Savings Account Interest Rates
Written by Aija Zablovska
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e-ZYNET Direct Account
| Balance | Interest rate |
| $1-$5,000 | 2.25% p.a. |
| $5,001-$100,000 | 2.75% p.a. |
| $100,001 and above | 3.00% p.a. |
Effective 15 May 2013
Interest calculated on daily balance and paid monthly. Tiered interest.
XLR8
| Balance | Interest rate |
| All balances | 4.00% p.a. |
Effective 15 May 2013
Maximum balance $250,000. Interest calculated on daily balance and paid monthly.^ Interest is only payable in calendar months where at least one deposit (min $50) is made and no withdrawals or transfers have occurred.
Cash Management Account
| Balance | Interest rate |
| $1-$5,000 | 0.01% p.a. |
| $5,001-$20,000 | 1.25% p.a. |
| $20,001-$50,000 | 1.50% p.a. |
| $50,001-$100,000 | 1.75% p.a. |
| $100,001 and above | 2.25% p.a. |
Effective 15 May 2013
Minimum opening balance $5,000. Interest paid March, June, September and December. Tiered interest.
Capital Guaranteed Super Fund
| Balance | Interest Rate % p.a. | Interest Benefit* |
| $1-$1,999 | 0.50% p.a. | $9.99 p.a. |
| $2,000-$9,999 | 1.00% p.a. | $99.99 p.a. |
| $10,000-$19,999 | 1.50% p.a. | $299.98 p.a. |
| $20,000-$49,999 | 2.00% p.a. |
$999.98 p.a. |
| $50,000 and above | 2.50% p.a. | $1750.00 p.a. ** |
Effective 1 June 2013
*Projected interest earned annually based on the highest balance for each interest rate band (before tax). Illustrations only. Daily interest based on whole balance credited monthly. Excludes compound interest – actual interest payments may be higher.
**Based on $70,000. Tiered interest.
Capital Guaranteed Pension Fund
Minimum opening deposit $30,000.
| Variable Interest Rate Option | Interest rate |
| All balances | 3.00% p.a. |
Effective 15 May 2013
| Fixed Interest Rate Option | Interest rate |
| 6 months | 3.25% p.a. |
| 12 months | 3.40% p.a. |
| 24 months | 3.50% p.a. |
Effective 8 May 2013
First Home Saver Account
| Balance | Interest rate |
| Conditions apply | 3.25% p.a.† Plus |
| Conditions apply | 17.00% p.a.* contribution by the Government |
Effective 15 May 2013
* On individual contributions of up to a maximum of $6,000 annually
† Rate shown is before Government tax of 15%. Interest calculated daily and paid quarterly.
V.I.P Account
(Pensioner Deeming Account)
| For single name accounts | Interest rate |
| On first $45,400 | 2.50% p.a. |
| On the balance over $45,400 | 4.00% p.a. |
| For joint name accounts | Interest rate |
| On first $75,600 | 2.50% p.a. |
| On the balance over $75,600 | 4.00% p.a. |
Effective 20 March 2013
Interest paid monthly by deposit to your V.I.P. Account or by cheque to your home. Strata interest. Proof of pensioner status required.
On Call Deposits and Cheque Account
| Balance | Interest rate |
| All balances | 0.01% p.a. |
Effective 8 December 2009
Premium Online Investor Account
| Balance | Interest rate |
| All balances | 4.31% p.a.‡ |
Effective 15 May 2013
Minimum opening deposit $5,000. Maximum balance $500,000. Interest calculated on daily balance and paid monthly.‡ Interest is only payable in calendar months where no withdrawals or transfers have occurred. Eligibility criteria apply. Withdrawal restrictions, terms and conditions apply. Applications online at www.hunterunited.com.au only.
Retiree Online Investor Account
| Balance | Interest rate |
| All balances | 4.06% p.a. |
Effective 15 May 2013
Minimum opening deposit $5,000. Maximum balance $500,000. Interest calculated on daily balance and paid monthly. Interest is only payable in calendar months where a maximum of one withdrawal or transfer has occurred. Account holders must be of 55 years of age or above. Eligibility criteria apply. Withdrawal restrictions, terms and conditions apply. Applications online at www.hunterunited.com.au only.
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NOTES:
Strata interest – Different interest rates apply to different portions of your account balance.
Tiered interest – A single interest rate applies to the entire balance of your account. When you balance reaches a higher tier you will receive the highest interest rate for that tier on the entire balance of your account.
Single Tiered Interest – A single interest rate applies to the entire balance of your account.
This interest rate brochure forms part of the Product Guide for each Hunter United Employees’ Credit union Savings Account and RSA Product Disclosure . Download Product Guide and Product Disclosures Statements here. You should consider the Product Guide or Product Disclosure Statement in deciding if this product is appropriate for you. Terms, conditions, fees and charges apply. Terms and conditions available on application. Rates subject to change.









