Access Savings Accounts (S1 and S6)

Balance	Interest Rate
Whole of balance	0.10% pa

_{Interest is calculated on the minimum monthly balance and credited to members' accounts on the 31st May each year.}

Deeming Access Account (S4)

Balance	Interest Rate
Tier 1 - $0 up to $44,600	3.00% pa
Tier 2 - $44,601 or more	4.50% pa

_{Interest is calculated daily and paid monthly to members' accounts.}

Junior Saver Account (S3)

Balance	Interest Rate
$0 - $499	0.50% pa
$500 - $999	1.00% pa
$1000 or more	1.50% pa

_{Interest is calculated daily and credited to members' accounts quarterly.}

Christmas Club (S8)

Balance	Interest Rate
Whole of balance	2.50% pa

_{Interest is calculated on the minimum monthly balance and credited to members' accounts on the 31st October each year.}

Star Saver Direct (S20)

Balance	Interest Rate
Below $2,000	0.10% pa
$2,000 or more	4.25% pa

_{Interest is calculated daily and credited to members' accounts monthly. For balances of $2,000 or more the higher interest rate applies to the whole of the account balance (i.e. including the first $2,000).}

Cash Management (S9)

Balance	Interest Rate
Below $5,000	0.00% pa
$5,000 - $24,999	0.40% pa
$25,000 - $99,999	1.90% pa
$100,000 or more	2.90% pa

_{Interest is calculated daily and credited to members' accounts quarterly}

DIY Super Saver Account (S15)

Balance	Interest Rate
Whole of balance	4.75% pa

_{Interest is calculated daily and paid monthly to members' accounts.}

Investment Plus

	Term	$1,000 to $49,999	$50,000 and above
I3	3 to 5 Months	5.40% pa	5.50% pa
I6	6 to 8 Months	5.30% pa	5.40% pa
I9	9 to 11 Months	5.20% pa	5.30% pa
I12	12 Months	5.15% pa	5.25% pa
I15	13 to 15 Months	5.15% pa	5.25% pa
I18	16 to 18 Months	5.15% pa	5.25% pa
I24	19 to 24 Months	5.30% pa	5.40% pa

_{Interest is paid on maturity and a minimum deposit size of $1,000 applies.}

Income Plus

	Term	$1,000 to $49,999	$50,000 and above
I31	3 to 5 Months	5.25% pa	5.35% pa
I32	6 to 11 Months	5.05% pa	5.15% pa
I33	12 Months	5.00% pa	5.10% pa

_{Interest is paid monthly and a minimum deposit size of $1,000 applies.}

Teen Plus

Investment Plus interest rates apply.

Interest is paid on maturity and a minimum deposit size of $500 applies.

Large Deposits

For fixed term deposit rates for deposits of more than $250,000 please contact us.

_{Rates are subject to change without notice. Fees and charges apply and are available here.}

Additional Information

Questions?

If you have any questions, please contact us

<< February 2012 >>
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ADCU Comparison rate	13.40% pa 13.55% pa
NAB Comparison rate	14.99% pa 15.85% pa
CBA Comparison rate	14.90% pa 18.01% pa

_{* Based on a Variable Rate Personal Loan. Information was sourced from each financial institutions website on 17 February 2012 and is subject to change.}

Australian Defence Credit Union Limited ABN 48 087 649 741 AFSL No. 237 988. Australian credit licence number 237 988.
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