Police Credit Union Focus Saver Account
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Focus Saver Account is a savings account from Police Credit Union. At $50,000 it pays 5.35% p.a. in a month in which the conditions below are met and 0.00% 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 – $199.99 | 0.00% | 0.00% | 0.00% |
| $200+ | 0.00% | 5.35% | 5.35% |
Each rate is paid on the whole balance: the balance falls into one band and earns that band's rate.
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
- the bonus rate needs a balance over $200, at least $200 saved in the month and no withdrawals; no bonus in the first month
- interest is calculated on the minimum monthly balance, so a mid-month withdrawal or low point lowers it
Features
- app
- yes
- Osko
- yes
- PayID
- yes
Fees, limits and who can open it
- monthly fee
- no monthly fee stated
- interest paid
- monthly
- open to
- personal customers
About this account
Bonus Interest Account to bring your dreams into focus.
Data
- Police 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 5 November 2026.
- We read the bank's own page and terms against this page on 1 November 2026: focus-saver, Savings_and_Investment_Interest_Rates.pdf, Information_Statements_Standard_Savings_Account.pdf, rates, terms-conditions; conditions they state and its feed does not are listed above.
/au/finance/savings-accounts/v1/brands/police-credit-union-ltd.json: this bank's accounts and every balance band as JSON; Police 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 Police Credit Union
- Beans Savings Accountstale savings account, 5.25% conditional at $50,000
- Business Savings Account savings account, 4.60% base at $50,000
- iSavings Accountstale savings account, 2.30% base at $50,000
- Master Club Accountstale savings account, 1.73% base at $50,000
- Super MyWay Accountstale savings account, 4.15% base at $50,000
- My Limit Prepaid Visa Accountstale transaction account, 0.00% base at $50,000
- Redi Access Accountstale transaction account, 0.00% base at $50,000
- Rural On-Call Savings Accountstale transaction account, 0.05% base at $50,000
All of Police 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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