Offset Account

Mortgage Offset Account / Transaction Account

Link your home loan and reduce the amount of interest you pay on your home loan


  • Ulimited Transactions^
  • Attach a Visa Debit Card
  • Over the Counter Access
  • PayID Compatible 
  • 24 hour access via Internet Banking or Mobile Phone App 
  • Send and Receive NPP/ Osko Payments
  • Apple Pay, Google Pay or Samsung Pay available 
  • Direct debit facilities available
  • Direct crediting of salaries, payments, dividends
  • Ability to set up automatic periodical payments from your account
  • Interest calculated daily and credited monthly

^ transactions include EFTPOS, Visa, ATM cash transactions, BPAY, direct debit, OSKO/NPP Payments, cash withdrawals, staff assisted transfers and online transfers



  • Any CMCU Home Loan Account Holder


  • The credit balance of this account is offset daily against the outstanding loan balance, reducing the interest payable on that loan.

To find out more about our Offset account, contact our branch on (03) 5744 3713 or

To find out more, view our current Interest rates or Rewards, Fees & Charges
or Disclosure Statements or contact our branch.