Cairns Bank Christmas Saver Summary
Description
A Christmas savings account with annual interest and normal access in November and December.
Benefits
- No monthly savings-account fee.
- No monthly activity requirements for the ongoing rate.
Hoops
- Ongoing rate cap: $10,000. See the rate breakdown for higher balances.
On this page
Details
Key details
| Product name | Cairns Bank Christmas Saver |
|---|---|
| Maximum variable rate | 2.25% p.a. |
| Ongoing interest rate | 2.25% p.a. |
| Base interest rate | 2.25% p.a. |
| Minimum age | - |
Source: noren.com.au
All comparison details
| Base | 2.25% |
|---|---|
| Ongoing | 2.25% |
| Ongoing cap | $10K |
| Intro | - |
| Intro cap | - |
| Intro period | - |
| Dep/mth | 0 |
| Dep $/mth | - |
| Growth/mth | $0 |
| Buys/mth | 0 |
| Txns/mth | - |
| W/d/mth | 0 |
| Min age | - |
| 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: 2.25% p.a..
Full rate breakdown
| Type | Rate | Applies to | Balance |
|---|---|---|---|
| Standard variable | 2.25% | Whole balance | Up to $10k |
| Rates unverified | - | - | Over $10k |
Source: noren.com.au
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Requirements
- No monthly account-keeping fee. Separate transaction, service or out-of-season access fees may apply. No recurring monthly deposit, balance-growth, purchase or withdrawal-count interest qualification, and no introductory offer.
- Reviewed pricing uses the matching current main product rate tables, central rate page and CDR rates. FAQ copy still quotes older rates and is not used for arithmetic, provider source changes require review.
- Only one Christmas Saver per member. Normal access is 1 November to 31 December. Outside that period access requires provider approval, the fee schedule allows one approved hardship withdrawal free per year and charges $10 for additional withdrawals.
- Pricing is verified through $10,000. The product table quotes zero above $10,000 and the terms limit interest, but they do not clearly establish whether excess loses interest or the entire balance does. Higher balances are withheld pending clarification, not assumed to be a holding limit or zero interest.
Fees
- Monthly account fee: $0
Showing reviewed fees only, other charges may apply
How to apply
Check these eligibility requirements before applying with Cairns Bank.
- Cairns Bank membership and identity checks apply. Account opening is in branch. Adult membership requires a refundable $1 share subscription, members under 18 do not need to buy shares. The share is separate from monthly fees.
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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 29 Oct 2026.