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Our Disclosure Statements contain important information about the terms and conditions, fees and charges, transaction limits etc that apply to accounts or access facilities.
You should retain the relevant document or documents for future reference, as the information will also apply to new accounts you obtain, or facilities for accessing these accounts.
For your easy reference here are the relevant documents (click on the links below to access the relevant disclosure document).
If you have any difficulty downloading any of the above, please contact us 
Note: these documents are provided in .pdf format and require version, 4.0 (or later) of Adobe Reader. You can download Adobe Reader by clicking on the "Get Adobe Reader" button below.
In October 2008 the Federal Government introduced a temporary deposit guarantee capped at $1 million per person.
Despite economists’ predictions for another rate cut the Reserve Bank have today decided to keep rates at 4.25.
Results from the Encompass Credit Union 2011 Online Survey.