Hume Bank Savings and Bank Accounts

Boost your bank balance with a savings account from Hume Bank.

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Hume Bank

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
Name Maximum Variable Rate p.a. Base interest rate Intro/Ongoing Government Guarantee Monthly Max Rate Conditions
Hume Bank iSave
Hume Bank logo
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
Hume Bank Reward Saver
Hume Bank logo
Maximum Variable Rate p.a.
5.00%
Standard Variable Rate p.a.
0.01%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Deposit $10 each month
  • No withdrawals
Hume Bank Professional Cash Management Account
Hume Bank logo
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
Hume Bank Retirement Account
Hume Bank logo
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
Hume Bank Clancy Koala Account
Hume Bank logo
Maximum Variable Rate p.a.
5.00%
Standard Variable Rate p.a.
0.01%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Deposit $10 a month
  • No withdrawal
Hume Bank Business Farm Management Deposit Account
Hume Bank logo
Maximum Variable Rate p.a.
4.60%
Standard Variable Rate p.a.
4.60%
Intro/Ongoing
Ongoing
Government Guarantee
Monthly Max Rate Conditions
  • Balances $1,000 - $800,000.
Hume Bank Business iSave Account
Hume Bank logo
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
Hume Bank Business Account Tax Manager
Hume Bank logo
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
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Showing 8 of 8 results
Name Monthly fee Govt. Guarantee Own network ATM fee Card type
Hume Bank All Purpose Account
Hume Bank logo
Apple Pay Google Pay Samsung Pay Garmin Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
More Info
Hume Bank Essential account
Hume Bank logo
Apple Pay Google Pay Samsung Pay Garmin Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Hume Bank Loan Offset Account
Hume Bank logo
Apple Pay Google Pay Samsung Pay Garmin Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Hume Bank Community Link Account
Hume Bank logo
Apple Pay Google Pay Samsung Pay Garmin Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Hume Bank Business Account
Hume Bank logo
Apple Pay Google Pay Samsung Pay Garmin Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
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Showing 5 of 5 results
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
Hume Bank logo
$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.
4.75%
7 Mths p.a.
-
11 Mths p.a.
-
12 Mths p.a.
4.60%
24 Mths p.a.
4.40%
Hume Bank Business Term Deposit
Hume Bank logo
$1,000 min. deposit
3 Mths p.a.
3.60%
4 Mths p.a.
-
5 Mths p.a.
-
6 Mths p.a.
4.75%
7 Mths p.a.
-
11 Mths p.a.
-
12 Mths p.a.
4.60%
24 Mths p.a.
4.40%
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Showing 2 of 2 results
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1 - 10 of 181
Name Maximum Variable Rate p.a. Base interest rate Intro/Ongoing Government Guarantee Monthly Max Rate Conditions
ING Savings Accelerator ($150,000 - $500,000)
ING logo
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
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.
Ubank High Interest Save Account
Ubank logo
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
ING Savings Accelerator ($150,000 - $500,000)
ING logo
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
Macquarie Savings Account
Macquarie Bank logo
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
Suncorp Bank Growth Saver Account
Suncorp Bank logo
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
Bank of Queensland Simple Saver Account
BOQ logo
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
Newcastle Permanent Smart Saver Account
Newcastle Permanent logo
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
ING Savings Maximiser
ING logo
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
IMB Reward Saver Account
IMB logo
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
Earn up to 3.25% p.a. after the introductory period ends.
St.George Incentive Saver
St.George Bank logo
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
Extra 0.10% p.a. for 3 months for new customers who apply online, with balances under $250,000.
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Showing 10 of 10 results

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.

Notable features include:

  • Monitor your accounts, balances and transactions
  • Transfer money between your accounts and to other accounts
  • Pay bills online
  • Schedule automatic payments
  • Activate your debit or credit card

What about the mobile app?

Image Source: App Store
Login PageTransactionsChange 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 55 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?

Pros

  • Large selection of accounts. Whether you’re saving towards a particular goal or you simply want a flexible everyday account, Hume Bank offers products to suit.
  • Mobile banking available. As well as an easy-to-use Internet banking portal, Hume Bank also offers the convenience of mobile banking.
  • Visa Debit card. Many Hume Bank accounts come with a free Visa Debit card to allow easy access to your funds.

Cons

  • Limited branch network. If you like to do your banking face-to-face, make sure there are Hume Bank branches conveniently located close to you.
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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

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Editor

Alison Banney is the money editorial manager at Finder. She covers all areas of personal finance, and her areas of expertise are superannuation, banking and saving. She has written about finance for 10 years, having previously worked at Westpac and written for several other major banks and super funds. See full bio

Alison's expertise
Alison has written 625 Finder guides across topics including:
  • Superannuation
  • Savings accounts, bank accounts and term deposits
  • Budgeting and money-saving hacks
  • Managing the cost of living

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