Name: BCU Bank savings account
Brand: BCU Bank
Rating: 4.2 (93 reviews)

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Compare BCU Bank savings accounts
BCU Bank savings accounts as rated by customers
BCU Bank savings accounts reviews by customers

bcu is a division of Police & Nurses Limited following the successful merger between Bananacoast Community Credit Union Ltd and Police & Nurses Limited. bcu offers a range of savings accounts for different ages and needs, including the Scoots Super Saver account.

Last updated 1 May 2025 Important disclosures

Boss Saver
Maximum rate

5.00 % p.a.
(for $0 to $100,001)

Minimum $500 deposited into linked transaction account, and 5 Visa Card transactions from that account

Standard rate

0.45 % p.a.
(for $0 and over)

Go to site
- Bonus interest for the first four months
- No minimum balance, ongoing fees or withdrawal penalties
- Manage your money easily on the BCU Bank app
Standard rate

Balances from $0: 0.45% p.a.

Maximum rate

Balances from $0: 5.00% p.a.
Balances from $100,001: 0.45% p.a.

Maximum rate conditions

Minimum of $500 deposited into a linked BCU Access Account, and at least 5 eligible Visa Card transactions made from that linked account.

Interest paid

Monthly

Account fee per month

$0.00

Access

BPay, Branch access, Internet banking

Kids ages

-

Minimum balance

$0.00

Other restrictions

-

Other benefits

-

Go to site
Bonus Saver
Maximum rate

4.75 % p.a.
(for $0 and over)

Standard rate

0.25 % p.a.
(for $0 and over)

Go to site
- Bonus interest for the first four months
- No minimum balance, ongoing fees or withdrawal penalties
- Manage your money easily on the BCU Bank app
Standard rate

Balances from $0: 0.25% p.a.

Maximum rate

Balances from $0: 4.75% p.a.

Maximum rate conditions

Bonus rate for the first 4 months from account opening.

Interest paid

Monthly

Account fee per month

$0.00

Access

BPay, Branch access, Internet banking

Kids ages

-

Minimum balance

$0.00

Other restrictions

-

Other benefits

-

Go to site
iSaver
Maximum rate

3.05 % p.a.
(for $250,000 and over)

Standard rate

0.00 % p.a.
(for $0 to $1,000)

No Partner link

Standard rate

Balances from $0: 0.00% p.a.
Balances from $1,000: 2.60% p.a.
Balances from $20,000: 3.00% p.a.
Balances from $250,000: 3.05% p.a.

Maximum rate

-

Maximum rate conditions

n/a

Interest paid

Monthly

Account fee per month

$0.00

Access

Internet banking

Kids ages

-

Minimum balance

$0.00

Other restrictions

Must hold a bcu access product.

Other benefits

-
Scoot Super Saver
Maximum rate

2.50 % p.a.
(for $0 to $50,000)

Standard rate

2.50 % p.a.
(for $0 to $50,000)

No Partner link

Standard rate

Balances from $0: 2.50% p.a.
Balances from $50,000: 1.40% p.a.

Maximum rate

-

Maximum rate conditions

n/a

Interest paid

Monthly

Account fee per month

$0.00

Access

ATM, EFTPOS, Branch access, Internet banking

Kids ages

Up to 12

Minimum balance

$0.00

Other restrictions

-

Other benefits

-

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BCU Bank savings account ratings

Overall customer rating for BCU Bank savings accounts

4.2

Price
3.8
Features
3.4
Customer service
4.2
Convenience
4.0
Trust
4.3

Based on 93 product reviews.

Customer reviews

L

Lea

Queensland - about 1 year ago

4.0

Good rates, easy to open through app

Strong rates for their term deposits products. Easy to open if you are a customer through their app.
- Price
  
  5.0
- Features
  
  4.5
- Service
  
  4.0
- Convenience
  
  3.5
- Trust
  
  4.5
E

Elizabeth

Queensland - about 1 year ago

5.0

Bonus Saver - high interest! Recommend

BCU Bank's Bonus Saver is a great option for savings and a high interest rate means for money back in my pocket! Very helpful team and easy to use website. I love that they are customer owned too, not like the big banks.
- Price
  
  5.0
- Features
  
  5.0
- Service
  
  5.0
- Convenience
  
  5.0
- Trust
  
  5.0
J

Jessika

Queensland - over 1 year ago

5.0

Personalised financial services and competitive

BCU offers personalised services and competitive rates on savings accounts. Limited locations and limited online banking features compared to larger institutions. I have to travel over 1 hour to get to a BCU bank.
- Price
  
  5.0
- Features
  
  5.0
- Service
  
  5.0
- Convenience
  
  3.5
- Trust
  
  5.0

BCU Bank products

Savings account quick links

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BCU Bank savings accounts

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Boss Saver

Bonus Saver

iSaver

Scoot Super Saver

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BCU Bank savings account ratings

Customer reviews

Good rates, easy to open through app

Bonus Saver - high interest! Recommend

Personalised financial services and competitive

BCU Bank products

Savings account quick links

Today's savings account rates

Important disclosures

Important disclosures

Disclaimer

Who we are and how we get paid

Disclaimer

Important information on terms, conditions and sub-limits