Savings & Investments | Enquire online

G&C Mutual Bank has a range of savings accounts and term deposits to help you spend or save, the way you want. Understanding how you want to use your money will help you to decide the account that is right for you.

Term Deposits

If you have a longer term goal and can resist the temptation of dipping into your funds, consider a term deposit.

Start saving today with as little as $1,000
Option to have interest paid monthly, annually or at maturity
Terms from 30 days up to 5 years

4.95%p.a. Interest rate

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iNet Saver

An online account designed to help keep your savings separate from your everyday transaction account.

Access your funds 24 hours a day, 7 days a week
Convenient access via Mobile App and Online Banking anywhere, anytime
Interest is calculated daily and paid monthly

4.25%p.a. Interest rate

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Bonus Saver

Save for something special and earn interest on your account.

Earn base interest plus bonus interest on eligible accounts
$100 minimum to be deposited into the account each calendar month
No minimum balance required

4.65%p.a. Interest rate

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Pensioner Plus Account

A transaction account designed to help pensioners, 55 years or older, make the most of their money with tiered interest rates.

Higher interest rate paid on your balance
Access your funds 24 hours a day, 7 days a week
Interest calculated daily on the portion of the balance in each tier at the applicable interest rate and paid monthly

4.00%p.a. Interest rate

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Cash Management

A savings account designed to help you reach your savings goals with tiered interest rates.

The higher your balance, the more interest you could earn
Funds available at call 7 days after deposit
Interest is calculated daily on the portion of the balance in each tier at the applicable interest rate and paid monthly

4.60%p.a. Interest rate

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SMSF Account

A savings account designed to help you save for retirement and offers greater control over how you invest your superannuation.

Earn higher interest specifically designed for self-managed superannuation funds
No minimum balance required
Online Banking and Mobile App access available

4.65%p.a. Interest rate

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Access Account

A simple, no hassle, everyday transaction account with a range of features and benefits designed to make your everyday banking a little easier.

Access your funds 24 hours a day, 7 days a week
Convenient access via Mobile App and Online Banking anywhere, anytime
Link to a Visa Debit card or PayID for easier payments

0.00%p.a. Interest rate

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Reward Me Saver

A savings account that combines the ability to earn interest with the flexibility of an everyday access account where funds are available at call.

Interest paid monthly on balance of $20,000 and above
Flexible access to your funds 24 hours a day, 7 days a week
Link to a Visa Debit card or PayID for easier payments

2.75%p.a. Interest rate

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Christmas Saver Account

Our Christmas Saver Account helps you put aside money, making saving for the festive season even easier.

Be financially prepared for gift giving and end of year festivities
Set up direct credits from your payroll
Lock your money away from temptation

0.75%p.a. Interest rate

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Mortgage Offset Account

An everyday transaction account that’s linked to your home loan.

Reduces the interest on your home loan
Account can be linked to a Visa Debit card
At call access to your funds 24 hours a day, 7 days a week

0.00%p.a. Interest rate

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BusiAccess Account

A simple, no hassle, everyday transaction account with a range of features and benefits designed to make your business banking a little easier.

Easy access to your funds 24/7
Convenient access via App or Online Banking
Online Banking with two-factor authentication

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Optional Overdraft facility available to provide you with a safety net of extra funds.

The Australian Government's Financial Claims Scheme (FCS) protects people's deposits in the unlikely event that a bank, building society or credit union fails. It only covers banking institutions that are incorporated in Australia, and has been known as the Australian Government deposit guarantee.

Tools like our Budget Planner and Savings Plan Simulator can help you understand the impact that changing a few small spending habits can have on your finances.

Activate your card

To activate your card online, log onto Online Banking and visit the 'Services' section or call G&C Mutual Bank on 1300 364 400.

For lost, stolen or captured cards

Call G&C Mutual Bank on 1300 364 400, 24 hours a day, 7 days a week.

For overseas assistance, call us on +61 2 9307 5400 or contact Visa Global Customer Assistance +1 303 967 1090 (international) or the VISA International Hotline specific to the country you are in.

Travelling Overseas

Contact us before you travel overseas so we can monitor your account more closely. You will also avoid transactions on your cards being stopped by us when we detect overseas purchases.

Additional Information

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Footnotes:

¹ These rates apply to retail deposits only. Where funds are withdrawn from a term deposit account prior to maturity, a reduction to the interest rate will be applied dependent on the time left until maturity. For more details please refer to our Account and Access Facilities Terms and Conditions. For terms outside of the advertised rates, call 1300 364 400 or visit your local Service Centre for more details.
² Eligibility criteria, terms & conditions and fees & charges apply.
³ Terms and conditions, fees and charges apply.
⁴ Bonus Saver account pays a base interest rate and subject to eligibility, pays bonus interest rate. Bonus interest will be paid when the following criteria are satisfied: • Deposit a minimum amount of $100 within the calendar month, and • No withdrawals or transfers in the calendar month, and • Account not closed during the calendar month. Only available on new money to G&C Mutual Bank.
⁵ Tiered interest applies.
⁶ Interest is calculated daily on the portion of the balance in each tier at the applicable interest rate and paid monthly. Deposits available at call after 7 days.