Fire Service Credit Union S20 Retiree Access

savings accountoccupation membershippensionerage limitedstaleterms checked

S20 Retiree Access is a savings account from Fire Service Credit Union. At $50,000 it pays 1.80% p.a. with no bonus conditions.

Rate tiers

Every balance band in the bank's feed as corrected (see Data): base is the rate the bank pays.

The rates are stepped: each band's rate is paid on the part of the balance that falls in it, so a balance across several bands earns a blend of them.

Conditions

• not updated by the bank since 2026-10-15, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed
• open only to pension or allowance recipients
• Membership limited by occupation: To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services (the lender's words)
• natural persons receiving a retirement income only; not joint or business accounts

Features

card

Visa Debit Card

app

yes

Osko

yes

PayID

yes

BPAY

yes

transactions

unlimited

wallets

Mobile Wallet

Fees, limits and who can open it

monthly fee

no monthly fee stated

interest paid

monthly

open to

personal customers

occupation membership

open only to people in certain occupations, or the lender takes members only from them

pensioner

open only to pension or allowance recipients

age limited

open only to people of certain ages (kids, youth or seniors accounts)

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

• To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services.
• pension recipients only: For retired members in receipt of retirement income: All pesnions qualifiy which include Governement and superannuation
• residency: Australian Residents only

About this account

A transaction account designed for retired members offering competitive interest rates.

Data

• Fire Service 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 22 October 2026.
• The rates above correct the bank's product data from its own document, checked on 1 November 2026: "Interest calculated daily on the portion of the balance that falls within each tier." The snapshot keeps the product data as published.
• We read the bank's own page and terms against this page on 1 November 2026: savings-account, rates, Deposit-Accounts-Interest-Rates-9-Oct-2026.pdf, General-Terms-Conditions-Sep-2026.pdf, Fees-and-Charges-25-May-2026.pdf, publications-regulatory-disclosures; conditions they state and its feed does not are listed above.
• /au/finance/savings-accounts/v1/brands/fire-service-credit-union.json: this bank's accounts and every balance band as JSON; Fire Service Credit Union's page lists them.
• The bank last updated this record on 15 October 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 Fire Service Credit Union

• S12 Junior Firefighter Accountstale savings account, 3.90% base at $50,000
• S5 High Intereststale savings account, 3.50% base at $50,000
• S7 Christmas Savings Accountstale savings account, 2.50% base at $50,000
• S8 Savings Accountstale savings account, 1.71% base at $50,000
• S1 On Call Savings transaction account, 0.05% base at $50,000
• S21 Business Accountstale transaction account, 0.05% base at $50,000

All of Fire Service Credit Union's accounts on its page, with its best rates per segment and rate kind, and every account at every bank.