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Credit Union SA Children's Savings Account vs Credit Union SA Netsave Account

vs
These are open to different people: Credit Union SA Children's Savings Account only to anyone under 18, Credit Union SA Netsave Account to anyone.
Interest a year on $50,000, with the conditions met
$2,300
4.60% on this balance
$625
1.25% on this balance

Credit Union SA Children's Savings Account pays $1,675 more a year on $50,000 than Credit Union SA Netsave Account, but it's open only to anyone under 18.

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Where they differThe rate (4.60% against 1.25%), the conditions on the bonus, how much of a balance the top rate covers, the intro rate and who can open it.

The same on bothNo minimum balance.

Credit Union SAChildren's Savings Account
Credit Union SANetsave Account
Interest a year without meeting the conditions
on $50,000
$25
at the base rate
$625
No conditions to miss
+$600 · More without meeting the conditions
Total rate
base plus bonus
4.60%
+3.35 · Higher total rate
1.25%
Base rate
paid whatever you do
0.05%
1.25%
the whole rate
+1.20 · Higher base rate
Bonus rate
4.55%
with the conditions met
+4.55 · Higher bonus rate
None
one rate, nothing to do
Top rate paid up to
$50k
No cap
Covers all of it · Covers more of a balance
What the bonus asks each month
  1. A deposit
  2. No withdrawals
Nothing
Intro rate
for new accounts
None
5.40%
for 4 months
Who can open it
Anyone under 18
Anyone
Rank by total rate
63rd of 114
among accounts open to under-18s
105th of 117
among accounts open to adults
Last rate change
14 Oct 2026
up 0.25
No change
since 25 Sep 2026

Rates over time

Each account's total rate, a cell a week. A move shows as ▲ or ▼ in the week it happened.

Credit Union SA Children's Savings Account
Go to siteMore about this account
Credit Union SA Netsave Account
Go to siteMore about this account

As of 2 November 2026, Credit Union SA Children's Savings Account pays 4.60% with its monthly conditions met, and Credit Union SA Netsave Account pays 1.25% with nothing to do each month. On $50,000, that's $2,300 against $625 a year, $1,675 more from Credit Union SA Children's Savings Account. Figures are the banks' published rates, worked out on the balance above. Each row says which figure is higher; it doesn't say which account suits you.

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