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Savings Accounts

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We'll help you reach your goals.

Whether you are looking for a special purpose savings account or an online savings account, ADCU has the right account for you.

ADCU Savings

Star Saver Direct (S20)

An online savings account available exclusively via online banking or phone banking. The Star Saver Direct account is particularly suited for saving for something special. Funds can be transferred to your Access Account for easy access at ATMs and via EFTPOS.

  • No minimum balance
  • Savings available on call
  • 24 hour access via Phone or Online Banking
  • Interest calculated daily and paid monthly

Up to 4.25%pa
interest rate

Apply Online

  Additional Information
Star Saver Direct (S20)
Purpose Online Savings
Online Banking Yes
Phone Banking Yes
ATM No
EFTPOS No
Direct Debit No
Direct Credit Yes
Bank @ Post No
Cheque No
Branch No
Interest Calculated Daily
Interest Paid Monthly
Conditions Max balance $500,000. Max transfer is $10,000.

Christmas Club (S8)

By saving regularly you can be well prepared for Christmas. To help you save, withdrawals are only available between 1 November and 31 January each year.

  • Attractive interest rate
  • Restricted withdrawals to help you save
  • Direct Credit available
  • No minimum balance

Up to 2.50%pa
interest rate

Apply Online

  Additional Information
Christmas Club (S8)
Purpose Christmas savings
Online Banking Yes
Phone Banking Yes
ATM No
EFTPOS No
Direct Debit No
Direct Credit Yes
Bank @ Post No
Cheque No
Branch Yes
Interest Calculated Minimum monthly balance
Interest Paid Annually 31 Oct
Conditions Withdrawals available 1 Nov to 31 Jan each year.

Cash Management (S9)

This account provides market linked rates of interest for balances of $5,000 and over, whilst still being available at call.

  • Funds available at call
  • Competitive interest rate paid on a tiered basis
  • Minimum balance $5,000
  • Interest calculated on daily balances and paid quarterly

Up to 2.90%pa
interest rate

Apply Online

  Additional Information
Cash Management Account (S9)
Purpose At-call-savings
Online Banking Yes
Phone Banking Yes
ATM No
EFTPOS No
Direct Debit No
Direct Credit Yes
Bank @ Post No
Cheque No
Branch Yes
Interest Calculated Daily
Interest Paid Quarterly
Conditions Minimum deposit $500. Minimum withdrawal $1,000. At call after 7 days.

Junior Saver Account (S3)

ADCU is one of the few banking institutions which offers special savings programs for kids.

We take a fun approach to saving. We help kids develop regular savings habits which will stay with them for life and give them a good financial head start.

There are two clubs for different age groups, super savers for kids under 12 and teen plus for kids aged 12-17. Each of these clubs is linked to our Junior Saver Account.

  • Interest which increases as savings grow
  • 6 free rediATM and 6 free EFTPOS transactions per month
  • Free Redicard (available to kids 12 years and over)

Apply Online

  Additional Information
Junior Saver Account (S3)
Purpose Kids savings
Online Banking Yes
Phone Banking Yes
ATM Yes
EFTPOS Yes
Direct Debit Yes
Direct Credit Yes
Bank @ Post Yes
Cheque No
Branch Yes
Interest Calculated Daily
Interest Paid Quarterly
Conditions Must be aged 17 or younger

100% Mortgage Offset Account (S12/S17)

A special savings account where 100% of the balance is offset against a linked home loan account. So you pay less interest on your loan, paying it off faster.

  • Funds available at call
  • Home loan balance is calculated after deducting the offset account balance
  • Interest calculated on daily balances and offset against the linked home loan account

Apply Online

  Additional Information
100% Mortgage Offset Account (S12/S17)
Purpose At-call-savings
Online Banking Yes
Phone Banking Yes
ATM Yes
EFTPOS Yes
Direct Debit Yes
Direct Credit Yes
Bank @ Post No
Cheque Yes
Branch Yes
  Useful Links

Questions?

If you have any questions, please contact us


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