Compare People’s Choice Credit Union savings accounts

Almost 350,000 people across all of Australia have chosen to bank with the People’s Choice Credit Union. With a history that dates back to 1976, the credit union came into its own in 2009 with the merger of Australian Central and Savings & Loans. Since that time it has been building an impressive list of products to fulfil the banking needs of all Australians.

• Savings Accounts Interest Rates
• Transaction Accounts
• Term Deposits Interest Rates
• How do People’s Choice Credit Union savings accounts compare?

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Name	Maximum Variable Rate p.a.	Base interest rate	Intro/Ongoing	Government Guarantee	Monthly Max Rate Conditions
People's Choice Young Saver Account	Maximum Variable Rate p.a. 5.05%	Standard Variable Rate p.a. 0.10%	Intro/Ongoing Ongoing	Government Guarantee	Monthly Max Rate Conditions Deposit $5 each month No withdrawals	Continue Compare	loading Fetching your data...
People's Choice Bonus Saver Account	Maximum Variable Rate p.a. 4.40%	Standard Variable Rate p.a. 0.01%	Intro/Ongoing Ongoing	Government Guarantee	Monthly Max Rate Conditions Deposit $50 each month No withdrawal	Continue Compare	loading Fetching your data...
People's Choice Dream Fund	Maximum Variable Rate p.a. 4.90%	Standard Variable Rate p.a. 0.01%	Intro/Ongoing Ongoing	Government Guarantee	Monthly Max Rate Conditions Grow balance each month	Continue Compare	loading Fetching your data...

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Name	Monthly fee	Govt. Guarantee	Own network ATM fee	Card type
People's Choice Everyday Account Apple Pay Google Pay Samsung Pay	Monthly fee $0	Government Guarantee	Own network ATM fee $0	Card type Visa	ContinueMore Info Compare
People's Choice Everyday Living Account Apple Pay Google Pay Samsung Pay	Monthly fee $0	Government Guarantee	Own network ATM fee $0	Card type Visa	Continue Compare
People's Choice Credit Union Offset Account Apple Pay Google Pay Samsung Pay	Monthly fee $8	Government Guarantee	Own network ATM fee $0	Card type Visa	ContinueMore Info Compare

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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.
People's Choice Credit Union Term Investment $5,000 min. deposit$999,999 max. deposit	3 Mths p.a. 3.95%	4 Mths p.a. 3.60%	5 Mths p.a. 3.60%	6 Mths p.a. 4.65%	7 Mths p.a. 3.95%	11 Mths p.a. 4.15%	12 Mths p.a. 4.40%	24 Mths p.a. 4.10%	ContinueMore Info Compare

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Name	Maximum Variable Rate p.a.	Base interest rate	Intro/Ongoing	Government Guarantee	Monthly Max Rate Conditions
ING Savings Accelerator ($150,000 - $500,000)	Maximum Variable Rate p.a. 5.40%	Standard Variable Rate p.a. 4.70%	Intro/Ongoing 4 months	Government Guarantee	Monthly Max Rate Conditions Welcome rate applies up to $500K	Go to siteView details Compare	Ideal for higher balances, savers can earn up to 5.4% for the first 4 months and up to 4.7% thereafter. There are no conditions and $0 account-keeping fees.	loading Fetching your data...
Rabobank High Interest Savings Account	Maximum Variable Rate p.a. 5.60%	Standard Variable Rate p.a. 4.35%	Intro/Ongoing 4 months	Government Guarantee	Monthly Max Rate Conditions Balances up to $250,000	Go to siteView details Compare	loading Fetching your data...
Ubank High Interest Save Account	Maximum Variable Rate p.a. 5.50%	Standard Variable Rate p.a. 0.00%	Intro/Ongoing Ongoing	Government Guarantee	Monthly Max Rate Conditions Deposit $500 Savings up to $100,000	Go to siteView details Compare	loading Fetching your data...
ING Savings Accelerator ($150,000 - $500,000)	Maximum Variable Rate p.a. 5.40%	Standard Variable Rate p.a. 4.70%	Intro/Ongoing 4 months	Government Guarantee	Monthly Max Rate Conditions Welcome rate applies up to $500K	Go to siteView details Compare	loading Fetching your data...
Macquarie Savings Account	Maximum Variable Rate p.a. 5.35%	Standard Variable Rate p.a. 5.00%	Intro/Ongoing 4 months	Government Guarantee	Monthly Max Rate Conditions Balances up to $250,000	Go to siteView details Compare	loading Fetching your data...
Suncorp Bank Growth Saver Account	Maximum Variable Rate p.a. 5.05%	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	Go to siteView details Compare	loading Fetching your data...
Bank of Queensland Simple Saver Account	Maximum Variable Rate p.a. 4.85%	Standard Variable Rate p.a. 4.85%	Intro/Ongoing Ongoing	Government Guarantee	Monthly Max Rate Conditions Balances up to $5,000,000	Go to siteView details Compare	loading Fetching your data...
Newcastle Permanent Smart Saver Account	Maximum Variable Rate p.a. 4.50%	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...
ING Savings Maximiser	Maximum Variable Rate p.a. 5.50%	Standard Variable Rate p.a. 0.55%	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...
IMB Reward Saver Account	Maximum Variable Rate p.a. 5.25%	Standard Variable Rate p.a. 0.00%	Intro/Ongoing 4 months	Government Guarantee	Monthly Max Rate Conditions Deposit $50 No withdrawals Balances up to $1,000,000	Go to siteView details Compare	Earn up to 3.25% p.a. after the introductory period ends.	loading Fetching your data...
Rabobank PremiumSaver	Maximum Variable Rate p.a. 5.35%	Standard Variable Rate p.a. 1.45%	Intro/Ongoing Ongoing	Government Guarantee	Monthly Max Rate Conditions Grow your balance by $200+ each month Balances up to $250,000	Go to siteView details Compare	loading Fetching your data...
St.George Incentive Saver	Maximum Variable Rate p.a. 5.25%	Standard Variable Rate p.a. 1.85%	Intro/Ongoing Ongoing	Government Guarantee	Monthly Max Rate Conditions Grow balance $50 ($0.01 if under 21) Balance up to $249,999.99	Go to siteView details Compare	Extra 0.10% p.a. for 3 months for new customers who apply online, with balances under $250,000.	loading Fetching your data...

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Despite being a member owned financial institution, People’s Choice Credit Union is still recognised as an Authorised Deposit Taking Institution, making them subject to the same rules and regulations as every Australian bank is. This includes ensuring that deposits of up to $250,000 per person are covered by the Australian Government Guarantee. This works in perfectly with their line of savings products that are designed to meet the various needs of all their members.

Who is People’s Choice Credit Union?

People’s Choice Credit Union has found ways to ensure that the varying savings needs of their members can be easily met. With accounts designed for kids, Christmas and even long term savings goals, you are given plenty of options to choose between. There are 50 branches located throughout Australia from where you can manage your account, or choose an online saver and take care of your money from home.

• People’s Choice CU SWIFT code: CUSCAU2SXXX

What’s Internet banking like for People’s Choice CU?

People’s Choice CU customers can turn to its online banking platform or mobile banking app to access account related information, to pay bills, and to transfer money. They can turn online to register for e-statements and SMS banking. If you’ve received a new People’s Choice CU access card, you can activate it online.

People's Choice CU makes use of industry-standard encryption to ensure the transfer of data remains secure.

What about the mobile app?

Login Page	Dashboard	Accounts

What transaction accounts does People’s Choice Credit Union offer?

• Everyday Account. For a monthly fee you are provided with unlimited transactions, but use three other products offered by the credit union and you could qualify to have that fee waived. The Everyday Account arms you with a Visa debit card, giving you access to your cash at the point of sale, at an ATM or even online.

What high interest savings accounts does People’s Choice Credit Union have?

• Young Saver Account. Children can earn bonus interest on their savings just by making one monthly deposit of at least $5 with no withdrawals. Interest is paid monthly, showing young people the benefits of saving your money from a young age.
• Bonus Saver Account. Make no withdrawals and at least one $50 deposit each month, and you will receive a bonus rate on your interest with this account. Access is allowed at a branch or online but fees may be applied for teller assisted transactions.

What term deposits can People’s Choice Credit Union provide?

• Personal Term Investments. Available for savers as young as 13 years of age, term deposits require a minimum deposit of $5,000 and can be opened for anywhere between two months and five years. The longer the terms, the higher the interest rate applied. Plus, with any investment of over one year you can choose to have the interest paid annually or monthly.

What are the pros and cons to banking with People’s Choice Credit Union?

How do I apply for People’s Choice Credit Union savings account?

You need to compare the accounts offered by People's Choice Credit Union to make sure they suit your personal financial needs and your unique situation. If you decide one of the People's Choice accounts suits your needs, the People’s Choice Credit Union allows for applications for savings accounts to be submitted online. Just click ‘Go to Site’ and you will be securely transferred to their application page. You will need to meet certain criteria before being able to start, including:

• Membership. Only active credit union members are allowed to submit an application. If you are not already a member you will be prompted to join first. This application is also available online and will take approximately 10 to 15 minutes to complete. There are no job or residency requirements, but you will be asked to pay a $2 membership charge.
• Applying. Once you have confirmed your membership, you can login to online banking and continue with your savings account information.
• Underage applicants. If under 18 check to ensure that you are applying for the right account.

You will need to supply supporting documentation to verify your identity. This could be your driver’s licence, passport, or work visa. Once your identity has been confirmed, you will be contacted with the details of your new account.

Compare other products from People's Choice

• People's Choice credit cards
• People's Choice home loans
• People's Choice term deposits
• People's Choice personal loans
• People's Choice car loans
• People's Choice car insurance

Written by

Shirley Liu

Publisher

Shirley Liu is Finder's global program manager. She was previously the publisher for banking and investments and has also written comparisons for energy, money transfers, Uber Eats and many other topics. Shirley has a Master of Commerce and a Bachelor of Media, Journalism and Communications from the University of New South Wales. She is passionate about helping people find the best deal for their needs. See full bio