Fire Service Credit Union
S20 Retiree Access
A transaction account designed for retired members offering competitive interest rates.
Savings & transaction accountsBank updated 20 May 2026
At a glance
- Base rate
- 1.25%
§ 01 — Rates · 3
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | — | — | up to $4,999 | 1.25% | — | paid every 1 mo |
| Variable | — | — | $5,000–$49,999 | 1.85% | — | paid every 1 mo |
| Variable | — | — | $50,000+ | 2.30% | — | paid every 1 mo |
§ 02 — Fees · 18
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Corporate Cheque Stop Payment Fee | Event | $20 | — | Corporate Cheque Stop Payment fee |
| Direct Debit Dishonour Fee | Event | $10 | — | Payable whenever we dishonour a direct debit on your account due to insufficient funds. |
| Direct Debit Honour Fee | Event | $5 | — | Payable when we honour a direct debit on your account despite insufficient funds |
| Document Search Fee | Event | $5 | — | Payable when we have to search for documents or information in storage. |
| Dormant Account Fee | Event | $20 | — | Payable whenever there has been no transaction other than interest on your membership for a period of 12 months |
| Manual 'Other Bank' Deposits | Event | $10 | — | Payable whenever a deposit is processed manually through another Financial Institution |
| Overdrawn Account fee | Event | $10 | — | 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 |
| Payment Corrections | Event | $30 | — | Payable per manual DE Trace, BPAY enquiry, BPAY error correction or Mistaken Internet Payment |
| Periodical Payment Fee | Event | $5 | — | 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. |
| Real Time Gross Settlement Inward Payment | Event | $15 | — | — |
| Real Time Gross Settlement Outward Payment | Event | $30 | — | — |
| Replacement PIN Fee | Event | $5 | — | We reorder and post a PIN to replace a forgotten PIN. |
| Replacement Statement Fee | Event | $2 | — | Payable when you request a copy of a statement that has already been issued |
| Second Visa Debit Card | Event | $50 | — | A second card is ordered on a membership |
| Staff Assisted External Transfer | Event | $2 | — | Staff assisted transfers, per transaction |
| Visa Charge Back Fee | Event | $30 | — | 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… |
| Visa Debit Card Replacement Fee | Event | $20 | — | We replace a lost or damaged Visa Debit card |
| Corporate Cheque Withdrawal Fee | Transaction | $10 | — | Corporate Cheque withdrawal, per cheque |
§ 03 — Features
Instant paymentsPayIDDigital bankingUnlimited transactionsMobile Wallet
§ 04 — Eligibility & limits
- · 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.
§ 05 — Compare
§ 06 — Run the numbers
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Published by Fire Service Credit Union under the Consumer Data Right, last changed by them on 20 May 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.