Queensland Country Credit Union April 2013 Newsletter

Product in Focus

Mortgage offset account

QUEENSLAND COUNTRY CREDIT UNION

Lower premium rises* Increased ^ benefits

are you using yours correctly?

Did you know that if you use your 100% mortgage offset account with Queensland Country effectively you could save thousands over the life of your loan?

Here are some simple tips: • Have a good budget and stick to it.

• Ensure you have allocated sufficient income to cover your budgeted expenses • Deposit all of your income into your mortgage offset account and use your QCCU credit card to pay for all your day-to-day expenses. This allows you to utilise the up to 55 days interest free period of your credit card and by setting up an automatic monthly payment to pay off the

Newsletter

OUR HEALTH FUND HAS

card’s outstanding balance in full each month, you can avoid paying any interest on your credit card.

• By parking your income in your offset account and using your credit card effectively you can reduce your outstanding loan balance for longer each month and reduce the amount of interest you pay on your home loan.

• If you stick to your budget and don’t spend more than you earn, your savings will grow in your offset account – This may also allow you to pay off your loan even sooner.

Switch today!

Reminders OF BSB When making payments into a Queensland Country Credit Union account, remember to use our BSB, your membership number, and the correct account name.

nsure your income is greater E then your budgeted costs

figures February 2012

February 2013

Assets

$1,098m

$1,174m

Loans

$925m

$983m

Deposits

$989m

$1,049m

Visit Your local branch (check our website for your closest branch details)

Web www.qccu.com.au

Email

1800 075 078

Mail P.O. Box 679 Aitkenvale Qld 4814

Mobile Banking mobile.qccu.com.au

ay off your cards outstanding P balance each month

our savings will grow in your Y offset account

* Based on industry average premium increases for the period 2010 to 2013 http://health. gov.au/internet/main/publishing.nsf/Content/privatehealth-average-premium-round

nd you don’t have to pay tax on A the money you save in the offset account because you are saving interest not earning it

DISCLAIMER: The information provided in this article is for information purposes only and does not constitute professional financial advice. You should consult a financial advisor and review of the product information brochures before taking on any of the products mentioned in this article.

Australian Credit Licence 244 533

^ Increased benefits payable for dental crowns and occupational therapy.

better health cover shouldn’t hurt

2

1800 813 415 qldcountryhealth.com.au Queensland Country Health Fund Ltd. ABN 18 085 048 237

peop matt le moster

At a glance

Contact Centre

D eposit all your income into your mortgage offset account and use your credit card to pay your bills

IN THIS ISSUE

Our BSB is 704 640.

info@qccu.com.au

Have a good budget and stick to it

APRIL / 2013

When considering any Queensland Country financial product or service mentioned in this newsletter you should obtain the relevant Product Disclosure Statement, Product Information Brochure, Terms and Conditions, and Fees & Charges Brochure which are available from any Queensland Country Credit Union Branch. Fees and charges may apply to products. Normal lending criteria applies to loans.

Queensland Country Credit Union Limited.

ABN 77 087 651 027 AFSL/ACL 244 533 Queensland Country Health Fund Ltd. ABN 18 085 048 237

1 2 3

PAGE

PAGE

PAGE

NEW Deeragun

branch

Queensland Country has rolled out its new look branch style with the opening of their Deeragun branch in Townsville last month.

The branch, constructed with people and service at the centre of its design, showcases the new look and feel of the business which has always been focussed on people.

When Queensland Country launched in 1971 the focus was on people, choice and giving community a more personalised approach to banking.

The new look Townsville branch has embraced all things old and made them new again. With features like a dedicated community corner, educational hubs for Members, an open plan design and bold brand statements throughout, the branch provides for a more customised and down to earth experience for visitors.

Deeragun Branch Manager Kerry Young said staff and Members were thrilled with the new layout and she encouraged locals to pop in for a visit.

1800 075 078 qccu.com.au

From the CEO’s desk Mortgage offset account Out and about

1

Balance Banking

FROM the

CEO’s desk

QUEENSLAND COUNTRY CREDIT UNION | NEWSLETTER APRIL 2013

Queensland Country has been supporting calls to conduct an independent inquiry into the banking sector in Australia. The four major banks currently dominate market share, and we believe that it’s time to review why that is the case.

Institutions such as Queensland Country are fully regulated by the Australian Prudential Regulation Authority, covered by the same government guarantee of deposits (the Financial Claims Scheme)

and offer a vastly better customer experience, yet come up against significant barriers compared to major banks. An example of that is the build up of franking credits from taxation paid over the years by the Credit Union. We believe we should be able to distribute franking credits back to our Members, as the banks do for their shareholders. After all, our Members are our shareholders!

particularly pleased to see the branch incorporate facilities that encourage community groups to use the branch more actively. Building this capability into our branches reinforces our place as a financial institution that has grown out of community needs, and remains firmly committed to contributing to giving back to make our communities even better.

ATM expanded network Don’t forget you can save on fees with your cards by using any of our partnered Westpac group ATMS which are now free within the limits of your accounts. Check out all the details on qccu.com.au

Aileen Cull Chief Executive Officer

Comm u n R e m i n d e ity G rants r about clos i ng Just a frien date dly remind

er that app community lications fo grants clos r e on Friday If your notMay 10 20 for-profit g 13. roup, club seeking fun or organisa ding assista ti on is nce to com which bene plete a pro fits your loc ject al commun qccu.com.a ity, please u to find ou vi sit t more.

to achieve more competition and choice for consumers and banking rules that give everyone a fair go,” she said.

The ‘Balance Banking’ campaign is backed by consumer research showing banking competition is a major issue for Australian voters.

• A lmost 80% believe the big banks make excessive profits.

Credit Union CEO Aileen Cull said the polling by D&M research of 1000 Australian voters revealed two out of three want an independent inquiry into the country’s banking system.

If you would like to support the ‘Balance Banking’ campaign visit www.balancebanking.com.au This month, you will read about our newest branch, opened at Deeragun in Townsville. This branch utilises new concepts in branch design that we will progressively introduce across our branch network. In addition to utilising the latest technologies, I am

Queensland Country Credit Union has lent its voice to a new national campaign to change the face of banking in Australia.

YOUR “SMALL” BANK MIGHT HAVE A BIG SECRET. DO YOU KNOW WHO YOU’RE REALLY BANKING WITH? Many Australians aren’t aware that most of the big 4 banks own some of their “competitors”.

Do you think this concentration of ownership is a good thing?

Most Australians don’t.

“The research shows that many Australians are concerned about banking competition,” she said.

“An independent inquiry will leave us all better placed to compete in a stronger financial system.”

“We’ll certainly be having a say and encouraging our customers to do the same

In fact 2 out of 3 support an independent inquiry into banking.* Help change the face of banking and give banking competition the balance it deserves.

Protect your PIN

Follow the movement or have your say at :

BALANCE BANKING.COM.AU * 2012 Independent Research of 1000 Australians.

ever record your PIN on your card or on N anything near your card Never tell anyone your PIN Never lend your card to anyone Never leave your card unattended

Changing rates Keep up to date with our current interest rates by visiting qccu.com.au

ry to prevent anyone else seeing you enter your PIN into T an ATM or EFTPOS device on’t choose a PIN that is easily identifiable D (i.e. your date of birth)

The research also showed:

• 6 5% say there is not enough competition in the Australian banking system.

Disaster support options with Queensland Country Heading out of cyclone season for 2013, it is a good time to remind Members that Queensland Country Credit Union offer a range of disaster support solutions for Members should they be struck by unexpected and severe weather events.

We have personally contacted all Members hit by the latest disaster in Queensland to let them know what we can do to help. If you’d like to find out more visit qccu.com.au

Y A P B

li n e rst i n s? fi r b ill ar e you you ay to p bills is r u o y Paying ith B PAY w d easier time an

• 7 1% agree the big four banks have an unfair advantage in the mortgage market.

ry line eve in ple t s r fi one sim in Be the ls il b d e your enslan manag on Que n Y A P You ca ith B nking. a step w b e n r y’s onli obile fo Countr your m m o fr PAY even B yees. hed pa s li b a t es

Australians can join the campaign online and read the consumer research findings at www.balancebanking.com.au.

We encourage you to “Like” Queensland Country Credit Union on Facebook to share your story on why you chose a credit union over a bank. It is also a great site to keep up to date with the latest news, special offers and general updates from our communities.

t u o b a d n a Out Staff across the state have been taking the bank to the people with stalls, forums and lunches held at various work sites and community hubs over the past few months.

From educational events, to bringing together the experts you need to find out everything about buying a home, to cooking up snags on worksites, our staff have been doing mobile banking the old fashioned way.

Contact your local branch if you are interested in finding out what we can do in your workplace, to organise a school tour of your local branch or to register your interest in a local educational forum.

If you believe your card or PIN record has been lost, stolen or compromised, report it immediately.

During business hours, contact your nearest Credit Union branch. Outside business hours, contact the Australia-wide 24hr Emergency Card Hot Line on freecall 1800 621 199.

4

Product in Focus

Mortgage offset account

QUEENSLAND COUNTRY CREDIT UNION

Lower premium rises* Increased ^ benefits

are you using yours correctly?

Did you know that if you use your 100% mortgage offset account with Queensland Country effectively you could save thousands over the life of your loan?

Here are some simple tips: • Have a good budget and stick to it.

• Ensure you have allocated sufficient income to cover your budgeted expenses • Deposit all of your income into your mortgage offset account and use your QCCU credit card to pay for all your day-to-day expenses. This allows you to utilise the up to 55 days interest free period of your credit card and by setting up an automatic monthly payment to pay off the

Newsletter

OUR HEALTH FUND HAS

card’s outstanding balance in full each month, you can avoid paying any interest on your credit card.

• By parking your income in your offset account and using your credit card effectively you can reduce your outstanding loan balance for longer each month and reduce the amount of interest you pay on your home loan.

• If you stick to your budget and don’t spend more than you earn, your savings will grow in your offset account – This may also allow you to pay off your loan even sooner.

Switch today!

Reminders OF BSB When making payments into a Queensland Country Credit Union account, remember to use our BSB, your membership number, and the correct account name.

nsure your income is greater E then your budgeted costs

figures February 2012

February 2013

Assets

$1,098m

$1,174m

Loans

$925m

$983m

Deposits

$989m

$1,049m

Visit Your local branch (check our website for your closest branch details)

Web www.qccu.com.au

Email

1800 075 078

Mail P.O. Box 679 Aitkenvale Qld 4814

Mobile Banking mobile.qccu.com.au

ay off your cards outstanding P balance each month

our savings will grow in your Y offset account

* Based on industry average premium increases for the period 2010 to 2013 http://health. gov.au/internet/main/publishing.nsf/Content/privatehealth-average-premium-round

nd you don’t have to pay tax on A the money you save in the offset account because you are saving interest not earning it

DISCLAIMER: The information provided in this article is for information purposes only and does not constitute professional financial advice. You should consult a financial advisor and review of the product information brochures before taking on any of the products mentioned in this article.

Australian Credit Licence 244 533

^ Increased benefits payable for dental crowns and occupational therapy.

better health cover shouldn’t hurt

2

1800 813 415 qldcountryhealth.com.au Queensland Country Health Fund Ltd. ABN 18 085 048 237

peop matt le moster

At a glance

Contact Centre

D eposit all your income into your mortgage offset account and use your credit card to pay your bills

IN THIS ISSUE

Our BSB is 704 640.

info@qccu.com.au

Have a good budget and stick to it

APRIL / 2013

When considering any Queensland Country financial product or service mentioned in this newsletter you should obtain the relevant Product Disclosure Statement, Product Information Brochure, Terms and Conditions, and Fees & Charges Brochure which are available from any Queensland Country Credit Union Branch. Fees and charges may apply to products. Normal lending criteria applies to loans.

Queensland Country Credit Union Limited.

ABN 77 087 651 027 AFSL/ACL 244 533 Queensland Country Health Fund Ltd. ABN 18 085 048 237

1 2 3

PAGE

PAGE

PAGE

NEW Deeragun

branch

Queensland Country has rolled out its new look branch style with the opening of their Deeragun branch in Townsville last month.

The branch, constructed with people and service at the centre of its design, showcases the new look and feel of the business which has always been focussed on people.

When Queensland Country launched in 1971 the focus was on people, choice and giving community a more personalised approach to banking.

The new look Townsville branch has embraced all things old and made them new again. With features like a dedicated community corner, educational hubs for Members, an open plan design and bold brand statements throughout, the branch provides for a more customised and down to earth experience for visitors.

Deeragun Branch Manager Kerry Young said staff and Members were thrilled with the new layout and she encouraged locals to pop in for a visit.

1800 075 078 qccu.com.au

From the CEO’s desk Mortgage offset account Out and about

1

Balance Banking

FROM the

CEO’s desk

QUEENSLAND COUNTRY CREDIT UNION | NEWSLETTER APRIL 2013

Queensland Country has been supporting calls to conduct an independent inquiry into the banking sector in Australia. The four major banks currently dominate market share, and we believe that it’s time to review why that is the case.

Institutions such as Queensland Country are fully regulated by the Australian Prudential Regulation Authority, covered by the same government guarantee of deposits (the Financial Claims Scheme)

and offer a vastly better customer experience, yet come up against significant barriers compared to major banks. An example of that is the build up of franking credits from taxation paid over the years by the Credit Union. We believe we should be able to distribute franking credits back to our Members, as the banks do for their shareholders. After all, our Members are our shareholders!

particularly pleased to see the branch incorporate facilities that encourage community groups to use the branch more actively. Building this capability into our branches reinforces our place as a financial institution that has grown out of community needs, and remains firmly committed to contributing to giving back to make our communities even better.

ATM expanded network Don’t forget you can save on fees with your cards by using any of our partnered Westpac group ATMS which are now free within the limits of your accounts. Check out all the details on qccu.com.au

Aileen Cull Chief Executive Officer

Comm u n R e m i n d e ity G rants r about clos i ng Just a frien date dly remind

er that app community lications fo grants clos r e on Friday If your notMay 10 20 for-profit g 13. roup, club seeking fun or organisa ding assista ti on is nce to com which bene plete a pro fits your loc ject al commun qccu.com.a ity, please u to find ou vi sit t more.

to achieve more competition and choice for consumers and banking rules that give everyone a fair go,” she said.

The ‘Balance Banking’ campaign is backed by consumer research showing banking competition is a major issue for Australian voters.

• A lmost 80% believe the big banks make excessive profits.

Credit Union CEO Aileen Cull said the polling by D&M research of 1000 Australian voters revealed two out of three want an independent inquiry into the country’s banking system.

If you would like to support the ‘Balance Banking’ campaign visit www.balancebanking.com.au This month, you will read about our newest branch, opened at Deeragun in Townsville. This branch utilises new concepts in branch design that we will progressively introduce across our branch network. In addition to utilising the latest technologies, I am

Queensland Country Credit Union has lent its voice to a new national campaign to change the face of banking in Australia.

YOUR “SMALL” BANK MIGHT HAVE A BIG SECRET. DO YOU KNOW WHO YOU’RE REALLY BANKING WITH? Many Australians aren’t aware that most of the big 4 banks own some of their “competitors”.

Do you think this concentration of ownership is a good thing?

Most Australians don’t.

“The research shows that many Australians are concerned about banking competition,” she said.

“An independent inquiry will leave us all better placed to compete in a stronger financial system.”

“We’ll certainly be having a say and encouraging our customers to do the same

In fact 2 out of 3 support an independent inquiry into banking.* Help change the face of banking and give banking competition the balance it deserves.

Protect your PIN

Follow the movement or have your say at :

BALANCE BANKING.COM.AU * 2012 Independent Research of 1000 Australians.

ever record your PIN on your card or on N anything near your card Never tell anyone your PIN Never lend your card to anyone Never leave your card unattended

Changing rates Keep up to date with our current interest rates by visiting qccu.com.au

ry to prevent anyone else seeing you enter your PIN into T an ATM or EFTPOS device on’t choose a PIN that is easily identifiable D (i.e. your date of birth)

The research also showed:

• 6 5% say there is not enough competition in the Australian banking system.

Disaster support options with Queensland Country Heading out of cyclone season for 2013, it is a good time to remind Members that Queensland Country Credit Union offer a range of disaster support solutions for Members should they be struck by unexpected and severe weather events.

We have personally contacted all Members hit by the latest disaster in Queensland to let them know what we can do to help. If you’d like to find out more visit qccu.com.au

Y A P B

li n e rst i n s? fi r b ill ar e you you ay to p bills is r u o y Paying ith B PAY w d easier time an

• 7 1% agree the big four banks have an unfair advantage in the mortgage market.

ry line eve in ple t s r fi one sim in Be the ls il b d e your enslan manag on Que n Y A P You ca ith B nking. a step w b e n r y’s onli obile fo Countr your m m o fr PAY even B yees. hed pa s li b a t es

Australians can join the campaign online and read the consumer research findings at www.balancebanking.com.au.

We encourage you to “Like” Queensland Country Credit Union on Facebook to share your story on why you chose a credit union over a bank. It is also a great site to keep up to date with the latest news, special offers and general updates from our communities.

t u o b a d n a Out Staff across the state have been taking the bank to the people with stalls, forums and lunches held at various work sites and community hubs over the past few months.

From educational events, to bringing together the experts you need to find out everything about buying a home, to cooking up snags on worksites, our staff have been doing mobile banking the old fashioned way.

Contact your local branch if you are interested in finding out what we can do in your workplace, to organise a school tour of your local branch or to register your interest in a local educational forum.

If you believe your card or PIN record has been lost, stolen or compromised, report it immediately.

During business hours, contact your nearest Credit Union branch. Outside business hours, contact the Australia-wide 24hr Emergency Card Hot Line on freecall 1800 621 199.

4

1

Balance Banking

FROM the

CEO’s desk

QUEENSLAND COUNTRY CREDIT UNION | NEWSLETTER APRIL 2013

Queensland Country has been supporting calls to conduct an independent inquiry into the banking sector in Australia. The four major banks currently dominate market share, and we believe that it’s time to review why that is the case.

Institutions such as Queensland Country are fully regulated by the Australian Prudential Regulation Authority, covered by the same government guarantee of deposits (the Financial Claims Scheme)

and offer a vastly better customer experience, yet come up against significant barriers compared to major banks. An example of that is the build up of franking credits from taxation paid over the years by the Credit Union. We believe we should be able to distribute franking credits back to our Members, as the banks do for their shareholders. After all, our Members are our shareholders!

particularly pleased to see the branch incorporate facilities that encourage community groups to use the branch more actively. Building this capability into our branches reinforces our place as a financial institution that has grown out of community needs, and remains firmly committed to contributing to giving back to make our communities even better.

ATM expanded network Don’t forget you can save on fees with your cards by using any of our partnered Westpac group ATMS which are now free within the limits of your accounts. Check out all the details on qccu.com.au

Aileen Cull Chief Executive Officer

Comm u n R e m i n d e ity G rants r about clos i ng Just a frien date dly remind

er that app community lications fo grants clos r e on Friday If your notMay 10 20 for-profit g 13. roup, club seeking fun or organisa ding assista ti on is nce to com which bene plete a pro fits your loc ject al commun qccu.com.a ity, please u to find ou vi sit t more.

to achieve more competition and choice for consumers and banking rules that give everyone a fair go,” she said.

The ‘Balance Banking’ campaign is backed by consumer research showing banking competition is a major issue for Australian voters.

• A lmost 80% believe the big banks make excessive profits.

Credit Union CEO Aileen Cull said the polling by D&M research of 1000 Australian voters revealed two out of three want an independent inquiry into the country’s banking system.

If you would like to support the ‘Balance Banking’ campaign visit www.balancebanking.com.au This month, you will read about our newest branch, opened at Deeragun in Townsville. This branch utilises new concepts in branch design that we will progressively introduce across our branch network. In addition to utilising the latest technologies, I am

Queensland Country Credit Union has lent its voice to a new national campaign to change the face of banking in Australia.

YOUR “SMALL” BANK MIGHT HAVE A BIG SECRET. DO YOU KNOW WHO YOU’RE REALLY BANKING WITH? Many Australians aren’t aware that most of the big 4 banks own some of their “competitors”.

Do you think this concentration of ownership is a good thing?

Most Australians don’t.

“The research shows that many Australians are concerned about banking competition,” she said.

“An independent inquiry will leave us all better placed to compete in a stronger financial system.”

“We’ll certainly be having a say and encouraging our customers to do the same

In fact 2 out of 3 support an independent inquiry into banking.* Help change the face of banking and give banking competition the balance it deserves.

Protect your PIN

Follow the movement or have your say at :

BALANCE BANKING.COM.AU * 2012 Independent Research of 1000 Australians.

ever record your PIN on your card or on N anything near your card Never tell anyone your PIN Never lend your card to anyone Never leave your card unattended

Changing rates Keep up to date with our current interest rates by visiting qccu.com.au

ry to prevent anyone else seeing you enter your PIN into T an ATM or EFTPOS device on’t choose a PIN that is easily identifiable D (i.e. your date of birth)

The research also showed:

• 6 5% say there is not enough competition in the Australian banking system.

Disaster support options with Queensland Country Heading out of cyclone season for 2013, it is a good time to remind Members that Queensland Country Credit Union offer a range of disaster support solutions for Members should they be struck by unexpected and severe weather events.

We have personally contacted all Members hit by the latest disaster in Queensland to let them know what we can do to help. If you’d like to find out more visit qccu.com.au

Y A P B

li n e rst i n s? fi r b ill ar e you you ay to p bills is r u o y Paying ith B PAY w d easier time an

• 7 1% agree the big four banks have an unfair advantage in the mortgage market.

ry line eve in ple t s r fi one sim in Be the ls il b d e your enslan manag on Que n Y A P You ca ith B nking. a step w b e n r y’s onli obile fo Countr your m m o fr PAY even B yees. hed pa s li b a t es

Australians can join the campaign online and read the consumer research findings at www.balancebanking.com.au.

We encourage you to “Like” Queensland Country Credit Union on Facebook to share your story on why you chose a credit union over a bank. It is also a great site to keep up to date with the latest news, special offers and general updates from our communities.

t u o b a d n a Out Staff across the state have been taking the bank to the people with stalls, forums and lunches held at various work sites and community hubs over the past few months.

From educational events, to bringing together the experts you need to find out everything about buying a home, to cooking up snags on worksites, our staff have been doing mobile banking the old fashioned way.

Contact your local branch if you are interested in finding out what we can do in your workplace, to organise a school tour of your local branch or to register your interest in a local educational forum.

If you believe your card or PIN record has been lost, stolen or compromised, report it immediately.

During business hours, contact your nearest Credit Union branch. Outside business hours, contact the Australia-wide 24hr Emergency Card Hot Line on freecall 1800 621 199.

4

Product in Focus

Mortgage offset account

QUEENSLAND COUNTRY CREDIT UNION

Lower premium rises* Increased ^ benefits

are you using yours correctly?

Did you know that if you use your 100% mortgage offset account with Queensland Country effectively you could save thousands over the life of your loan?

Here are some simple tips: • Have a good budget and stick to it.

• Ensure you have allocated sufficient income to cover your budgeted expenses • Deposit all of your income into your mortgage offset account and use your QCCU credit card to pay for all your day-to-day expenses. This allows you to utilise the up to 55 days interest free period of your credit card and by setting up an automatic monthly payment to pay off the

Newsletter

OUR HEALTH FUND HAS

card’s outstanding balance in full each month, you can avoid paying any interest on your credit card.

• By parking your income in your offset account and using your credit card effectively you can reduce your outstanding loan balance for longer each month and reduce the amount of interest you pay on your home loan.

• If you stick to your budget and don’t spend more than you earn, your savings will grow in your offset account – This may also allow you to pay off your loan even sooner.

Switch today!

Reminders OF BSB When making payments into a Queensland Country Credit Union account, remember to use our BSB, your membership number, and the correct account name.

nsure your income is greater E then your budgeted costs

figures February 2012

February 2013

Assets

$1,098m

$1,174m

Loans

$925m

$983m

Deposits

$989m

$1,049m

Visit Your local branch (check our website for your closest branch details)

Web www.qccu.com.au

Email

1800 075 078

Mail P.O. Box 679 Aitkenvale Qld 4814

Mobile Banking mobile.qccu.com.au

ay off your cards outstanding P balance each month

our savings will grow in your Y offset account

* Based on industry average premium increases for the period 2010 to 2013 http://health. gov.au/internet/main/publishing.nsf/Content/privatehealth-average-premium-round

nd you don’t have to pay tax on A the money you save in the offset account because you are saving interest not earning it

DISCLAIMER: The information provided in this article is for information purposes only and does not constitute professional financial advice. You should consult a financial advisor and review of the product information brochures before taking on any of the products mentioned in this article.

Australian Credit Licence 244 533

^ Increased benefits payable for dental crowns and occupational therapy.

better health cover shouldn’t hurt

2

1800 813 415 qldcountryhealth.com.au Queensland Country Health Fund Ltd. ABN 18 085 048 237

peop matt le moster

At a glance

Contact Centre

D eposit all your income into your mortgage offset account and use your credit card to pay your bills

IN THIS ISSUE

Our BSB is 704 640.

info@qccu.com.au

Have a good budget and stick to it

APRIL / 2013

When considering any Queensland Country financial product or service mentioned in this newsletter you should obtain the relevant Product Disclosure Statement, Product Information Brochure, Terms and Conditions, and Fees & Charges Brochure which are available from any Queensland Country Credit Union Branch. Fees and charges may apply to products. Normal lending criteria applies to loans.

Queensland Country Credit Union Limited.

ABN 77 087 651 027 AFSL/ACL 244 533 Queensland Country Health Fund Ltd. ABN 18 085 048 237

1 2 3

PAGE

PAGE

PAGE

NEW Deeragun

branch

Queensland Country has rolled out its new look branch style with the opening of their Deeragun branch in Townsville last month.

The branch, constructed with people and service at the centre of its design, showcases the new look and feel of the business which has always been focussed on people.

When Queensland Country launched in 1971 the focus was on people, choice and giving community a more personalised approach to banking.

The new look Townsville branch has embraced all things old and made them new again. With features like a dedicated community corner, educational hubs for Members, an open plan design and bold brand statements throughout, the branch provides for a more customised and down to earth experience for visitors.

Deeragun Branch Manager Kerry Young said staff and Members were thrilled with the new layout and she encouraged locals to pop in for a visit.

1800 075 078 qccu.com.au

From the CEO’s desk Mortgage offset account Out and about