Compare People’s Choice Credit Union savings accounts

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Almost 350,000 people across all of Australia have chosen to bank with the People’s Choice Credit Union. With a history that dates back to 1976, the credit union came into its own in 2009 with the merger of Australian Central and Savings & Loans. Since that time it has been building an impressive list of products to fulfil the banking needs of all Australians.

People's Choice Credit Union savings accounts, bank accounts and term deposits

People's Choice Credit Union savings accounts

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Finder Score	Maximum interest rate	Base interest rate	Max rate type & duration	Monthly max rate conditions
Finder score 8.9 Great People's Choice Dream Fund	Finder score 8.9 Great	Maximum Variable Rate p.a. 4.25%	Standard Variable Rate p.a. 0.01%	Intro/Ongoing Ongoing rate (conditions apply)	Grow balance each month	More info Compare product selectionCompare	loading
Finder score 7.2 Great People's Choice Community and Business Saver	Finder score 7.2 Great	Maximum Variable Rate p.a. 0.65%	Standard Variable Rate p.a. 0.65%	Intro/Ongoing Ongoing rate (conditions apply)		More info Compare product selectionCompare	loading

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How the Finder Score helps you find a better savings account

The Finder Score is a simple score out of 10. The higher a savings account's score, the better we think it is for the average customer.

We score each savings account in our database of hundreds based on a data-driven methodology with 2 main criteria: Does the account offer a high interest rate? And is it easy for savers to actually earn that rate?

Read the full breakdown

Want more interest on your savings?

Compare now and find a better rate.

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People's Choice Credit Union bank accounts

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Finder Score	Monthly fee	Govt. Guarantee	Own network ATM fee	Card type
Finder score 8.3Great People's Choice Everyday Account Apple Pay Google Pay Samsung Pay	Finder score 8.3Great	Monthly fee $0	Government Guarantee	Own network ATM fee $0	Card type Visa	More info Compare product selectionCompare	loading
Finder score 8.2Great People's Choice Credit Union Offset Account Apple Pay Google Pay Samsung Pay	Finder score 8.2Great	Monthly fee $8	Government Guarantee	Own network ATM fee $0	Card type Visa	More info Compare product selectionCompare	loading

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Finder Score for bank accounts

We assess multiple product features for transaction accounts from over 100 providers and assign each product a score out of 10.

Read the full methodology

Looking for a better bank account?

Compare everyday accounts and find one that works harder for you.

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People's Choice Credit Union term deposits

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Finder Score	3 Mths p.a.	6 Mths p.a.	10 Mths p.a.	12 Mths p.a.	24 Mths p.a.
Finder Score 8.4 Great People's Choice Term Deposit $5,000 min. deposit $999,999 max. deposit	Finder Score 8.4 Great	3 Mths p.a. 3.65%	6 Mths p.a. 3.95%	10 Mths p.a. 3.55%	12 Mths p.a. 3.55%	24 Mths p.a. 3.40%	More info Compare product selectionCompare	loading
Finder Score 8 Great People's Choice Business Term Deposit $5,000 min. deposit	Finder Score 8 Great	3 Mths p.a. 3.65%	6 Mths p.a. 3.95%	10 Mths p.a. 3.55%	12 Mths p.a. 3.55%	24 Mths p.a. 3.40%	More info Compare product selectionCompare	loading

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Finder Score for term deposits

Finder Score assigns Term Deposit products a score out of 10, comparing interest rates and features, to make comparison easier. We assess over 150 products from more than 90 providers, assessing products across different terms to determine an average score per product.

Read the full methodology

Lock in a great rate

Compare term deposits to grow your savings with confidence.

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What are the pros and cons to banking with People’s Choice Credit Union?

Pros

Flexible savings options for a wide range of customers
Opportunity to earn bonus interest for meeting account conditions
Potential fee waivers when conditions are met
Easy access via online banking and mobile app

Cons

Some accounts require meeting specific criteria to earn bonus interest
Membership is required to access any products

How to apply for a People's Choice Credit Union savings account

Applying online for a new bank account is fast and easy. You'll need identity documents such as your driving licence or passport. For more about the process, check out our full guide to opening an account online.

Sources

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Written by

Shirley Liu

Publisher

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

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8 Responses

tonySeptember 16, 2022

I am unable to find out the history of interest rate changes ( dates and what the actual interest rates were ) on the Peoples Choice site… can you help me with this information

Finder

AlisonSeptember 25, 2022Finder

Hi Tony,

Unfortunately, we don’t have that data you will need to ask People’s Choice directly.

Thanks,
Alison

JudeMarch 4, 2019

Hi,

I have $300,000 to invest in a term deposit for 6 months. Where would I get the best rates?

Finder

JeniMarch 5, 2019Finder

Hi Jude,

Thank you for getting in touch with Finder.

You may compare 6-month term deposit accounts using our comparison table. You may compare banks by looking at their p.a. rate and interest earned.

Once you’ve chosen a provider, you may click on the “Go to site” to be redirected to their official page where you can check more details or even start your application. Please make sure though to read the eligibility criteria, features, and details of the term deposit account, as well as the relevant PDS/ T&Cs of the account before making a decision and consider whether the product is right for you.

I hope this helps.

Thank you and have a wonderful day!

Cheers,
Jeni

AlecAugust 29, 2016

What bank ATM in NZ can I use with the lowest or no withdrawal fees using a credit or debit Visa card.

Finder

ShirleySeptember 6, 2016Finder

Hi Alec,

Thanks for your question.

Unfortunately, People’s Choice doesn’t have a global ATM alliance. It’s likely that all ATM withdrawals will incur a fee that is charged up to the discretion of the ATM owner.

If you would like to compare alternatives, check out these debit cards for overseas use

malcolmSeptember 14, 2015

I WANT TO CHANGE A TERM DEPOSIT TO AN AT CALL ACCOUNT

Finder

ShirleySeptember 14, 2015Finder

Hi Malcolm,

Thanks for your question.

Please get in touch with People’s Choice Credit Union directly to change your term deposit. Please be mindful that cancellation fees will apply.

Cheers,
Shirley

Compare People’s Choice Credit Union savings accounts

Saving your dollars for a rainy day can be made easy when you make People’s Choice Credit Union your choice for banking.

People's Choice Credit Union savings accounts, bank accounts and term deposits

People's Choice Credit Union savings accounts