Central West Credit Union LtdVisa Access Account
Even out those peaks and troughs in your monthly budget with a safety net overdraft.
At a glance
- Variable
- 12.50%
- Loan size
- $500 to no maximum
How it compares
This overdraft in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
Lowest advertised rate open to anyone, including lines of credit secured against a home. One dot per institution, at its lowest personal overdraft or line of credit rate anyone can apply for; hover or tap a dot for its name.
| Rate | This overdraft | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Personal overdraft or line of creditLowest advertised rate open to anyone, including lines of credit secured against a home | 12.50% | 7.49%Police Credit Union Limited's Allegro Line of Credit | 9.25%of 15 institutions | 11th lowest of 15 |
Rates
The one rate Central West Credit Union Ltd publishes for this overdraft.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableInterest payment in Arrears | - | - | - | 12.50% | - | - |
Fees
8 fees published, grouped by when they're charged.
While you hold it2
- MONTHLY_VISA_CARD_FEE
Fee is applicable to active cards only Relationship Balance Under 16 years of age
$2 - PAPER_STATEMENT_FEE
Under 16 years of age
$2.50
When you make a transaction4
- DECLINED_ATM/EFT_FEE
Under 18 years of age
$0.50 - EFTPOS
Discounts apply Relationship Balance Under 21 years of age
$0.50 - STAFF_ASSISTED_BPAY_TRANSACTION_FEE$1
- STAFF_ASSISTED_DIRECT_TRANSFER_FEE
$10 for immediate transfer
$5
When particular things happen2
- DORMANT_ACCOUNT_FEE
Charged after 2 years of inactivity
$10 - VISA_CARD_REPLACEMENT_FEE$15
Features
- Overdraft is Unsecured
Eligibility and limits
- Minimum age 18
- Residency: Australian Residents only
- Amount from $500, no maximum
Compare it with others
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.