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GMCU is a mutually owned financial service organisation, servicing the Victoria region. GMCU offers a variety of services in savings accounts, cash management accounts, term deposits, home loans, overdrafts, term loans, personal loans and car insurance. GMCU offers an alternative to the big banks for members in Victoria.
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Last updated 12 December 2024
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Important disclosures
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This table shows a range of products, and we may receive payment if you use the links provided. It does not show all providers or all products from the providers. Mozo is paid a fee by the product issuer if you use a link on our site to go to their site from ours, make an inquiry, or you take out a product with them. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo. You do not pay any extra for using our service.
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Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the Product Disclosure Statement (PDS) or offer documentation, or seeking independent advice. It is also advised to review Target Market Determination(TMD) of products that you are considering. The TMD can be found on the provider's website.
GMCU bank accounts
My Everyday Account
Account fee
$0.00
Payment options
Apple Pay, Google Wallet, PayID, Samsung Pay
Interest rate
0.01
%
p.a.
No Partner link
Standard interest rate
Balances from $1: 0.01% p.a. Balances from $25,000: 0.10% p.a.
Maximum interest rate
-
Maximum rate conditions
n/a
Account fee
$0.00
Payment options
Apple Pay, Google Wallet, PayID, Samsung Pay
What kind of card?
Visa Debit
Access
ATM, EFTPOS, Visa Debit, Cheque book, BPay, Branch access, Bank@Post
ATM networks
atmx
Network ATM fee
$0.75
Over the counter deposit fee
$0.00
Over the counter withdrawal fee
$4.00
EFTPOS fee
$0.75
Phone fee
$0.00
Internet fee
$0.00
Overseas ATM fee
$0.00
Overseas purchase fee
$0.00
Foreign exchange commission
3.00%
Branch access
yes
BPAY
yes
Australia Post banking
yes
Other restrictions
-
Other benefits
-
Fee free transactions
Unlimited free transactions from internet and phone banking. Transaction fees capped at $12 per month.
My Freedom Account
Account fee
$0.00
Payment options
Apple Pay, Google Wallet, PayID, Samsung Pay
Interest rate
2.25
%
p.a.
No Partner link
Standard interest rate
Balances from $1: 0.00% p.a. Balances from $500: 2.25% p.a. Balances from $48,001: 2.25% p.a.
Maximum interest rate
-
Maximum rate conditions
n/a
Account fee
$0.00
Payment options
Apple Pay, Google Wallet, PayID, Samsung Pay
What kind of card?
Visa Debit
Access
ATM, EFTPOS, Visa Debit, Cheque book, BPay, Branch access, Bank@Post
ATM networks
atmx
Network ATM fee
$0.00
Over the counter deposit fee
$0.00
Over the counter withdrawal fee
$0.00
EFTPOS fee
$0.00
Phone fee
$0.00
Internet fee
$0.00
Overseas ATM fee
$0.00
Overseas purchase fee
$0.00
Foreign exchange commission
3.00%
Branch access
yes
BPAY
yes
Australia Post banking
yes
Other restrictions
Available for people aged 55 and over and no longer working full time.
Other benefits
-
Fee free transactions
Unlimited free transactions from ATMs, EFTPOS, branch withdrawals, internet and telephone banking.
My Connect Account
Account fee
$0.00
Payment options
Apple Pay, Google Wallet, PayID, Samsung Pay
Interest rate
0.01
%
p.a.
No Partner link
Standard interest rate
Balances from $1: 0.01% p.a. Balances from $25,000: 0.10% p.a.
Maximum interest rate
-
Maximum rate conditions
n/a
Account fee
$0.00
Payment options
Apple Pay, Google Wallet, PayID, Samsung Pay
What kind of card?
Visa Debit
Access
ATM, EFTPOS, Visa Debit, BPay, Branch access, Bank@Post
ATM networks
atmx
Network ATM fee
$0.00
Over the counter deposit fee
$0.00
Over the counter withdrawal fee
$0.00
EFTPOS fee
$0.00
Phone fee
$0.00
Internet fee
$0.00
Overseas ATM fee
$0.00
Overseas purchase fee
$0.00
Foreign exchange commission
3.00%
Branch access
yes
BPAY
yes
Australia Post banking
yes
Other restrictions
Available for members under 21 years old.
Other benefits
-
Fee free transactions
Unlimited free transactions from ATMs, EFTPOS, branch withdrawals, internet and telephone banking.
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Join the 35K+ subscribers who receive our weekly Moneyzone newsletter, showcasing the latest rate movements, exclusive deals, money-saving hacks, and expert insights from Mozo.
Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.
While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.
Disclaimer
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Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge. As a marketplace business, we do earn money from advertising and this page features products with Go To Site links and/or other paid links where the provider pays us a fee if you go to their site from ours, or you take out a product with them. You do not pay any extra for using our service.
We are proud of the tools and information we provide and unlike some other comparison sites, we also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not.
'Sponsored', 'Hot deal' and 'Featured Product' labels denote products where the provider has paid to advertise more prominently.
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Important information on terms, conditions and sub-limits
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
