Savings and Investments

Encompass Credit Union has a range of personal transaction and saving accounts that can be tailored to your individual needs. Whether you are looking for a fixed term deposit or day-to-day access over the counter, via the Internet or telephone or via the convenience of EFTPOS and ATM, we have accounts to meet your needs. Encompass Credit Union has a low fee policy which enables you to transact on these accounts and avoid fees.

Access Plus Account (S1)

Our Access Plus Account is an everyday account with access to your money 24 hours a day through our wide range of access facilities.

Budget Savings Account (S2)

The Budget Savings is perfect account for setting aside funds for those regular payments such as, mobile/home telephone account or Gas, Electricity, Land and Water Rates.

Cash Management Account (S6)

This account is great if you require 24 hour access to your funds but do not need a cheque book or debit card. We pass on the cost savings to you by offering a much higher rate of interest.

Christmas Club Account (S8)

A Christmas Club Account is a great way to save for Christmas. With a high rate of interest and access to your funds from November 1 to January 31.

Deeming Account (S10)

This is a high interest, full access account only for those members who are receiving Department, Social Security or Veterans' Affairs payments. 

Emoney Account (S30)

The Emoney Account gives you 24 hour access to your funds via Internet and Ready Phone while still earning an excellent interest rate.

Home Loan Offset Account

The Home Loan Offset has been designed to reduce the interest paid on your home loan. It can also help to reduce the taxable income from interest earned on your savings.

Online Share Trading

Encompass Credit Union has teamed up with E*TRADE to bring you an award winning broking service.

 

Term Investments

Looking for an excellent return on your investment and don't require immediate access to your funds? Take a look at our competitive term investments.

Union Account (S3)

This account is a separate account to your Access Savings Account. It is only to be used to pay your union fees by direct debit.

More Information

• Need answers? Check out our Savings and Term Investment FAQs
• Learn more about accessing your funds
• Read our budgeting tips

Questions?

If you have any questions, please contact us