The CapricornianYouth Access Account
The award-winning, Youth Access Account is designed for young people up to the age of 16 years, offering a full transactional account, no account service fee and no minimum monthly balance.
At a glance
- Base rate
- 1.75%
- Monthly fee
- $6
Rates
Every rate The Capricornian publishes for this account, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | - | - | up to $5,000 | 2.25% | - | paid every 1 mo; Account only for members under 18 years of age. |
| Variable | - | - | $5,000–$50,000 | 1.75% | - | paid every 1 mo; Account only for members under 18 years of age. |
Rate changes
2 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 9 Oct 2026 | Variable, up to $5,000 | 2.00% | 2.25% | up 0.25 |
| 9 Oct 2026 | Variable, $5,000–$50,000 | 1.50% | 1.75% | up 0.25 |
Each change is logged the night it appears in the rates The Capricornian publishes. See how every lender answered the RBA on the rate tracker.
Fees
7 fees published, grouped by when they're charged.
While you hold it1
- Account Service Fee
First account free for eligible members. $6.00 per month subsequent accounts. First account free
$6 a month
When you make a transaction5
- International Transaction Fee Over The Counter
Transaction fee charged at the result of an International Transaction being actioned after a staff assisted transaction.
$30 - Foreign Currency Conversion Fees
Foreign Currency will be converted to Australian currency at the wholesale market rate by VISA
3.00% of transaction - EFTPOS Including declined transactions$0.70
- International Transaction Fee via Internet Banking
Transaction fee charged at the result of the processing of an international transaction via Internet Banking.
$20 - Visa Debit Cash Advance$0.70
If a payment is late or fails1
- Dishonour Fee
Where there is not enough money in the account to pay a direct debit that the customer has setup.
$15
Features
- Our sweep service automatically transfers funds from certain savings accounts to cover most transactions which would otherwise exceed your transaction account's available balance.
Eligibility and limits
- Maximum age 16
- 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
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Published by The Capricornian under the Consumer Data Right, last changed by them on 9 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.