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	Minimise Your Credit Card Costs If you find yourself in the situation that you are unable to pay your credit card debt balance off each month then there are steps you can take to reduce your interest charges. .....


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Tips & Tricks

Credit Cards
	Not all credit cards are created equally. And so it makes it that much harder to decide which credit card offer to choose. There are many factors you sh.....


Credit Cards
	Credit Card Balance Transfers

	Watch out for the 'revert rate' on balance transfer offers

	Watch for different interest rates on the one card
HomeLoans
	Don't compare against the so-called 'standard variable rate'

	Look out for 'deferred establishment fees'

Atcall Selector Service

Institution	Product Name	Account Type	Minimum Balance	Interest Rate					Interest Paid	Other Account Access	Compare	Apply
Institution	Product Name	Account Type	Minimum Balance	Rate < $1,000	Rate > $1,000	Rate > $2,000	Rate > $5,000	Rate > $10,000	Interest Paid	Other Account Access	Compare	Apply
You can further compare up to 3 products by checking the boxes and clicking the compare button
NAB	NAB Smart Reward Saver	Savings		0.01%	0.01%	0.01%	0.01%	0.01%	Monthly	\|Counter\|Internet\|Phone\|		Apply
Laiki Bank	Laiki Smart Saver Account	Savings	$1	3.50%	3.50%	3.50%	3.50%	3.50%	Monthly	\|Counter\|Internet\|Phone\|		Apply
ANZ	ANZ Progress Saver	Savings	$10	0.01%	0.01%	0.01%	0.01%	0.01%	Monthly	\|Counter\|Card/ATM\|Internet\|Phone\|		Apply
B&E Ltd	Serious Saver	Savings	$1						Monthly	\|Counter\|Internet\|Phone\|		Apply
Bananacoast Community Credit Union	55 Plus Account S49	Savings					2.70%	2.70%	Monthly	\|Counter\|Card/ATM\|Internet\|Phone\|Resticted\|		Apply
Bananacoast Community Credit Union	Incentive Savings Account - S7	Savings					2.60%	2.60%	Monthly	\|Counter\|Card/ATM\|Internet\|Phone\|		Apply
Bank of Cyprus	Savings Account (Personal incl. Cheque Option)	Savings			0.10%	0.10%	0.10%	0.10%	Monthly	\|Counter\|Card/ATM\|Internet\|Phone\|		Apply
Bank of Queensland	Bonus Interest Savings Account	Savings	$100	0.10%	0.10%	0.10%	0.50%	0.50%	Monthly	\|Counter\|Card/ATM\|Internet\|Phone\|		Apply
BankSA	Power Saver account	Savings	$1	3.15%	3.15%	3.15%	3.15%	3.25%	Monthly	\|Counter\|Card/ATM\|Internet\|Phone\|		Apply
BankSA	Incentive Saver Account	Savings		0.25%	0.25%	0.25%	0.25%	0.25%	Monthly	\|Counter\|Card/ATM\|Internet\|Phone\|		Apply
Bankwest	Instant Saver	Savings	$1	1.00%	1.00%	1.00%	1.00%	1.00%	Monthly	\|Counter\|Card/ATM\|Internet\|Phone\|bank@post\|		Apply
Bankwest	Regular Saver	Savings							Monthly	\|Counter\|Internet\|Phone\|		Apply
Community First Credit Union	Pocket Power	Savings		0.50%	1.50%	1.50%	2.00%	2.50%	Half Yearly	\|Counter\|Internet\|Phone\|		Apply
Community First Credit Union	Bonus Saver	Savings		0.10%	0.10%	0.10%	0.10%	0.10%	Monthly	\|Counter\|Internet\|Phone\|		Apply
Community CPS Australia	Bonus Saver Account	Savings		0.05%	0.05%	0.05%	0.05%	0.05%	Monthly	\|Counter\|Internet\|Phone\|		Apply
CUA	Special Purpose	Savings	$1	0.01%	0.01%	0.01%	0.01%	0.01%	Monthly	\|Counter\|Internet\|Phone\|		Apply
CUA	Bonus Saver	Savings		0.01%	0.01%	0.01%	0.01%	0.01%	Monthly	\|Counter\|Internet\|Phone\|		Apply
Comtax Credit Union	Gold Medal Savings Account (S7)	Savings	$1.00	0.25%	0.25%	0.25%	0.25%	1.75%	Half Yearly	\|Internet\|Phone\|		Apply
Greater Building Society	Access Savings Account	Savings	$1		0.20%	0.20%	0.20%	0.20%	Half Yearly	\|Counter\|Card/ATM\|Internet\|Phone\|		Apply
Greater Building Society	Bonus Saver Account	Savings	$1						Monthly	\|Counter\|Internet\|Phone\|		Apply
Hunter United Credit Union	On Call Savings Account	Savings		0.01%	0.01%	0.01%	0.01%	0.01%	Half Yearly	\|Counter\|Card/ATM\|Internet\|Phone\|		Apply
Hunter United Credit Union	XLR8 Savings Account	Savings		5.50%	5.50%	5.50%	5.50%	5.50%	Monthly	\|Counter\|Card/ATM\|Internet\|Phone\|		Apply
Illawarra Credit Union	Wildlife Saver	Savings	$1	.05%	.05%	.05%	.05%	.05%	Monthly	\|Counter\|		Apply
Illawarra Credit Union	CU+saver	Savings	$1	0.05%	0.05%	0.05%	0.05%	0.05%	Daily	\|Counter\|Card/ATM\|Internet\|Phone\|bank@post\|		Apply
IMB	IMB Balance+ Account	Savings		0.1%	0.1%	0.1%	0.15%	0.15%	Monthly	\|Counter\|Card/ATM\|Internet\|Phone\|		Apply
Austral Credit Union Ltd	Investment Account (S5)	Savings	$1000		0.5%	0.5%	1.75%	1.75%	Daily	\|Counter\|Internet\|Phone\|		Apply
Austral Credit Union Ltd	Target Saver	Savings	$1	2.25%	2.5%	2.5%	3%	3%	Daily	\|Counter\|Internet\|Phone\|		Apply
mecu	Incentive Saver Account	Savings	$1	1.00%	1.00%	1.00%	1.00%	1.00%	Monthly	\|Counter\|Internet\|Phone\|		Apply
Maroondah Credit Union	On Call account	Savings	$10	0.25%	0.25%	0.25%	0.25%	1.9%	Monthly	\|Card/ATM\|		Apply
Newcastle Permanent Building Society	Save Account	Savings							Monthly	\|Counter\|Internet\|Phone\|		Apply
RegionalOne Credit Union	Bonus Saver	Savings		0.10%	0.10%	0.10%	0.10%	0.10%	Monthly	\|Counter\|Internet\|Phone\|		Apply
Police & Nurses	SwiftSaver Account	Savings		0.25%	0.25%	0.25%	0.25%	0.25%	Monthly	\|Internet\|Phone\|		Apply
Police Credit	S14 - 14 Day Notice	Savings	$5000				3.50%	3.50%	Half Yearly	\|Counter\|Internet\|Phone\|Resticted\|		Apply
Police Credit	S8 Bonus Saver	Savings		2.00%	2.00%	2.00%	2.00%	2.00%	Monthly	\|Counter\|Internet\|Phone\|		Apply
Railways Credit Union	Everyday Saver (S22)	Savings		0.50%	0.50%	0.50%	1.50%	1.50%	Monthly	\|Counter\|Card/ATM\|Internet\|Phone\|bank@post\|		Apply
Railways Credit Union	Everyday Saver (S1)	Savings		0.50%	0.50%	0.50%	1.50%	1.50%	Monthly	\|Counter\|Card/ATM\|Internet\|Phone\|bank@post\|		Apply
Savings & Loans Credit Union	Premium Saver	Savings	$1	0.2%	0.2%	0.2%	0.2%	0.2%	Monthly	\|Counter\|Internet\|Phone\|		Apply
Maleny & District Community Credit Union	Serious Saver Account	Savings		2.75%	2.75%	2.75%	2.75%	2.75%	Monthly	\|Counter\|Internet\|Phone\|Other\|		Apply
St. George Bank	Incentive Saver Account	Savings		0.25%	0.25%	0.25%	0.25%	0.25%	Monthly	\|Counter\|Card/ATM\|Internet\|Phone\|bank@post\|		Apply
Westpac	Westpac Student Reward Saver (earn up to 6.20% p.a.)	Savings		1.25%	1.25%	1.25%	1.25%	1.25%	Monthly	\|Counter\|Internet\|Phone\|		Apply
Maleny & District Community Credit Union	Savings Account	Savings		.10%	.10%	.10%	.10%	.10%	Monthly	\|Counter\|Card/ATM\|Internet\|Phone\|Other\|Link to any account\|		Apply
Transcomm Credit Union	Achiever Savings Account	Savings	$200	3.00%	3.00%	3.00%	3.00%	3.00%	Half Yearly	\|Counter\|Phone\|		Apply
Unicom Credit Union	CU+saver	Savings	$1	0.05%	0.05%	0.05%	0.05%	0.05%	Daily	\|Counter\|Card/ATM\|Internet\|Phone\|bank@post\|		Apply
United Community	Bonus Saver Account	Savings		0.05%	0.05%	0.05%	0.05%	0.05%	Monthly	\|Counter\|Internet\|Phone\|		Apply
Victoria Teachers Credit Union	Bonus Saver	Savings		0.05%	0.05%	0.05%	0.05%	0.05%	Monthly	\|Counter\|Internet\|Phone\|		Apply
Teachers Credit Union	Reward Saver Account	Savings		0.10%	0.10%	0.10%	0.10%	0.10%	Monthly	\|Counter\|Internet\|Phone\|		Apply
Sydney Credit Union	Motivator Savings Account	Savings		0.10%	0.10%	0.10%	0.10%	0.10%	Monthly	\|Counter\|Internet\|Phone\|		Apply
St. George Bank	Power Saver (NSW,ACT,SA,NT)(4 month fixed bonus rate)	Savings		3.15%	3.15%	3.15%	3.15%	3.25%	Monthly	\|Counter\|Card/ATM\|Internet\|Phone\|		Apply
IMB	IMB Reward Saver Account (1.00% on top of the standard bonus rate until 31/08/2010 on new accounts in May 2010)	Savings		0.1%	0.1%	0.1%	0.1%	0.1%	Monthly	\|Counter\|Card/ATM\|Internet\|Phone\|		Apply
Capricornia Credit Union	Savings Accumulator	Savings		3.25%	3.25%	3.25%	3.25%	5.25%	Monthly	\|Counter\|Internet\|Phone\|		Apply
Investec Bank	Private Access	Savings	$50,000						Monthly	\|Phone\|		Apply
Horizon Credit Union	Reward Saver	Savings							Monthly	\|Counter\|Internet\|Phone\|		Apply
St. George Bank	Power Saver (QLD,VIC,WA,TAS)(4 month fixed bonus rate)	Savings		4.15%	4.15%	4.15%	4.15%	4.15%	Monthly	\|Counter\|Card/ATM\|Internet\|Phone\|		Apply
MyState Financial	Saver Account	Savings	$1,000		0.25%	1.50%	2.50%	3.00%	Quarterly	\|Counter\|Internet\|Phone\|		Apply
BankSA	Sense Savings Account	Savings	$1	3.60%	3.60%	3.60%	3.60%	3.6%	Monthly	\|Internet\|Phone\|		Apply
Police & Nurses	Budgeting Account	Savings		0.05%	0.05%	0.05%	0.05%	0.05%	Monthly	\|Counter\|Card/ATM\|Internet\|Phone\|bank@post\|		Apply
Investec Bank	Ensure Private Access	Savings	$50,000						Monthly	\|Phone\|		Apply
Savings & Loans Credit Union	Treasure Chest	Savings		0.2%	0.2%	0.2%	0.2%	0.2%	Monthly	\|Counter\|Internet\|Phone\|		Apply
Comtax Credit Union	Ezy Living Axess Account (S5) For members 55 and over	Savings	$1	2.00%	2.00%	2.00%	2.00%	2.00%	Half Yearly	\|Card/ATM\|Internet\|Phone\|		Apply
First Choice Credit Union	On Call Savings	Savings		.1%	.1%	.1%	.1%	.1%	Yearly	\|Counter\|Card/ATM\|Internet\|Phone\|		Apply
Suncorp	Everyday Options Savings Account	Savings		4.75%	4.75%	4.75%	4.75%	4.75%	Monthly	\|Internet\|Phone\|		Apply
Westpac	Westpac Youth Reward Saver (earn up to 6.20%)	Savings		1.25%	1.25%	1.25%	1.25%	1.25%	Monthly	\|Counter\|Internet\|Phone\|		Apply
First Option Credit Union	Bonus Saver	Savings	$1.00	3.75%	3.75%	3.75%	4.00%	4.00%	Monthly	\|Counter\|Internet\|Phone\|		Apply
B&E Ltd	Loan Saver	Savings	$1						Monthly	\|Counter\|Internet\|Phone\|		Apply
Commonwealth Bank	AwardSaver Account (Bonus rate paid until 30 June 2011)	Savings		3.01%	3.01%	3.01%	3.01%	3.01%	Quarterly	\|Counter\|Card/ATM\|Internet\|Phone\|bank@post\|		Apply
Newcastle Permanent Building Society	Rapid Saver Passbook Account	Savings							Monthly	\|Counter\|Internet\|Phone\|		Apply
Newcastle Permanent Building Society	Rapid Saver Statement Account	Savings							Monthly	\|Counter\|Card/ATM\|Internet\|Phone\|Other\|Link to any account\|		Apply
Westpac	Westpac Reward Saver (earn up to 6.20% p.a.)	Savings		1.25%	1.25%	1.25%	1.25%	1.25%	Monthly	\|Counter\|Card/ATM\|Internet\|Phone\|		Apply

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