¹ No minimum deposit. Interest is calculated on the daily balance and paid monthly.

² No minimum balance. Interest is calculated on the daily balance and paid monthly.

³ No minimum balance, withdrawals from 1 November to 31 January each year. Interest is calculated on the daily balance and paid annually – 30 November.

⁴ Interest rate varies depending on the balance held and the status of the account (joint or single). No minimum deposit. Interest is calculated on the daily balance and paid monthly.

⁵ Interest rate varies depending on the balance held and the status of the account (joint or single). No minimum deposit. Interest is calculated on the daily balance and paid monthly.

⁶ Limited access account. Initial deposit and minimum balance $5,000. Minimum deposit $1,000. Minimum withdrawal $1,000. The interest rate is set weekly on a Monday. Interest is calculated on the whole daily balance and paid on the last day of very month.

⁷ Interest calculated daily and paid monthly. All accounts receive interest at the standard rate, qualifying accounts where a balance has been retained and at least one deposit of $1.00 or more has been made and no withdrawals taken during the month will also receive a bonus interest rate payment.

⁸ Lifestyle Accounts are only available to members aged 18-35 and limited to one account per membership. Standard interest applies when bonus conditions are not met. Bonus interest is paid if you deposit a minimum of $400 per calendar month and make no withdrawals or transfers. Maximum account balance that bonus interest will be paid on is $75,000. Interest will be calculated daily and paid monthly. To help promote savings, you are not able to order an access card on the Lifestyle account. For card access, a Transaction account can be opened.