Savings account rates › Laboratories Credit Union
Home Loan Offset Account
Laboratories Credit Union
CDR officialNot listed in rate tables
Reduce your mortgage interest with a free 100% offset account
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Applies to | Conditions | Source | Since |
|---|---|---|---|---|
| 0.00% | Variable | CDR | 1 Nov 2026 |
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Anyone can report a value that looks wrong. The row is marked as disputed and keeps its value; when the lender's Consumer Data Right data next changes we check it and remove the mark.
Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/S40_OFFSET_ACCOUNT- Content hash
sha256 86aa9761c6e95546559630d694a99bc5435e5e84dd8e5e7e2f257ae1a470b594- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_86aa9761c6e95546_4ae2b9cbShow details
- Checked
- 1 Nov 2026
- URL
https://internetbanking.lcu.com.au/OpenBanking/cds-au/v1/banking/products/S40_OFFSET_ACCOUNT- Content hash
sha256 86aa9761c6e95546559630d694a99bc5435e5e84dd8e5e7e2f257ae1a470b594- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Card access | Visa Debit Card with payWave | |
| Digital wallet | Use your compatible Apple device to make payments | |
| Digital wallet | Use your compatible Android device to make payments | |
| Digital banking | ||
| Npp payid | ||
| Npp enabled | ||
| Bill payment | Pay bills from this account | |
| Notifications | SMS/Email Alerts - Set up SMS or email alerts for credits, debits, logins to your account and more | |
| Other | Sub accounts - For budgeting purposes, separate your funds into multiple accounts | |
| Other | BPAYView - Receive your bills directly to your internet banking and pay with one click | |
| Other | Sweep Facility - Automatically move funds between your accounts based on a minimum or maximum balance to be maintained on the specified account | |
| Other | Government Guarantee - Under the FCS certain deposits are protected up to a limit of $250,000 for each account holder at any bank, building society, credit union or other authorised deposit-taking institution (ADI) that is incorporated in Australia and authorised by the Australian Prudential Regulation Authority (APRA). | |
| Other | Receive international payment to your account through Western Union. No fee for sender or receiver. | |
| Other | Send International Payments self serve through your internet banking or staff assisted | |
| Other | International exchange on foreign cheques and cash | |
| Other | International purchase foreign draft | |
| Other | International purchase foreign cash | |
| Other | International Prepaid MasterCard Cash Passport | |
| Other | Overdrawn accounts (with a balance below $0.00) will be charged the current lending rate applicable to the account. See Lending Rates above. | |
| Other | Free LCU counter cheque - order a counter cheque online or in person at no cost. | |
| Other | Direct Debit facility available - allow a third party to transfer money from your account, typically to pay bills eg. Phone, energy, gym | |
| Other | Direct Credit facility available - automatically credit your LCU account with funds from another bank account | |
| Other | Card control - Lock and unlock your Visa card with the LCU - Banking App | |
| Other | Periodic Payments - Schedule one off or re-occuring payments from your account | |
| Other | Direct credit allocation - Split your payroll or other regular payments received to your account to different sub accounts. | |
| Eligibility: natural person | ||
| Eligibility: residency status | If not an Australian resident, you must complete a Tax Residency Declaration. Loan Products are restricted to Australian Citizens | |
| Eligibility: other | Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. "Own your Bank". $10 share is refunded if you choose to close your account. | |
| Eligibility: other | To be eligible to join you must be referred by a family member or friend who already has an account with LCU. Alternatively you may be eligible to join if you: work or live in the greater Ryde area; have an association with Riverside Corporate or Macquarie Park; or work in a STEM industry. | |
| Eligibility: other | You must have a mortgage secured loan in the same name as the offset account |
Rate history
| Rate | From | To | Rate p.a. |
|---|---|---|---|
| Variable | 1 Nov 2026 | Current | 0.00% |
Tags
| Tag | Meaning | Effect |
|---|---|---|
quality:no-interest | quality:no-interest | |
out-of-scope | Reason this product is not ranked | |
Registered channels
Lender staff and brokers registered with Homepedia, and the prices available through them. Separate from the product data above: it never changes the lender's rates or the order of any rate table.People registered for this product
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