Firefighters Credit Co-operative offers a range of savings and investment accounts to make saving your money easier.


Firefighters Credit Co-operative's outstanding service and commitment to members through our day to day banking is helping you purchase your home.

Firefighters Credit Co-operative Bonus Saver Account is an at call savings account . It offers a bonus interest rate if no withdrawls are made in a month. If a withdrawl is made in the monththe bonus rate will not applyfor the entire month. It has been designed to maximize your earnings

Some access methods, such as cards cannot be linked to a Bonus Saver Account

Interested!!!!  Please contact the office on 1300 366 350 or 03 8417 1777 for further information and a copy of the information brochure.

This account is the everyday savings account and is totally accessible through your Visa debit card. It is accessible via the telephone banking & Firenet Internet Banking System for all bill paying services. Cheque accounts for members operate on this everyday account. Salaries and direct credits and debits can also be processed within this account.

Interest is calculated on the minimum monthly balance and is credited March, June, September and December each year.

Automatic weekly deposits into your Christmas Club will make the most expensive time of the year a lot easier.

The first business day in December your Christmas Club funds plus interest will be credited to your nominated savings account for easy access.

A Cash Maximizer Accounts pays a higher than ordinary rate of interest whilst still having your funds available at call.

There is a $2000 minimum balance and a tiered interest rate structure applies. When your balance reaches a higher tiered plateau, the rate of interest applicable changes and will apply to the whole balance.

All access facilities can be used on this account. Funds can be obtained over the counter, via Phone & Firenet Internet Banking, using your Visa Card and via your member cheque book.

A great way to keep your savings and bill money totally separate and at the same time its earning interest. Weekly deposits into S8 can cater for all those expected and sometimes unexpected bills that come in from time to time.

Like the S1 account the S8 account is available to all the Phone Banking & Firenet Internet Banking options including our bill paying facilities.

Interest is calculated on the minimum monthly balance and is credited March, June, September and December each year.

Firefighters Credit Co-operative's outstanding service and commitment to members is now directed towards helping our members children start their savings journey, by having a dedicated children account.

Transactional account for retirees

Firefighters Credit Co-operative Golden Helmet account has been designed to maximize your earnings while your account maintains the minimum amount of $25,000.00.

If your account remains above the minimum amount of $25,000.00 transactional fees will not apply. The only fees that would be charged are Foreign Currency Fees which would be charged at a lower rate of 0.5% and Swift payment fees as listed in our Fees and Charges brochure.

This is a perfect account for people who know how to take control of their funds no matter what age you are when you decide to retire. No fixed terms means that your every day needs to access cash and payment services are always available without any penalties being attracted.

This account combines the benefit of a savings account with an interest rate that will always match our lowest Term Deposit rate and we will notify you if there is a change in the rate in compliance with the requirements of the Mutual Banking Code of Practice.If the balance falls below the minimum amount the interest rate will revert to our standard S1 account for the period the amount remains below the minimum required balance.

You will still have the ease of access of a transaction account using ATM & EFTPOS, online, phone banking and the option of a cheque book if required. Direct Charging fees may apply to ATM & EFTPOS transactions .

If the balance falls below $25,000.00 all standard fees and charges as per our fees & charges brochure will apply for the whole month.

pdfGolden Helmet new account application

Should you have any further questions please click here to This email address is being protected from spambots. You need JavaScript enabled to view it. us.


Put your savings to work and BREAK down your mortgage loan.

Want to reduce your loan term, save interest on your mortgage loan and reduce the taxable interest on your savings? Then you need the Mortgage Breaker account!

The Mortgage Breaker account is a unique savings account. It "offsets" 100% of your savings balance against your Mortgage Breaker L59 home loan, before your mortgage loan interest is calculated. This reduces the amount of interest you pay and may shorten the term of your mortgage loan by many years.

As the balance in your Mortgage Breaker savings account is offset against your Mortgage Breaker L59 home loan, rather than earning interest, there is no interest to tax, so not only are you reducing the amount of interest you pay on your home loan, you are also reducing the taxable interest on your savings.

Your savings are always at call. Funds are not locked up in the Mortgage Breaker account, so if you need cash your savings are available at call.

Additional features include:

  • Access to your savings with a VISA debit card
  • Issuing your own Member Cheques
  • Electronic payroll (and other credits!) deposits
  • Regular Direct Debits (gas, phone, electricity, etc)
  • Firenet internet banking availability
  • Telephone banking
  • BPay facility
  • eStatements

A Mortgage Breaker account can be used to offset your savings against either a new or an existing Mortgage Breaker L59 home loan. There is no minimum amount required in your savings account to obtain the benefit of the offset, however the more you keep in your Mortgage Breaker savings account, the more dramatic the reduction of your home loan.

For as long as you have your Mortgage Breaker L59 home loan, you can use your Mortgage Breaker savings account as the "only" bank account you will need. 
If you would like to find out more information about the Mortgage Breaker account please This email address is being protected from spambots. You need JavaScript enabled to view it. or call us 03 8417 1777 or 1300 366 350.

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