Disclosure statements

Banking doesn’t need to be complicated, but it does come with a certain amount of added information you need to know before you open up a new account or take out a loan.

Most of our products are accompanied by brochures that are designed to give you all of the information you need to make an informed decision in taking out the product. You should read these documents before opening the account, in conjunction with our Financial Services Guide and Privacy Policy. 

New Account & Access Facility Conditions of Use

We’re adopting a new Account and Access Facility Conditions of Use commencing 1 October 2018. You can obtain a copy by downloading it here or asking at any Branch. For Members who joined prior to 1 October 2018, these changes will be effective from 1 December 2018. Banking with us after this date, will be taken as acceptance of these new Conditions of Use.

Important Information

These are very important legal brochures you need to read before you take out one of our products – they cover the really detailed information that applies to the product and any terms and conditions that apply.

• Financial Services Guide
• Fees and Charges
• Privacy Policy
• Credit Guide
• Customer Owned Banking Code of Practice
• Account and Access Facility Conditions of Use

Savings and Transaction Accounts

This information applies to our savings and transaction accounts and related products or services like cards and internet banking. You’ll need to take it into consideration before opening an account.

• Personal Savings and Transaction Accounts
• Digital Wallet Terms of Use

Loans and Credit

If you’re considering taking out a loan or credit card, you’ll need to read these brochures first.

• Home Loans and Lines of Credit
• Personal Loans
• Credit card
• Rewarder Application, Terms and Conditions

Insurance

• General Insurance Code of Practice
• Home Insurance PDS
• Motor Vehicle Insurance PDS
• Caravan Insurance PDS
• Boat Insurance PDS
• Landlord Insurance PDS
• Travel Insurance PDS
  

Foreign Exchange

• Cash Passport PDS
• Drafts PDS

Help

• Financial Hardship Assistance
• Dispute Resolution Process

Prudential Disclosures

In 2008, Prudential Standard ‘APS 330 Capital Adequacy: Public Disclosure of Prudential Information’ became effective. The standard requires financial institutions to make high quality and timely disclosures of information on its risk management and capital adequacy to contribute to the transparency of financial markets and to enhance market discipline.

The documents below provide information relating to Queenslanders’ capital structure, capital adequacy, credit risk exposure, impaired facilities, provisions and write-offs, as required under Australian Prudential Standard 330.

Note: On 1 April 2023 Queenslanders Credit Union merged with Queensland Country Credit Union. To view prudential disclosures since the merger, visit qccu.com.au.

Annual disclosures: 

• APS330 Annual Public Disclosure – 2017
• Remuneration Disclosure – 2016
• Renumeration Disclosure – 2017

Quarterly disclosures:

• APS 330 Capital Adequacy Public Disclosure – Jun 2018
• APS 330 Capital Adequacy Public Disclosure – Mar 2018
• APS 330 Capital Adequacy Public Disclosure – Dec 2017
• APS 330 Capital Adequacy Public Disclosure – Sep 2017

If you can’t view the PDF documents listed above you will need to download Adobe Reader.