Compare Illawarra Credit Union savings accounts

Illawarra Credit Union has been growing since 1972, and is now a division of Community Alliance Credit Union Limited, which allows for a larger selection of services and products that are comparable to big banks. Local branches can be found throughout Illawarra, but all Australians can bank with the credit union with the use of online and mobile services and ATM access provided by one of the nation’s largest networks.

• Savings Accounts
• Transaction Accounts
• Term Deposits
• How do Illawarra Credit Union savings accounts compare?

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Name	Maximum Variable Rate p.a.	Base interest rate	Intro/Ongoing	Government Guarantee	Monthly Max Rate Conditions
Illawarra Credit Union Wildlife Saver	Maximum Variable Rate p.a. 2.25%	Standard Variable Rate p.a. 0.00%	Intro/Ongoing Ongoing	Government Guarantee	Deposit $10 No withdrawals Balances up to $25,000	ContinueView details Compare	loading Fetching your data...
Illawarra Credit Union Saver	Maximum Variable Rate p.a. 2.25%	Standard Variable Rate p.a. 2.25%	Intro/Ongoing Ongoing	Government Guarantee		ContinueView details Compare	loading Fetching your data...
Illawarra Credit Union Bonus Saver	Maximum Variable Rate p.a. 4.00%	Standard Variable Rate p.a. 0.00%	Intro/Ongoing Ongoing	Government Guarantee	Deposit $100 No withdrawals Balance up to $1,999,999	ContinueView details Compare	loading Fetching your data...
Illawarra Credit Union Cash Management	Maximum Variable Rate p.a. 0.25%	Standard Variable Rate p.a. 0.25%	Intro/Ongoing Ongoing	Government Guarantee		ContinueView details Compare	loading Fetching your data...
Illawarra Credit Union Christmas Account	Maximum Variable Rate p.a. 0.40%	Standard Variable Rate p.a. 0.40%	Intro/Ongoing Ongoing	Government Guarantee		ContinueView details Compare	loading Fetching your data...

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Name	Monthly fee	Govt. Guarantee	Own network ATM fee	Card type
Illawarra Credit Union Everyday Account Apple Pay Google Pay Samsung Pay Garmin Pay	Monthly fee $6	Government Guarantee	Own network ATM fee $0	Card type Visa	ContinueMore Info Compare
Illawarra Credit Union Everyday Plus Apple Pay Google Pay Samsung Pay Garmin Pay	Monthly fee $6	Government Guarantee	Own network ATM fee $0	Card type Visa	Continue Compare
Illawarra Credit Union Bucket Account	Monthly fee $0	Government Guarantee	Own network ATM fee	Card type No Debit card	Continue Compare
Illawarra Credit Union Everyday Student Apple Pay Google Pay Samsung Pay Garmin Pay	Monthly fee $0	Government Guarantee	Own network ATM fee $0	Card type Visa	ContinueMore Info Compare

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Name	3 Mths p.a.	4 Mths p.a.	5 Mths p.a.	6 Mths p.a.	7 Mths p.a.	11 Mths p.a.	12 Mths p.a.	24 Mths p.a.
Illawarra Credit Union Term Deposit $1,000 min. deposit	3 Mths p.a. 4.25%	4 Mths p.a. 4.25%	5 Mths p.a. 4.25%	6 Mths p.a. 4.40%	7 Mths p.a. 4.40%	11 Mths p.a. 4.40%	12 Mths p.a. 4.40%	24 Mths p.a. -	ContinueMore Info Compare
Illawarra Credit Union Business Term Deposit $1,000 min. deposit	3 Mths p.a. 4.25%	4 Mths p.a. 4.25%	5 Mths p.a. 4.25%	6 Mths p.a. 4.40%	7 Mths p.a. 4.40%	11 Mths p.a. 4.40%	12 Mths p.a. 4.40%	24 Mths p.a. -	Continue Compare

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Name	Maximum Variable Rate p.a.	Base interest rate	Intro/Ongoing	Government Guarantee	Monthly Max Rate Conditions
Suncorp Bank Growth Saver Account	Maximum Variable Rate p.a. 4.80%	Standard Variable Rate p.a. 0.35%	Intro/Ongoing Ongoing	Government Guarantee	Grow balance by $200 each month (excl. interest) Only 1 withdrawal No balance limit on earning interest	Go to siteView details Compare	Get a solid interest rate on your entire balance, with minimal conditions in order to get the max rate. This account doesn’t offer card access but you can make 1 withdrawal per month & grow your net balance by $200 (excl. interest) to earn the max rate.	loading Fetching your data...
Ubank Save Account	Maximum Variable Rate p.a. 5.25%	Standard Variable Rate p.a. 0.00%	Intro/Ongoing Ongoing	Government Guarantee	Deposit $500 Savings up to $100,000	Go to siteView details Compare	Use code EASY30 to score $30 after 5 card purchases in your first 30 days. See terms link on the app store.	loading Fetching your data...
P&N Bank Savvy Saver	Maximum Variable Rate p.a. 5.10%	Standard Variable Rate p.a. 0.55%	Intro/Ongoing Ongoing	Government Guarantee	Deposit $500 5 Access Account debit card purchases Balance under $100,000	Go to siteView details Compare	Get 5.1% p.a. ongoing when you deposit $500 and make 5 debit card purchases per month. Make withdrawals and still earn bonus interest.	loading Fetching your data...
Bank of Queensland Smart Saver Account - 36+ years	Maximum Variable Rate p.a. 4.90%	Standard Variable Rate p.a. 0.05%	Intro/Ongoing Ongoing	Government Guarantee	Deposit $1,000 5 eligible purchases Balances up to $250,000	Go to siteView details Compare	Aged 36+? You can earn 4.9% p.a. on balances up to $250,000 when you meet the account conditions each month.	loading Fetching your data...
BCU Boss Saver	Maximum Variable Rate p.a. 5.10%	Standard Variable Rate p.a. 0.55%	Intro/Ongoing Ongoing	Government Guarantee	Deposit $500 5 Access Account debit card purchases Balance under $100,000	Go to siteView details Compare	Earn an ongoing 5.1% p.a. when you deposit $500 per month and make 5+ card payments from your BCU Access Account each month. You can make withdrawals and still earn bonus interest.	loading Fetching your data...
Rabobank High Interest Savings Account	Maximum Variable Rate p.a. 5.45%	Standard Variable Rate p.a. 4.10%	Intro/Ongoing 4 months	Government Guarantee	Balances up to $250,000	Go to siteView details Compare	Earn a high interest rate of 5.45% for the first 4 months and then 4.1% thereafter, with $0 account keeping fees and no monthly balance requirements.	loading Fetching your data...
ING Savings Accelerator ($150,000 - $500,000)	Maximum Variable Rate p.a. 5.15%	Standard Variable Rate p.a. 4.45%	Intro/Ongoing 4 months	Government Guarantee	Welcome rate applies up to $500K	Go to siteView details Compare	Ideal for higher balances, savers can earn up to 5.15% for the first 4 months and up to 4.45% thereafter. There are no conditions and $0 account-keeping fees.	loading Fetching your data...
Westpac Life	Maximum Variable Rate p.a. 4.75%	Standard Variable Rate p.a. 1.60%	Intro/Ongoing Ongoing	Government Guarantee	Make a deposit Grow your balance Keep the balance above $0 at all times	Go to siteView details Compare	loading Fetching your data...
Macquarie Savings Account	Maximum Variable Rate p.a. 5.10%	Standard Variable Rate p.a. 4.75%	Intro/Ongoing 4 months	Government Guarantee	Balances up to $250,000	Go to siteView details Compare	loading Fetching your data...
Bank of Queensland Simple Saver Account	Maximum Variable Rate p.a. 4.55%	Standard Variable Rate p.a. 4.55%	Intro/Ongoing Ongoing	Government Guarantee	Balances up to $5,000,000	Go to siteView details Compare	Open up to 9 accounts to take control of your savings and don't worry about meeting fiddly conditions or paying frustrating fees.	loading Fetching your data...
Westpac Bump Savings Account	Maximum Variable Rate p.a. 4.75%	Standard Variable Rate p.a. 1.75%	Intro/Ongoing Ongoing	Government Guarantee	Make a deposit Grow balance Keep balance above $0	Go to siteView details Compare	loading Fetching your data...
Newcastle Permanent Smart Saver Account	Maximum Variable Rate p.a. 4.25%	Standard Variable Rate p.a. 0.05%	Intro/Ongoing Ongoing	Government Guarantee	Grow balance No more than 2 withdrawals	Go to siteView details Compare	loading Fetching your data...

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Who is Illawarra Credit Union?

Illawarra Credit Union offers banking products to their members that meet the needs at every stage of life. From transaction accounts that pay interest to savings accounts that are geared to meet a specific need, each product is comparable to what you find with larger financial institutions. Banking is made easy if you are outside of the Illawarra region with access to your money through the rediATM network and to your accounts online, from your mobile device, or over the phone.

What about the mobile app?

Login	Menu	Accounts

What transaction accounts are offered by Illawarra Credit Union?

• Everyday Student. A transaction account for students with no monthly account keeping fees.
• Everyday. A day to day banking account that can meet all of your financial needs. You can choose between a rediCARD or Visa debit card to make purchases or get cash when you need it, while maintaining control over your transaction fees.
• Everyday Plus. Designed exclusively for Australians receiving a pension, this account provides you with the same access as the standard Everyday Account, except you earn a competitive interest rate on your balance which is paid into your account once a quarter.

What high interest savings accounts are offered by Illawarra Credit Union?

• Wildlife Saver. Not only do children under the age of 18 earn bonus interest on their savings when monthly conditions are met, they get free entry into the Symbio Wildlife Park along with other freebies once inside.
• Saver. With access limited to online and phone transfers, you are rewarded with a competitive rate of interest on your balance, with payments made into the account monthly. There are no deposit requirements to meet and you will not be charged any fees.
• Bonus Saver. You are given all of the benefits that the Saver Account provides, only with a higher interest rate for meeting the monthly deposit requirements. This account provides a way to meet a goal without giving up access to your money.

What term deposits are offered by Illawarra Credit Union?

By restricting access to your money for a set period of time, you can earn a fixed interest rate on your deposits starting at $1,000. Choose between terms that range from one month to three years and how often your interest earnings are paid into a nominated account.

What are the pros and cons of banking with Illawarra Credit Union?

How do I apply for an Illawarra Credit Union account?

So long as you have already been approved for membership, you are able to apply for any account online. The age requirement and how much money you need as an initial deposit will depend on the account you are interested in, but all applicants must be permanent residents or Australian citizens. Have your photo identification ready and your tax file number (TFN) to avoid deductions on your interest earnings. After submitting your request for an account, you will hear back from the credit union with the details of your new account.

Compare other products from Illawara Credit Union

• Illawara Credit Union home loans
• Illawara Credit Union term deposits
• Illawara Credit Union personal loans

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Shirley Liu

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Shirley Liu is Finder's global program manager. She was previously the publisher for banking and investments and has also written comparisons for energy, money transfers, Uber Eats and many other topics. Shirley has a Master of Commerce and a Bachelor of Media, Journalism and Communications from the University of New South Wales. She is passionate about helping people find the best deal for their needs. See full bio