Saving and investing
- Bonus Saver account
- eSave online account
- Christmas savings account
- Cash management account
- Term deposits
- Zest - Over 50s program
- Youth programs
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Investing in your future
To help you plan for your future, QTCU offers a range of tailored investment accounts. Each is designed to suit your different needs, with a choice of terms and interest payment options.
Savings accounts
Bonus Saver
The Bonus Saver Account offers a bonus rate of interest for every month you make at least one deposit1 and no withdrawals. It provides the extra incentive to stick to your savings plan. 1.A minimum deposit of $1.00 is required per calendar month. Find out more.
eSave Account*
The eSave Account offers a great interest rate of 4.65%# p.a. on balances from $5,000. [Read more]
Cash Management Account*
Invest $5000 or more and earn a high rate of interest while your money remains at call. Interest is calculated on daily balances and paid monthly to your nominated Credit Union account. Download an application form.
Christmas Savings*
Earn your own Christmas bonus with regular deposits.
Investment Accounts
Tailored investment accounts to suit your needs, with a choice of terms and interest payment options.
Term Deposits*†
The Credit Union offers short and long term deposits with competitive interest rates. Minimum deposit from $1,000 with terms of one month to three years. Interest calculated on daily balances and paid at nominated intervals or on maturity. Download an application form.
Gold Note*†
The Gold Note is an individual deposit of $1,000 offering flexible investment benefits with high returns. Your interest rate is guaranteed for the first 3 months when it will then revert to the prevailing Gold Note rate. Your deposit is at call but may require 7 days notice for redemption. Interest calculated on daily balances and credited to your Credit Union savings account quarterly and on redemption. Download an application form.
Pensioner Deeming Savings Account*
For members receiving an eligible pension, this account enables you to maximise your interest earnings, in line with Government deeming rates, while keeping your funds at call. Interest calculated daily on a stepped basis and paid quarterly.
Zest Financial and Lifestyle Program*
The Zest Financial and Lifestyle program is available to all QTCU members aged over 50 for a low annual fee of $20. As a Zest member you will receive access to exclusive benefits which are designed to help save you money across various aspects of your life. Click here for more details.
If we haven't answered all your questions on this website, please contact us so one of our friendly consultants can help you out.
Simply call us on 13 29 30 between 8.30am-7.00pm Monday to Friday, pop into one of our branches, or take an easy next step by completing a quick form and have us call you back.
†If you require access to funds during the agreed term of the deposit a 7 day notice period may apply.
#Applicable on balances of $5,000 or over. Interest is calculated on daily balances and paid monthly. The rate applies to the whole balance. No interest is payable on amounts below $5,000.
*A Product Disclosure Statement (PDS) is available for this product and you should read the PDS before making any decisions about the product. As this advice has been prepared without considering your objectives, financial situation or needs, you should, before acting on this advice, consider its appropriateness to your circumstances.