Loans
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eTeller Internet Banking Registration Form
Please fill in the below form to register for eTeller Internet Banking.
Apply for an Account
If you're already an ECU Australia Member, you can apply for an ECU Australia account in three easy ways.
If you're not currently a Member of ECU Australia, you can find out more information here.
Branch
An application form can be completed at your nearest branch.
Download Form
You can download and print out our Activation of Access Facilities Form which is used to open a new account. Once completed, you can mail, fax or drop the form off to one of our branches.
Banking products are issued by ECU Australia Ltd ABN 50 087 650 986 AFS/Australian Credit Licence 240719. Any advice given is of a general nature only and is not based on any consideration of your objectives, financial situation and needs.
Apply for a Loan
You can apply for an ECU Australia Loan in 3 ways:
Online
ECU Australia's new Online Loan Application is a safe, secure and easy way of applying for a loan.
- Click here to start or retrieve a Loan Application
Branch
An application form can be completed at your nearest branch.
- Locate a Branch closest to you using our ATM/Branch Locator
Download Form
You can download and print out our Application for Credit Form. Once completed, you can mail, fax or drop the form off to one of our branches.
- Download and print the Application for Credit Form
Banking products are issued by ECU Australia Ltd ABN 50 087 650 986 AFS/Australian Credit Licence 240719. Any advice given is of a general nature only and is not based on any consideration of your objectives, financial situation and needs.
Interest Rates
Please select the appropriate document below (rates are in PDF format):
- Savings & Investment Interest Rates (147kb)
- Loan Rates & Comparison Rates (126kb)
Please Note: The above documents are provided in .pdf format and require Adobe Reader. You can download the latest version of Adobe Reader by clicking the button below.
Disclaimer
The products and services of ECU Australia Ltd outlined in this site are available only to Australian residents and (where applicable) to property in Australia. In addition, the products and services of ECU Australia are usually only available to persons and corporations that satisfy membership and (where applicable) credit eligibility criteria.
The information in this site has been prepared in accordance with Australian Law. This notice and the information in this site are governed by the laws of the State of Queensland and the Commonwealth of Australia.
The information appearing on this site is of a general nature only and is not to be relied upon as being complete, accurate, or up to date. The information in this site is subject to change by ECU Australia at any time without notice. Full details of current fees and charges, interest rates, terms and conditions, product information and any special offers are available from any ECU Australia branch in Queensland, or by telephoning 1300 888 211.
If this site provides advice it has been prepared without taking into account your objectives, financial situation or needs. Therefore, before you act on the advice, you should assess whether it is appropriate for you, in light of your objectives, financial situation or needs. If this advice recommends that you should acquire a particular financial product, you should obtain a Product Disclosure Statement for that product and consider the information in it before deciding to acquire the product.
Subject to any terms implied by law and which cannot be excluded, ECU Australia accepts no responsibility for any loss, damage, cost or expense (whether direct or indirect) incurred by you as a result of any error, omission or misrepresentation in any information in this site.
ECU Australia shall not be responsible for the content of any site accessed from this site. The content of any site accessed from this site is the responsibility of the owner of that site. For the avoidance of doubt, unless otherwise specified a link from this site to another site should not be construed as an endorsement of that site or any products and services offered at that site by ECU Australia, or as an endorsement by the owners of that site of ECU Australia or ECU Australia's products and services.
This site may contain information about the opinions, products and services of other parties. The presence of such information on this site should not be construed as an endorsement by ECU Australia of the accuracy of such information.
Email Disclaimer
ECU Australia Ltd cannot guarantee that the information you send to us via email will be received by us or is safe from third parties who may intercept a transmission.
ECU Australia Ltd will preserve the content of any email that you send us, if we believe that we have a legal requirement to do so.
Dispute Resolution
ECU Australia Ltd (ABN 50 087 650 986) understands the importance of protecting your privacy and we are committed to complying with the Privacy Act 1988 and the National Privacy Principles. A copy of our Privacy Policy is available on request.
Members can be assured that we only collect personal information that is necessary for us to carry out the various functions and activities we undertake to provide you with products and services.
We value the strong relationship we have with our Members and we are committed to protecting the confidentiality and privacy of members' personal information. We take all possible steps to ensure that your information is not disclosed to or accessed by unauthorised persons.
How and why we collect your personal information
We collect personal information from you when you apply for membership and when you apply for or use our products and services. We collect it so we can:
-
give you information to which you are entitled as a Member; and
-
supply to you, and administer, the products and services you require.
-
Performing administrative functions, including accounting, risk management, record keeping, archiving, systems development, credit scoring and staff training;
We also collect it so that we can give you marketing information, unless you do not consent to that and advise our Privacy Officer accordingly (see below for contact details).
Personal information about third parties
You agree that, if at any time you supply us with personal information about another person (for example, a referee), you are authorised to do so and you agree to inform that person who we are, that we will use and disclose their personal information for the purposes set out in this statement, and that they can gain access to that information.
If your personal information is not provided
If you do not provide us with all of the information we request we may be unable to accept your application for membership or to supply to you the product or service that you require.
Marketing Information
We may, with your consent, use your personal information to give you information, that may be of interest to you, about the other products and services that are available from us, from our related entities, and from other businesses with which we or our related entities have relationships. Your consent will be implied unless you notify us that you do not consent to your information being used for this purpose. You can notify us by contacting our Privacy Officer whose contact details are shown below.
Web Site
When you visit our website, (www.ecu.com.au) the credit union uses session cookies to track where users go on our site. Our cookies tag each visitor's browser with a random, unique number. The cookie simply assigns a number and does not disclose any personal information about the person using the browser. By noting where these uniquely numbered browsers go on our site, we can study traffic patterns and improve our site. If you visit the website to complete an online form such as the loan application form or to send us an email, we will record the information you give us, including your email address.
Internet Banking
The Credit Union's eTeller Internet Banking facility uses Secure Sockets Layer (SSL) protocol to safeguard your information during online transactions. This 128-bit SSL protocol allows for messages to be encrypted (scrambled) so that the information sent between your computer and ours is meaningless to anyone else. Our server will run detection software to help ensure you are using a secure browser and your information is secure. If our browser determines you are not using a secure browser, you will not be able to access eTeller.
When we may give personal information to other organisations
Sometimes we may need to give some personal information about you to other organisations who provide services that assist us in supplying to you, or in administering, the products and services you require.
For example, the Credit Union may pass on a change of name, a new address, phone number or other personal information to another entity with which you may have dealings through the Credit Union; eg Health Insurance or other insurance companies who provide Credit Union Members with general, life, accident or loan protection insurance policies etc.
In addition, the Credit Union may contract out some services that involve disclosing personal information about you to other organisations.
Examples of such organisations are our related entities, card and cheque book suppliers, electronic funds transfer switch companies, printing and mailing houses, insurers, valuers, legal advisors, collection agents, conveyancers and settlement agents, and various third party suppliers of financial services (eg bank cheques, drafts, travellers cheques etc). These organisations may only use the information to the extent necessary to provide the services we require.
Sometimes we may be required to give some personal information about you to other organisations to comply with our legal obligations. Examples of such organisations are our auditors and legal advisors, APRA, Austrac, and the Australian Taxation Office.
Your access rights, and how to contact us
The Privacy Act gives you rights to access the personal information we hold about you and you can obtain this information by providing us with a written request. You can ask us to correct the information if it is inaccurate. More information is set out in our Privacy Policy.
To contact the Credit Union about privacy issues or consents please contact our Privacy Officer as shown below:
The Privacy Officer,
ECU Australia Ltd,
93 Sheridan Street,
Cairns Qld 4870,
PO Box 6125 Cairns Qld 4870
Phone: (07) 4046 8208
Email:
This email address is being protected from spambots. You need JavaScript enabled to view it.
Fax: (07) 4046 8308
Privacy
ECU Australia Ltd (ABN 50 087 650 986) understands the importance of protecting your privacy and we are committed to complying with the Privacy Act 1988 and the National Privacy Principles. A copy of our Privacy Policy is available on request.
Members can be assured that we only collect personal information that is necessary for us to carry out the various functions and activities we undertake to provide you with products and services.
We value the strong relationship we have with our Members and we are committed to protecting the confidentiality and privacy of members' personal information. We take all possible steps to ensure that your information is not disclosed to or accessed by unauthorised persons.
How and why we collect your personal information
We collect personal information from you when you apply for membership and when you apply for or use our products and services. We collect it so we can:
- give you information to which you are entitled as a Member; and
- supply to you, and administer, the products and services you require.
- Performing administrative functions, including accounting, risk management, record keping, archiving, systems development, credit scoring and staff training;
We also collect it so that we can give you marketing information, unless you do not consent to that and advise our Privacy Officer accordingly (see below for contact details).
Personal information about third parties
You agree that, if at any time you supply us with personal information about another person (for example, a referee), you are authorised to do so and you agree to inform that person who we are, that we will use and disclose their personal information for the purposes set out in this statement, and that they can gain access to that information.
If your personal information is not provided
If you do not provide us with all of the information we request we may be unable to accept your application for membership or to supply to you the product or service that you require.
Marketing Information
We may, with your consent, use your personal information to give you information, that may be of interest to you, about the other products and services that are available from us, from our related entities, and from other businesses with which we or our related entities have relationships. Your consent will be implied unless you notify us that you do not consent to your information being used for this purpose. You can notify us by contacting our Privacy Officer whose contact details are shown below.
Web Site
When you visit our website, (www.ecu.com.au) the credit union uses session cookies to track where users go on our site. Our cookies tag each visitor's browser with a random, unique number. The cookie simply assigns a number and does not disclose any personal information about the person using the browser. By noting where these uniquely numbered browsers go on our site, we can study traffic patterns and improve our site. If you visit the website to complete an online form such as the loan application form or to send us an email, we will record the information you give us, including your email address.
Internet Banking
The Credit Union's eTeller Internet Banking facility uses Secure Sockets Layer (SSL) protocol to safeguard your information during online transactions. This 128-bit SSL protocol allows for messages to be encrypted (scrambled) so that the information sent between your computer and ours is meaningless to anyone else. Our server will run detection software to help ensure you are using a secure browser and your information is secure. If our browser determines you are not using a secure browser, you will not be able to access eTeller.
When we may give personal information to other organisations
Sometimes we may need to give some personal information about you to other organisations who provide services that assist us in supplying to you, or in administering, the products and services you require.
For example, the Credit Union may pass on a change of name, a new address, phone number or other personal information to another entity with which you may have dealings through the Credit Union; eg Health Insurance or other insurance companies who provide Credit Union Members with general, life, accident or loan protection insurance policies etc.
In addition, the Credit Union may contract out some services that involve disclosing personal information about you to other organisations.
Examples of such organisations are our related entities, card and cheque book suppliers, electronic funds transfer switch companies, printing and mailing houses, insurers, valuers, legal advisors, collection agents, conveyancers and settlement agents, and various third party suppliers of financial services (eg bank cheques, drafts, travellers cheques etc). These organisations may only use the information to the extent necessary to provide the services we require.
Sometimes we may be required to give some personal information about you to other organisations to comply with our legal obligations. Examples of such organisations are our auditors and legal advisors, APRA, Austrac, and the Australian Taxation Office.
Your access rights, and how to contact us
The Privacy Act gives you rights to access the personal information we hold about you and you can obtain this information by providing us with a written request. You can ask us to correct the information if it is inaccurate. More information is set out in our Privacy Policy.
To contact the Credit Union about privacy issues or consents please contact our Privacy Officer as shown below:
The Privacy Officer,
ECU Australia Ltd,
93 Sheridan Street,
Cairns Qld 4870,
PO Box 6125 Cairns Qld 4870
Phone: (07) 4046 8208
Email:
This email address is being protected from spambots. You need JavaScript enabled to view it.
Fax: (07) 4046 8308
Conditions of Use
The Conditions of Use describes the product you are about to acquire.
It sets out:
- who we are;
- what the benefits and risks of the product are;
- what it will cost you and when;
- what the characteristics of the product are; and
- what our dispute resolutions scheme is and how to access it.
Documents
What is a Comparison Rate?
Comparison Rate Legislation became effective on 1 July 2003.
A Comparison Rate is an effective interest rate for any home or personal loan product, excluding continuing lines of credit. It incorporates the annual percentage rate and any ascertainable fees; Example, application, valuation, solicitors, monthly or annual fees; Government and contingent (redraw etc) fees are excluded.
The legislation has been introduced so that consumers can fairly assess competitor interest rates.
