The Finance Algorithm
The Capricornian logoThe Capricornian

Everyday Saver Account

An account with anytime access that rewards you with interest, as well as provides branch and staff assisted withdrawals and transfers.

Savings & transaction accountsBank updated 17 July 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 institutions52nd highest of 61, level with 3 others

Rates

The one rate The Capricornian publishes for this account.

TypeApplies toTermBandRateComparisonConditions
Variable---0.10%-paid every 1 mo

Fees

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

When you make a transaction2

  • BPAY - Branch and Contact Centre processed.
    $3
  • External Funds Transfer - Branch and Contact Centre processed.
    $3

Features

Instant paymentsPayIDDigital banking
  • Account sweep available Our sweep service automatically transfers funds from certain savings accounts to cover most transactions which would otherwise exceed your transaction account's available bala…

Eligibility and limits

  • Residency: Individuals must be citizens or permanent residents of Australia.
  • You will need to become a member of the Credit Union before we can issue The Capricornian Account and Access Facility to you

Published by The Capricornian under the Consumer Data Right, last changed by them on 17 July 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.