Lenders › People's Choice and Heritage › Community and Business Saver
People's Choice and Heritage · Savings accounts
Community and Business Saver
People's Choice and Heritage's Community and Business Saver is a savings account. The figures are the ones People's Choice and Heritage publishes under the Consumer Data Right today. The advertised rate last moved on 1 November 2026, up from 1.35% to 1.60%.
Advertised rate
1.60%
headline tier
Tiers
2
current rate rows
Last moved
+0.25pp
1 November 2026
Advertised rate, last 30 days. Between 1.35% and 1.60% over the last 30 days.
Every current rate (2)
| Tier | Rate |
|---|---|
| Variable, $5,000 and overBusiness Online Account >$5,000 | 1.60% |
| Variable, $1 to $4,999Business Online Account -$1 - $4,999 | 1.60% |
Rate moves, last 30 days
- 1 November 2026: Variable, $1 to $4,999 lifted 0.25pp, from 1.35% to 1.60%.
Published fees
| Fee | Amount |
|---|---|
| Auto Transfer Order Rejectionper transaction: Applies when your account has insufficient funds to cover a payment. | $5 |
| Electronic Auto Transfer Orderper transaction: Applies for when a new staff assisted external electronic payment is set up to debit from your account as a once off payment, including staff assisted transfers | $1.50 |
| Otherswhen it happens: All People's Choice Credit Union Fees and Charges are referenced within the disclosure document linked below. | $1 |
| Company and Business Name Searchwhen it happens | $20 |
| Direct Debit Dishonour Feewhen it happens: Applies when your account has insufficient funds to cover the amount of a direct debit. | $5 |
| Direct Debit Honour Feewhen it happens: Applies when a direct debit is paid from your account where insufficient funds are available. | $10 |
| Overdrawn Administration Fee 1when it happens: Payable if you overdraw your account without an approved overdraft or line of credit and you fail to deposit funds to the account to clear all overdrawn amounts | $25 |
| Overdrawn Administration Fee 2when it happens: Payable if you overdraw your account without an approved overdraft or line of credit and your account remains overdrawn for a period of 20 days or more. | $25 |
| Frequent Statement Feewhen it happens: This fee applies to members who request a statement more regularly than the statement cycle specified in the product terms and conditions. | $2 |
| Paper Statement Feewhen it happens: Applies to each paper statement issued as per the statement cycle specified. | $3 |
Other People's Choice and Heritage savings accounts
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