{ "brand": "Fire Service Credit Union", "brand_label": "Fire Service Credit Union", "brand_slug": "fire-service-credit-union", "legal_entity_abn": "17087651152", "public_base_uri": "https://public.cdr-api.fscu.com.au", "logo_uri": "https://www.fscu.com.au/wp-content/uploads//2023/11/FSCU_logo.png", "status": "ok", "stale": false, "bank_last_updated": "2026-11-13T00:00:33Z", "at_a_glance": { "note": "This bank's best savings rate per customer segment (personal, smsf, business) and rate kind (ongoing: the conditional rate, bonus conditions met; intro: in the introductory period; base: the base rate, no conditions met), one line each: the highest of the bank's own entries in the best/{segment}/{kind}/{balance}.json slices (age-limited, pensioner, occupation-limited, organisation-only and adviser-platform accounts left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. reference_balances are the slice balances where it is the bank's entry; the rate is at the first of them. conditions is a key into condition_sets. unranked counts the products no slice ranks, by reason. Every product and rate row follows in products and rows.", "rates": [ {"segment":"personal","kind":"ongoing","rate_pct":3.9,"base_rate_pct":3.9,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"S12 Junior Firefighter Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"half_yearly","conditions":"k1","restrictions":["occupation_membership","age_limited"],"record_stale":true}, {"segment":"personal","kind":"intro","rate_pct":3.9,"base_rate_pct":3.9,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"S12 Junior Firefighter Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"half_yearly","conditions":"k1","restrictions":["occupation_membership","age_limited"],"record_stale":true}, {"segment":"personal","kind":"base","rate_pct":3.9,"base_rate_pct":3.9,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"S12 Junior Firefighter Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"half_yearly","conditions":"k1","restrictions":["occupation_membership","age_limited"],"record_stale":true}, {"segment":"smsf","kind":"ongoing","rate_pct":3.5,"base_rate_pct":3.5,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"S5 High Interest","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":["occupation_membership"],"record_stale":true}, {"segment":"smsf","kind":"intro","rate_pct":3.5,"base_rate_pct":3.5,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"S5 High Interest","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":["occupation_membership"],"record_stale":true}, {"segment":"smsf","kind":"base","rate_pct":3.5,"base_rate_pct":3.5,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"S5 High Interest","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":["occupation_membership"],"record_stale":true}, {"segment":"business","kind":"ongoing","rate_pct":3.5,"base_rate_pct":3.5,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"S5 High Interest","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":["occupation_membership"],"record_stale":true}, {"segment":"business","kind":"intro","rate_pct":3.5,"base_rate_pct":3.5,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"S5 High Interest","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":["occupation_membership"],"record_stale":true}, {"segment":"business","kind":"base","rate_pct":3.5,"base_rate_pct":3.5,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"S5 High Interest","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":["occupation_membership"],"record_stale":true} ], "condition_sets": { "k1": [ "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", "age 18 and under", "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)", "To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services.", "for members under 18; the account is closed and moved to a new account when the child turns 18" ], "k2": [ "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", "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)", "To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services.", "one free withdrawal a month, then $5.00 for each extra withdrawal in the month", "also open to self-managed super funds (SMSFs): the bank's own words are \"Existing members may open savings accounts and Fixed Term Deposits for their Trust or Self-Managed Superannuation Funds (SMSF).\"" ] }, "unranked": { "products": 4, "transaction_account": 2, "other_product": 1, "offset_account": 1 } }, "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), transaction and savings accounts category", "licence_note": "Rates are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates change without notice; bonus interest is paid only in the months the account's conditions are met; check the bank's page before acting. This is not financial advice.", "products": [ { "product_id": "8", "product_name": "S12 Junior Firefighter Account", "product_label": "S12 Junior Firefighter Account", "product_slug": "s12-junior-firefighter-account", "page": "/au/finance/savings-accounts/accounts/fire-service-credit-union/s12-junior-firefighter-account/", "product_url": "https://www.fscu.com.au/accounts/savings-account/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.fscu.com.au/accounts/savings-account/", "fees_url": "https://www.fscu.com.au/rates/", "eligibility_url": "https://www.fscu.com.au/why-us/membership/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "It's never too early to start saving! Open a Junior Firefighter Account today. A special savings account for children up to 18 years of age.", "bonus_is_total": null, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], "bonus_conditions": [], "extra_bonuses": [], "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 3.9, "intro_pct": null, "base_pct": 3.9 }, "50000": { "ongoing_pct": 3.9, "intro_pct": null, "base_pct": 3.9 }, "250000": { "ongoing_pct": 3.9, "intro_pct": null, "base_pct": 3.9 } }, "rankings": [ { "segment": "personal", "kind": "ongoing", "balance": 10000, "rank": 77, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "ongoing", "balance": 50000, "rank": 80, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "ongoing", "balance": 250000, "rank": 77, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "intro", "balance": 10000, "rank": 78, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "intro", "balance": 50000, "rank": 81, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "intro", "balance": 250000, "rank": 77, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "base", "balance": 10000, "rank": 40, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "base", "balance": 50000, "rank": 38, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "base", "balance": 250000, "rank": 37, "of": 91, "hidden_by_default": true } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": false, "payid": false, "payto": false, "bpay": false, "app": true, "notifications": false, "unlimited_transactions": true, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [] }, "feature_tags": [ "app", "unlimited transactions" ], "interest_paid": "half_yearly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": 18, "restrictions": [ "occupation_membership", "age_limited" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "occupation", "who": "To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services", "level": "bank", "quote": "To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services.", "source": "feed: eligibility OTHER" }, { "kind": "age", "who": "age 18 and under", "level": "product", "quote": "MAX_AGE 18", "source": "feed: eligibility MAX_AGE" }, { "kind": "age", "who": "for members under 18; the account is closed and moved to a new account when the child turns 18", "level": "product", "quote": "The Junior Firefighter savings account has been designed for members under the age of 18 to save funds.", "source": "https://fscu.com.au/wp-content/uploads/2026/09/General-Terms-Conditions-Sep-2026.pdf", "citation": { "quote": "The Junior Firefighter savings account has been designed for members under the age of 18 to save funds.", "url": "https://fscu.com.au/wp-content/uploads/2026/09/General-Terms-Conditions-Sep-2026.pdf#page=10", "page": 10, "document_sha256": "e36c244851c5372a3f6d1d2a4fae71549672b6311883424037c37d4e31f85bc7", "confirmed": "2026-11-13" } } ], "open_note": null }, "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", "age 18 and under", "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)", "To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services.", "for members under 18; the account is closed and moved to a new account when the child turns 18" ], "eligibility": [ "age 18 and under", "To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services.", "residency: Australian Residents only" ], "record_stale": true, "source_url": "https://public.cdr-api.fscu.com.au/cds-au/v1/banking/products/8", "source_snapshot": "/au/finance/savings-accounts/v1/source/fire-service-credit-union/8.json", "snapshot_at": "2026-10-22T13:24:54Z", "bank_last_updated": "2026-10-15T06:00:32.5923780Z", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.fscu.com.au/accounts/savings-account/", "https://fscu.com.au/rates/", "https://fscu.com.au/wp-content/uploads/2026/10/Deposit-Accounts-Interest-Rates-9-Oct-2026.pdf", "https://fscu.com.au/wp-content/uploads/2026/09/General-Terms-Conditions-Sep-2026.pdf", "https://fscu.com.au/wp-content/uploads/2026/05/Fees-and-Charges-25-May-2026.pdf", "https://fscu.com.au/guides/publications-regulatory-disclosures/" ] } }, { "product_id": "9", "product_name": "S20 Retiree Access", "product_label": "S20 Retiree Access", "product_slug": "s20-retiree-access", "page": "/au/finance/savings-accounts/accounts/fire-service-credit-union/s20-retiree-access/", "product_url": "https://www.fscu.com.au/accounts/transaction-accounts/", "rate_correction": { "quote": "Interest calculated daily on the portion of the balance that falls within each tier", "url": "https://fscu.com.au/wp-content/uploads/2026/10/Deposit-Accounts-Interest-Rates-9-Oct-2026.pdf", "checked": "2026-11-01", "citation": { "quote": "Interest calculated daily on the portion of the balance that falls within each tier", "url": "https://fscu.com.au/wp-content/uploads/2026/10/Deposit-Accounts-Interest-Rates-9-Oct-2026.pdf#page=1", "page": 1, "document_sha256": 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"max_balance": null, "notice_days": null, "rates_at_reference_balances": { "10000": { "ongoing_pct": 3.5, "intro_pct": null, "base_pct": 3.5 }, "50000": { "ongoing_pct": 3.5, "intro_pct": null, "base_pct": 3.5 }, "250000": { "ongoing_pct": 3.5, "intro_pct": null, "base_pct": 3.5 } }, "rankings": [ { "segment": "smsf", "kind": "ongoing", "balance": 10000, "rank": 22, "of": 44, "hidden_by_default": true }, { "segment": "smsf", "kind": "ongoing", "balance": 50000, "rank": 22, "of": 44, "hidden_by_default": true }, { "segment": "smsf", "kind": "ongoing", "balance": 250000, "rank": 23, "of": 44, "hidden_by_default": true }, { "segment": "smsf", "kind": "intro", "balance": 10000, "rank": 23, "of": 44, "hidden_by_default": true }, { "segment": "smsf", "kind": "intro", "balance": 50000, "rank": 23, "of": 44, "hidden_by_default": true }, { "segment": "smsf", "kind": "intro", "balance": 250000, "rank": 24, "of": 44, "hidden_by_default": true }, { "segment": "smsf", "kind": "base", "balance": 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