Educator+ Account
A transaction account that pays interest on your entire balance, no matter how many transactions you make. Earn interest while you spend, No minimum balance required for interest to start being paid and Flexible access to funds any time without penalty. This is an exclusive offer for current and retired employees of the South Australian education community, students studying education, and their eligible immediate family members as part of our Knowledge Counts banking benefits.
- Base rate
- 1.50%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | — | — | — | 1.50% | — | paid every 1 mo |
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Arrears | Event | $15 | — | Payable each day that your account is overdrawn (where you have no approved credit limit) or the account is overdrawn beyond your approved credit limit and you have performed at least one debit trans… |
| Currency Conversion | Event | 3.00% of transaction | — | — |
| Direct Debit Dishonour | Event | $10 | — | Payable when you have insufficient funds at the time a direct debit is set to occur and the direct debit is dishonoured |
| Lost VISA Card | Event | $10 | — | Payable when you lose or misplace your VISA Card and we need to order you a new card |
| Overdraft or overlimit fee | Event | $15 | — | Payable when you perform a transaction in a currency other than Australian dollars using a Visa card. This fee is included in the AUD amount debited to your account and comprises 2.00% charged by thi… |
| Deposit Periodic | Periodic | No fee | — | Where permitted by the account terms and conditions, you can perform unlimited transactions of the following types and we will not charge you a transaction fee: ATM enquiry, ATM transfer, ATM withdra… |
| Paper Statement | Periodic | $2 | — | If you have not opted in for eStatements and we send a paper statements to your nominated postal address we have on record. Note: An electronic statement can be requested at any time with no fee paya… |
| Transaction | Transaction | No fee | — | Payable whenever we send you a letter because you do not make a repayment in full on or before the due date and the default continues for 3 days or more. |
- · Round-ups (origin account)
- · Round-ups (destination account)
- · Lock, block and control your card
- · Business Banking can be attached to the product
- · Knowledge Counts Banking Benefits members and students carrying out studies in education and eligible family members (these are parents, children, grandparents, grandchildren, siblings and partners o…
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Published by Credit Union SA under the Consumer Data Right, last changed by them on 29 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.