The Finance Algorithm

At a glance

Base rate
0.01%

How it compares

This account 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.

This account: 0.01%Every other institution's highest, 33 in all

Each institution's best interest-paying business account, base plus any bonus. One dot per institution, at its highest business savings rate anyone can apply for; hover or tap a dot for its name.

RateThis accountBest anywhereTypical institutionWhere it sits
Business savings accountEach institution's best interest-paying business account, base plus any bonus0.01%5.40%Great Southern Bank Business+'s Business+ Saver0.55%of 34 institutions24th highest of 34, level with 10 others

Rates

Every rate Central Murray Credit Union Limited publishes for this account, 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 paymentsPayID

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.