In this guide

  • Review
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • Your reviews
  • Ask a question
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People’s Choice Credit Union Offset Account

People's Choice Credit Union Offset Account
Account keeping fee
ATM withdrawal fee
Overseas ATM withdrawal fee
Overseas transaction fee of transaction value


Get all the benefits of a flexible everyday account with the added bonus of interest saved on your home loan with People’s Choice.

The Offset Account provides a solution to your daily banking needs, while working down the amount of interest paid on your home loan each month. This is a 100% offset, where every dollar in your account is counted towards the balance of your home loan before interest is applied. By reducing the amount of interest owed each month, more money goes towards the principal, allowing you to pay off the loan faster than you had hoped for.


  • Save on interest payments on your home loan
  • Linked Visa debit card
  • Phone, online and mobile banking


  • Need an eligible home loan

In this guide

  • Review
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • Your reviews
  • Ask a question


Key details

Product Name People's Choice Credit Union Offset Account
Monthly account fee $8
Card access Visa
Own network ATM fee $0
International ATM Fee $5 + 3%
International transaction fee 3%
Monthly deposit required to waive account fee N/A
Contactless Payments Apple Pay, Google Pay, Samsung Pay


Minimum Age 18
Joint account availability No
Minimum opening deposit N/A

Key features

Picture not described

Offset amount

This is a 100% offset account, meaning that the entire balance in the account is offset against what you currently owe on your home loan.


You must be a member of People's Choice Credit Union and have either a Standard Variable Rate Home Loan or Variable Rate Home Loan Package with them in order for this product to be available to you.

How to apply


You must first apply for membership into the credit union by visiting a branch and paying a refundable $2 fee for your membership share. You must also have a qualifying home loan with the credit union for which to link the account to. Other eligibility requirements follow, which you should read through first before you apply:

  • Minimum age. No age requirement is stipulated for the Offset Account.
  • Residency requirements. Australian temporary and permanent residents may apply for this account.

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