{ "brand": "Laboratories Credit Union", "brand_label": "Laboratories Credit Union", "brand_slug": "laboratories-credit-union", "legal_entity_abn": "77087650217", "public_base_uri": "https://internetbanking.lcu.com.au/OpenBanking", "logo_uri": "https://lcu.com.au/wp-content/uploads/2025/03/LCU-LOGO-High-res.png", "status": "ok", "stale": false, "bank_last_updated": "2026-11-05T22:56:53Z", "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":4.36,"base_rate_pct":0.01,"bonus_rate_pct":4.35,"intro_rate_pct":null,"intro_months":null,"product_label":"Savvy Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":false}, {"segment":"personal","kind":"intro","rate_pct":4.36,"base_rate_pct":0.01,"bonus_rate_pct":4.35,"intro_rate_pct":null,"intro_months":null,"product_label":"Savvy Saver","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k1","restrictions":[],"record_stale":false}, {"segment":"personal","kind":"base","rate_pct":1.0,"base_rate_pct":1.0,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Esaver Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"half_yearly","conditions":"k2","restrictions":[],"record_stale":true} ], "condition_sets": { "k1": [ "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…", "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…", "the bonus rate needs deposits of at least $200 in the month and no withdrawals in the same month; otherwise only the 0.01% base rate is paid" ], "k2": [ "not updated by the bank since 2026-03-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…", "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…" ] }, "unranked": { "products": 2, "transaction_account": 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": "S50_ESAVER_ACCOUNT", "product_name": "Esaver Account", "product_label": "Esaver Account", "product_slug": "esaver-account", "page": "/au/finance/savings-accounts/accounts/laboratories-credit-union/esaver-account/", "product_url": "https://lcu.com.au/product/esaver-account/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://lcu.com.au/disclosure-documents", "fees_url": "https://lcu.com.au/disclosure-documents", "eligibility_url": null, "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "Maximise your interest return with an online savings account for balances over $1000", "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": 1.0, "intro_pct": null, "base_pct": 1.0 }, "50000": { "ongoing_pct": 1.0, "intro_pct": null, "base_pct": 1.0 }, "250000": { "ongoing_pct": 1.0, "intro_pct": null, "base_pct": 1.0 } }, "rankings": [ { "segment": "personal", "kind": "base", "balance": 10000, "rank": 59, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 50000, "rank": 60, "of": 79 }, { "segment": "personal", "kind": "base", "balance": 250000, "rank": 62, "of": 79 } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": true, "app": true, "notifications": true, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "Sub accounts - For budgeting purposes, separate your funds into multiple accounts", "Government Guarantee - Under the FCS certain deposits are protected up to a limit of $250…", "Overdrawn accounts (with a balance below $0.00) will be charged the current lending rate…", "BPAYView - Receive your bills directly to your internet banking and pay with one click", "Sweep Facility - Automatically move funds between your accounts based on a minimum or max…", "Receive international payment to your account through Western Union. No fee for sender or…" ] }, "feature_tags": [ "app", "Osko", "PayID", "BPAY", "notifications" ], "interest_paid": "half_yearly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2026-03-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…", "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…" ], "eligibility": [ "residency: If not an Australian resident, you must complete a Tax Residency Declaration", "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own your Bank\". $10 share is refunded if you choose to close your account.", "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may be eligible to join if you: work or live in the greater Ryde area; have an association with Riverside Corporate or Macquarie Park; or work in a STEM industry." ], "record_stale": true, "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/S50_ESAVER_ACCOUNT", "source_snapshot": "/au/finance/savings-accounts/v1/source/laboratories-credit-union/S50_ESAVER_ACCOUNT.json", "snapshot_at": "2026-10-22T13:25:16Z", "bank_last_updated": "2026-03-31T21:48:08.000+11:00", "ranked": true, "unranked_reason": null, "row_count": 2, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://lcu.com.au/product/esaver-account/", "https://lcu.com.au/disclosure-documents", "https://lcu.com.au/wp-content/uploads/2026/09/Interest-Rate-Brochure_08092026.pdf", "https://lcu.com.au/wp-content/uploads/2026/02/Summary-of-Accounts-Availability.pdf" ] } }, { "product_id": "S34_SAVVY_SAVER_ACCOUNT", "product_name": "Savvy Saver", "product_label": "Savvy Saver", "product_slug": "savvy-saver", "page": "/au/finance/savings-accounts/accounts/laboratories-credit-union/savvy-saver/", "product_url": "https://lcu.com.au/product/savvy-saver-account/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://lcu.com.au/disclosure-documents", "fees_url": "https://lcu.com.au/disclosure-documents", "eligibility_url": null, "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "Reach your savings goals faster with bonus interest rate by making a minimum deposit of $200 and no withdrawals during the month", "bonus_is_total": false, "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": 4.36, "intro_pct": null, "base_pct": 0.01 }, "50000": { "ongoing_pct": 4.36, "intro_pct": null, "base_pct": 0.01 }, "250000": { "ongoing_pct": 4.26, "intro_pct": null, "base_pct": 0.01 } }, "rankings": [ { "segment": "personal", "kind": "ongoing", "balance": 10000, "rank": 55, "of": 79 }, { "segment": "personal", "kind": "ongoing", "balance": 50000, "rank": 58, "of": 79 }, { "segment": "personal", "kind": "ongoing", "balance": 250000, "rank": 60, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 10000, "rank": 58, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 50000, "rank": 61, "of": 79 }, { "segment": "personal", "kind": "intro", "balance": 250000, "rank": 62, "of": 79 } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": false, "app": true, "notifications": true, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "BPAYView - Receive your bills directly to your internet banking and pay with one click", "Government Guarantee - Under the FCS certain deposits are protected up to a limit of $250…", "Receive international payment to your account through Western Union. No fee for sender or…", "Send International Payments self serve through your internet banking or staff assisted", "International exchange on foreign cheques and cash", "International purchase foreign draft" ] }, "feature_tags": [ "app", "Osko", "PayID", "notifications" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…", "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…", "the bonus rate needs deposits of at least $200 in the month and no withdrawals in the same month; otherwise only the 0.01% base rate is paid" ], "eligibility": [ "residency: If not an Australian resident, you must complete a Tax Residency Declaration", "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own your Bank\". $10 share is refunded if you choose to close your account.", "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may be eligible to join if you: work or live in the greater Ryde area; have an association with Riverside Corporate or Macquarie Park; or work in a STEM industry." ], "record_stale": false, "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/S34_SAVVY_SAVER_ACCOUNT", "source_snapshot": "/au/finance/savings-accounts/v1/source/laboratories-credit-union/S34_SAVVY_SAVER_ACCOUNT.json", "snapshot_at": "2026-11-06T01:09:18Z", "bank_last_updated": "2026-11-06T09:56:53.000+11:00", "ranked": true, "unranked_reason": null, "row_count": 4, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://lcu.com.au/product/savvy-saver-account/", "https://lcu.com.au/disclosure-documents", "https://lcu.com.au/wp-content/uploads/2026/09/Interest-Rate-Brochure_08092026.pdf", "https://lcu.com.au/wp-content/uploads/2026/02/Summary-of-Accounts-Availability.pdf" ] } }, { "product_id": "S33_YOUNG_AND_FREE_ACCOUNT", "product_name": "Young and Free Student Account", "product_label": "Young and Free Student Account", "product_slug": "young-and-free-student-account", "page": "/au/finance/savings-accounts/accounts/laboratories-credit-union/young-and-free-student-account/", "product_url": "https://lcu.com.au/product/young-free-student-account/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://lcu.com.au/disclosure-documents", "fees_url": "https://lcu.com.au/disclosure-documents", "eligibility_url": null, "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "Learn to save with a great interest rate and no monthly Visa card fees. Bonus rate on balances up to $1000.", "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": 5.4, "intro_pct": null, "base_pct": 5.4 }, "50000": { "ongoing_pct": 1.09, "intro_pct": null, "base_pct": 1.09 }, "250000": { "ongoing_pct": 0.23, "intro_pct": null, "base_pct": 0.23 } }, "rankings": [ { "segment": "personal", "kind": "ongoing", "balance": 10000, "rank": 38, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "intro", "balance": 10000, "rank": 46, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "base", "balance": 10000, "rank": 13, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "base", "balance": 50000, "rank": 81, "of": 91, "hidden_by_default": true } ], "features": { "card_access": true, "card": "Visa Debit Card with payWave", "digital_wallets": [ "Use your compatible Android device to make payments", "Use your compatible Apple device to make payments" ], "osko": true, "payid": true, "payto": false, "bpay": false, "app": true, "notifications": true, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "BPAYView - Receive your bills directly to your internet banking and pay with one click", "Sweep Facility - Automatically move funds between your accounts based on a minimum or max…", "Government Guarantee - Under the FCS certain deposits are protected up to a limit of $250…", "Receive international payment to your account through Western Union. No fee for sender or…", "Send International Payments self serve through your internet banking or staff assisted", "International exchange on foreign cheques and cash" ] }, "feature_tags": [ "card", "app", "Osko", "PayID", "notifications", "wallets: Use your compatible Android device to make payments, Use your compatible Apple device to make payments" ], "interest_paid": "half_yearly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": 8, "age_max": 25, "restrictions": [ "age_limited", "occupation_membership" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "age", "who": "age 25 and under", "level": "product", "quote": "MAX_AGE 25", "source": "feed: eligibility MAX_AGE" }, { "kind": "occupation", "who": "only available to current LCU members and their family", "level": "product", "quote": "This account is only available for current LCU members and their family.", "source": "https://lcu.com.au/wp-content/uploads/2026/02/Summary-of-Accounts-Availability.pdf", "citation": { "quote": "This account is only available for current LCU members and their family.", "url": "https://lcu.com.au/wp-content/uploads/2026/02/Summary-of-Accounts-Availability.pdf#page=2", "page": 2, "document_sha256": "4fbae66c420f7b138e1ba6c661da33f3ab23438ebf99d18a7bc89dedc8a3561f", "confirmed": "2026-11-13" } } ], "open_note": null }, "conditions": [ "ages 8 to 25", "age 25 and under", "students only: Full time student", "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…", "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…", "the account is conducted in one name only, so there are no joint holders", "only available to current LCU members and their family" ], "eligibility": [ "age 25 and under", "students only: Full time student", "residency: If not an Australian resident, you must complete a Tax Residency Declaration", "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own your Bank\". $10 share is refunded if you choose to close your account.", "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may be eligible to join if you: work or live in the greater Ryde area; have an association with Riverside Corporate or Macquarie Park; or work in a STEM industry." ], "record_stale": false, "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/S33_YOUNG_AND_FREE_ACCOUNT", "source_snapshot": "/au/finance/savings-accounts/v1/source/laboratories-credit-union/S33_YOUNG_AND_FREE_ACCOUNT.json", "snapshot_at": "2026-11-06T01:09:18Z", "bank_last_updated": "2026-11-06T09:54:13.000+11:00", "ranked": true, "unranked_reason": null, "row_count": 2, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://lcu.com.au/product/young-free-student-account/", "https://lcu.com.au/disclosure-documents", "https://lcu.com.au/wp-content/uploads/2026/09/Interest-Rate-Brochure_08092026.pdf", "https://lcu.com.au/wp-content/uploads/2026/02/Summary-of-Accounts-Availability.pdf" ] } }, { "product_id": "S1_On_Call_Savings_Account", "product_name": "Everyday Transaction Account", "product_label": "Everyday Transaction Account", "product_slug": "everyday-transaction-account", "page": "/au/finance/savings-accounts/accounts/laboratories-credit-union/everyday-transaction-account/", "product_url": "https://lcu.com.au/product/on-call-savings-account/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://lcu.com.au/disclosure-documents", "fees_url": "https://lcu.com.au/disclosure-documents", "eligibility_url": null, "account_type": "transaction", "segments": [ "personal" ], "segment": "personal", "description": "Everyday transaction account with Visa Debit Card", "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": 0.01, "intro_pct": null, "base_pct": 0.01 }, "50000": { "ongoing_pct": 0.01, "intro_pct": null, "base_pct": 0.01 }, "250000": { "ongoing_pct": 0.01, "intro_pct": null, "base_pct": 0.01 } }, "rankings": [], "features": { "card_access": true, "card": "Visa Debit Card with payWave", "digital_wallets": [ "Apple Pay Available", "Google Pay Available" ], "osko": true, "payid": true, "payto": false, "bpay": false, "app": true, "notifications": true, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "Sub accounts - For budgeting purposes, separate your funds into multiple accounts", "BPAYView - Receive your bills directly to your internet banking and pay with one click", "Sweep Facility - Automatically move funds between your accounts based on a minimum or max…", "Government Guarantee - Under the FCS certain deposits are protected up to a limit of $250…", "Receive international payment to your account through Western Union. No fee for sender or…", "Send International Payments self serve through your internet banking or staff assisted" ] }, "feature_tags": [ "card", "app", "Osko", "PayID", "notifications", "wallets: Apple Pay Available, Google Pay Available" ], "interest_paid": "half_yearly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2026-07-06, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…", "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…" ], "eligibility": [ "residency: If not an Australian resident, you must complete a Tax Residency Declaration", "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own your Bank\". $10 share is refunded if you choose to close your account.", "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may be eligible to join if you: work or live in the greater Ryde area; have an association with Riverside Corporate or Macquarie Park; or work in a STEM industry." ], "record_stale": true, "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/S1_On_Call_Savings_Account", "source_snapshot": "/au/finance/savings-accounts/v1/source/laboratories-credit-union/S1_On_Call_Savings_Account.json", "snapshot_at": "2026-10-22T13:25:16Z", "bank_last_updated": "2026-07-06T23:59:23.000+10:00", "ranked": false, "unranked_reason": "transaction_account", "row_count": 1 }, { "product_id": "S40_OFFSET_ACCOUNT", "product_name": "Home Loan Offset Account", "product_label": "Home Loan Offset Account", "product_slug": "home-loan-offset-account", "page": null, "product_url": "https://lcu.com.au/banking/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://lcu.com.au/disclosure-documents", "fees_url": "https://lcu.com.au/disclosure-documents", "eligibility_url": null, "account_type": "offset", "segments": [ "personal" ], "segment": "personal", "description": "Reduce your mortgage interest with a free 100% offset account", "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": 0.0, "intro_pct": null, "base_pct": 0.0 }, "50000": { "ongoing_pct": 0.0, "intro_pct": null, "base_pct": 0.0 }, "250000": { "ongoing_pct": 0.0, "intro_pct": null, "base_pct": 0.0 } }, "rankings": [], "features": { "card_access": true, "card": "Visa Debit Card with payWave", "digital_wallets": [ "Use your compatible Android device to make payments", "Use your compatible Apple device to make payments" ], "osko": true, "payid": true, "payto": false, "bpay": false, "app": true, "notifications": true, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [ "Sub accounts - For budgeting purposes, separate your funds into multiple accounts", "BPAYView - Receive your bills directly to your internet banking and pay with one click", "Sweep Facility - Automatically move funds between your accounts based on a minimum or max…", "Government Guarantee - Under the FCS certain deposits are protected up to a limit of $250…", "Receive international payment to your account through Western Union. No fee for sender or…", "Send International Payments self serve through your internet banking or staff assisted" ] }, "feature_tags": [ "card", "app", "Osko", "PayID", "notifications", "wallets: Use your compatible Android device to make payments, Use your compatible Apple device to make payments" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "not updated by the bank since 2026-01-27, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…", "To be eligible to join you must be referred by a family member or friend who already has an account with LCU. Alternatively you may be eligible to join if you:…", "You must have a mortgage secured loan in the same name as the offset account" ], "eligibility": [ "residency: If not an Australian resident, you must complete a Tax Residency Declaration. Loan Products are restricted to Australian Citizens", "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own your Bank\". $10 share is refunded if you choose to close your account.", "To be eligible to join you must be referred by a family member or friend who already has an account with LCU. Alternatively you may be eligible to join if you: work or live in the greater Ryde area; have an association with Riverside Corporate or Macquarie Park; or work in a STEM industry.", "You must have a mortgage secured loan in the same name as the offset account" ], "record_stale": true, "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/S40_OFFSET_ACCOUNT", "source_snapshot": "/au/finance/savings-accounts/v1/source/laboratories-credit-union/S40_OFFSET_ACCOUNT.json", "snapshot_at": "2026-10-22T13:25:16Z", "bank_last_updated": "2026-01-27T15:02:04.000+11:00", "ranked": false, "unranked_reason": "offset_account", "row_count": 1 } ], "rows": [ { "brand": "Laboratories Credit Union", "brand_label": "Laboratories Credit Union", "brand_slug": "laboratories-credit-union", "legal_entity_abn": "77087650217", "product_id": "S50_ESAVER_ACCOUNT", "product_name": "Esaver Account", "product_label": "Esaver Account", "product_slug": "esaver-account", "page": "/au/finance/savings-accounts/accounts/laboratories-credit-union/esaver-account/", "product_url": "https://lcu.com.au/product/esaver-account/", "terms_url": "https://lcu.com.au/disclosure-documents", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": "half_yearly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [], "conditions": [ "not updated by the bank since 2026-03-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…", "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…" ], "record_stale": true, "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/S50_ESAVER_ACCOUNT", "source_snapshot": "/au/finance/savings-accounts/v1/source/laboratories-credit-union/S50_ESAVER_ACCOUNT.json", "bank_last_updated": "2026-03-31T21:48:08.000+11:00", "balance_from": 0, "balance_to": 999.99, "base_rate_pct": 0.0, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.0, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": true, "unranked_reason": null }, { "brand": "Laboratories Credit Union", "brand_label": "Laboratories Credit Union", "brand_slug": "laboratories-credit-union", "legal_entity_abn": "77087650217", "product_id": "S50_ESAVER_ACCOUNT", "product_name": "Esaver Account", "product_label": "Esaver Account", "product_slug": "esaver-account", "page": "/au/finance/savings-accounts/accounts/laboratories-credit-union/esaver-account/", "product_url": "https://lcu.com.au/product/esaver-account/", "terms_url": "https://lcu.com.au/disclosure-documents", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": "half_yearly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [], "conditions": [ "not updated by the bank since 2026-03-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…", "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…" ], "record_stale": true, "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/S50_ESAVER_ACCOUNT", "source_snapshot": "/au/finance/savings-accounts/v1/source/laboratories-credit-union/S50_ESAVER_ACCOUNT.json", "bank_last_updated": "2026-03-31T21:48:08.000+11:00", "balance_from": 1000, "balance_to": null, "base_rate_pct": 1.0, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 1.0, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": true, "unranked_reason": null }, { "brand": "Laboratories Credit Union", "brand_label": "Laboratories Credit Union", "brand_slug": "laboratories-credit-union", "legal_entity_abn": "77087650217", "product_id": "S34_SAVVY_SAVER_ACCOUNT", "product_name": "Savvy Saver", "product_label": "Savvy Saver", "product_slug": "savvy-saver", "page": "/au/finance/savings-accounts/accounts/laboratories-credit-union/savvy-saver/", "product_url": "https://lcu.com.au/product/savvy-saver-account/", "terms_url": "https://lcu.com.au/disclosure-documents", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": false, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [], "conditions": [ "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…", "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…", "the bonus rate needs deposits of at least $200 in the month and no withdrawals in the same month; otherwise only the 0.01% base rate is paid" ], "record_stale": false, "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/S34_SAVVY_SAVER_ACCOUNT", "source_snapshot": "/au/finance/savings-accounts/v1/source/laboratories-credit-union/S34_SAVVY_SAVER_ACCOUNT.json", "bank_last_updated": "2026-11-06T09:56:53.000+11:00", "balance_from": 0, "balance_to": 100000, "base_rate_pct": 0.01, "bonus_rate_pct": 4.35, "intro_rate_pct": null, "ongoing_rate_pct": 4.36, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": true, "unranked_reason": null }, { "brand": "Laboratories Credit Union", "brand_label": "Laboratories Credit Union", "brand_slug": "laboratories-credit-union", "legal_entity_abn": "77087650217", "product_id": "S34_SAVVY_SAVER_ACCOUNT", "product_name": "Savvy Saver", "product_label": "Savvy Saver", "product_slug": "savvy-saver", "page": "/au/finance/savings-accounts/accounts/laboratories-credit-union/savvy-saver/", "product_url": "https://lcu.com.au/product/savvy-saver-account/", "terms_url": "https://lcu.com.au/disclosure-documents", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": false, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [], "conditions": [ "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…", "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…", "the bonus rate needs deposits of at least $200 in the month and no withdrawals in the same month; otherwise only the 0.01% base rate is paid" ], "record_stale": false, "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/S34_SAVVY_SAVER_ACCOUNT", "source_snapshot": "/au/finance/savings-accounts/v1/source/laboratories-credit-union/S34_SAVVY_SAVER_ACCOUNT.json", "bank_last_updated": "2026-11-06T09:56:53.000+11:00", "balance_from": 100000.01, "balance_to": 500000.01, "base_rate_pct": 0.01, "bonus_rate_pct": 4.25, "intro_rate_pct": null, "ongoing_rate_pct": 4.26, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": true, "unranked_reason": null }, { "brand": "Laboratories Credit Union", "brand_label": "Laboratories Credit Union", "brand_slug": "laboratories-credit-union", "legal_entity_abn": "77087650217", "product_id": "S34_SAVVY_SAVER_ACCOUNT", "product_name": "Savvy Saver", "product_label": "Savvy Saver", "product_slug": "savvy-saver", "page": "/au/finance/savings-accounts/accounts/laboratories-credit-union/savvy-saver/", "product_url": "https://lcu.com.au/product/savvy-saver-account/", "terms_url": "https://lcu.com.au/disclosure-documents", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": false, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [], "conditions": [ "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…", "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…", "the bonus rate needs deposits of at least $200 in the month and no withdrawals in the same month; otherwise only the 0.01% base rate is paid" ], "record_stale": false, "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/S34_SAVVY_SAVER_ACCOUNT", "source_snapshot": "/au/finance/savings-accounts/v1/source/laboratories-credit-union/S34_SAVVY_SAVER_ACCOUNT.json", "bank_last_updated": "2026-11-06T09:56:53.000+11:00", "balance_from": 500000.02, "balance_to": 1000000.01, "base_rate_pct": 0.01, "bonus_rate_pct": 4.15, "intro_rate_pct": null, "ongoing_rate_pct": 4.16, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": true, "unranked_reason": null }, { "brand": "Laboratories Credit Union", "brand_label": "Laboratories Credit Union", "brand_slug": "laboratories-credit-union", "legal_entity_abn": "77087650217", "product_id": "S34_SAVVY_SAVER_ACCOUNT", "product_name": "Savvy Saver", "product_label": "Savvy Saver", "product_slug": "savvy-saver", "page": "/au/finance/savings-accounts/accounts/laboratories-credit-union/savvy-saver/", "product_url": "https://lcu.com.au/product/savvy-saver-account/", "terms_url": "https://lcu.com.au/disclosure-documents", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": false, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [], "conditions": [ "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…", "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…", "the bonus rate needs deposits of at least $200 in the month and no withdrawals in the same month; otherwise only the 0.01% base rate is paid" ], "record_stale": false, "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/S34_SAVVY_SAVER_ACCOUNT", "source_snapshot": "/au/finance/savings-accounts/v1/source/laboratories-credit-union/S34_SAVVY_SAVER_ACCOUNT.json", "bank_last_updated": "2026-11-06T09:56:53.000+11:00", "balance_from": 1000000.02, "balance_to": null, "base_rate_pct": 0.01, "bonus_rate_pct": 4.05, "intro_rate_pct": null, "ongoing_rate_pct": 4.06, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": true, "unranked_reason": null }, { "brand": "Laboratories Credit Union", "brand_label": "Laboratories Credit Union", "brand_slug": "laboratories-credit-union", "legal_entity_abn": "77087650217", "product_id": "S33_YOUNG_AND_FREE_ACCOUNT", "product_name": "Young and Free Student Account", "product_label": "Young and Free Student Account", "product_slug": "young-and-free-student-account", "page": "/au/finance/savings-accounts/accounts/laboratories-credit-union/young-and-free-student-account/", "product_url": "https://lcu.com.au/product/young-free-student-account/", "terms_url": "https://lcu.com.au/disclosure-documents", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": "half_yearly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": 8, "age_max": 25, "restrictions": [ "age_limited", "occupation_membership" ], "conditions": [ "ages 8 to 25", "age 25 and under", "students only: Full time student", "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…", "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…", "the account is conducted in one name only, so there are no joint holders", "only available to current LCU members and their family" ], "record_stale": false, "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/S33_YOUNG_AND_FREE_ACCOUNT", "source_snapshot": "/au/finance/savings-accounts/v1/source/laboratories-credit-union/S33_YOUNG_AND_FREE_ACCOUNT.json", "bank_last_updated": "2026-11-06T09:54:13.000+11:00", "balance_from": 0, "balance_to": 10000, "base_rate_pct": 5.4, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 5.4, "intro_total_rate_pct": null, "rate_application": "per_tier", "ranked": true, "unranked_reason": null }, { "brand": "Laboratories Credit Union", "brand_label": "Laboratories Credit Union", "brand_slug": "laboratories-credit-union", "legal_entity_abn": "77087650217", "product_id": "S33_YOUNG_AND_FREE_ACCOUNT", "product_name": "Young and Free Student Account", "product_label": "Young and Free Student Account", "product_slug": "young-and-free-student-account", "page": "/au/finance/savings-accounts/accounts/laboratories-credit-union/young-and-free-student-account/", "product_url": "https://lcu.com.au/product/young-free-student-account/", "terms_url": "https://lcu.com.au/disclosure-documents", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": "half_yearly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": 8, "age_max": 25, "restrictions": [ "age_limited", "occupation_membership" ], "conditions": [ "ages 8 to 25", "age 25 and under", "students only: Full time student", "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…", "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…", "the account is conducted in one name only, so there are no joint holders", "only available to current LCU members and their family" ], "record_stale": false, "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/S33_YOUNG_AND_FREE_ACCOUNT", "source_snapshot": "/au/finance/savings-accounts/v1/source/laboratories-credit-union/S33_YOUNG_AND_FREE_ACCOUNT.json", "bank_last_updated": "2026-11-06T09:54:13.000+11:00", "balance_from": 10000.01, "balance_to": null, "base_rate_pct": 0.01, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.01, "intro_total_rate_pct": null, "rate_application": "per_tier", "ranked": true, "unranked_reason": null }, { "brand": "Laboratories Credit Union", "brand_label": "Laboratories Credit Union", "brand_slug": "laboratories-credit-union", "legal_entity_abn": "77087650217", "product_id": "S1_On_Call_Savings_Account", "product_name": "Everyday Transaction Account", "product_label": "Everyday Transaction Account", "product_slug": "everyday-transaction-account", "page": "/au/finance/savings-accounts/accounts/laboratories-credit-union/everyday-transaction-account/", "product_url": "https://lcu.com.au/product/on-call-savings-account/", "terms_url": "https://lcu.com.au/disclosure-documents", "account_type": "transaction", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": "half_yearly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [], "conditions": [ "not updated by the bank since 2026-07-06, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…", "To be eligible to join you must be at least 8 years of age and referred by a family member or friend who already has an account with LCU. Alternatively you may…" ], "record_stale": true, "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/S1_On_Call_Savings_Account", "source_snapshot": "/au/finance/savings-accounts/v1/source/laboratories-credit-union/S1_On_Call_Savings_Account.json", "bank_last_updated": "2026-07-06T23:59:23.000+10:00", "balance_from": 0, "balance_to": null, "base_rate_pct": 0.01, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.01, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": false, "unranked_reason": "transaction_account" }, { "brand": "Laboratories Credit Union", "brand_label": "Laboratories Credit Union", "brand_slug": "laboratories-credit-union", "legal_entity_abn": "77087650217", "product_id": "S40_OFFSET_ACCOUNT", "product_name": "Home Loan Offset Account", "product_label": "Home Loan Offset Account", "product_slug": "home-loan-offset-account", "page": null, "product_url": "https://lcu.com.au/banking/", "terms_url": "https://lcu.com.au/disclosure-documents", "account_type": "offset", "segments": [ "personal" ], "segment": "personal", "bonus_is_total": null, "intro_is_total": null, "intro_months": null, "max_bonus_balance": null, "min_balance": null, "max_balance": null, "notice_days": null, "bonus_conditions": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "age_min": null, "age_max": null, "restrictions": [], "conditions": [ "not updated by the bank since 2026-01-27, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. \"Own yo…", "To be eligible to join you must be referred by a family member or friend who already has an account with LCU. Alternatively you may be eligible to join if you:…", "You must have a mortgage secured loan in the same name as the offset account" ], "record_stale": true, "source_url": "https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/S40_OFFSET_ACCOUNT", "source_snapshot": "/au/finance/savings-accounts/v1/source/laboratories-credit-union/S40_OFFSET_ACCOUNT.json", "bank_last_updated": "2026-01-27T15:02:04.000+11:00", "balance_from": 0, "balance_to": null, "base_rate_pct": 0.0, "bonus_rate_pct": null, "intro_rate_pct": null, "ongoing_rate_pct": 0.0, "intro_total_rate_pct": null, "rate_application": "whole_balance", "ranked": false, "unranked_reason": "offset_account" } ], "licence_shared_with": [], "guarantee": null }