The Finance Algorithm

At a glance

Variable
0.01%

Rates

Every rate Central Murray Credit Union Limited publishes for this overdraft, 4 in all.

TypeApplies toTermBandRateComparisonConditions
Variable--up to $5,0000.01%-paid every 12 yrs
Variable--$20,000–$50,0000.01%-paid every 12 yrs
Variable--$5,000–$20,0000.01%-paid every 12 yrs
Variable--$50,000+0.05%-paid every 12 yrs

Fees

25 fees published, grouped by when they're charged.

While you hold it1

  • VISA_SERVICE_FEE
    $3

When you make a transaction21

  • DUPLICATE_DEPOSIT_BOOK
    $5
  • MEMBER_CHEQUE_BOOK_-_100_CHEQUES
    $8
  • MEMBER_CHEQUE_BOOK_-_25_CHEQUES
    $3
  • MEMBER_CHEQUE_BOOK_-_50_CHEQUES
    $5
  • ATM_TRANSACTIONS
    $0.75
  • BUSINESS_CHEQUE_DEPOSIT_FEE
    $0.80
  • DECLINED_ATM_FEE
    $0.75
  • DECLINED_EFTPOS_FEE
    $0.75
  • DIRECT_DEBIT_DISHONOUR
    $10
  • DIRECT_DEBIT_PROCESSING
    $0.20
  • DIRECT_DEBIT_VIA_MEMBER_CHEQUING
    $5
  • EFTPOS_CHARGE
    $0.75
  • FUTURE_DATED_BPAY
    $0.50
  • FUTURE_DATED_EFT_-_EXTERNAL
    $0.50
  • FUTURE_DATED_OSKO
    $0.20
  • MEMBER_CHEQUE_PRESENTMENT_FEE
    $0.40
  • OTC_BPAY
    $0.50
  • OTC_CASH_WITHDRAWAL
    $2.50
  • OTC_EFT_EXTERNAL
    $0.50
  • OTC_TRANSFERS
    $2.50
  • OVERSEAS_VISA_DEBIT_ATM_WITHDRAWAL
    $5

When particular things happen3

  • CORPORATE_CHEQUE
    $15
  • DEPOSITED_CHEQUE_DISHONOUR_FEE
    $50
  • MEMBER_CHEQUE_STOP_PAYMENT
    $50

Features

Instant paymentsPayIDOverdraft

Eligibility and limits

  • Available to businesses

Published by Central Murray Bank under the Consumer Data Right, last changed by them on 31 July 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.