55+ Account
For members who are over 55, this account provides competitive interest rates with no account keeping fees. Apply online, call or visit us.
Great flexibility whatever your life situation.
Our 55+ transaction account is available to all members aged 55 and over. It offers you the ability to earn higher returns without having to lock funds away and has no monthly account keeping fees. Whether you’re working, receiving a pension or retired, that combination is hard to beat.
You can also request a free Visa Debit Card with payWave which you can load into Google Pay™, Apple Pay, Samsung Pay and Garmin Pay™. Now you can pay for purchases using your smart device, wherever mobile payment systems are offered2.
You’ll also be able to temporarily lock your card (if you misplace it), plus block payWave, international and online transactions whenever you need to – using the Mobile Banking App or Internet Banking.
With unbeatable security through measures such as the Visa Zero Liability policy (which protects against unauthorised transactions) and our own 24/7 fraud monitoring service, you’ll always feel protected.
Online banking with this account is available 24/7 with Internet Banking and our Mobile Banking App. Internet banking will provide you with eStatements as well as the means to securely message each other, reducing paper and postage costs.
If this sounds like the account for you can apply online right now!
Free Visa Debit Card
With payWave access. Learn more
No monthly fee
There are no monthly account keeping fees on the 55+ Account.
24/7 banking
With Internet Banking and our Mobile Banking App.
Tap. Pay. Done. It’s that easy. Say hello to Google Pay™
55+ Account interest rates
| Product Name | Tier | Interest Rate |
|---|---|---|
| 55+ Account | < $50,000 | 0.75% pa |
| 55+ Account | $50,000 - $250,000 | 1.95% pa |
| 55+ Account | > $250,000 | 2.30% pa |
The 55+ Account pays interest on the portion of your account balance within each tier.
55+ Account fees
Fee
Amount
Monthly Access Fee
$0
ATM Withdrawal Fee (Australia and Overseas)
$0
Start your application now
Apply online
If this sounds like the right account for you, apply online right now!
Already a member?
Open an account using your Mobile Banking App or Internet Banking.
Mobile Banking App
- Select Open new account from the drop-down menu, then click Access Account and follow the instructions.
Internet Banking
- Select Apply for from the top navigation menu, click Account, then choose Access Account from the list and follow the instructions.
FREQUENTLY ASKED QUESTIONS
View all Accounts FAQsAt Credit Union SA we want you to be able to make the most of what you've earned. That’s why we offer a dedicated 55+ Account that offers members aged 55 and up the ability to earn high returns without having to lock funds away, with no monthly account keeping fees.
No, it does not cost you anything extra to use Apple Pay.
The usual credit or debit charges apply to purchases and some retailers may apply a credit or debit card surcharge to purchases made using any payment method, including Apple Pay, contactless or chip and PIN transactions.
You require an active data plan or Wi-Fi connection to add your card to Apple Pay. Based upon your mobile plan and network, additional message and/or data charges may apply.
Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. iPad Pro is a trademark of Apple Inc.
The Credit Union SA Mobile Banking App is a simplified version of Internet Banking for your iOS or Android phone. It provides you the tools to easily check balances, pay bills and transfer funds. You can also find general product information and apply for new products. To discover how to use all of the features on our Mobile Banking App, refer to our Mobile Banking App user guide.
The Mobile Banking App is protected using the same protocol encryption as Internet Banking, providing all internet enabled mobile phones are 128 bit security enabled.
Yes, you can use your card at any ATM. Although, we don’t charge any fees when using ATMs within Australia1, some ATM operators may charge a fee to process your transaction or balance enquiry. If withdrawing cash overseas, a fee may be charged by the ATM operator and the details will be disclosed at the time of the transaction or enquiry.
Help me save and budget
Setting a budget can help you to save for the things that you want easily and quickly. Credit Union SA's guide will help you work toward your goals.
Mobile Banking App
Available for both Apple and Android smart devices, the Credit Union SA Mobile Banking App allows you to utilise all the best functionality of our website and Internet Banking services – anytime and anywhere you have an internet connection.
Digital Wallet
Digital wallets can be used to pay for purchases via a Credit Union SA Visa Debit Card or Visa Credit Card loaded into your smart device, wherever mobile payment systems are offered.
The credit union difference
At Credit Union SA, we offer all the same services as a bank but with one very important difference - our highest priorities are our members and our community.
GUIDES AND NEWS
How we
can help
Contact us
You can contact us by calling us, visiting us, making an appointment, or using Secure Mail.
Call us
We’re here to answer any questions you might have – make sure you have your Access Code ready!
Visit us
400 King William Street, Adelaide has self-service options available to make your life easier.
Mobile Lending Managers
Our Mobile Lending Managers can help our members by phone or email, with video calls now available.
INFORMATION YOU SHOULD KNOW
This is general advice only and you should consider the terms and conditions before determining whether any of our products are suitable to your situation. Interest rates are subject to change and special offers may be withdrawn at any time.
The target market for this product can be found within the product’s Target Market Determination (TMD), available at creditunionsa.com.au/legal/terms-and-conditions/target-market-determination.
1
We do not charge any fees when using ATMs within Australia. However, some ATM operators may charge a fee to process your transaction or balance enquiry. If withdrawing cash overseas a fee may be charged by the ATM operator and the details will be disclosed at the time of the transaction or enquiry. Other fees and charges may apply.
2
Android, Google Pay, and the Google Logo are trademarks of Google LLC. Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. iPad Pro is a trademark of Apple Inc. Samsung Pay is a trademark of Samsung Electronics Co., Ltd. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.