Central West Credit Union LtdS12 Smart
For customers who have a Smart or Premium Smart Variable Rate Home Loan who require a transaction fee free account with the option of a overdraft account
At a glance
- Base rate
- 1.25%
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.
| Rate | This account | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| No bonus conditionsPaid whatever you deposit or spend | 1.25% | 4.80%MoveBank's Online Saver | 2.25%of 61 institutions | 41st highest of 61, level with one other |
Rates
Every rate Central West Credit Union Ltd publishes for this account, 6 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableA overdraft facility is available on this account. Debit interest is charged every month | - | - | - | 0.00% | - | - |
| Variable | - | - | up to $5,000 | 1.25% | - | paid every 1 mo |
| Variable | - | - | $10,000–$25,000 | 1.40% | - | paid every 1 mo |
| Variable | - | - | $25,000–$50,000 | 1.45% | - | paid every 1 mo |
| Variable | - | - | $5,000–$10,000 | 1.30% | - | paid every 1 mo |
| Variable | - | - | $50,000+ | 2.20% | - | paid every 1 mo |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 2 Nov 2026 | Variable, $50,000+ | 2.10% | 2.20% | up 0.10 |
Each change is logged the night it appears in the rates Central West CUL publishes. See how every lender answered the RBA on the rate tracker.
Fees
6 fees published, grouped by when they're charged.
- When you take it out$150OVERDRAFT_ESTABLISHMENT_FEE
- While you hold itUp to $2.502 fees, each listed below
- When you close it or pay it offNo fee published
When you take it out1
- OVERDRAFT_ESTABLISHMENT_FEE
Only applicable when applying for an Overdraft facility
$150
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 transaction2
- DIRECT_DEBIT_REJECTION_FEE$10
- OVERDRAWN_ACCOUNT_FEE$10
When particular things happen1
- DORMANT_ACCOUNT_FEE
Charged after 2 years of inactivity
$10
Features
- Funds at call
Eligibility and limits
- Minimum age 18
- Residency: Australian Residences only
- Must have a Smart or Premium Smart Home Loan
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Published by Central West CUL under the Consumer Data Right, last changed by them on 1 Nov 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.