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Future Start Savings account

The Future Start Savings account is designed to make the challenge of saving while learning and earning more achievable. It’s available exclusively to Members undertaking full-time study or under an Australian apprenticeship, between the ages of 18 and 23.


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ProductInterest rate
Base interest rate
Bonus interest rate
Total interest (all conditions met)
Rates effective 11 February 2024
Monthly fee
Transaction fees may apply*.

Note: The interest rate comprises of 0.01% base rate, with the rest being a bonus rate. To achieve the bonus rate of interest you must deposit at least $5 in a calendar month and make no more than one withdrawal in the same calendar month.

Please be aware that interest rates may change at any time without agreement. All interest rates quoted are per annum. Fees and charges are payable. Terms and conditions apply and are available on request.

Before acquiring this product, the information above should be read in conjunction with the following documents to determine if it is right for you: Personal Savings and Transaction AccountsFees and ChargesFinancial Services GuideDeposit Accounts Conditions of UseDeposit Interest Rates, and Account and Access Facility Conditions of Use

Interest Rate

Interest rate up to

2.50% p.a.


Rates effective 11 February 2019.