WARWICK CREDIT UNION
PENSIONER CHOICE
PENSIONER CHOICE
Savings & transaction accountsBank updated 13 Feb 2026
At a glance
- Base rate
- 0.35%
§ 01 — Rates · 3
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | — | — | up to $2,000 | 0.35% | — | paid every 1 mo |
| Variable | — | — | $2,000–$46,601 | 1.10% | — | paid every 1 mo |
| Variable | — | — | $46,601+ | 1.60% | — | paid every 1 mo |
§ 02 — Fees · 11
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| ATM_TRANSACTION_FEE_BALANCE_ENQUIRY | Event | $1.50 | — | ATM Fees are debited to the account with which the card is linked as part of end of day processing |
| VISA_DEBIT_CARD_REPLACEMENT | Event | $12 | — | Charged unless proven compromised or stolen |
| CHEQUE_BOOK_ISSUE_100_CHQS | Payment | $32 | — | Fee payable every time a cheque book is supplied to a customer |
| CHEQUE_BOOK_ISSUE_200_CHQS | Payment | $65 | — | Fee payable every time a cheque book is supplied to a customer |
| CHEQUE_BOOK_ISSUE_25_CHQS | Payment | $8.25 | — | Fee payable every time a cheque book is supplied to a customer. |
| ENCODED_DEPOSIT_BOOK_ISSUED | Payment | $3 | — | Fee payable ever time an encoded deposit book has been issued to a customer |
| MEMBERSHIP_FEE | Periodic | $5 | — | Charged when becoming a customer of WCU |
| STATEMENT_FEE | Periodic | $2 | — | When paper statements are requested - charged on statement cycle |
| ATM_TRANSACTION_FEE_OTHER_ATM_WITHDRAWALS | Transaction | $1.50 | — | ATM Fees are debited to the account with which the card is linked as part of end of day processing |
| PERIODIC_PAYMENT_FEE_BRANCH_ACTIONED | Transaction | $6.50 | — | Transfers to a non-WCU Account. WCU to WCU are free |
| PHONE_ASSISTED_TRANSFERS | Transaction | $2.50 | — | Only charged when staff assistance is required to transfer funds over the phone |
§ 03 — Features
Offset accountInstant paymentsPayIDDigital bankingUnlimited transactionsApple Pay and Google Pay
- · Personal Cheque Book facility
§ 04 — Eligibility & limits
- · Residency: Individuals must be citizens or permanent residents of Australia
- · Must be a member of the Credit Union
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by Darling Downs Bank under the Consumer Data Right, last changed by them on 13 Feb 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.