BCU Boss Saver Summary
Description
Want a savings account to deposit and hold or withdraw money for personal use without being penalised? A savings account that earns you additional bonus interest when the monthly bonus interest criteria is met each month.
Benefits
- No monthly savings-account fee.
Hoops
- Applicants must be at least 18.
- For bonus interest, deposit at least $500 each month, make at least 5 qualifying purchases each month. Check the full requirements below.
- Ongoing rate cap: $100,000. See the rate breakdown for higher balances.
On this page
Details
Key details
| Product name | BCU Boss Saver |
|---|---|
| Maximum variable rate | 5.25% p.a. |
| Ongoing interest rate | 5.25% p.a. |
| Base interest rate | 0.20% p.a. |
| Minimum age | 18 years |
Source: noren.com.au
All comparison details
| Base | 0.20% |
|---|---|
| Ongoing | 5.25% |
| Ongoing cap | $100K |
| Intro | - |
| Intro cap | - |
| Intro period | - |
| Dep/mth | 1 |
| Dep $/mth | $500 |
| Growth/mth | $0 |
| Buys/mth | 5 |
| Txns/mth | - |
| W/d/mth | - |
| Min age | 18 |
| Max age | - |
| Fee/mth | $0 |
Source: noren.com.au
Rates & features
Interest rates
Variable rates % p.a. at $699, assuming applicable bonus conditions are met.
- Base: 0.20% p.a., before bonus interest.
- Ongoing: 5.25% p.a. when bonus conditions are met. Up to $100k.
Full rate breakdown
| Type | Rate | Applies to | Balance |
|---|---|---|---|
| Base rate component | 0.20% | Whole balance | Up to $5m |
| Bonus addition, conditions met | 5.05% | This band only | First $100k |
| Bonus addition, conditions met | 0.00% | This band only | Over $100k to $5m |
Source: noren.com.au
Share/Export
Additions are added to the base or ongoing rate. Total rates already include their components.
This band only: the rate applies to the money within the listed balance range. Other portions earn their own rates.
Requirements
- Deposit at least $500 from an eligible external source into an eligible linked transaction account and make five settled eligible Visa Debit purchases each calendar month. Cash deposits, internal transfers, ATM activity, direct debits, BPAY, Bank@Post and pending transactions do not qualify as specified in the terms. Bonus applies to the first $100,000, excess earns base.
- Provider fee review 29 October 2026: this savings account has no monthly account-keeping fee. This does not waive transaction, statement, special-service or separately linked-account charges, their published conditions still apply.
- Qualification timing: Requirements are assessed in the current month. Check the settlement deadlines and exclusions in the requirements.
Fees
- Monthly account fee: $0
Showing reviewed fees only, other charges may apply
How to apply
Check these eligibility requirements before applying with BCU.
- Age 18 or over.
- Member must be a natural person rather than another legal entity.
- You must be or become a BCU Bank member
- You must be an Australian citizen and/or resident or a non-resident with a qualifying visa evidencing 12 months or longer residency. A valid Australian address is required to open an account. Membership eligibility applies.
- One savings account per customer. The linked eligible transaction account must meet primary-member and Visa access rules, both accounts must be open and linked at month end. Linking can take five business days, only transactions after linking count.
- The linked BCU Access Account may be held in a single name or jointly.
- Personal account only. Maximum account balance $5m. Membership and residency requirements apply, see provider terms for child/joint signing rules.
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Sources & review
Noren aggregates information from multiple primary sources to ensure you're getting the most up-to-date, accurate information. All product information is peer reviewed.
Collected on 31 Oct 2026. Pricing verified on 27 Oct 2026.