Goal Saver
A savings account that earns you bonus interest when you make at least one deposit of $50 each month, maintain a credit balance and make no withdrawals.
On this page
Details
| Field | Value |
|---|---|
| Base | 0.05% |
| Ongoing | 4.35% |
| Ongoing cap | $7M |
| Intro | - |
| Intro cap | - |
| Intro period | - |
| Dep/mth | 1 |
| Dep $/mth | $50 |
| Growth/mth | $0 |
| Buys/mth | 0 |
| Txns/mth | - |
| W/d/mth | 0 |
| Min age | 16 |
| Max age | - |
| Fee/mth | $0 |
Source: noren.com.au
Interest rates & fees
| Type | Rate | Applies to | Balance |
|---|---|---|---|
| Base rate component | 0.05% | This band only | First $7m |
| Base rate component | 0.00% | This band only | Over $7m |
| Ongoing total, conditions met | 4.35% | This band only | First $7m |
| Ongoing total, conditions met | 0.00% | This band only | Over $7m |
Source: noren.com.au
This band only: the rate applies to the money within the listed balance range. Other portions earn their own rates.
Bonus requirements
For Goal Saver, meet these requirements to earn the ongoing total rate shown above.
- Variable interest calculated daily. No minimum opening deposit or separate introductory offer. $0 ordinary monthly account fee, service, inactivity and dormancy charges may apply under the current schedule.
- Make at least one deposit of $50 or more by 6pm AEST/AEDT on the last day of the month. Several smaller deposits totalling $50 do not satisfy the signed Summary of Accounts, its specific single-deposit rule and the product page govern the TMD’s looser total-deposit wording.
- Keep the account in credit throughout the month, including intraday and any balance carried forward, and make no withdrawals or outgoing transfers. No separate balance-growth or purchase requirement. Otherwise the ordinary base rate applies.
- The CDR repeats bonus qualifications on the base components. The provider explicitly pays the standard rate when bonus conditions are missed, only interpreted arithmetic is corrected. Base and bonus are paid monthly on eligible portions through $7 million, excess portions earn nil.
- No debit card or direct debits. Staff-assisted services can incur fees. A $2 monthly inactive-account fee can apply after one year without account transactions, a separate $20 annual membership dormancy fee can apply after one year without membership transactions.
- Current Goal Saver pricing ends before the announced 1 November 2026 bonus-rate increase. Collect and review effective rates before approving pricing beyond that date.
Qualification timing: Requirements are assessed in the current month. Check the settlement deadlines and exclusions in the requirements.
Fees
| Fee | Amount | Details |
|---|---|---|
| Monthly account fee | $0 | Monthly account fee. |
Source: noren.com.au
Showing reviewed fees only, other charges may apply
Rate history
| Observed | Base | Ongoing | Intro |
|---|---|---|---|
| 29 Oct 2026 | 0.05% | 4.35% | - |
Source: noren.com.au
Eligibility
- Reviewed personal AUD savings scenario. Community First Bank membership, subscription for a member share and identity checks are required. The CommFCU source is separate from the Easy Street brand despite the shared issuer.
- The current Goal Saver TMD targets members aged 16+. The Summary of Accounts says all members, younger scenarios are not approved by this review.
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 31 Oct 2026. Pricing verified on 28 Oct 2026.