GMCU Christmas Saver Summary
Description
The Christmas Saver account allows you to save for Christmas throughout the year.
Benefits
- No monthly savings-account fee.
- No monthly activity requirements for the ongoing rate.
- No upper balance cap in the reviewed ongoing pricing.
Hoops
- Check the provider’s eligibility, linked-account terms and other service charges.
On this page
Details
Key details
| Product name | GMCU Christmas Saver |
|---|---|
| Maximum variable rate | 1.10% p.a. |
| Ongoing interest rate | 1.10% p.a. |
| Base interest rate | 1.10% p.a. |
| Minimum age | - |
Source: noren.com.au
All comparison details
| Base | 1.10% |
|---|---|
| Ongoing | 1.10% |
| Ongoing cap | No cap |
| Intro | - |
| Intro cap | - |
| Intro period | - |
| Dep/mth | 0 |
| Dep $/mth | - |
| Growth/mth | $0 |
| Buys/mth | 0 |
| Txns/mth | - |
| W/d/mth | - |
| 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: 1.10% p.a..
Full rate breakdown
| Type | Rate | Applies to | Balance |
|---|---|---|---|
| Standard variable | 1.10% | Whole balance | All balances |
Source: noren.com.au
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Requirements
- No introductory offer is established by the current rate sheet. Other transaction and service charges apply, free electronic withdrawals do not establish a zero monthly account fee.
- Daily calculation, interest credited annually on 15 November. Choose transfer to a nominated GMCU account or retain the balance and withdraw through Internet Banking from 15 November to 31 December. No monthly deposit, growth or purchase test. Ordinary access is seasonal, the generic at-call feature is not unrestricted year-round access.
- Full provider review 31 October 2026 confirms: $0 fixed monthly account-keeping charge for this savings account, based on both pages of the complete current GMCU Schedule of Fees & Charges (1 August 2026), read with the governing conditions and account summary. The conditions refer current charges to this schedule, it lists transaction and event charges but no fixed monthly account-keeping charge for S4/S5/S10. This is a documented interpretation of the complete tariff, not an explicit product-page zero-fee quotation or an inference from empty CDR fees. The monthly transaction allowance is not the account fee. $4 branch withdrawals (Christmas seasonal exemption), annual $20 inactivity and other applicable service/event charges remain separate. Original approval expiry remains unchanged.
Fees
- Monthly account fee: $0
Showing reviewed fees only, other charges may apply
How to apply
Check these eligibility requirements before applying with GMCU.
- Individual applicants only
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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 30 Oct 2026.