Hume Bank Savings and Bank Accounts

Hume Bank is a 100% customer-owned bank that has been part of the Albury-Wodonga region of New South Wales and Victoria for more than 60 years. With a focus on personal service and helping the communities it serves, Hume Bank offers a full range of banking products and services.

Who is Hume Bank?

Based in Albury-Wodonga on the New South Wales/Victoria border, Hume Bank started life as the Hume Co-operative Building & Investment Society Ltd in 1955. Sixty years later it has 19 branches throughout regional New South Wales and Victoria, as well as 47 ATMs and almost 60,000 customers.

As well as credit cards, home loans, personal loans and insurance, Hume Bank also offers an extensive range of savings and transaction accounts. These accounts combine easy access to your funds with a number of competitive features, with products available to suit everyone from young savers to retirees.

• Hume Bank's Swift Code: CUSCAU2S

• Savings Accounts Interest Rates
• Transaction Accounts
• Term Deposits Interest Rates
• How do Hume Bank savings accounts compare?

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Product	Finder Score	Maximum Variable Rate p.a.	Base interest rate	Intro/Ongoing	Government Guarantee	Monthly Max Rate Conditions
Hume Bank iSave	Finder score 5.8 Standard	Maximum Variable Rate p.a. 3.00%	Standard Variable Rate p.a. 3.00%	Intro/Ongoing Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	ContinueView details Compare	loading Fetching your data...
Hume Bank Reward Saver	Finder score 8.4 Great	Maximum Variable Rate p.a. 4.80%	Standard Variable Rate p.a. 0.01%	Intro/Ongoing Ongoing	Government Guarantee	Monthly Max Rate Conditions Deposit $10 each month No withdrawals	ContinueView details Compare	loading Fetching your data...
Hume Bank Professional Cash Management Account	Finder score 1 Basic	Maximum Variable Rate p.a. 0.01%	Standard Variable Rate p.a. 0.01%	Intro/Ongoing Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	ContinueView details Compare	loading Fetching your data...
Hume Bank Retirement Account	Finder score 5.1 Standard	Maximum Variable Rate p.a. 2.55%	Standard Variable Rate p.a. 2.55%	Intro/Ongoing Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	ContinueView details Compare	loading Fetching your data...
Hume Bank Clancy Koala Account	Finder score 8.7 Great	Maximum Variable Rate p.a. 4.80%	Standard Variable Rate p.a. 0.01%	Intro/Ongoing Ongoing	Government Guarantee	Monthly Max Rate Conditions Deposit $10 a month No withdrawal	ContinueView details Compare	loading Fetching your data...
Hume Bank Business Farm Management Deposit Account	Finder score 8.2 Great	Maximum Variable Rate p.a. 4.40%	Standard Variable Rate p.a. 4.40%	Intro/Ongoing Ongoing	Government Guarantee	Monthly Max Rate Conditions Balances $1,000 - $800,000.	ContinueView details Compare	loading Fetching your data...
Hume Bank Business iSave Account	Finder score 5 Standard	Maximum Variable Rate p.a. 2.50%	Standard Variable Rate p.a. 2.50%	Intro/Ongoing Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	ContinueView details Compare	loading Fetching your data...
Hume Bank Business Account Tax Manager	Finder score 1 Basic	Maximum Variable Rate p.a. 0.01%	Standard Variable Rate p.a. 0.01%	Intro/Ongoing Ongoing	Government Guarantee	Monthly Max Rate Conditions N/A	ContinueView details Compare	loading Fetching your data...

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How the Finder Score helps you find a better savings account

The Finder Score is a simple score out of 10. The higher a savings account's score, the better we think it is for the average customer.

We score each savings account in our database of hundreds based on a data-driven methodology with 2 main criteria: Does the account offer a high interest rate? And is it easy for savers to actually earn that rate?

Read the full Finder Score breakdown

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Name	Monthly fee	Govt. Guarantee	Own network ATM fee	Card type
Hume Bank All Purpose Account Apple Pay Google Pay Samsung Pay Garmin Pay	Monthly fee $0	Government Guarantee	Own network ATM fee $0	Card type Visa	ContinueMore Info Compare
Hume Bank Essential account Apple Pay Google Pay Samsung Pay Garmin Pay	Monthly fee $0	Government Guarantee	Own network ATM fee $0	Card type Visa	Continue Compare
Hume Bank Loan Offset Account Apple Pay Google Pay Samsung Pay Garmin Pay	Monthly fee $0	Government Guarantee	Own network ATM fee $0	Card type Visa	Continue Compare
Hume Bank Community Link Account Apple Pay Google Pay Samsung Pay Garmin Pay	Monthly fee $0	Government Guarantee	Own network ATM fee $0	Card type Visa	Continue Compare
Hume Bank Business Account Apple Pay Google Pay Samsung Pay Garmin Pay	Monthly fee $0	Government Guarantee	Own network ATM fee $0	Card type Visa	Continue Compare

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3 Mths p.a. (low-high)3 Mths p.a. (high-low)4 Mths p.a. (low-high)4 Mths p.a. (high-low)5 Mths p.a. (low-high)5 Mths p.a. (high-low)6 Mths p.a. (low-high)6 Mths p.a. (high-low)7 Mths p.a. (low-high)7 Mths p.a. (high-low)11 Mths p.a. (low-high)11 Mths p.a. (high-low)12 Mths p.a. (low-high)12 Mths p.a. (high-low)24 Mths p.a. (low-high)24 Mths p.a. (high-low)

Name	3 Mths p.a.	4 Mths p.a.	5 Mths p.a.	6 Mths p.a.	7 Mths p.a.	11 Mths p.a.	12 Mths p.a.	24 Mths p.a.
Hume Bank Term Deposit $1,000 min. deposit$4,999 max. deposit	3 Mths p.a. 3.60%	4 Mths p.a. -	5 Mths p.a. -	6 Mths p.a. 4.50%	7 Mths p.a. -	11 Mths p.a. -	12 Mths p.a. 4.40%	24 Mths p.a. 4.25%	Continue Compare
Hume Bank Business Term Deposit $1,000 min. deposit	3 Mths p.a. 3.60%	4 Mths p.a. -	5 Mths p.a. -	6 Mths p.a. 4.50%	7 Mths p.a. -	11 Mths p.a. -	12 Mths p.a. 4.40%	24 Mths p.a. 4.25%	Continue Compare
Hume Bank Regular Income Term Deposit $5,000 min. deposit	3 Mths p.a. -	4 Mths p.a. -	5 Mths p.a. -	6 Mths p.a. 4.40%	7 Mths p.a. -	11 Mths p.a. -	12 Mths p.a. 4.30%	24 Mths p.a. 4.15%	Continue Compare

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Product	Finder Score	Maximum Variable Rate p.a.	Base interest rate	Intro/Ongoing	Government Guarantee	Monthly Max Rate Conditions
Ubank Save Account Finder Award	Finder score 9.4 Excellent	Maximum Variable Rate p.a. 5.25%	Standard Variable Rate p.a. 0.00%	Intro/Ongoing Ongoing	Government Guarantee	Monthly Max Rate Conditions Deposit $500 Savings up to $100,000	Use code EASY30 to score $30 after 5 card purchases in your first 30 days. See terms link on the app store.	Go to siteView details Compare	loading Fetching your data...
ING Savings Maximiser	Finder score 9.7 Excellent	Maximum Variable Rate p.a. 5.40%	Standard Variable Rate p.a. 0.05%	Intro/Ongoing Ongoing	Government Guarantee	Monthly Max Rate Conditions Deposit $1,000 5 transactions Grow your balance Balances up to $100,000	Go to siteView details Compare	loading Fetching your data...
Suncorp Bank Growth Saver Account	Finder score 8.7 Great	Maximum Variable Rate p.a. 4.80%	Standard Variable Rate p.a. 0.35%	Intro/Ongoing Ongoing	Government Guarantee	Monthly Max Rate Conditions Grow balance by $200 each month (excl. interest) Only 1 withdrawal No balance limit on earning interest	Get a solid interest rate on your entire balance, with minimal conditions in order to get the max rate. This account doesn’t offer card access but you can make 1 withdrawal per month & grow your net balance by $200 (excl. interest) to earn the max rate.	Go to siteView details Compare	loading Fetching your data...
P&N Bank Savvy Saver	Finder score 9 Excellent	Maximum Variable Rate p.a. 5.10%	Standard Variable Rate p.a. 0.55%	Intro/Ongoing Ongoing	Government Guarantee	Monthly Max Rate Conditions Deposit $500 5 Access Account debit card purchases Balance under $100,000	Get 5.1% p.a. ongoing when you deposit $500 and make 5 debit card purchases per month. Make withdrawals and still earn bonus interest.	Go to siteView details Compare	loading Fetching your data...
ING Savings Accelerator ($150,000 - $500,000)	Finder score 8.5 Great	Maximum Variable Rate p.a. 5.15%	Standard Variable Rate p.a. 4.45%	Intro/Ongoing 4 months	Government Guarantee	Monthly Max Rate Conditions Welcome rate applies up to $500K	Ideal for higher balances, savers can earn up to 5.15% for the first 4 months and up to 4.45% thereafter. There are no conditions and $0 account-keeping fees.	Go to siteView details Compare	loading Fetching your data...
St.George Incentive Saver	Finder score 9.1 Excellent	Maximum Variable Rate p.a. 5.00%	Standard Variable Rate p.a. 1.60%	Intro/Ongoing Ongoing	Government Guarantee	Monthly Max Rate Conditions Grow balance $50 ($0.01 if under 21) Balance up to $249,999.99	Extra 0.10% p.a. for 3 months for new customers who apply online, balances under $250k.	Go to siteView details Compare	loading Fetching your data...
Macquarie Savings Account	Finder score 8.8 Great	Maximum Variable Rate p.a. 5.10%	Standard Variable Rate p.a. 4.75%	Intro/Ongoing 4 months	Government Guarantee	Monthly Max Rate Conditions Balances up to $250,000	Go to siteView details Compare	loading Fetching your data...
Bank of Queensland Simple Saver Account	Finder score 8.5 Great	Maximum Variable Rate p.a. 4.55%	Standard Variable Rate p.a. 4.55%	Intro/Ongoing Ongoing	Government Guarantee	Monthly Max Rate Conditions Balances up to $5,000,000	Open up to 9 accounts to take control of your savings and don't worry about meeting fiddly conditions or paying frustrating fees.	Go to siteView details Compare	loading Fetching your data...
Newcastle Permanent Smart Saver Account	Finder score 7.7 Great	Maximum Variable Rate p.a. 4.25%	Standard Variable Rate p.a. 0.05%	Intro/Ongoing Ongoing	Government Guarantee	Monthly Max Rate Conditions Grow balance No more than 2 withdrawals	Go to siteView details Compare	loading Fetching your data...
Westpac Life (18-29 year olds only)	Finder score 8.9 Great	Maximum Variable Rate p.a. 5.00%	Standard Variable Rate p.a. 1.60%	Intro/Ongoing Ongoing	Government Guarantee	Monthly Max Rate Conditions Make a deposit Grow your balance 5 debit card purchases Balances up to $30,000	Go to siteView details Compare	loading Fetching your data...
Bank of Queensland Future Saver Account - 14 to 35 years	Finder score 9.4 Excellent	Maximum Variable Rate p.a. 5.25%	Standard Variable Rate p.a. 0.05%	Intro/Ongoing Ongoing	Government Guarantee	Monthly Max Rate Conditions Deposit $1,000 5 eligible transactions Balances up to $50,000	Go to siteView details Compare	loading Fetching your data...
BCU Bonus Saver	Finder score 2.2 Basic	Maximum Variable Rate p.a. 4.75%	Standard Variable Rate p.a. 0.25%	Intro/Ongoing 4 months	Government Guarantee	Monthly Max Rate Conditions N/A	Go to siteView details Compare	loading Fetching your data...

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1

Compare other products

We currently don't have that product, but here are others to consider:

How we picked these

How the Finder Score helps you find a better savings account

The Finder Score is a simple score out of 10. The higher a savings account's score, the better we think it is for the average customer.

We score each savings account in our database of hundreds based on a data-driven methodology with 2 main criteria: Does the account offer a high interest rate? And is it easy for savers to actually earn that rate?

Read the full Finder Score breakdown

What is Internet banking like for Hume Bank?

Hume Bank’s online banking service, iBank, offers fast and easy access to your accounts at all times. It is a fully featured Internet banking service that allows you to perform a range of essential everyday banking tasks.

What about the mobile app?

Login Page	Transactions	Change PIN

What transaction accounts are offered by Hume Bank?

• Essential Account

The Essential Account offers a range of easy ways to access your funds, including unlimited free EFTPOS and electronic transactions. A Visa Debit card is also included, and if you deposit at least $2,000 a month or are under the age of 22 there is no monthly service fee.

• All Purpose Account

This flexible everyday account comes with a Visa Debit card, 20 free withdrawals per month and no monthly access fees. Free access to your funds is available 24/7 via Internet and mobile banking.

• Retirement Account

The Hume Bank Retirement Account is designed for pensioners over the age of 67 and pays tiered interest on your balance, with higher rates for balances over $50,000. Other features include unlimited free electronic transactions; a free Visa card, cashcard or chequebook; and no monthly fees.

• Clancy Koala Account

Designed for kids aged 11 and under, the Clancy Koala Account pays bonus interest when you deposit at least $10 per month and don’t make any withdrawals. There are no fees attached and parents can track their child’s progress online.

• Loan Offset Account

This account can be linked to an eligible Hume Bank home loan to act as a 100% offset facility and minimise your interest payments. It also features a free Visa Debit card and no account-keeping fees.

What high-interest savings accounts are offered by Hume Bank?

• iSave Account

This high-interest online savings account pays bonus interest when you deposit at least per month and don’t make any withdrawals. There are no monthly service fees and you can enjoy the convenience of easy access to your funds whenever you want.

• Reward Saver Account

Hume Bank’s Reward Saver Account pays bonus interest whenever you deposit at least $10 per month and don’t make any withdrawals. There are no account-keeping fees and you can enjoy two fee-free branch withdrawals per month.

• Cash Management Account

This account combines competitive tiered interest rates with the flexibility of fast and easy access to your funds. A free Visa Debit card is included and there are no account-keeping fees.

What term deposits are offered by Hume Bank?

Hume Bank offers a range of term deposits with no set-up or monthly fees. The minimum deposit amount is $1,000 and negotiated rates are available on deposits of $150,000 or more. Terms range from 1 to 36 months, and there are also Regular Income term deposits available if you want to receive interest payments every 28 days.

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What are the pros and cons of banking with Hume Bank?

How do I apply for a Hume Bank account?

If you’d like to become a Hume Bank member and open an account, you’ll need to visit your nearest branch and take your driver’s licence along with you. Alternatively, you can phone the bank’s customer helpline (open Monday to Saturday) if you’d simply like to discuss the benefits of joining.

Hume Bank’s range of savings and transaction accounts offer a range of competitive features, but make sure you compare them with products from other banks to find the right option for you.

Compare other products from Hume Bank

• Hume Bank credit cards
• Hume Bank home loans
• Hume Bank personal loans
• Hume Bank car insurance

Written by

Alison Banney

Editorial Manager, Money

Alison is an editor at Finder and a personal finance journalist with over 10 years of experience, having contributed to major financial institutions and publications such as Westpac, Money Magazine, and Yahoo Finance. She is frequently quoted in media outlets like SmartCompany and SBS, offering expert insights on superannuation and money management. Alison holds a Bachelor of Communications in Public Relations and Journalism from the University of Newcastle, and has earned three ASIC RG146 certifications in superannuation, securities and managed investments and general financial advice, ensuring her expertise is fully aligned with ASIC standards. See full bio

Alison's expertise

Alison has written 638 Finder guides across topics including:

• Superannuation
• Savings accounts, bank accounts and term deposits
• Budgeting and money-saving hacks
• Managing the cost of living