{ "brand": "Police Credit Union Ltd", "brand_label": "Police Credit Union", "brand_slug": "police-credit-union-ltd", "legal_entity_abn": "30087651205", "public_base_uri": "https://api.policecu.com.au/OpenBanking", "logo_uri": "https://www.pcunet1.com.au/internet-banking/App_Themes/PCU-Responsive/images/logo-login.png", "status": "ok", "stale": false, "bank_last_updated": "2026-11-11T04:56:52Z", "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":5.35,"base_rate_pct":0.0,"bonus_rate_pct":5.35,"intro_rate_pct":null,"intro_months":null,"product_label":"Focus Saver Account","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":true}, {"segment":"personal","kind":"intro","rate_pct":5.35,"base_rate_pct":0.0,"bonus_rate_pct":5.35,"intro_rate_pct":null,"intro_months":null,"product_label":"Focus Saver Account","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":true}, {"segment":"personal","kind":"base","rate_pct":2.9,"base_rate_pct":2.9,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"iSavings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k2","restrictions":[],"record_stale":true}, {"segment":"smsf","kind":"ongoing","rate_pct":5.0,"base_rate_pct":5.0,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Super MyWay Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true}, {"segment":"smsf","kind":"intro","rate_pct":5.0,"base_rate_pct":5.0,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Super MyWay Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true}, {"segment":"smsf","kind":"base","rate_pct":5.0,"base_rate_pct":5.0,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Super MyWay Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":"k3","restrictions":[],"record_stale":true}, {"segment":"business","kind":"ongoing","rate_pct":4.6,"base_rate_pct":4.6,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Savings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":null,"restrictions":[],"record_stale":false}, {"segment":"business","kind":"intro","rate_pct":4.6,"base_rate_pct":4.6,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Savings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":null,"restrictions":[],"record_stale":false}, {"segment":"business","kind":"base","rate_pct":4.6,"base_rate_pct":4.6,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"Business Savings Account","account_type":"savings","reference_balances":[10000,50000,250000],"max_bonus_balance":null,"max_balance":null,"monthly_fee":null,"interest_paid":"monthly","conditions":null,"restrictions":[],"record_stale":false} ], "condition_sets": { "k1": [ "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" ], "k2": [ "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" ], "k3": [ "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", "for self-managed super funds only" ] }, "unranked": { "products": 5, "offset_account": 2, "transaction_account": 3 } }, "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": "Beans_Savings_Account", "product_name": "Beans Savings Account", "product_label": "Beans Savings Account", "product_slug": "beans-savings-account", "page": "/au/finance/savings-accounts/accounts/police-credit-union-ltd/beans-savings-account/", "product_url": "https://www.policecu.com.au/product-type/savings-and-investment-accounts/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.policecu.com.au/rates/", "fees_url": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_General_Service_Fees.pdf", "eligibility_url": "https://www.policecu.com.au/rates/", "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "An account exclusive to Junior Saver Members", "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": 5.25, "intro_pct": null, "base_pct": 0.2 }, "50000": { "ongoing_pct": 5.25, "intro_pct": null, "base_pct": 0.2 }, "250000": { "ongoing_pct": 5.25, "intro_pct": null, "base_pct": 0.2 } }, "rankings": [], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": false, "app": true, "notifications": false, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [] }, "feature_tags": [ "app", "Osko", "PayID" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": 18, "restrictions": [ "age_limited" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "age", "who": "age 18 and under", "level": "product", "quote": "MAX_AGE 18", "source": "feed: eligibility MAX_AGE" }, { "kind": "age", "who": "only for members under 18", "level": "product", "quote": "Account available to members under the age of 18.", "source": "https://www.policecu.com.au/savings-investments/savings-investment-accounts/beans/", "citation": { "quote": "Account available to members under the age of 18.", "url": "https://www.policecu.com.au/savings-investments/savings-investment-accounts/beans/#:~:text=Account%20available%20to%20members%20under%20the%20age%20of%2018.", "document_sha256": "eec0c25c9e6ae491bcdcab2fc98a1b8560a55bb901b10af3dee99c44663b7c4a", "confirmed": "2026-11-13" } } ], "open_note": null }, "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", "age 18 and under", "the bonus rate needs a balance over $10, at least $10 saved in the month and no withdrawals; no bonus in the first month", "only for members under 18" ], "eligibility": [ "age 18 and under" ], "record_stale": true, "source_url": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/Beans_Savings_Account", "source_snapshot": "/au/finance/savings-accounts/v1/source/police-credit-union-ltd/Beans_Savings_Account.json", "snapshot_at": "2026-11-05T03:32:00Z", "bank_last_updated": "2026-11-01T10:06:56.000+10:30", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.policecu.com.au/savings-investments/savings-investment-accounts/beans/", "https://www.policecu.com.au/PCUDocuments/Savings_and_Investment_Interest_Rates.pdf", "https://www.policecu.com.au/PCUDocuments/Information_Statements_Standard_Savings_Account.pdf", "https://www.policecu.com.au/rates/", "https://www.policecu.com.au/terms-conditions/" ] } }, { "product_id": "Business_Savings_Account", "product_name": "Business Savings Account", "product_label": "Business Savings Account", "product_slug": "business-savings-account", "page": "/au/finance/savings-accounts/accounts/police-credit-union-ltd/business-savings-account/", "product_url": "https://www.policecu.com.au/business-lending/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.policecu.com.au/business-lending/#our-business-lending-options-include", "fees_url": "https://www.policecu.com.au/PCUDocuments/Fees_and_Charges_General_Service_Fees.pdf", "eligibility_url": "https://www.policecu.com.au/business-lending/#our-business-lending-options-include", "account_type": "savings", "segments": [ "business" ], "segment": "business", "description": "Available for business, community, and non-personal members", "bonus_is_total": null, "intro_is_total": null, "intro_is_bonus_rate": null, "intro_months": null, "intro_conditions": [], 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"business", "kind": "base", "balance": 50000, "rank": 5, "of": 42 }, { "segment": "business", "kind": "base", "balance": 250000, "rank": 5, "of": 42 } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": true, "payid": true, "payto": false, "bpay": false, "app": true, "notifications": false, "unlimited_transactions": false, "free_transactions": null, "linked_account_required": false, "round_up": false, "joint": null, "joint_bonus": null, "joint_not_for": null, "other": [] }, "feature_tags": [ "app", "Osko", "PayID" ], "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": [], "eligibility": [], "record_stale": false, "source_url": "https://api.policecu.com.au/OpenBanking/cds-au/v1/banking/products/Business_Savings_Account", "source_snapshot": "/au/finance/savings-accounts/v1/source/police-credit-union-ltd/Business_Savings_Account.json", "snapshot_at": "2026-11-12T02:33:25Z", "bank_last_updated": "2026-11-11T15:26:52.000+10:30", "ranked": true, "unranked_reason": null, "row_count": 2, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://www.policecu.com.au/PCUDocuments/Savings_and_Investment_Interest_Rates.pdf", "https://www.policecu.com.au/PCUDocuments/Information_Statements_Standard_Savings_Account.pdf" ] } }, { "product_id": "Focus_Saver_Account", "product_name": "Focus Saver Account", "product_label": "Focus Saver Account", "product_slug": "focus-saver-account", "page": "/au/finance/savings-accounts/accounts/police-credit-union-ltd/focus-saver-account/", "product_url": "https://www.policecu.com.au/product-type/savings-and-investment-accounts/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://www.policecu.com.au/rates/", 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