Savings account

Christmas Club Account

Current savings rate from IMB Bank. Compare the ongoing rate, bonus conditions, introductory offers, and eligibility in one place.

Christmas Club Account

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3.25% p.a.

ongoing rate

Rate breakdown

Base rate: 0.00%

Bonus rate: + 3.25%

How to earn it

If there are any withdrawals between January 1 and October 31 the account will be closed and the bonus forfeited.

Rate current since 29 May 2026.

What to know

This page focuses on the ongoing rate: 3.25% p.a. That is the rate after any honeymoon period ends.

To earn the full rate, you need to meet these conditions: If there are any withdrawals between January 1 and October 31 the account will be closed and the bonus forfeited.

If you miss the conditions in a given month, you earn only the base rate: 0.00% p.a.

About IMB Bank

IMB Bank is an Australian credit union offering savings accounts across several life stages. Its highest rate is available through the Zoo Account, designed for children aged 0 to 12, and requires a minimum $10 deposit and no withdrawals in the calendar month to earn a bonus rate on top of the base rate. The DIY Super Account pays a competitive rate with no bonus conditions, while the Everyday 50PLUS Account offers its advertised rate for members aged 50 and over.

Deposits with IMB Bank are protected under the Financial Claims Scheme up to $250,000 per account holder per ADI.

Compare more accounts

No-conditions accounts

Earn the full rate without monthly hoops

Accounts above 5%

Every account currently paying 5.00% p.a. or more

Large balance accounts

Accounts with bonus rate caps above $100k

The information on this page is general in nature and does not constitute financial advice. Rates are subject to change — verify directly with the provider before making a financial decision.

Christmas Club Account