Deep Almanac

Transport Mutual Credit Union Christmas Club Account

Transport Mutual Credit Union · Bank data as of 13 November 2026, 00:52 UTC · generated 13 November 2026, 01:46 UTC. Refreshed daily.

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savings accountchristmas clubterms checked

Christmas Club Account is a savings account from Transport Mutual Credit Union. It pays 3.00% 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+	3.00%

One rate on every balance, with no upper limit.

Conditions

a Christmas club account: withdrawals are restricted for most of the year
funds can only be withdrawn between 1 November and 31 January; withdrawing at any other time means closing the account, and it can only be reopened the following calendar year
interest is credited on 31 October and 30 June only

Features

Other features, in the bank's words:

FUNDS AVAILABLE FROM 1ST NOV UNTIL 31ST JAN

Fees, limits and who can open it

monthly fee: no monthly fee stated
interest paid: half-yearly
interest calculated: daily
open to: personal customers
christmas club: a Christmas club account: withdrawals are restricted for most of the year

About this account

CHRISTMAS CLUB ACCOUNT

Data

Transport Mutual Credit Union's own page for this account.
The bank's documents its product record links to: terms and conditions, fees.
Our verbatim snapshot of the bank's product record (source), as fetched on 12 November 2026.
How often interest is paid comes from the bank's own page, not its product data, checked on 1 November 2026: "Interest Income : Calculated daily and paid on 31 October and 30 June."
We read the bank's own page and terms against this page on 1 November 2026: christmas-club-account, interest-rates, fees-and-charges, account-access-facility-conditions-of-use-2025.pdf; conditions they state and its feed does not are listed above.
/au/finance/savings-accounts/v1/brands/tmcu.json: this bank's accounts and every balance band as JSON; Transport Mutual Credit Union's page lists them.
The bank last updated this record on 12 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 Transport Mutual Credit Union

Kids Saver Account savings account
Premium Savers Account savings account, 2.25% base at $50,000
Redifund Account savings account, 1.20% base at $50,000
Business Account transaction account, 0.07% base at $50,000
Multi-Access Account transaction account, 0.07% base at $50,000

All of Transport Mutual 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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