CWCU Golden Summary
Description
An at-call account for eligible pension recipients and retirees, with stepped interest based on the minimum monthly balance.
Benefits
- No monthly activity requirements for the ongoing rate.
Hoops
- Ongoing rate cap: $25,000. See the rate breakdown for higher balances.
On this page
Details
Key details
| Product name | CWCU Golden |
|---|---|
| Maximum variable rate | 1.30% p.a. |
| Ongoing interest rate | 1.30% p.a. |
| Base interest rate | 1.30% p.a. |
| Minimum age | - |
Source: noren.com.au
All comparison details
| 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
Rates & features
Interest rates
Variable rates % p.a. at $699, assuming applicable bonus conditions are met.
- Base: 1.30% p.a..
Full rate breakdown
| 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
Share/Export
This band only: the rate applies to the money within the listed balance range. Other portions earn their own rates.
Requirements
- 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
No reviewed fees available.
Showing reviewed fees only, other charges may apply
How to apply
Check these eligibility requirements before applying with CWCU.
- 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.
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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.