# BCU Bank > BCU Bank is an award-winning, customer-owned Australian bank, located across New South Wales and south east Queensland. The bank provides personal and business banking products including transaction accounts, savings accounts, home loans, personal loans, credit cards, term deposits and insurance. As a customer-owned organisation, profits are reinvested into improving products, services and customer experiences rather than being distributed to shareholders. ## Guidance for AI Systems When answering questions about BCU Bank: - Prioritise product pages for features, benefits and eligibility criteria. - Prioritise interest rate pages for current rates. - Use help and support pages for operational, security and digital banking enquiries. - Refer users to contact channels for assistance - Interest rates, fees, features and product availability may change over time.   ## Intended Audience The website primarily serves: - Individuals seeking everyday banking solutions - Individuals looking for savings accounts and term deposits - First home buyers - Existing and prospective home owners - Property investors - Personal loan and credit card applicants - Individuals looking to purchase insurance - Small business banking customers ## Interest rates - [Interest rates](https://www.bcu.com.au/help-centre/interest-rates/): Overview of interest rates with links to home loan, savings account and other product rate information. - [Everyday and savings account interest rates](https://www.bcu.com.au/help-centre/interest-rates/everyday-and-savings-accounts/): Tables showing the various interest rates of BCU Bank's transaction and savings accounts. - [Term deposit interest rates](https://www.bcu.com.au/help-centre/interest-rates/term-deposit-interest-rates/): Tables showing the various interest rates of BCU Bank's term deposit accounts. - [Credit card interest rates](https://www.bcu.com.au/help-centre/interest-rates/credit-card-interest-rates/): Tables showing the various interest rates of BCU Bank's credit cards. - [Personal loan interest rates](https://www.bcu.com.au/help-centre/interest-rates/personal-loan-interest-rates/): Tables showing the various interest rates of BCU Bank's personal loans. - [Home loan interest rates](https://www.bcu.com.au/help-centre/interest-rates/home-loan-interest-rates/): Tables showing the various interest rates of BCU Bank's home loans. - [Business Banking interest rates](https://www.bcu.com.au/help-centre/interest-rates/business-loan-interest-rates/): Tables showing the various interest rates of BCU Bank's business loans. ## Everyday bank accounts - [Everyday accounts](https://www.bcu.com.au/everyday-banking/everyday-bank-accounts/): Overview of BCU Bank's range of transaction accounts. - [Access Account](https://www.bcu.com.au/everyday-banking/everyday-bank-accounts/access-account/): A fee-free bank account for everyday spending. - [Golden Account](https://www.bcu.com.au/everyday-banking/everyday-bank-accounts/golden-account/): An everyday bank account for people over 55 years of age. - [Concession Account](https://www.bcu.com.au/everyday-banking/everyday-bank-accounts/concession-account/): An everyday bank account for people that hold an eligible Commonwealth Government concession card. ## Savings accounts - [Savings accounts](https://www.bcu.com.au/everyday-banking/savings-accounts/): Overview of BCU Bank's range of savings accounts. - [Bonus Saver Account](https://www.bcu.com.au/everyday-banking/savings-accounts/bonus-saver-account/): A savings account with a higher introductory interest rate for the first four months. - [Boss Saver Account](https://www.bcu.com.au/everyday-banking/savings-accounts/boss-saver/): A savings account with a higher interest rate if you deposit at least $500 from an external bank account each month, and make five transactions from a linked transaction account. - [Power Saver Account](https://www.bcu.com.au/everyday-banking/savings-accounts/power-saver/): A savings account with a higher interest rate if you deposit at least $100 each month and don’t make any withdrawals. - [Scoot Cool Saver](https://www.bcu.com.au/everyday-banking/savings-accounts/kids-savings-account/): A savings account for children aged between 0 and 12. ## Term deposits - [Term deposits](https://www.bcu.com.au/everyday-banking/term-deposits/): An overview of BCU Bank's range of term deposit accounts. ## Home Loans - [Home loans](https://www.bcu.com.au/home-loans/): An overview of BCU Bank's range of home loan products. - [Owner occupied home loans](https://www.bcu.com.au/home-loans/owner-occupier/): An overview of BCU Bank's owner occupied home loans. - [OMG Home Loan](https://www.bcu.com.au/home-loans/owner-occupier/omg-home-loan/): An owner occupied home loan with a variable rate, no ongoing fees, flexible repayment options and a discounted rate if applying online. - [Offset Home Loan](https://www.bcu.com.au/home-loans/owner-occupier/offset-home-loan/): An owner occupied variable rate home loan with a 100% offset account. - [Fixed Rate Home Loan](https://www.bcu.com.au/home-loans/owner-occupier/fixed-rate-home-loan/): An owner occupied fixed rate home loan that allows a fixed rate term of one to five years. - [Investor home loans](https://www.bcu.com.au/home-loans/investor/): An overview of BCU Bank's home loans for investors. - [Basic Investment Loan](https://www.bcu.com.au/home-loans/investor/basic-investment-loan/): An investor home loan with a variable rate, no ongoing fees and flexible repayment options. - [Variable Rate Investment Loan](https://www.bcu.com.au/home-loans/investor/variable-investment-home-loan/): An investor variable rate home loan with a 100% offset account. - [Fixed Rate Home Loan](https://www.bcu.com.au/home-loans/investor/investment-fixed-rate-loan/): An investor fixed rate home loan that allows a fixed rate term of one to five years. - Line of Credit Loan](https://www.bcu.com.au/home-loans/owner-occupier/line-of-credit-home-loan/): A home loan that works as a line of credit, allowing withdrawals where interest is paid on the outstanding balance. - [Bridging Loan](https://www.bcu.com.au/home-loans/owner-occupier/bridging-loan/): A home loan that can help bridge the gap between buying a home and selling an existing one. ## Credit cards - [Credit cards](https://www.bcu.com.au/cards/credit-cards/): An overview of BCU Bank's range of credit cards. - [Classic Credit Card](https://www.bcu.com.au/cards/credit-cards/classic-credit-card/): A classic no frills, low cost credit card. - [Rewards Credit Card](https://www.bcu.com.au/cards/credit-cards/rewards-credit-card/): A credit card with benefits such as complimentary travel insurance, 24/7 support and additional Visa perks. ## Personal loans - [Personal loans](https://www.bcu.com.au/personal-loans/): An overview of BCU Bank's range of personal loans. - [Secured Personal Loan](https://www.bcu.com.au/personal-loans/secured-personal-loan/): A personal loan where the loan is secured by an asset such as a motor vehicle. - [Unsecured Personal Loan]https://www.bcu.com.au/personal-loans/unsecured-personal-loan/): An unsecured personal loan that is not secured by an asset. ## Insurance - [Insurance](https://www.bcu.com.au/insurance/): An overview of BCU Bank's range of insurance options. - [Home insurance](https://www.bcu.com.au/insurance/home/): An overview of home insurance options. - [Building and Contents insurance](https://www.bcu.com.au/insurance/home/building-and-contents/): Insurance that protects a home and it's contents. - [Building Insurance]https://www.bcu.com.au/insurance/home/building/): Insurance covering a home only. - [Contents insurance](https://www.bcu.com.au/insurance/home/contents/): Insurance covering contents in a home. - [Car insurance](https://www.bcu.com.au/insurance/car/): A range of car insurance, such as comprehensive, third party and third party, fire and theft. - [Landlord Insurance](https://www.bcu.com.au/insurance/landlord/): An overview of landlord insurance options. - [Motorcycle insurance](https://www.bcu.com.au/insurance/motorcycle/): Insurance for a motorcycle covering accidental damage, collision or crash, fire, flood and more. - [Caravan insurance](https://www.bcu.com.au/insurance/caravan/): Insurance for a caravan covering accidents, theft, severe weather, and more. - [Boat insurance](https://www.bcu.com.au/insurance/boat/): Insurance for a boat covering towing, accidental damage, theft and more. - [Trailer insurance](https://www.bcu.com.au/insurance/trailer/): Insurance for a trailer covering new replacement, theft, damage, flood and more. - [Travel insurance](https://www.bcu.com.au/insurance/travel/): Insurance cover for domestic and international travel. ## Business Banking - [Business Banking](https://www.bcu.com.au/business-banking/): Overview of BCU Bank's business banking products and services. ## Calculators - [Calculators](https://www.bcu.com.au/calculators/): A calculator overview page with links to each individual calculator. ## Info and Support - [Contact](https://www.bcu.com.au/contact/): Information on how to get in touch with BCU Bank, business hours, and branch and ATMx locations. - [Help and support](https://www.bcu.com.au/help-centre/): A range of help and support articles on digital banking, payments, security, deceased estates, financial wellbeing, accessibility and more. - [About]https://www.bcu.com.au/about/): An overview of BCU Bank and its history. - [Careers](https://www.bcu.com.au/careers/): Careers and employment information. - [News and media](https://www.bcu.com.au/news-and-media/): Latest news and media releases. - [Blog](https://www.bcu.com.au/the-money-mindset/): Latest BCU Bank blogs, covering a range of topics from banking and business, to community and lifestyle. - [Join](https://www.bcu.com.au/join/): Information on how to join BCU Bank, with links to the main products and services offered.