|
Interest on
entire balance $1 and over
|
4.50% p.a.
|
top
Bonus Saver
Be rewarded for saving! Earn extra interest with
a minimum deposit of $20
per month and if you save and have no withdrawals
earn bonus interest, calculated daily and paid monthly.
Variable Interest Rate.
|
$1 and over
base rate |
0.50% p.a.
|
Deposit $20 per month
with no withdrawals
bonus rate |
3.00% p.a.
|
top
Pensioner Savings
Interest is calculated on minimum monthly
balance and paid monthlv. Pensioners can also access
their funds through Cuecard at ATM's or EFTpos.
Cheque book facilities also available. Variable Interest
Rate.
|
$1 -
$2,000 |
0.25% p.a.#
|
|
$2,001 -
$41,000 |
2.50% p.a.# |
|
$41,001
and over |
4.00% p.a.# |
# For single members.
top
Term Saver 6
A Flexible Term Deposit option with a minimum
deposit of $10,000 where interest is calculated
daily and paid monthly. No penalty for
withdrawal as long as you keep a minimum of
$10,000.*
|
Term
Saver 6 (6 months)
$10000+ |
4.50% p.a.
|
top
Fixed Term Deposits
A minimum deposit of $1,000 will get
you started. Interest rate is on a per annum basis,
calculated daily and paid on maturity.**
|
Term
|
$1,000 - $4,999
|
$5,000 - $9,999 |
$10,000 - $49,999
|
$50,000 - $99,999 |
$100,000
- $349,999
|
|
24 months |
1.50%
p.a. |
5.00%
p.a. |
6.00% p.a. |
6.00% p.a. |
6.00%
p.a.
|
|
18 months |
1.25%
p.a. |
4.50%
p.a. |
5.50% p.a. |
5.50% p.a. |
5.50%
p.a.
|
|
12 months |
1.00%
p.a. |
4.50%
p.a. |
6.00% p.a. |
6.00% p.a. |
6.00%
p.a.
|
|
7 months |
0.75%
p.a. |
4.00%
p.a. |
5.80% p.a. |
5.80% p.a. |
5.80%
p.a.
|
|
4 months |
0.50%
p.a. |
1.25%
p.a. |
5.00%
p.a. |
5.00%
p.a. |
5.00%
p.a. |
|
1 month^ |
0.50%
p.a. |
0.75%
p.a. |
2.50%
p.a. |
2.50%
p.a. |
3.25%
p.a. |
Deposit rates above
$350,000 are negotiable and are priced on
application.
*Early Redemption for Term Saver Deposits
is entirely at Dnister's discretion and will incur
penalty interest as follows:
Redemption in the first 3 months of term - no
interest paid
Redemption after 3 months but before maturity -
previous month's interest paid.
**Early Redemption for Fixed Term Deposits is
entirely at Dnister's discretion
and will incur a penalty interest as
follows:
Redemption in last 10% of term - minus 0.50%
p.a.
Redemption in last half of term - minus 1.50%
p.a.
Redemption in first half of term - minus 3.00%
p.a.
^ Rates for 2,5,8,9,10 & 11 months fixed term
deposits are the same as the 1 month fixed deposit
rates.
top
Premier Home Loan
Owner occupied & investment housing
properties for mortgages over $50,000. Offset
facility allows redraw of your own funds at your
convenience. Repayments can be made weekly,
fortnightly or monthly.
|
Standard
Variable Rate |
7.18% p.a.
|
top
Standard Home Loan
Free of fees and charges that lets you
redraw any surplus amount you have contributed to
the repayment of the loan in excess of $250,000
No penalty for early repayment.
|
Home
(Standard Variable) |
7.36% p.a.
|
top
Interest Only Loan
As the title implies you are only required to
meet the monthly interest costs during the term of
the loan. The loan term is restricted to 12 months
in full at the end of the approved term.
|
Interest
Only Loan |
7.80% p.a.
|
top
Equity Access Facility
Allows you to access the equity you have built
up in your home to take that long awaited overseas
holiday, renovate your home or buy a new car. In
fact you can use the funds for any worthwhile
purpose.
|
Equity
Access Facility |
7.72% p.a.
|
top
Premier Personal Loan
All purpose personal loan for car, shares, boat,
students or even credit card debt. A free redraw
facility is available to loans in excess of $250
without cost to you. Loans are available for any
amount over $5,000 up to $50,000.
|
Standard
Variable Rate - secured by Goods
Mortgage or Real Estate Property |
8.89% p.a.
|
top
Personal Loan
Unsecured Personal Loan for any approved
purchase valued over $5,000 up to $50,000. Redraw
facility is available and payment can be made
weekly, fortnightly or monthly without penalty.
|
Unsecured
Personal Loan |
11.74% p.a.
to 14.75%p.a.
|
top
Personal Overdraft
A credit facility that permits drawing against a
savings account where credit funds are not
available and will cause the account to
overdraw. Monthly repayments are the greater of
$20.00 or 2% of the month end closing balance.
|
Secured Overdraft -
secured by Goods Mortgage or Real Estate
Property |
11.23% p.a.
|
|
Unsecured Overdraft
|
15.75% p.a.
|
top
Business Loan
Financing the purchase, or ongoing running of a
business, or business investment. Variable rate
applies and the facility is repayable over an
agreed term not exceeding 15 years. Overdraft
facility is also available. Repayments are the
greater of $20.00 or 2% of the month end closing
balance of the account.
|
Business Loan (Standard
Variable) |
9.95% p.a.
|
top
Business Interest Only Loan
As the title implies you are only required to
meet the monthly interest costs during the term of
the business loan. The loan term is restricted to 12 months
in full at the end of the approved term.
|
Business Loan (Standard
Variable) |
9.95% p.a.
|
top
Unauthorised Overdrawn Accounts
top
Note: All rates quoted are per annum. The rates
quoted are subject to change without notice. Fees,
charges, terms and conditions may apply. Details
available on request. Applications for all loan
types are subject at all times to credit assessment
and approval.
Loyalty Fee Rebate Program
Our loyalty Fee-Rebate Program provides you with a monthly transaction allowance
based on your level of savings or loan support of the Credit Co-Operative. This
Program offers you greater opportunity to avoid transaction fees when you
maintain all your accounts at Dnister. A modest home loan, personal or
investment would provide a monthly allowance to cover normal day-to-day
transactions.
top
General
Transaction Allowance
All members receive a number of free
transactions each month, depending on their Relationship Balance with the Credit
Co-Operative. Your Relationship Balance is calculated on the average monthly
balance of your savings, investment and loan balance and the drawn down balance
of any overdraft facility. For example, if you have $900 in savings and $4,500
in loans, your Relationship Balance is $5,400. In general, the greater your
Relationship Balance, the greater your monthly transaction allowance. This
allowance assists members to offset the cost of transaction fees incurred during
the month.
|
Relationship
Balance |
Monthly
Transaction Allowance / Rebate |
| $0 up to $500
| $4.00 |
| $500 up to $2,000
| $6.00 |
| $2,000 up to $5,000 |
$10.00 |
| $5,000 up to $25,000 |
$13.00 |
| $25,000 and above |
$16.00 |
top
Under 18 Years of Age
All members receive a number of free
transactions each month, depending on their
Relationship Balance Members 18 years of age and
under will automatically be eligible for the maximum
rebate of $16 per month to offset their relationship
balance.
top
Students 19 Years and Over
Members 19 years and over with a current full-time
student card will also be eligible for the
maximum rebate of $16 per month regardless of their
relationship balance.
Any unused monthly
transaction allowance is not paid to the member and
is not carried forward to the next month.
top
Tips To Avoid and Minimise Transaction Fees and Charges
- Try to withdraw enough cash
in one transaction to meet your weekly
cash requirements rather than numerous withdrawals.
- Use EFTPOS for withdrawing cash at the same time
as you make a purchase. Most merchants allow this
and enabling you to make one transaction instead of
two.
- Maximise your member support level by borrowing
and saving with Dnister rather than elsewhere.
- Use Internet and Telephone Banking and BPAY to pay
your bills rather than by cash or cheque. Service
providers such as telephone, electricity, gas and
water companies all offer payment by BPAY.
- Use low - cost or free transactions where
possible.
- Familiarise yourself with the member support level
that applies to you, the monthly rebate you receive
and the fees associated with any regular
transactions you make.
top
Free
Services
-
Member Services
|
Counter deposits
|
Free
|
|
Giro Post deposits
|
Freee
|
|
BPAY payments
|
Free
|
|
Cheque deposits
|
Free
|
|
Staff assisted account transfers
|
Free
|
|
Phone Banking transfers
|
Free
|
|
Direct credits
|
Free
|
|
Quick debits
|
Free
|
|
NetTeller transfers
|
Free
|
|
Electronic transfers
|
Free
|
|
Account Keeping Fees
|
Free
|
top
Free Services -
Loans
|
NO
Loan Application Fee
|
|
NO
Monthly Fee
|
|
NO
Redraw (minimum withdrawal is
$250.00)
|
top
Transaction
Fees - Rebatable - Member Services
The following transaction fees apply to all access or
transaction accounts prior to a monthly
transaction allowance
being applied.
Per Transaction
|
ATM
balance enquiry |
$1.75 ea
|
|
ATM withdrawals
|
$1.75 ea
|
|
Corporate cheque withdrawal
|
$5.00 ea
|
|
EFTPOS
Member Cheque withdrawal
|
$0.75 ea
|
|
Declined ATM transactions
|
$1.75 ea
|
|
Direct
debits - per item
|
$0.20 ea
|
|
Giro Post withdrawals
|
$2.50 ea
|
top
Transaction
Fees - Non Rebatable - Loans
|
Loan
application fee |
Free |
|
Establishment fee - Business Loan |
$600 |
|
Establishment fee - Home Loan |
$500 |
|
Establishment fee - Personal Loan |
$100 |
|
Establishment fee - Equity Access |
$500 |
|
Establishment fee - Personal Overdraft |
$250 |
|
Monthly
fee |
Free |
|
Outsourced
mortgage
costs:
Valuation, legal, stamp duty, third party charges and loan
default recovery costs passed on at cost. |
P.O.A. |
|
Redraw (minimum
withdrawal is $250.00) |
Free |
|
Late
repayment |
$25.00 |
|
Penalty
interest
(additional rate of interest) |
2.00% p.a. |
|
Overdrawn
account
fee (plus penalty interest) |
$10.00 |
|
Overdraft excess fee (plus penalty interest) |
$10.00 |
|
Early redemption (Premier Home Loan) |
$600 |
top
Transaction
Fees - Non Rebatable - Member Services
|
Account keeping fees
|
Free
|
|
ATM/EFTPOS dispute
|
$35.00
|
|
ATM/EFTPOS enquiry lodgement fee
|
$10.50
|
|
Automated phone banking (24 hours)
|
Local call
|
|
Bank cheque
|
$10.00 ea
|
|
BPAY transaction investigation
|
$10.00 ea
|
|
Copy of interest summary - per previous
financial year |
$10.00 ea
|
|
Copy of statement of accounts*
*Replacement statement per page |
$10.00 ea
|
|
Corporate cheque stop request
|
$10.00 ea
|
|
Counter cash withdrawals (6 Free per month)
(after 6 Free per month) |
Free
$01.00 ea
|
|
Cue Card replacement
|
$10.00 ea
|
|
Dormant account service fee
|
$10.00 pa
|
|
Excess
coin deposits (Junior members exempt)
......coins
sorted and bagged
......coin
handling fee |
Free
$5.00 per $100 |
|
Inter credit union withdrawal
|
$25.00 pa
|
|
Member Cheque Books
......25
cheques
......50
cheques
......100
cheques
......200
cheques
|
$05.00
$10.00
$20.00
$40.00
|
|
Member cheque special clearance (next
day)
|
$20.00 ea
|
|
Member cheque stopped but then presented
|
$35.00 ea
|
|
Member cheque copy
|
$49.50 ea
|
|
Member cheque / periodic payment trace
|
$33.00 ea
|
|
Term Deposit early withdrawal penalty
interest
......Redemption in last 10% of term
......Redemption in last half of term
......Redemption in first half of term
|
Minus 0.50% pa
Minus 1.50% pa
Minus 3.00% pa
|
|
Term Saver early withdrawal penalty
interest
......Redemption
in the first 3 months
......Redemption
after 3 months but
......before
maturity |
No interest paid
Previous months
interest not paid
|
Tourist invitation - Ukraine
......Single
entry 1 month (per person)
......Double
entry 3 months (per person)
......Cancellation
(if processed) |
$150.00 ea
$175.00 ea
$050.00
ea |
top
Foreign Exchange Services
|
Cash,
travellers cheques or travel money |
1% (min $10) |
|
Deposit foreign
cheque |
$20.00 |
|
Draft |
$20.00 |
|
Money
transfer |
POA |
|
Telegraphic
transfer |
$30.00 |
