Category: Overdrafts Last Updated February 19, 2024 Effective May 3, 2024
General Lending Rates
Rates listed below are for a VARIABLE product. Additional Information
Interest Rate 12.70% PA
Comparison Rate 0.00%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Features
Card Access
Additional Cards
Npp EnabledAdditional Information: Osko by BPAY available
Npp PayidAdditional Information: Osko by BPAY available
Digital Banking
Notifications
Bill Payment
OtherAdditional Information: Our sweep service automatically transfers funds from certain savings accounts to cover most transactions which would otherwise exceed your transasction account's available balance.
Digital Wallet
Product Eligibility
Residency StatusAdditional Information: Individuals must be citizens or permanent residents of Australia.
BusinessAdditional Information: Only a business may apply for the account.
OtherAdditional Information: You will need to become a member of the Credit Union before The Capricornian can accept a loan application.
Bank Fees and Charges
Account Service Fee Business (Periodic), Amount: 10.00.
Cheque Deposits (Transaction), Amount: 0.30.
External Funds Transfer Branch (Transaction), Amount: 3.00.
Bpay Branch (Transaction), Amount: 3.00.
Eftpos Including Declined Transactions (Transaction), Amount: 0.70.
Visa Debit Cash Advance (Transaction), Amount: 0.70.
Commercial Loan And Overdraft Service Fee Under $5000 (Periodic), Amount: 5.00.
Commercial Loan And Overdraft Service Fee $5001 To $100000 (Periodic), Amount: 20.00.
Commercial Loan And Overdraft Service Fee $100,001 To $250,000 (Periodic), Amount: 30.00.
Commercial Loan And Overdraft Service Fee Greater Than $250000 (Periodic), Amount: 50.00.
Establishment Fee Commercial Loans And Overdrafts Under $20000 (Upfront), Amount: 500.00. Additional Information: Excludes solicitors costs in mortgage and security preparation, valuation/s and settlement fees.
Establishment Fee Commercial Loans And Overdrafts $20000 To $100000 (Upfront), Amount: 600.00. Additional Information: Excludes solicitors costs in mortgage and security preparation, valuation/s and settlement fees.
Establishment Fee Commercial Loans And Overdrafts $100001 To $250000 (Upfront), Amount: 800.00. Additional Information: Excludes solicitors costs in mortgage and security preparation, valuation/s and settlement fees.
Establishment Fee Commercial Loans And Overdrafts Greater Than $250000 (Upfront), Amount: 1000.00. Additional Information: Excludes solicitors costs in mortgage and security preparation, valuation/s and settlement fees.
Establishment Fee Temporary Overdraft-commercial And Personal $100-$10000 (Upfront), Amount: 100.00.
Establishment Fee Temporary Overdraft-commercial And Personal Greater Than $10000 (Upfront), Amount: 250.00.
Establishment Fee Commercial Overdraft Topup (Upfront), Amount: 400.00. Additional Information: Excludes solicitors costs in mortgage and security preparation, valuation/s and settlement fees.
