The Finance Algorithm
Fire Service Credit Union logoFire Service Credit Union

S20 Retiree Access

A transaction account designed for retired members offering competitive interest rates.

Savings & transaction accountsBank updated 15 Oct 2026
Apply at Fire Service Credit Union ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Base rate
1.35%

Rates

Every rate Fire Service Credit Union publishes for this account, 3 in all.

TypeApplies toTermBandRateComparisonConditions
Variable--up to $4,9991.35%-paid every 1 mo
Variable--$5,000–$49,9991.85%-paid every 1 mo
Variable--$50,000+2.50%-paid every 1 mo

Rate changes

2 changes logged, newest first.

DateRateWasNowChange
16 Oct 2026Variable, up to $4,9991.25%1.35%up 0.10
16 Oct 2026Variable, $50,000+2.30%2.50%up 0.20

Each change is logged the night it appears in the rates Fire Service Credit Union publishes. See how every lender answered the RBA on the rate tracker.

Fees

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

When you make a transaction1

  • Corporate Cheque Withdrawal Fee

    Corporate Cheque withdrawal, per cheque

    $10

When particular things happen17

  • Corporate Cheque Stop Payment Fee

    Corporate Cheque Stop Payment fee

    $20
  • 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 Charge Back Fee

    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

Instant paymentsPayIDDigital bankingUnlimited transactionsMobile Wallet

Eligibility and 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.

Published by Fire Service Credit Union under the Consumer Data Right, last changed by them on 15 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.