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Credit Union SA · Transaction accounts
55+ Account
Credit Union SA's 55+ Account is a transaction account. The figures are the ones Credit Union SA publishes under the Consumer Data Right today. The advertised rate last moved on 13 October 2026, up from 2.15% to 2.40%.
Advertised rate
2.40%
headline tier
Tiers
3
current rate rows
Last moved
+0.25pp
13 October 2026
Advertised rate, last 30 days. Between 2.15% and 2.40% over the last 30 days.
Every current rate (3)
| Tier | Rate |
|---|---|
| Variable55+ Account < $50,000 | 1.10% |
| Variable, $50,000 and over55+ Account $50,000 - $250,000 | 2.05% |
| Variable, $250,000 and over55+ Account > $250,000 | 2.40% |
Rate moves, last 30 days
- 13 October 2026: 3 tiers lifted 0.25pp; the lowest, Variable, from 0.85% to 1.10%.
Published fees
| Fee | Amount |
|---|---|
| Deposit Periodicrecurring: Where permitted by the account terms and conditions, you can perform unlimited transactions of the following types and we will not charge you a transaction fee: | $0 |
| Transactionper transaction: Payable whenever we send you a letter because you do not make a repayment in full on or before the due date and the default continues for 3 days or more. | $0 |
| Arrearswhen it happens: Payable each day that your account is overdrawn (where you have no approved credit limit) or the account is overdrawn beyond your approved credit limit and you | $15 |
| Overdraft or overlimit feewhen it happens: Payable when you perform a transaction in a currency other than Australian dollars using a Visa card. | $15 |
| Currency Conversionwhen it happens | see lender |
| Direct Debit Dishonourwhen it happens: Payable when you have insufficient funds at the time a direct debit is set to occur and the direct debit is dishonoured | $10 |
| Paper Statementrecurring: If you have not opted in for eStatements and we send a paper statements to your nominated postal address we have on record. | $2 |
| Lost VISA Cardwhen it happens: Payable when you lose or misplace your VISA Card and we need to order you a new card | $10 |
Other Credit Union SA transaction accounts
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