Deposit Interest Rates

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Savings Accounts:


 


Important Information

Please review our Product Disclosure statements (PDS) and Financial Services Guide for Conditions of Use in relation to all IMCU products and services. Interest rates are subject to change without notice.


Savings Accounts

(S1) Access Savings ^

All balances Nil
Funds on call.

(S2) Budget Savings ^
Up to $499.99 Nil
$500 + 0.10% p.a.
Funds on call. Interest calculated daily and paid March.

(S3) Insurance Savings ^
Up to $499.99 Nil
$500 + 0.10% p.a.
Funds on call. Interest calculated daily and paid March.

(S4) Visa Savings ^
All Balances 0.10% p.a.
Funds on call. Interest calculated daily and paid March.

(S5) Christmas Savings ^
$0 + 1.50% p.a.
Interest calculated on minimum monthly balance and paid monthly .

(S6) Investment Savings ^
Up to $4,999 0.10% p.a.
$5,000 - $29,999 1.00% p.a.
$30,000 + 1.75% p.a.
Funds on call after 7 days. Interest calculated daily and paid March and September.

(S7) Tax Account^
Up to $499.99 Nil
$500 + 0.10% p.a.
Interest calculated daily and paid March.

(S8) Super Savers ^
All Balances 0.10% p.a.
Funds on call. Interest calculated daily and paid March.

(S9) Holiday ^
Up to $499.99 Nil
$500 + 0.10% p.a.
Funds on call. Interest calculated daily and paid March.

(S12) Deeming ^
Up to $39,399.99 2.50% p.a.
$39,400 + 3.00% p.a.
Funds on call. Interest calculated daily and paid March.

(S20) E-savings ^
From $1 to $9,999 1.00% p.a.

From $10,000 to $24,999

From $25,000 to $99,999

4.00% p.a.

4.00% p.a.

From $100,000 to $299,999 4.00% p.a.
$300,000 +

5.00% p.a.

Funds on call. Interest calculated daily and paid monthly. Interest calculated on proportional balance.

Term Investment Rates


Term Savings Account ^

Term (months)

$1000 to $24,999

$25,000 to $99,999 $100,000 to $299,999 $300,000 plus
3 months

3.85% p.a.

3.85% p.a.

3.85% p.a.

3.85% p.a.

4 months

3.60% p.a.

3.60% p.a.

3.60% p.a.

3.60% p.a.

5 months

3.60% p.a.

3..60% p.a.

3.60% p.a.

3.60% p.a.

6 months

5.50% p.a.

5.50% p.a.

5.50% p.a.

5.50% p.a.

7-11 months

3.60% p.a.

3.60% p.a.

3.60% p.a.

3.60% p.a.

12 months

5.00% p.a.

5.00% p.a.

5.00% p.a.

5.00% p.a.

13 plus months 5.25% p.a. 5.25% p.a. 5.25% p.a. 5.25% p.a.

Interest paid annually / maturity.

Regular Interest Accounts ^

Term (months)

$1000 to $24,999

$25,000 to $99,999 $100,000 to $299,999 $300,000 plus
3 months

3.65% p.a.

3.65% p.a.

3.65% p.a.

3.65% p.a.

4 months

3.40% p.a.

3.40% p.a.

3.40% p.a.

3.40% p.a.

5 months

3.40% p.a.

3.40% p.a.

3.40% p.a.

3.40% p.a.

6 months

5.30% p.a.

5.30% p.a.

5.30% p.a.

5.30% p.a.

7-11 months

3.40% p.a.

3.40% p.a.

3.40% p.a.

3.40% p.a.

12 months

4.80% p.a.

4.80% p.a.

4.80% p.a.

4.80% p.a.

13 plus months 5.05% p.a. 5.05% p.a. 5.05% p.a. 5.05% p.a.

Interest paid monthly / quarterly.

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