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Compare The Shire …Local Banking Savings Accounts

Make your money work harder for you with a savings account from The Shire ...Local Banking.


The Shire Credit Union

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The Shire ...Local Banking traces its roots back to 1970 and the establishment of a credit union for the employees of the Lucas Heights Research Laboratories. The credit union became The Shire ...Local Banking in 2013 and a division of IMB Ltd in 2016. Based in the Sutherland Shire, its mission is to provide a real alternative to the major banks.


On 1 July 2016 The Shire... Local Banking merged with IMB Bank. You can find IMB Bank's products here.

About the Shire ...Local Banking

Owned and controlled by its members, The Shire ...Local Banking aims to provide a unique range of benefits and banking products and services to its members. In addition to home loans, car loans and personal loans, it offers a suite of savings and transaction accounts.

These accounts can be easily managed via Internet, phone and branch banking, while other features such as optional cheque books are also available. The Shire ...Local Banking provides accounts to suit the needs of a variety of members, from people trying to save a little extra cash for Christmas to retirees looking for an easy and affordable way to manage their retirement savings.

All accounts at The Shire ...Local Banking can be managed through the mutual’s Internet banking service. This Internet banking portal provides all the tools you need to organise your finances on an everyday basis, and offers efficient and secure banking at all times.

Notable features include:

  • View your transactions and account history
  • Pay bills and transfer funds
  • Check account balances
  • Request savings account statements

What transaction accounts are offered?

Access Account

This everyday at-call transaction account offers easy access to your money via ATM, EFTPOS, phone and Internet banking, and a cheque book. There are no account-keeping fees when your balance is maintained at more than $1,000, and an overdraft facility is available to approved applicants.

Retirees Plus Account

Available to customers who receive an aged or veteran’s pension, the Retirees Plus Account provides easy access via ATM, EFTPOS, phone and Internet banking, and a cheque book. There are no account-keeping fees and you can also benefit from special interest rates to help you get more out of your retirement savings.

Super Fund Access Account

Designed for the trustees of self-managed super funds (SMSFs), this account makes it easy to access the portion of your super available for everyday spending relating to your SMSF. It provides free phone and Internet banking, no account-keeping fee on balances over $1,000, and the ability to earn competitive interest on your account balance.

The Shire ...Local Banking high-interest savings accounts

eSaver Account

This online savings account pays a competitive rate of interest on your savings balance while at the same time giving you fast access to your funds whenever you want via Internet and phone banking. There is no minimum balance requirement and no account-keeping fee applies if your balance remains above $1,000.

Cash Management Account

The Cash Management Account from The Shire ...Local Banking allows you to invest your money without locking it away for a fixed period. It combines competitive interest with at-call access to your funds via branch, phone and Internet banking, while there’s no account-keeping fee as long as your balance stays above $1,000.

Christmas Saver Account

This account is designed to help you put money aside to save for the festive season. You can set up regular automatic deposits into your account, but you can only withdraw your savings during November, December and January. There is no account-keeping fee attached to this account.

Term deposits

If you’d like the consistent and reliable returns of a term deposit, The Shire ...Local Banking offers terms ranging from 3 to 24 months. Deposits start from $5,000, you can choose from a range of interest options, and there are no monthly account-keeping fees to worry about.

What are the pros and cons of banking with The Shire ...Local Banking?


  • Choice of accounts. The Shire ...Local Banking offers savings, transaction and investment accounts to suit a wide range of needs.
  • Deposits guaranteed. Deposits of up to $250,000 are covered by the Australian Government Guarantee.
  • Owned by members. As The Shire ...Local Banking is owned and operated by its members, profits are put back into developing better products and services.


  • No mobile app. The Shire ... Local Banking does not offer a dedicated mobile banking app.

How do I apply for a The Shire ...Local Banking account?

If you’d like to apply for an account with The Shire ... Local Banking, you can do so by phoning the mutual’s customer service line. Alternatively, you can visit one of its branches in Cronulla, Engadine, Miranda or Sutherland.

However, before you apply for an account with The Shire ... Local Banking or any other financial institution, make sure you thoroughly compare your options to find the right account for your needs.

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