South West Slopes Credit Union offers a variety of account types to suit your needs. All your accounts are linked to your Member Number so you do not need to remember lots of different account numbers. When you join South West Slopes Credit Union you become a member / owner of your Credit Union and you will be asked to purchase one full share @ $10.00.

Junior members purchase 20% of the full subscription price being $2.00. (The full share subscription of $10 is payable when a junior member turns 18 years of age.)

The following facilities are available on most of our savings account types.

Account Access and Facilities

• Cheque Facility
• Redicard through EFTPOS and ATM
• Telephone Banking
• Internet Banking
• B-Pay
• E-Pay
• Counter Cheques
• Whole of Pay / Direct Credits
• Budgets / regular payments
• Direct Debits
• Periodical Payment

Savings Accounts: include everyday savings, special purpose or all-in-one style accounts. Furthermore we offer the very popular "Christmas Club" Account and a "7 Day notice" account. Both of these pay higher interest than your standard savings account.

There are special accounts for young people. First of all we offer a 'super saver' account for children up to 12 years of age and a teenagers savings account. Junior account holders receive a cool newsletter and birthday gift vouchers on top of many other great features.

Account types available:

010 S General Savings / or All in one style account
020 S General Savings account
030 S Special Purpose Savings
040 S Budget Account
050 S Christmas Club Account
060 S BU Teenagers Savings Account
070 S 7 Day Notice Account 080 S Super Saver Account 090 S Superannuation Fund Account

Savings Accounts

South West Slopes Credit Union offers all-in-one style / 01 S accounts that provide
- members with a competitive rate of interest
- ATM and EFTPOS access to member's funds
- The option of a cheque book attached to the account
- The option of a debit card (Redicard) attached to the account
- An overdraft facility by arrangement with us
- No minimum balance required
- Interest paid annually
- A very low fee structure in line with our principle of mutuality
or you can choose to have a special purpose account for your rent for example
or to pay
other regular bills or save for a holiday. We do not charge account keeping fees.

Super Saver Accounts We think it is important for children to learn the value of saving. We offer this special Savings account with a generous interest rate paid on all your savings, no Government Charges and no account keeping fees to encourage young Children to achieve their financial goals - no matter how big or small ! If you have children or grandchildren who you think would benefit from having a super saver account, please contact your branch today. (for children from birth to 12 years of age, free money boxes and cards on their birthdays). Also please visit www.cu.net.au/kids/index.htm

BU Teenagers Savings Account 060 S The BU Teenager savings account type was designed for teenagers from 13 to 18 years of age. A generous interest rate is paid on all your savings and again no Government charges or account keeping fees apply. All total freedom account receive a Free 'BU Teenager Account Newsletter' and 'Birthday Gift Voucher'.

7 Day Notice 070 S The 7 Day Notice account is a cash management type account. A generous interest rate is paid on all your savings. 7 days notice are required, however to withdraw any funds.

Christmas Club 050 S Helps you save money for the Christmas spending. Savings are available from December 1st when funds are transferred to your general savings account. A generous interest is paid on your savings.

Account Access
You can access your savings accounts with us in numerous ways:

Cheque Book: Credit Union personal cheque books give you the convenience of paying by cheque. Linked to a member's savings account, it provides immediate access to your savings and is a convenient alternative to using cash, credit cards or counter cheques.

Redicard : Members can use their credit union debit card, known as a redicard, in one of the largest ATM networks in the nation. The network has approximately 9,500 machines and includes nearly all ATM's in Australia. Redicards are also welcome in 230,000 EFTPOS machines at retailers throughout Australia.

Telephone Banking: Members can access our 24-hour phone service by phoning South West Slopes Credit Union 1300 654 2555 and obtain account balances, details on the last 10 transactions and transfer funds between selected accounts and bill payment through Bpay.

Internet Banking: Members can access the Internet banking facility from around the World 24 hours a day. Apart from accessing all the usual information about your accounts with us or transacting in some way, you can even apply for a loan online!

Bpay: Members can access the Bpay facility and enables you to pay bills over the phone, saves time and avoids the inconvenience of paying bills in person. This includes many of your utility, council rates and other bills. Depending upon the biller, you can even use your credit card for payment. Phone 1300 654 255

E-Pay: Members can access the electronic payments system by simply phoning one of our branches and advise staff of the payment details or make use of our internet banking facility and arrange for the payment yourself. Just remember all the necessary details like BSB, Account No., References etc.

Counter Cheques: Counter cheques are commonly known as bank cheques. South West Slopes Credit Union provides counter cheques free of charge. The cheque is paid for on purchase. Counter cheques are therefore a very secure way of paying for those "big" purchases. Sometimes you may be asked to pay by "bank cheque only" when buying a vehicle for example.

Whole of Pay Direct Credits: You can nominate your credit union savings account to your employer for direct credit of wages rather than receiving cash or cheque. Your pay can be deposited electronically that way.

Budgets Regular Bill Payment: South West Slopes Credit Union provides this great service where any of your regular bills are paid when due. You will not have to worry about a thing. All free of charge! Payments can be made at regular intervals for a set amount.

Direct Debits: You can arrange for payments to be taken from your account automatically by signing a Direct Debit Authority with the supplier. Ensure you are fully aware of the commitment you are entering into, before signing any direct debits authority. Always ensure there are sufficient funds held in your account to meet these payments each time they fall due.

Term Deposits: Term deposits are an attractive option for members looking for a stable and sensible way of investing their funds. While the share market and other forms of investment may offer higher returns they are also subject to greater levels of risk. Credit union term deposits ensure that the original funds invested are returned with interest. Varying terms and interest rates make credit union term deposits attractive investments. Term Deposit terms currently on offer are 3, 6 , 9 or 12 months. A minimum of $500 applies but there are no other conditions or charges. A generous rate of interest is paid on your savings.