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People's Choice and Heritage · Transaction accounts
Dream Fund
People's Choice and Heritage's Dream Fund is a transaction 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 October 2026, up from 5.14% to 5.54%.
Advertised rate
5.54%
headline tier
Tiers
3
current rate rows
Last moved
+0.40pp
1 October 2026
Advertised rate, last 30 days. Unchanged over the last 30 days.
Every current rate (3)
| Tier | Rate |
|---|---|
| Variable | 0.01% |
| Bonus, $100,000 and overApplicable on the portion of the balance over $100,000 | 4.39% |
| Bonus, up to $100,000Applicable on balances up to $100,000 | 5.54% |
Rate moves, last 30 days
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 as a fee on establishment of each new staff assisted external electronic payment . | $1.50 |
| Corporate Chequewhen it happens: Charged each time a Corporate Cheque is issued. | $10 |
| Direct Debit Dishonourwhen it happens: Applies when your account has insufficient funds to cover the amount of a direct debit. | $5 |
| Otherswhen it happens: All People's Choice Credit Union Fees and Charges are referenced within the disclosure document linked below. | $1 |
| Emergency same day transferwhen it happens: Applies for when a new staff assisted same day transfer external or Heritage electronic payment is debited from your account. | $11 |
| Direct Debit Dishonour Feewhen it happens: Applies when your account has insufficient funds to cover the amount of a direct debit. | $5 |
| Frequent Statement Feewhen it happens: This fee applies to members who request a statement more regularly than the statement cycle specified in the Summary of Term Investment Accounts table in Chapte | $2 |
| Duplicate/replacement Statementwhen it happens: Applies when you request us to provide a copy of a statement that has already been issued (including where you request a paper copy of an eStatement). | $10 |
| Access Tokenwhen it happens: Applies for each active Access Token. | $20 |
| 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 |
Other People's Choice and Heritage transaction accounts
Target Bonus Account 4.49%Youth Target Bonus Account 4.49%Business Access Account 0.01%Simply Access Transaction Account 0.01%Youth Simply Access Transaction Account 0.01%
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