BCU Golden Account Summary
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Description
A transaction account for customers aged 55 and over, with easy access to funds and variable stepped interest.
Benefits
- No monthly savings-account fee.
- No monthly activity requirements for the ongoing rate.
Hoops
- Applicants must be at least 55.
- Ongoing rate cap: $10,000. See the rate breakdown for higher balances.
On this page
Details
Key details
| Product name | BCU Golden Account |
|---|---|
| Maximum variable rate | 0.30% p.a. |
| Ongoing interest rate | 0.30% p.a. |
| Base interest rate | 0.30% p.a. |
| Minimum age | 55 years |
Source: noren.com.au
All comparison details
| Base | 0.30% |
|---|---|
| Ongoing | 0.30% |
| Ongoing cap | $10K |
| Intro | - |
| Intro cap | - |
| Intro period | - |
| Dep/mth | 0 |
| Dep $/mth | - |
| Growth/mth | $0 |
| Buys/mth | 0 |
| Txns/mth | - |
| W/d/mth | - |
| Min age | 55 |
| 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: 0.30% p.a..
Full rate breakdown
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| Type | Rate | Applies to | Balance |
|---|---|---|---|
| Standard variable | 0.30% | This band only | First $10k |
| Standard variable | 1.85% | This band only | Over $10k to $50k |
| Standard variable | 2.35% | This band only | Over $50k to $100k |
| Standard variable | 2.70% | This band only | Over $100k to $5m |
Source: noren.com.au
Share/Export
This band only: the rate applies to the money within the listed balance range. Other portions earn their own rates.
Requirements
- No monthly deposit, growth, purchase or withdrawal-count qualification. Interest is calculated daily, stepped tiers apply to each portion of the balance.
- Provider fee independently rechecked 2 November 2026: $0 fixed monthly account-keeping fee, confirmed by current official product/disclosure documents. Transaction, statement, inactivity, separately linked-account and other service/event charges remain separate.
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 55 or over.
- Member must be a natural person rather than another legal entity.
- You must be or become a BCU Bank member
- Customers may hold up to a total of 3 Golden Account accounts under single or joint names.
- 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.
- 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 brings together product information from provider sources. Collection and pricing-check dates are shown separately; check the provider’s current terms before applying. Read how Noren collects and checks information and our data freshness policy.
Collected and verified on 1 Nov 2026.