CENTRAL WEST CREDIT UNION LTD
Visa Access Account
Even out those peaks and troughs in your monthly budget with a safety net overdraft.
OverdraftsBank updated 31 May 2026
At a glance
- Variable
- 12.50%
- Loan size
- $500 to no maximum
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableInterest payment in Arrears | — | — | — | 12.50% | — | — |
§ 02 — Fees · 8
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| DORMANT_ACCOUNT_FEE | Event | $10 | — | Charged after 2 years of inactivity |
| VISA_CARD_REPLACEMENT_FEE | Event | $15 | — | — |
| MONTHLY_VISA_CARD_FEE | Periodic | $2 | — | Fee is applicable to active cards only Relationship Balance Under 16 years of age |
| PAPER_STATEMENT_FEE | Periodic | $2.50 | — | Under 16 years of age |
| DECLINED_ATM/EFT_FEE | Transaction | $0.50 | — | Under 18 years of age |
| EFTPOS | Transaction | $0.50 | — | Discounts apply Relationship Balance Under 21 years of age |
| STAFF_ASSISTED_BPAY_TRANSACTION_FEE | Transaction | $1 | — | — |
| STAFF_ASSISTED_DIRECT_TRANSFER_FEE | Transaction | $5 | — | $10 for immediate transfer |
§ 03 — Features
Digital bankingUnlimited transactionsOverdraftApple, Samsung & Google Pay
- · Overdraft is Unsecured
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Australian Residents only
- · Amount $500 to no maximum
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by Central West CUL under the Consumer Data Right, last changed by them on 31 May 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.