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People’s Choice Credit Union Offset Account

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.

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Account keeping fee


ATM withdrawal fee


Overseas ATM withdrawal fee


Overseas transaction fee

of transaction value

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Product NamePeople's Choice Credit Union Offset Account
Monthly account fee$8
Card accessVisa
ATM Withdrawal Fee$0
International ATM Fee$5 + 3%
International transaction fee3%
Monthly deposit required to waive account feeN/A
Contactless PaymentsGoogle Pay, Apple Pay, Samsung Pay

Key features

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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