The Finance Algorithm

At a glance

Base rate
0.01%

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: 0.01%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 spend0.01%4.80%MoveBank's Online Saver2.25%of 61 institutions57th highest of 61, level with 4 others

Rates

Every rate Transport Mutual Credit Union Ltd publishes for this account, 5 in all.

TypeApplies toTermBandRateComparisonConditions
VariableWHERE ACCOUNT USED WITH AN OVERDRAFT---0.00%--
Variable--up to $5,0000.01%-paid every 1 mo
Variable--$20,000–$50,0000.04%-paid every 1 mo
Variable--$5,000–$20,0000.02%-paid every 1 mo
Variable--$50,000+0.07%-paid every 1 mo

Fees

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

When you take it out1

  • STAFF_ASSISTED_TRANSACTION
    $5

When you make a transaction5

  • ATM_BALANCE_FEE
    $0.50
  • BANK@POST_FEE
    $2.50
  • COUNTER_CHEQUE_FEE
    $5
  • EXCESS_ATM/EFT_FEE
    $1.50
  • MEMBER_CHEQUE_FEE
    $1.50

When particular things happen1

  • PAPER_STATEMENT_FEE
    $2

Features

Overdraft

Eligibility and limits

  • Available to individuals

Published by TMCU under the Consumer Data Right, last changed by them on 9 Oct 2025. 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.