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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 7 July 2025
Important disclosures
GMCU bank accounts
My Everyday Account
Account fee
$0.00
Payment options
Apple Pay, Google Pay, 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 Pay, 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
$0.75
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 Pay, PayID, Samsung Pay
Interest rate
2.00
%
p.a.
No Partner link
Standard interest rate
Balances from $1: 0.00% p.a. Balances from $500: 2.00% p.a. Balances from $48,001: 2.00% p.a.
Maximum interest rate
-
Maximum rate conditions
n/a
Account fee
$0.00
Payment options
Apple Pay, Google Pay, 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 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 Pay, 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 Pay, 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.
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