BCU Advantage Saver

Australian seniors can take full advantage of an everyday account that provides multiple methods of access while paying you interest on the balance.

The BCU Advantage Saver is a combined access and savings account for aimed at Australians who are receiving a pension or are self-funded retirees. It can be used to fulfil all of your banking needs, earning interest on your savings while allowing you to access your money whenever needed. An accredited Australian credit union, BCU is able to guarantee deposits of up to $250,000 through the Government Financial Scheme.

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0.4% p.a.

Maximum variable rate


Base interest rate

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Product NameBCU Advantage Saver
Maximum Variable Rate0.4% p.a.
Standard Variable Rate0.10%
Monthly Account Fee$0
Minimum Opening Deposit$0
Minimum Age18

Key features

$0 Monthly account keeping fee

There is a monthly account keeping fee of $0 which will be waived if the available balance is $500 or more. You are permitted a certain number of transactions each month for free including those that are done within a branch, EFTPOS transactions and ATM withdrawals. The number of free transactions and amount charged to the account once the limit has been reached will depend on the type of membership you have with BCU.

One off membership fee of $10

All Australians are welcome to join the credit union but adults will be expected to pay for one share at a cost of $10.

How to apply

You can stop by your local BCU branch to complete an application for the Advantage Saver, or visit their website and complete an online enquiry form.


  • Minimum age. This account is only suitable for Australians aged 18 or older who are receiving certain government or personal pensions.
  • Residency requirements. Only residents or citizens of Australia are eligible for the Advantage Saver account.

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    Default Gravatar
    July 8, 2016

    Is it possible to open an advantage saver account on line, or must I visit a branch?

      Avatarfinder Customer Care
      July 8, 2016

      Hi Meryl,

      Thanks for your question.

      Yes, you can apply to open the BCU Advantage Saver account on the BCU website.

      Hope this helps.


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