Goulburn Murray Credit Union Co-Operative LtdAdvantage Saver
Advantage Saver account is a savings account for those dedicated to a regular savings plan. A bonus rate is available in months where there are no withdrawals and a deposit of at least $20.
At a glance
- Up to
- 4.80%
- Base rate
- 0.01%
- Bonus rate
- 4.79%
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.
What a bonus account pays in a month its conditions aren't met. One dot per institution, at its highest base rate on a bonus savings account anyone can apply for; hover or tap a dot for its name.
| Rate | This account | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Bonus savings accountBase plus bonus, when every condition is met | 4.80% | 5.75%Defence Bank Limited's iSaver | 5.25%of 51 institutions | 38th highest of 51, level with one other |
| Bonus account, conditions missedWhat a bonus account pays in a month its conditions aren't met | 0.01% | 3.45%Heritage's Online Saver Account | 0.10%of 43 institutions | 36th highest of 43, level with 7 others |
Rates
Every rate Goulburn Murray Credit Union Co-Operative Ltd publishes for this account, 4 in all.
How the rate is made up
4.80%in a month every condition is met
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Bonus | - | - | up to $1 | 4.79% | - | paid every 1 mo |
| Bonus | - | - | $1+ | 4.79% | - | paid every 1 mo |
| Variable | - | - | up to $1 | 0.01% | - | paid every 1 mo |
| Variable | - | - | $1+ | 0.01% | - | paid every 1 mo |
Rate changes
2 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 2 Nov 2026 | Bonus, up to $1 | 4.54% | 4.79% | up 0.25 |
| 2 Nov 2026 | Bonus, $1+ | 4.54% | 4.79% | up 0.25 |
Each change is logged the night it appears in the rates gmcu publishes. See how every lender answered the RBA on the rate tracker.
Fees
One fee published, grouped by when they're charged.
When you make a transaction1
- CHEQUES_YOU_DEPOSIT
Fee for every cheque you deposit to your account
$0.20
Features
Eligibility and limits
- Available to individuals
Compare it with others
Put this product through a calculator
Published by gmcu under the Consumer Data Right, last changed by them on 1 Nov 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.