The Finance Algorithm
Warwick Credit Union logoWarwick Credit Union

CHOICE ACCOUNT

CHOICE ACCOUNT

Savings & transaction accountsBank updated 6 Oct 2026

At a glance

Base rate
0.10%

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.

This account: 0.10%Every other institution's highest, 60 in all

Paid whatever you deposit or spend. One dot per institution, at its highest savings rate with no bonus conditions anyone can apply for; hover or tap a dot for its name.

RateThis accountBest anywhereTypical institutionWhere it sits
No bonus conditionsPaid whatever you deposit or spend0.10%4.80%MoveBank's Online Saver2.25%of 61 institutions51st highest of 61, level with 4 others

Rates

Every rate Warwick Credit Union publishes for this account, 5 in all.

TypeApplies toTermBandRateComparisonConditions
Variable---20.26%--
Variable--up to $5,0000.10%-paid every 1 mo
Variable--$10,000–$20,0000.50%-paid every 1 mo
Variable--$20,000+0.55%-paid every 1 mo
Variable--$5,000–$10,0000.50%-paid every 1 mo

Rate changes

4 changes logged, newest first.

DateRateWasNowChange
14 Oct 2026Variable, up to $5,0000.00%0.10%up 0.10
14 Oct 2026Variable, $10,000–$20,0000.40%0.50%up 0.10
14 Oct 2026Variable, $20,000+0.45%0.55%up 0.10
14 Oct 2026Variable, $5,000–$10,0000.40%0.50%up 0.10

Each change is logged the night it appears in the rates Darling Downs Bank publishes. See how every lender answered the RBA on the rate tracker.

Fees

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

While you hold it2

  • MEMBERSHIP_FEE

    Charged when becoming a customer of WCU

    $5
  • STATEMENT_FEE

    When paper statements are requested - charged on statement cycle

    $2

When you make a transaction9

  • CHEQUE_BOOK_ISSUE_100_CHQS

    Fee payable every time a cheque book is supplied to a customer

    $32
  • CHEQUE_BOOK_ISSUE_200_CHQS

    Fee payable every time a cheque book is supplied to a customer

    $65
  • CHEQUE_BOOK_ISSUE_25_CHQS

    Fee payable every time a cheque book is supplied to a customer.

    $8.25
  • ENCODED_DEPOSIT_BOOK_ISSUED

    Fee payable ever time an encoded deposit book has been issued to a customer

    $3
  • ATM_TRANSACTION_FEE_OTHER_ATM_WITHDRAWALS

    ATM Fees are debited to the account with which the card is linked as part of end of day processing

    $1.50
  • EXCESS_DRAWINGS_FEE

    When funds are transferred to cover drawings without customer established instructions

    $5
  • OVERSEAS_TRANSACTION_FEE

    Fee applied by WCU when a withdrawal is made at an ATM overseas (including VISA access card cash advances)

    $4
  • PERIODIC_PAYMENT_FEE_BRANCH_ACTIONED

    Transfers to a non-WCU Account. WCU to WCU are free

    $6.50
  • PHONE_ASSISTED_TRANSFERS

    Only charged when staff assistance is required to transfer funds over the phone

    $2.50

When particular things happen2

  • ATM_TRANSACTION_FEE_BALANCE_ENQUIRY

    ATM Fees are debited to the account with which the card is linked as part of end of day processing

    $1.50
  • VISA_DEBIT_CARD_REPLACEMENT

    Charged unless proven compromised or stolen

    $12

Features

Instant paymentsPayIDDigital bankingOverdraftApple Pay and Google Pay
  • Personal Cheque Facility

Eligibility and limits

  • Residency: Individuals must be citizens or permanent residents of Australia.
  • Must be a member of the Credit Union

Published by Darling Downs Bank under the Consumer Data Right, last changed by them on 6 Oct 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.