Fire Service Credit UnionS9 Offset Account
FSCU offer a Home Loan Offset account which is an everyday transactional or savings account that is linked to an eligible FSCU home loan, it can reduce the interest to help pay off your home loan sooner, the more money you have in your offset account the
At a glance
- Base rate
- 0.00%
Rates
The one rate Fire Service Credit Union publishes for this account.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableInterest is offset against your home loan rate | - | - | - | 0.00% | - | paid every 1 yr |
Fees
18 fees published, grouped by when they're charged.
When you make a transaction1
- Corporate Cheque Withdrawal Fee
Corporate Cheque withdrawal, per cheque
No fee
When particular things happen17
- Corporate Cheque Stop Payment Fee$35.88
- Direct Debit Dishonour Fee
Payable whenever we dishonour a direct debit on your account due to insufficient funds.
$10 - Direct Debit Honour Fee
Payable when we honour a direct debit on your account despite insufficient funds
$5 - Document Search Fee
Payable when we have to search for documents or information in storage.
$5 - Dormant Account Fee
Payable whenever there has been no transaction other than interest on your membership for a period of 12 months
$20 - Manual 'Other Bank' Deposits
Payable whenever a deposit is processed manually through another Financial Institution
$10 - Overdrawn Account fee
Payable whenever we send you a notice because your savings account is overdrawn with no pre-approved limit or your overdraft is over the approved limit
$10 - Payment Corrections
Payable per manual DE Trace, BPAY enquiry, BPAY error correction or Mistaken Internet Payment
$30 - Periodical Payment Fee
There are insufficient funds in your account, on four successive days, to make a requested payment. There are insufficient funds for any future dated BPAY payments.
$5 - Real Time Gross Settlement Inward Payment$15
- Real Time Gross Settlement Outward Payment$30
- Replacement PIN Fee
We reorder and post a PIN to replace a forgotten PIN.
$5 - Replacement Statement Fee
Payable when you request a copy of a statement that has already been issued
$2 - Second Visa Debit Card
A second card is ordered on a membership
$50 - Staff Assisted External Transfer
Staff assisted transfers, per transaction
$2 - Visa Chargeback
We charge back a merchant for a Visa Transaction, on your behalf. A Visa Chargeback is represented and, at your request, the associated dispute is escalated for Visa Arbitration and/or compliace revi…
$30 - Visa Debit Card Replacement Fee
We replace a lost or damaged Visa Debit card
$20
Features
Eligibility and limits
- Minimum age 18
- Residency: Australian Residents only
- Available to individuals
- To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services.
Compare it with others
Put this product through a calculator
Published by Fire Service Credit Union under the Consumer Data Right, last changed by them on 19 Mar 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.