{ "brand": "Traditional Credit Union", "brand_label": "Traditional Credit Union", "brand_slug": "traditional-credit-union", "legal_entity_abn": null, "public_base_uri": "https://prd.tcu.com.au", "logo_uri": "https://www.cdr.gov.au/sites/default/files/2022-08/No-logo-available-2.png", "status": "ok", "stale": false, "bank_last_updated": "2026-05-13T14:00:00Z", "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":0.0,"base_rate_pct":0.0,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"S6 Student 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":["age_limited"],"record_stale":true}, {"segment":"personal","kind":"intro","rate_pct":0.0,"base_rate_pct":0.0,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"S6 Student 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":["age_limited"],"record_stale":true}, {"segment":"personal","kind":"base","rate_pct":0.0,"base_rate_pct":0.0,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"S6 Student 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":["age_limited"],"record_stale":true}, {"segment":"business","kind":"ongoing","rate_pct":2.0,"base_rate_pct":2.0,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"S28 Benevolent 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":["organisation_only","region_limited"],"record_stale":true}, {"segment":"business","kind":"intro","rate_pct":2.0,"base_rate_pct":2.0,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"S28 Benevolent 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":["organisation_only","region_limited"],"record_stale":true}, {"segment":"business","kind":"base","rate_pct":2.0,"base_rate_pct":2.0,"bonus_rate_pct":null,"intro_rate_pct":null,"intro_months":null,"product_label":"S28 Benevolent 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":["organisation_only","region_limited"],"record_stale":true} ], "condition_sets": { "k1": [ "not updated by the bank since 2025-10-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "ages 13 to 18", "age 18 and under: When the student turns 19 the account will default to a S1 Everyday account", "members aged 13 to 18; converts to an Everyday (S1) account at 19, which carries a $5 weekly fee" ], "k2": [ "not updated by the bank since 2025-10-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "open only to clubs, not-for-profits, schools or community organisations", "Benevolent Organisations", "for benevolent, not-for-profit or charitable organisations operating in remote Aboriginal communities, not individuals", "organisations operating in remote aboriginal communities" ] }, "unranked": { "products": 6, "transaction_account": 4, "no_rate": 2 } }, "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": "TCU0028", "product_name": "S28 Benevolent Account", "product_label": "S28 Benevolent Account", "product_slug": "s28-benevolent-account", "page": "/au/finance/savings-accounts/accounts/traditional-credit-union/s28-benevolent-account/", "product_url": "https://tcu.com.au/business-banking-2/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://tcu.com.au/wp-content/uploads/2025/10/Account-Access-Facility-Conditions-of-Use-PB-Accounts-v23-011125.pdf", "fees_url": "https://tcu.com.au/wp-content/uploads/2025/10/Business-account-IFC-v10-011125.pdf", "eligibility_url": null, "account_type": "savings", "segments": [ "business" ], "segment": "business", "description": "Day to day transaction account for charitable and 'not for profit' organisations", "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": 1, "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": 0.5, "intro_pct": null, "base_pct": 0.5 }, "250000": { "ongoing_pct": 2.0, "intro_pct": null, "base_pct": 2.0 } }, "rankings": [ { "segment": "business", "kind": "ongoing", "balance": 10000, "rank": 48, "of": 50, "hidden_by_default": true }, { "segment": "business", "kind": "ongoing", "balance": 50000, "rank": 47, "of": 50, "hidden_by_default": true }, { "segment": "business", "kind": "ongoing", "balance": 250000, "rank": 31, "of": 50, "hidden_by_default": true }, { "segment": "business", "kind": "intro", "balance": 10000, "rank": 48, "of": 50, "hidden_by_default": true }, { "segment": "business", "kind": "intro", "balance": 50000, "rank": 48, "of": 50, "hidden_by_default": true }, { "segment": "business", "kind": "intro", "balance": 250000, "rank": 32, "of": 50, "hidden_by_default": true }, { "segment": "business", "kind": "base", "balance": 10000, "rank": 47, "of": 50, "hidden_by_default": true }, { "segment": "business", "kind": "base", "balance": 50000, "rank": 45, "of": 50, "hidden_by_default": true }, { "segment": "business", "kind": "base", "balance": 250000, "rank": 28, "of": 50, "hidden_by_default": true } ], "features": { "card_access": false, "card": null, "digital_wallets": [], "osko": false, "payid": false, "payto": false, "bpay": false, "app": false, "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": [], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": null, "restrictions": [ "organisation_only", "region_limited" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "organisation", "who": "clubs, not-for-profits, schools or community organisations", "level": "product", "quote": "S28 Benevolent Account", "source": "name" }, { "kind": "organisation", "who": "for benevolent, not-for-profit or charitable organisations operating in remote Aboriginal communities, not individuals", "level": "product", "quote": "Benevolent Account (S28) for benevolent, not‑for‑profit or charitable organisations operating in Remote Aboriginal communities.", "source": "https://tcu.com.au/business-banking-2/", "citation": { "quote": "Benevolent Account (S28) for benevolent, not‑for‑profit or charitable organisations operating in Remote Aboriginal communities.", "url": "https://tcu.com.au/business-banking-2/#:~:text=Benevolent%20Account%20%28S28%29%20for%20benevolent%2C,operating%20in%20Remote%20Aboriginal%20communities.", "document_sha256": "9492d205ff610cb14c32768fae0f2d55fbef34467c95a3819bb5ca89bb15df72", "confirmed": "2026-11-13" } }, { "kind": "region", "who": "organisations operating in remote aboriginal communities", "level": "product", "quote": "The product has been designed for benevolent organisations who operate in Remote Aboriginal communities.", "source": "https://tcu.com.au/wp-content/uploads/2025/10/TMD-S28-Benevolent-Account-011125.pdf", "citation": { "quote": "The product has been designed for benevolent organisations who operate in Remote Aboriginal communities.", "url": "https://tcu.com.au/wp-content/uploads/2025/10/TMD-S28-Benevolent-Account-011125.pdf#page=1", "page": 1, "document_sha256": "a2587228a0eebc12cf32f834478805d6b4c171053c034ca3128b36a8650128d9", "confirmed": "2026-11-13" } } ], "open_note": null }, "conditions": [ "not updated by the bank since 2025-10-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "open only to clubs, not-for-profits, schools or community organisations", "Benevolent Organisations", "for benevolent, not-for-profit or charitable organisations operating in remote Aboriginal communities, not individuals", "organisations operating in remote aboriginal communities" ], "eligibility": [ "Benevolent Organisations" ], "record_stale": true, "source_url": "https://prd.tcu.com.au/cds-au/v1/banking/products/TCU0028", "source_snapshot": "/au/finance/savings-accounts/v1/source/traditional-credit-union/TCU0028.json", "snapshot_at": "2026-10-22T13:25:57Z", "bank_last_updated": "2025-10-31T00:00:00.000+11:00", "ranked": true, "unranked_reason": null, "row_count": 5, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://tcu.com.au/business-banking-2/", "https://tcu.com.au/wp-content/uploads/2026/05/Business-Account-IFC-11-1703.pdf", "https://tcu.com.au/wp-content/uploads/2025/10/TMD-S28-Benevolent-Account-011125.pdf", "https://tcu.com.au/wp-content/uploads/2026/05/Account-Information-and-Access-V24-1703.pdf" ] } }, { "product_id": "TCU006", "product_name": "S6 Student Account", "product_label": "S6 Student Account", "product_slug": "s6-student-account", "page": "/au/finance/savings-accounts/accounts/traditional-credit-union/s6-student-account/", "product_url": "https://tcu.com.au/personal-banking-2/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://tcu.com.au/wp-content/uploads/2025/10/Account-Access-Facility-Conditions-of-Use-PB-Accounts-v23-011125.pdfhttps://tcu.com.au/wp-content/uploads/2020/07/Personal-Business-TC-Version-18-0107020.pdf", "fees_url": "https://tcu.com.au/wp-content/uploads/2025/10/Savings-and-Investment-accounts-IFC-v26-011125.pdf", "eligibility_url": null, "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "An account for Students aged between 13 and 18", "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": 1, "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": [ { "segment": "personal", "kind": "ongoing", "balance": 10000, "rank": 90, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "ongoing", "balance": 50000, "rank": 91, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "ongoing", "balance": 250000, "rank": 91, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "intro", "balance": 10000, "rank": 90, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "intro", "balance": 50000, "rank": 91, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "intro", "balance": 250000, "rank": 91, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "base", "balance": 10000, "rank": 89, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "base", "balance": 50000, "rank": 90, "of": 91, "hidden_by_default": true }, { "segment": "personal", "kind": "base", "balance": 250000, "rank": 90, "of": 91, "hidden_by_default": true } ], "features": { "card_access": true, "card": "16", "digital_wallets": [], "osko": false, "payid": false, "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": [ "card", "app" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": 13, "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": "members aged 13 to 18; converts to an Everyday (S1) account at 19, which carries a $5 weekly fee", "level": "product", "quote": "Transaction Account designed for students aged between 13 and 18 years.", "source": "https://tcu.com.au/personal-banking-2/", "citation": { "quote": "Transaction Account designed for students aged between 13 and 18 years.", "url": "https://tcu.com.au/personal-banking-2/#:~:text=Transaction%20Account%20designed%20for%20students,between%2013%20and%2018%20years.", "document_sha256": "0476f6f60c39d2e1b075cd578456ba3e11e9b856c71fe3934930f1d6464ac5cc", "confirmed": "2026-11-13" } } ], "open_note": null }, "conditions": [ "not updated by the bank since 2025-10-31, before the Reserve Bank's cash rate rise of 4 November 2026; check its page, as the rate may have changed", "ages 13 to 18", "age 18 and under: When the student turns 19 the account will default to a S1 Everyday account", "members aged 13 to 18; converts to an Everyday (S1) account at 19, which carries a $5 weekly fee" ], "eligibility": [ "age 18 and under: When the student turns 19 the account will default to a S1 Everyday account" ], "record_stale": true, "source_url": "https://prd.tcu.com.au/cds-au/v1/banking/products/TCU006", "source_snapshot": "/au/finance/savings-accounts/v1/source/traditional-credit-union/TCU006.json", "snapshot_at": "2026-10-22T13:25:57Z", "bank_last_updated": "2025-10-31T00:00:00.000+11:00", "ranked": true, "unranked_reason": null, "row_count": 1, "terms_scan": { "scanned": "2026-11-01", "documents": [ "https://tcu.com.au/personal-banking-2/", "https://tcu.com.au/wp-content/uploads/2025/10/Savings-and-Investment-accounts-IFC-v26-011125.pdf", "https://tcu.com.au/wp-content/uploads/2025/10/Account-Access-Facility-Conditions-of-Use-PB-Accounts-v23-011125.pdf" ] } }, { "product_id": "TCU009", "product_name": "S9 Child account", "product_label": "S9 Child Account", "product_slug": "s9-child-account", "page": "/au/finance/savings-accounts/accounts/traditional-credit-union/s9-child-account/", "product_url": "https://tcu.com.au/personal-banking-2/", "rate_correction": null, "interest_paid_correction": null, "min_balance_correction": null, "terms_url": "https://tcu.com.au/wp-content/uploads/2025/10/Account-Access-Facility-Conditions-of-Use-PB-Accounts-v23-011125.pdf", "fees_url": "https://tcu.com.au/wp-content/uploads/2025/10/Savings-and-Investment-accounts-IFC-v26-011125.pdf", "eligibility_url": null, "account_type": "savings", "segments": [ "personal" ], "segment": "personal", "description": "An account for children from birth to age 12", "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": 1, "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": null, "digital_wallets": [], "osko": false, "payid": false, "payto": false, "bpay": false, "app": false, "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": [ "card" ], "interest_paid": "monthly", "interest_calculated": "daily", "monthly_fee": null, "monthly_fee_note": null, "fees_without_amount": [], "age_min": null, "age_max": 12, "restrictions": [ "age_limited" ], "who_can_open": { "restricted": true, "groups": [ { "kind": "age", "who": "age 12 and under", "level": "product", "quote": "MAX_AGE 12", "source": "feed: eligibility MAX_AGE" }, { "kind": "age", "who": "children from birth to age 12, opened by a parent or guardian; 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