Compare FCCS savings accounts

A wide array of savings products with lower fees and higher rates can help you be on the right track to a secure financial future.

Founded in Geelong in 1974, FCCS originally served the financial needs of Ford Motor Company employees. Through a number of mergers they expanded over the next 15 years, and by 1990 had begun offering savings products to all Australians regardless of employment. Although locally based, customers from all over the country are able to bank with FCCS using features such as internet and phone banking.

FCCS' rebranding

As of 26 November 2018, FCCS would officially be known as Geelong Bank. It remains a member-owned institution.

Rates last updated February 19th, 2020
Name Product Maximum Variable Rate p.a. Standard Variable Rate p.a. Bonus Interest p.a. Fees Min Bal / Min Deposit Interest Earned Product Description
UBank USaver
2019 Winner
UBank USaver
$0 / $0
Ongoing, variable 2.10% p.a. when you link your USaver account to a UBank Ultra transaction account and transfer at least $200 per month into either account. The linked transaction account has no monthly fees and no international fees. Bonus interest available on balances up to $200,000.
AMP Saver Account
$0 / $0
Introductory rate of 2.36% p.a. for 4 months, reverting to a rate of 1.40% p.a. The bonus rate offer is for new AMP Saver customers only, and applies to the first $250,000 deposited.
Rabobank Online Savings High Interest Savings Account
$0 / $0
Maximum variable rate of 2.50% p.a. for 4 months, reverting to a rate of 1.05% p.a. No deposit or withdrawal conditions. Available on balances below $250,000
Bank of Queensland Fast Track Saver Account
$0 / $0
Ongoing, variable 2.15% p.a. when you link to an BOQ Day2Day Plus Account, deposit $1,000+ into the Day2Day account each month from an external account and make 5+ eligible transactions per month. Available on balances up to $250,000.
Suncorp Growth Saver Account
$0 / $0
Ongoing, variable 1.90% p.a. when you grow your balance by at least $200 (excluding interest) and make no more than one withdrawal in the month. Available on the entire balance.
Bankwest Hero Saver
$0 / $0
Ongoing, variable 1.85% p.a. rate when you deposit at least $200 each month and make no withdrawals. Available on balances up to $250,000.
HSBC Serious Saver
$0 / $0
Receive a maximum variable rate of 2.35% p.a. for 4 months, reverting to an ongoing rate of 0.45% p.a. for each month you don't make any withdrawals from the account. Available on balances below $1,000,000.
Citibank Online Saver
$0 / $0
Introductory rate of 2.30% p.a. for 4 months, reverting to a rate of 0.85% p.a. Available on balances below $500,000.

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Awards that FCCS has earned

  • Money Magazine Best of the Best Winner – Best Savings Account Regular Deposits for a Non-Bank in 2015 for the Achieve Super Account
  • Money Magazine Best of the Best Winner – Best DIY Super Savings Account for a Non-Bank in 2010, 2011 and 2015 for the Superfund Maximiser Account

Who is FCCS?

Through a number of available services like online banking, ATMs and Bank@Post, FCCS provides their members with a wide variety of savings accounts that are designed to meet any need. Invest your pocket change to help make Christmas buying easier, or make start maximising your superfund in a high interest investment account. All of the advantages to big banking are here, making this an alternative worth taking a closer look at.

What is internet banking like for FCCS?

Using the advanced VIP Online Security Token, FCCS is able to provide account holders with an extra level of security when using their online service. This allows you to bank with confidence from anywhere, accessing your accounts and conducting transactions. The service has also been expanded onto an app, making it possible for you to do your banking from your mobile phone device.

To access the internet banking service you will need to apply online. Once your application is accepted you will be issued an access code that will allow you to register and begin taking advantage of the many features offered.

Notable features include:

  • View and print you current account balances and transaction history
  • Transfer money between your accounts
  • Pay your bills using BPAY
  • Make payments to individuals or businesses
  • View your interest earned on savings accounts
  • View interest charged on loan products
  • Change your passwords

What about the mobile app?

Image Source: App Store
Login pagePaymentsTransfer funds
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What transaction accounts are offered by FCCS?

  • Total Access Account. With an available overdraft facility and convenient 24 hour access, you are able to make all of your transactions securely. This account includes a full range of payment options including BPAY and cheque book.
  • Redi-Access Account. Arrange for direct credit of your salary and you will be able to easily access your money using a linked RediCARD at ATMs, EFTPOS and Bank@Post. Internet banking is also available, allowing you to use the BPAY facility to pay your bills.
  • At Call Passbook Account. For those who prefer branch banking this account provides you with a record of all of your deposit and withdrawal transactions. You are still able to take advantage of internet banking features such as BPAY by registering for the service.

What high interest savings accounts are offered by FCCS?

  • Online Saver Account. A competitive interest rate is earned on every dollar in your account yet your money is always available to you when you need through internet and phone banking.
  • iSaver Account. An online savings account that pays you bonus interest on top of the base rate when you meet a monthly deposit requirement. Your funds are always available to you through internet and phone banking by making transfers to an elected account.
  • Seniors Savers Account. FCCS members over the age of 55, senior card holders or pensioners can all benefit from this interest earning account that allows you to access your money through a number of facilities including internet banking and Bank@Post.
  • Young Achiever Account. Designed for younger Australians, this savings account provides rewards and bonus interest rates for meeting certain goals. Kids pay no fees for banking which can be done at your local branch, online or over the phone.
  • Access Savers Account. With this account you are paid a competitive rate of interest on your funds, which can then be accessed by giving a 24 hour notice. Your money is then transferred to your RediCARD At Call Transaction Account through online or phone banking.
  • Achieve Super Account. The award winning saving account that makes it easy to meet a short term goal by limiting your withdrawal access and paying bonus interest for making monthly deposits.
  • Superfund Maximiser Account. This is a specially designed savings account meant for DIY and self-managed super funds. You are guaranteed a return on your investment, yet are still able to move your money around at will using phone and internet banking.
  • Early Bird Christmas Club Account. Get a head start on your holiday spending with a savings account that limits your access from January up until November. Interest is earned on the daily balance and will be paid into the account at the end of the term.

What term deposits are offered by FCCS?

  • Regular Income Investment Accounts. Set up at fixed term for a fixed rate of interest, you can opt to have interest paid to a separate account each month. The minimum deposit is $5,000 and terms range from three months to one year.
  • Term Deposits. With an investment of $5,000 locked in at a fixed term, you will earn a higher fixed rate of interest. Terms are between three months and one year, and the interest will be paid to you when the account reaches maturity.
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What are the pros and cons of banking with FCCS?


  • Accessibility. FCCS offers account holders multiple access methods to suit your preference.
  • Term deposit. The low minimum balance requirement makes it easier for anyone to take advantage of the higher interest rate.
  • Security. With advanced security features a part of the internet banking system you don’t need to worry about your accounts being compromised.
  • Variety. FCCS has a number of different account types to meet varying needs.


  • Membership. FCCS is a member owned bank, making it necessary to apply for membership first before accessing any of their accounts.
  • Fees. You will be charged fees for access of certain accounts and features.

How do I apply for a FCCS account?

You have the option of downloading an application and mailing it into a branch, or filling out the application online. Membership is an eligibility requirement, as is being a resident of Australia with a residential address, and in some cases you will also need to meet an age requirement. Have with you identifying information found on your passport or driver’s licence. If you do not wish to have withholding tax deducted from interest earnings, you should also have your tax file number (TFN) or exemption code as well. Once your application has been submitted you will be given a special reference code, and FCCS will make every effort to let you know the status of your application within 48 hours.

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