CENTRAL WEST CREDIT UNION LTD
S12 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
Savings & transaction accountsBank updated 1 June 2026
At a glance
- Base rate
- 1.25%
§ 01 — Rates · 6
| 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+ | 2.10% | — | paid every 1 mo |
§ 02 — Fees · 6
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| DORMANT_ACCOUNT_FEE | Event | $10 | — | Charged after 2 years of inactivity |
| 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 |
| DIRECT_DEBIT_REJECTION_FEE | Transaction | $10 | — | — |
| OVERDRAFT_ESTABLISHMENT_FEE | Upfront | $150 | — | Only applicable when applying for an Overdraft facility |
| OVERDRAWN_ACCOUNT_FEE | Withdrawal | $10 | — | — |
§ 03 — Features
Digital bankingUnlimited transactionsApple, Samsung & Google pay
- · Funds at call
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Australian Residences only
- · Must have a Smart or Premium Smart Home Loan
§ 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 1 June 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.