GMCU Advantage Saver
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Advantage Saver is a savings account from GMCU. It pays 4.80% p.a. in a month in which the conditions below are met and 0.01% when they are not.
Rate tiers
Every balance band in the bank's feed: base is the rate when the bonus conditions are not all met, bonus the add-on for meeting them, conditional the two together.
| Balance | Base | Bonus | Conditional |
|---|---|---|---|
| $0+ | 0.01% | 4.79% | 4.80% |
The bonus is paid on top of the base rate in a month in which the conditions are met; conditional is the two together, and the base rate is what is paid otherwise.
The feed states no cap on the balance that earns the bonus.
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
- bonus interest is paid only in a month with no withdrawals (including electronic debits) and at least $20 deposited
Features
- app
- yes
- Osko
- yes
- PayID
- yes
- BPAY
- yes
- transactions
- unlimited
Fees, limits and who can open it
- monthly fee
- no monthly fee stated
- interest paid
- monthly
- interest calculated
- daily
- open to
- personal customers
About this account
Advantage Saver account is a savings account for those dedicated to a regular savings plan. A bonus rate is available in months where there are no withdrawals and a deposit of at least $20.
Data
- GMCU'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 5 November 2026.
- We read the bank's own page and terms against this page on 1 November 2026: advantage-saver-account, view-all-savings-accounts, deposit-rates, www.gmcu.com.au, schedule-of-fees-and-charges-august-2026; conditions they state and its feed does not are listed above.
/au/finance/savings-accounts/v1/brands/gmcu.json: this bank's accounts and every balance band as JSON; GMCU'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 GMCU
- Christmas Saverstale savings account, 1.10% base at $50,000
- Online Saverstale savings account, 1.05% base at $50,000
- Cash Managerstale cash management account, 0.32% base at $50,000
- My Business transaction account, 0.06% base at $50,000
- My Connectstale transaction account, 0.06% base at $50,000
- My Everydaystale transaction account, 0.06% base at $50,000
- My Everyday Startstale transaction account, 0.06% base at $50,000
- My Freedomstale transaction account, 1.98% base at $50,000
- Our Communitystale transaction account, 1.36% base at $50,000
All of GMCU's accounts on its page, with its best rates per segment and rate kind, and every account at every bank.
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