Golden
An at-call account for eligible pension recipients and retirees, with stepped interest based on the minimum monthly balance.
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Details
| Field | Value |
|---|---|
| Base | 1.30% |
| Ongoing | 1.30% |
| Ongoing cap | $25K |
| Intro | - |
| Intro cap | - |
| Intro period | - |
| Dep/mth | - |
| Dep $/mth | - |
| Growth/mth | - |
| Buys/mth | - |
| Txns/mth | - |
| W/d/mth | - |
| Min age | - |
| Max age | - |
| Fee/mth | - |
Source: noren.com.au
Interest rates & fees
| Type | Rate | Applies to | Balance |
|---|---|---|---|
| Standard variable | 1.30% | This band only | First $25k |
| Standard variable | 1.95% | This band only | Over $25k |
Source: noren.com.au
This band only: the rate applies to the money within the listed balance range. Other portions earn their own rates.
Rate requirements
For Golden.
- Interest is calculated on the minimum monthly balance and paid quarterly in March, June, September and December.
- Pricing is reviewed for comparison balances of $1 or more. For minimum-monthly-balance products, the comparison assumes that amount is the minimum balance maintained during the month, a lower minimum changes the interest earned.
- No monthly deposit-count, qualifying deposit-dollar, growth or purchase interest test is established. No introductory offer is established. Transaction allowances and access restrictions are separate from interest qualification.
- A separate unconditional monthly account-keeping fee is unverified. The fee column remains unknown rather than zero. Paper statements cost $2.50 each under the current tariff, with online statements and statements for children under 16 free. Separate transaction, service or dormant-account charges may apply.
- Rates apply separately to balance portions, with the first $25,000 at the lower rate and the excess at the higher rate. The comparison is balance-weighted.
- Funds are at call, with card, internet banking and app access. Withdrawals can reduce the minimum monthly balance used for interest.
- The tariff lists a $2 monthly Visa fee per card, waived for members with a relationship balance of at least $50,000 and certain exempt members. This conditional per-card charge is separate from an unknown monthly account-keeping fee. Transaction allowances depend on membership relationship balances and applicable exemptions.
Fees
| Fee | Amount | Details |
|---|---|---|
| No reviewed fees available. | ||
Source: noren.com.au
Showing reviewed fees only, other charges may apply
Rate history
| Observed | Base | Ongoing | Intro |
|---|---|---|---|
| 31 Oct 2026 | 1.30% | 1.30% | - |
Source: noren.com.au
Eligibility
- CWCU membership and identity checks are required. Membership requires a $10 member share, returned when the share is redeemed and the membership closed. No universal numeric minimum or maximum age is established for this reviewed product.
- The source specifies Australian residents only.
- Only available to members receiving Centrelink age or disability pensions, or retirees. No fixed age such as 65 is inferred from this eligibility.
Similar products
Tools & support
Things you should know
- Check withdrawal access, linked-account requirements and transaction timing with the provider.
- Introductory and ongoing offers may have different eligibility and balance limits.
Collected on 30 Oct 2026. Pricing verified on 29 Oct 2026.