LCU eSaver Summary
Description
An at-call online savings account with whole-balance variable interest tiers and interest paid twice yearly.
Benefits
- No monthly savings-account fee.
- No monthly activity requirements for the ongoing rate.
Hoops
- Applicants must be at least 8.
- Ongoing rate cap: $999.99. See the rate breakdown for higher balances.
On this page
Details
Key details
| Product name | LCU eSaver |
|---|---|
| Maximum variable rate | 0.00% p.a. |
| Ongoing interest rate | 0.00% p.a. |
| Base interest rate | 0.00% p.a. |
| Minimum age | 8 years |
Source: noren.com.au
All comparison details
| Base | 0.00% |
|---|---|
| Ongoing | 0.00% |
| Ongoing cap | $1K |
| Intro | - |
| Intro cap | - |
| Intro period | - |
| Dep/mth | - |
| Dep $/mth | - |
| Growth/mth | - |
| Buys/mth | - |
| Txns/mth | - |
| W/d/mth | - |
| Min age | 8 |
| 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: 0.00% p.a..
Full rate breakdown
| Type | Rate | Applies to | Balance |
|---|---|---|---|
| Standard variable | 0.00% | Whole balance | $1 to $999.99 |
| Standard variable | 1.00% | Whole balance | $1k and over |
Source: noren.com.au
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Requirements
- Interest is calculated daily and credited on the last day of June and December.
- No monthly deposit-count, qualifying deposit-dollar, balance-growth, purchase or withdrawal-count interest requirement. No introductory offer. Pricing is reviewed for comparison balances of $1 or more.
- No account-keeping, monthly or annual fees. Separate service and transaction charges may apply. Membership requires a $10 share, refunded when membership is closed.
- The applicable tier rate applies to the whole daily balance, with no interest below $1,000 and the higher rate from $1,000. No upper rate cap is specified.
- Funds are available at call through internet banking, the mobile app and staff-assisted phone or branch payments. Direct credits, direct debits, BPAY, PayID and Osko are listed. There is no linked debit-card access for eSaver.
Fees
- Monthly account fee: $0
Showing reviewed fees only, other charges may apply
How to apply
Check these eligibility requirements before applying with LCU.
- LCU membership and identity checks are required. Its CDR membership criteria specify age 8 or older and referral by an existing member who is a family member or friend. Alternative eligibility includes living or working in greater Ryde, an association with Riverside Corporate or Macquarie Park, or work in a STEM industry. Confirm your membership eligibility with LCU.
- Non-residents must complete a Tax Residency Declaration. This comparison covers personal savings use.
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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.