Central West Credit Union S4 Christmas Club Account

savings accountchristmas clubstaleterms checked

S4 Christmas Club Account is a savings account from Central West Credit Union. It pays 1.90% p.a. with no bonus conditions.

Rate tiers

Every balance band in the bank's feed: base is the rate the bank pays.

One rate on every balance, with no upper limit.

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
• a Christmas club account: withdrawals are restricted for most of the year
• you must first become a member by buying a $10 member share (refunded if you redeem it)
• withdrawals are only allowed from 1 November to the last day of February; outside that window a fee of $10 applies per withdrawal

Features

app

yes

transactions

unlimited

Other features, in the bank's words:

• Withdrawal period between 1 November and the last day of February of the following year. We may allow early withdrawals in our absolute discretion. Fees may be charged.
• Card access is not avialable on this product

Fees, limits and who can open it

monthly fee

no monthly fee stated

interest paid

annually

open to

personal customers

christmas club

a Christmas club account: withdrawals are restricted for most of the year

Who can open it, in the bank's own words:

• residency: Australian Residents only

About this account

Take the pressure out of the most expensive time of year.

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.
• We read the bank's own page and terms against this page on 1 November 2026: other-savings-accounts, deposit-interest-rates, www.cwcu.com.au, www.cwcu.com.au, Account-Access-Facility-1st-June-2024.pdf, conditions-of-use, fees-and-charges; conditions they state and its feed does not are listed above.
• /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
• 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
• S12 Smartstale transaction account, 2.20% 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.