GMCU Christmas Saver
savings accountchristmas clubstaleterms checked
Christmas Saver is a savings account from GMCU. It pays 1.10% p.a. with no bonus conditions.
Rate tiers
Every balance band in the bank's feed: base is the rate the bank pays.
| Balance | Base |
|---|---|
| $0+ | 1.10% |
One rate on every balance, with no upper limit.
Conditions
- not updated by the bank since 2026-04-09, 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
- interest is credited on 15 November each year and funds move to a nominated transaction account
Features
- app
- yes
- Osko
- yes
- PayID
- yes
- BPAY
- yes
Other features, in the bank's words:
- Branch withdrawals are free from 15 November to 31 December.
- Funds will be disbursed by 15 November annually.
Fees, limits and who can open it
- monthly fee
- no monthly fee stated
- interest paid
- annually
- interest calculated
- daily
- open to
- personal customers
- christmas club
- a Christmas club account: withdrawals are restricted for most of the year
About this account
The Christmas Saver account allows you to save for Christmas throughout the year.
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 29 October 2026.
- We read the bank's own page and terms against this page on 1 November 2026: christmas-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 9 April 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
- Advantage Saverstale savings account, 4.80% conditional 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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