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Credit card and Overdraft Fees

Fee Amount
Visa Credit Card Annual Fee
This fee does not apply if you hold a Teachers Credit Card or your card is linked to a Home Loan Package.$39
ATM Withdrawal Fee (Australia and Overseas)
Where you perform a transaction using an ATM that is not part of the national rediATM network of ATMs, including any ATM located outside of Australia, you may be charged a fee by the ATM operator. This fee is not charged by Credit Union SA and will be disclosed at the time of performing the transaction. You can avoid the fee by cancelling the transaction when prompted$0 however third party costs may apply
Visa Currency Conversion
You perform a transaction in a currency other than Australian dollars using a Visa card. This fee is included in the AUD amount debited to your account and comprises 2.00% charged by third parties and 1.00% charged by Credit Union SA3% of the AUD transaction amount
Arrears Fee
Payable whenever we send you a letter because you do not make a repayment in full on or before the date it is due and the default continues for three days or more.
Letter 1 – arrears 3 to  10 days
Letter 2 – arrears 11 to  18 days
Letter 3 – arrears 19 to  26 days
Letter 4 – arrears 27 days or more
First letter$0
Subsequent letters$10
Overdraft Establishment Fee
Payable when you apply for a new overdraft limit or an increase to an existing overdraft limit$60
Overdraft Transaction Fees
Transaction and monthly fees may also apply on your overdraft account. Please refer to the Accounts tab for transaction account fees