The Finance Algorithm

At a glance

Base rate
0.00%

Rates

Every rate Central Murray Credit Union Limited publishes for this account, 10 in all.

TypeApplies toTermBandRateComparisonConditions
Variable--up to $5,0000.00%-paid every 3 mo
Variable--$100,000–$200,0000.15%-paid every 3 mo
Variable--$20,000–$50,0000.10%-paid every 3 mo
Variable--$200,000–$300,0000.15%-paid every 3 mo
Variable--$300,000–$400,0000.15%-paid every 3 mo
Variable--$400,000–$500,0000.15%-paid every 3 mo
Variable--$5,000–$20,0000.05%-paid every 3 mo
Variable--$50,000–$100,0000.10%-paid every 3 mo
Variable--$500,000–$600,0000.15%-paid every 3 mo
Variable--$600,000+0.15%-paid every 3 mo

Fees

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

While you hold it1

  • VISA_SERVICE_FEE
    $3

When you make a transaction17

  • DUPLICATE_DEPOSIT_BOOK
    $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
  • 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 happen1

  • DEPOSITED_CHEQUE_DISHONOUR_FEE
    $50

Features

Instant paymentsPayID

Eligibility and limits

  • Minimum balance $5,000

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.