1,999	0.10%
$2,000 +	1.00%

Junior Saver
Balance	Interest Rate (pa)
$0 - $1,999	0.25%
$2,000 - $19,999	2.00%
$20,000 +	3.00%

Term Deposit Accounts

Interest on Maturity
	$1,000 - $4,999	$5,000 - $9,999	$10,000 - $24,000	$25,000 - $99,999
3 months	3.50%	4.60%	4.70%	4.80%
4 months	3.50%	3.50%	3.50%	3.50%
5 months	3.50%	3.50%	3.50%	3.50%
6 months	3.50%	4.50%	4.60%	4.70%
7 months	3.50%	3.50%	3.50%	3.50%
8 months	3.50%	3.50%	3.50%	3.50%
9 months	3.50%	3.50%	3.50%	3.50%
10 months	3.50%	3.50%	3.50%	3.50%
12 months	3.50%	4.40%	4.40%	4.50%

Six Monthly Interest
	$1,000 - $4,999	$5,000 - $9,999	$10,000 - $24,000	$25,000 - $99,999
13-23 months	3.35%	4.25%	4.25%	4.35%
24 months	3.40%	4.30%	4.30%	4.40%

Monthly Interest
	$1,000 - $4,999	$5,000 - $9,999	$10,000 - $24,000	$25,000 - $99,999
12 months	3.40%	4.10%	4.10%	4.20%
24 months	3.50%	4.20%	4.20%	4.30%
36 months	3.50%	4.20%	4.20%	4.30%

For interest rates on term deposit amounts of $100,000+, please contact Catalyst Mutual direct on 1300 864 266.

Additional Information

_{*These rates are 0.10% higher than the above Term Deposits (excluding Six Monthly and Monthly Interest)

**Withdrawals and transfers are permitted between 01 November and 31 January each year without penalty.}

_{^ 5.00% bonus interest is paid on the full account balance (calculated daily, paid monthly) provided you make at least 1 deposit and no withdrawals in the same month. No interest is paid in the month of closure.

Interest rates effective 17/05/2012 and are subject to change.}