Where banking matters
A little extra when you need it
Unsecured Personal Overdraft
Only pay interest on what you use
Your personal overdraft can help you meet unexpected expenses.
You’ll pay interest on the money you use but it won’t cost anything if you don’t use it.
You’ll pay interest on the money you use but it won’t cost anything if you don’t use it.
Linked to your transaction account
It’s connected to your transaction account, so you can easily access amounts ranging from $500 to $10,000 depending on your limit.
It’s easy to access
You can access your overdraft the same way you access funds in your transaction account. For example, using your digital wallet or your visa debit card, internet banking and the FSCU app.
You can view the details of your Personal Overdraft anytime via internet banking and the FSCU app.
You can view the details of your Personal Overdraft anytime via internet banking and the FSCU app.
You have $500 in your account and you need to pay for $1,000 of expenses. You pay your expenses – using your funds of $500 and $500 of your overdraft. Once you receive $1,000 salary payment, you’ll have $500 of your own funds left after paying off your $500 overdraft.
Any money you put into your transaction account is automatically used to repay your overdraft balance – such as your salary, transfers and other deposits.
Your overdraft is ongoing, so you can access it whenever you need it. However, keep in mind that paying it back quickly will minimise your fees and interest charges.
Unsecured Personal Overdraft
Interest Rate 10.95% p.a.
Calculated daily on the money you use and charged monthly
Application fee $100
Credit eligibility criteria, terms and conditions, fees and charges apply. These may change or we may introduce new features or fees and charges in the future. Full details and General Terms and Conditions are on our website or on request.
Fire Service Credit Union Ltd, 22 Chancery Lane Adelaide SA 5000 08 8227 2222 [email protected] visit www.fscu.com.au.
Fire Service Credit Union Ltd ABN 17 087 651 152 AFSL and Australian Credit Licence 237515