Central West Credit Union S12 Smart
transaction accountstale
S12 Smart is a transaction account from Central West Credit Union. At $50,000 it pays 2.20% p.a. with no bonus conditions.
Not ranked: a transaction (everyday) account, not a savings account.
Rate tiers
Every balance band in the bank's feed: base is the rate the bank pays.
| Balance | Base |
|---|---|
| $0 – $4,999.99 | 1.25% |
| $5,000 – $9,999.99 | 1.30% |
| $10,000 – $24,999.99 | 1.40% |
| $25,000 – $49,999.99 | 1.45% |
| $50,000+ | 2.20% |
Each rate is paid on the whole balance: the balance falls into one band and earns that band's rate.
Conditions
- not updated by the bank since 2026-11-01, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed
Features
- card
- yes
- app
- yes
- transactions
- unlimited
- wallets
- Apple, Samsung & Google pay
Other features, in the bank's words:
- Funds at call
Fees, limits and who can open it
- monthly fee
- no monthly fee stated
- interest paid
- monthly
- interest calculated
- daily
- age
- ages 18 and over
- open to
- personal customers
Who can open it, in the bank's own words:
- residency: Australian Residences only
- Must have a Smart or Premium Smart Home Loan
About this account
For customers who have a Smart or Premium Smart Variable Rate Home Loan who require a transaction fee free account with the option of a overdraft account
Data
- Central West Credit Union's own page for this account.
- The bank's documents its product record links to: terms and conditions, fees, eligibility.
- Our verbatim snapshot of the bank's product record (source), as fetched on 31 October 2026.
/au/finance/savings-accounts/v1/brands/central-west-cul.json: this bank's accounts and every balance band as JSON; Central West Credit Union's page lists them.- The bank last updated this record on 1 November 2026. Rates are per annum as the bank states them; "stale" means the bank has not updated the record for over 60 days or since the latest cash rate change.
Other accounts at Central West Credit Union
- Investment Savingsstale savings account, 2.10% base at $50,000
- No 2 Deposit Accountstale savings account, 0.05% base at $50,000
- S4 Christmas Club Accountstale savings account, 1.90% base at $50,000
- S6 Golden Accountstale savings account, 1.62% base at $50,000
- S8 E Access Saver Accountstale savings account, 2.25% base at $50,000
- S10 Cash Management Accountstale cash management account, 2.20% base at $50,000
- S1 On Call Accountstale transaction account, 0.05% base at $50,000
- S2 Budget Savings Accountstale transaction account, 0.05% base at $50,000
- S5 Community Proud Accountstale transaction account, 2.20% base at $50,000
- S7 Whole of Pay Accountstale transaction account, 0.05% base at $50,000
- S90 Business Smartstale transaction account, 1.75% base at $50,000
All of Central West Credit Union's accounts on its page, with its best rates per segment and rate kind, and every account at every bank.
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