CSR & Rinker Employees Credit Union is a member owned cooperative. As such, fees or charges are not imposed in order to generate a profit. Most fees are related to recouping some of the expenses that are incurred in providing services to members. By recouping such expenses, the costs of operating the Credit Union can be distributed more fairly.

Please compare these service charges with those of other financial institutions. CSR & Rinker Employees Credit Union’s policy is to adopt a system of rewarding members based on their level of commitment to the Credit Union, and only charging for excess transaction fees.

CHARGEABLE TRANSACTIONS

• ATM withdrawals
• EFTPOS withdrawals
• Member Cheques
• Overseas ATM withdrawals
• Visa Cash Advances

The first 8 of these transactions each month are free.

Excess transaction fees are $1.50 for the 9th to 15th transactions, and $2 for the 16th and subsequent transactions.

Members will only be charged when the excess transaction fees exceed the Loyalty Rebate earned during the month.

MEMBERSHIP LOYALTY REBATES

In addition to the 8 free transactions per month, members earn a Membership Loyalty Rebate which is used to offset any excess transaction fees.

For the first $6,000 in average monthly balance of loans, savings, and investments members receive a $1 transaction credit and an additional $1 for every $1,000 over $6,000.

NON CHARGEABLE TRANSACTIONS

• Visa credit or signed transactions
• BPAY Payments
• Internet Banking transfers & payments
• Telephone Banking transfers & payments
• Payroll Credits
• Direct Credits and Debits
• Cash and/or Cheque Deposits
• Transfers

Members may perform an unlimited number of these transaction types each month without incurring a fee.

The information about fees and charges applicable to loan products is indicative only. A full list of fees and charges will be disclosed in the loan offer document. The information given above is subject to the loan offer document.

Questions?