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Savings Accounts

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You might have a particular savings goal in mind. You might be investing. Or you might just be putting something away for a rainy day. But whatever you’re saving for, we can help. Our Accumulator range of savings accounts offer high interest rates, and a number of intelligent features to help you get there faster.

IQ Saver

Don’t visit the branch much? If you find you’re doing all your banking online, the IQ Saver is perfect for you. You’ll get a higher rate of interest, and no monthly account keeping fees. You can even access it on your mobile, for banking that’s as mobile as you are.

High variable interest on balances over $2,000
No account keeping fees
Immediate access to funds 24/7

Up to 3.75% pa
interest rate

Additional Information

Features	IQ Saver
Minimum opening balance	$1
Funds available at call	Yes
Cheque Book	No
VISA, EFTPOS/ATM	No
Internet/Telephone/SMS banking	Yes
Direct entry (credit/debit)	Credit only
Bpay®/Pay Anyone	No
Interest Income	Calculated daily, paid monthly
Over the counter transactions	No

CU+ Saver

If you’ve got a savings goal, you’ll reach it faster with the CU+ Saver. With high interest and no monthly account keeping fees, the CU+ Saver will reward you with a higher interest rate for making regular deposits.

Higher rate of interest
No account keeping fees
Access via internet and phone banking

Up to 4.55% pa***
interest rate

Additional Information

Features	CU+ Saver
Minimum opening balance	$1
Funds available at call	Yes
Cheque Book	No
VISA, EFTPOS/ATM	Yes
Internet/Telephone/SMS banking	Yes
Direct entry (credit/debit)	Credit and Debit
Bpay®/Pay Anyone	Yes
Interest Income	Calculated daily, paid monthly
Over the counter transactions	Yes

Christmas Account

Use this account to save for a specific purpose such as Christmas expenses, a holiday or school fees.

NO account keeping fees
Payroll deduction
Tiered interest rate

Up to 1.00% pa**
interest rate

Additional Information

Features	Christmas
Minimum opening balance	$1
Funds available at call	Yes (conditions & fees may apply)
Cheque Book	No
VISA, EFTPOS/ATM	No
Internet/Telephone/SMS banking	Yes (conditions & fees may apply)
Direct entry (credit/debit)	Credit only
Bpay®/Pay Anyone	Yes (conditions & fees may apply)
Interest Income	Calculated daily, paid 1 Nov-31 Jan
Over the counter transactions	Yes (conditions & fees may apply)

Wildlife Saver

We will donate 1c in every dollar deposited into a Wildlife Saver account to projects that protect our natural environment and the endangered animals that live within it. This account is a fun filled way for parents to help their children understand the value of money and the importance of caring for the environment.

No monthly account keeping fees
No minimum deposit or withdrawals
Bonus interest for saving

Up to 4.55% pa***
interest rate

Additional Information

Features	Wildlife Saver
Minimum opening balance	$1
Funds available at call	Yes
Cheque Book	No
VISA, EFTPOS/ATM	No
Internet/Telephone/SMS banking	Yes (some restrictions apply)
Direct entry (credit/debit)	Credit only
Bpay®/Pay Anyone	No
Interest Income	Calculated daily, paid monthly
Over the counter transactions	No

Junior Saver

An account specifically for our junior members who are too young to operate their own account.

NO account keeping fees
Higher rate of interest
Restricted access: no cards or electronic access

Up to 3.00% pa
interest rate

Additional Information

Features	Junior Saver
Minimum opening balance	$1
Funds available at call	Yes
Cheque Book	No
VISA, EFTPOS/ATM	No
Internet/Telephone/SMS banking	No
Direct entry (credit/debit)	Credit Only
Bpay®/Pay Anyone	No
Interest Income	Calculated daily, paid quarterly
Over the counter transactions	Yes

Teen Saver

This account is for young transactors who are able to understand and operate their own transaction/savings account. Available for members up to the age of 21.

NO account keeping fees
Access to Redicard and EFTPOS
$10 transaction allowance

Up to 0.75% pa
interest rate

Additional Information

Features	Teen Saver
Minimum opening balance	$1
Funds available at call	Yes
Cheque Book	No
VISA, EFTPOS/ATM	Yes (some restrictions apply)
Internet/Telephone/SMS banking	Yes (some restrictions apply)
Direct entry (credit/debit)	Credit and Debit
Bpay®/Pay Anyone	Yes
Interest Income	Calculated daily, paid quarterly
Over the counter transactions	Yes

Useful Links and Tools

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

***Earn Bonus Interest when you make at least one deposit and no withdrawals in the same month

Interest rates effective 17/05/2012 and are subject to change. ® registered to BPay Pty. Ltd}

_{Catalyst Mutual is a division of Community Alliance Credit Union Limited the product issuer of the deposit and payment products. ABN 14 087 650 771 AFSL No. 245 576. Any advice given is of general nature only and does not take into consideration your objectives, financial situation or needs. Please consider the appropriateness of the advice before acting.}