RCU has you covered when it comes to insurance

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2 RCU has you covered when it comes to insurance Coming into the warmer months means that unpredictable weather is just around the corner. This also means that it s the perfect time of year to make sure all of your personal assets are covered, so that you can make the most of the warm weather and time spent with your family. RCU partners with the best RCU is an authorised intermediary of CGU Insurance Limited (ABN ), who is renowned for their reliable track record and exceptional customer service. RCU s home and contents insurance, car and motorcycle insurance and loan repayment insurance are all offered through CGU. Life insurance is offered through Zurich Insurance s Ezicover range of products, ensuring that your mind is at ease from all life insurance worries How you can protect yourself from risk Protecting everything that is important to you means that you can focus on your day-to-day activities without having to worry about the financial risks associated with unexpected accidents and events. By protecting your most valuable assets, we believe your life will become that little bit easier. RCU s widespread range of insurance products are there to help you get back on your feet faster and focus on rebuilding your home, paying for medical care or repairing your car after an accident. Protect your home this storm season Buying a new home is without a doubt one of the biggest investments you will ever make. Many people opt to move into their new home during Spring so that they are settled and ready to entertain friends and family during the festive season. With the Summer months being renowned for storms and heavy rains, make sure you insure your homes against any unexpected damages or losses prior to the change of season. Home and contents insurance gives you peace of mind while you focus on spending quality time with loved ones

3 Home and Contents Insurance Comparison Based on listed events or a classic cover by all insurance companies with contents cover amount of $100,000 Insurance partners Pay monthly no extra cost Motor burnout Pet cover Limits to cover Jewellery and watches $2500 per item Up to 20% sum insured ($20,000) $2000 per item $6000 in total $1000 per item $4000 in total Cash and gift cards Credit card misuse $750 $500 $500 $5000 $1500 $1500 Tools of trade $5000 $2000 $1000 Collectable Items $2500 per item Up to 20% sum insured ($20,000) $2000 $2000 This information was collected from canstar.com.au 2014 Home and Contents Insurance Comparison Results. Why insurance is a smart investment If you have invested some of your savings into that shiny new car or that motorbike you ve ha d your eye on, it seems obvious that you would want to protect these assets from any unplanned damages. RCU offers premium car and motorcycle insurance which guarantees your motor vehicles are covered for the unexpected incidents that can happen in day-to-day traffic. By insuring these precious assets, you and your family don t have to stress while on those long holiday road trips visiting friends and family. Don t leave your family in the lurch Even though it s not a topic we enjoy thinking about, life insurance is an extremely important financial element to consider. If anything were to happen to you, the last thing you would want is to leave your family in financial trouble with funeral bills and loss of income. Members as young as 19 are eligible for RCU s life insurance, with various options suited to your lifestyle and necessary coverage. If you haven t previously considered life insurance, now s the time to look into it Expecting the unexpected There will be things during your lifetime that you simply cannot plan for. In these circumstances it is crucial that you are not worrying about your financial commitments. RCU offers you and your family loan repayment insurance which will help you manage your finances. It s always better to be prepared for the worst case scenario instead of being faced with a financial hurdle that you aren t equipped for Don t forget your investment property If you have landlord responsibilities it goes without saying that you would want to protect your property and any contents left inside. RCU is able to insure your investment property and cover any loss of investment income. Investing in landlord insurance is a convenient way to take all the stresses out of your investment and focus on the benefits that your rental property provides for you or your family. For further information on any of RCU s insurance please visit railwayscreditunion.com.au/insurance Have you won $100? We ve printed five member numbers throughout this edition of Railway Lines. Find your exact member number printed in its entirety, call us before 30 November 2014 and your RCU Account will be credited with $100.

4 Tips for getting back on track At RCU we re passionate about getting you on the right financial track and keeping you there. We have put together a few simple tips that will help you move towards your goals, especially as we head into the festive season. Make savings a habit Putting a portion of your income aside each week is an easy way to Keep your savings and expenses separate Make a habit of saving Think twice before you buy increase your savings. RCU can help you achieve this by arranging a direct debit for your savings, where periodic payments from your income can go directly into your designated savings account. Setting yourself an achievable financial target is the first step in turning saving into a habit. Can t stop touching your savings? Temptation to spend is everywhere and it is even harder when you have the money sitting in your account. Try to keep your savings and expenses separate. An easy way to do this is by having a portion of your income directly credited to a dedicated savings account, such as our Express Saver which has no minimum deposit, no fees and a great interest rate. For all of your expenses you can set up a dedicated account that you can use for all of your financial commitments Think twice Before you go on a shopping spree, think twice. When you see something you want to purchase, take a moment to decide whether this is an item you actually need or if it is just a want. Giving yourself a cooling off period before you decide to purchase the item also gives you some time to research similar products and compare the prices. After you have had time to consider your purchase you will be able to justify whether it is a worthwhile expenditure. These combined strategies can all make a big difference in getting you on the right financial track and increasing your wealth. Printed 25/09/2014. Railways Credit Union Ltd ABN AFSL/Australian Credit Licence The information in this Newsletter has been prepared without taking into account your objectives, financial situation or needs. Before making any decisions regarding investments you should seek independent advice regarding its suitability to your needs and circumstances. Railway Lines is produced for the information of Railways Credit Union members and their families. We welcome articles or items of interest from our members. Simply call (07) Railways Credit Union is the issuer of all products mentioned in this Newsletter unless otherwise stated. A Product Disclosure Statement (PDS) for all deposit or non-cash payment products can be obtained by contacting the Railways Credit Union on You should read the PDS before making any decision to acquire any of these products. The Schedule of Fees & Charges also forms part of the PDS. All rates can change without notice. Fees and charges may apply (full terms and conditions available on request). *Based on a secured loan of $ over 25 years. Warning: The comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. For up-to-date information on interest rates phone us on or visit our website at Loans are subject to lending criteria.

5 Current Deposit Interest Rates All rates are per annum SAVINGS From 1 February 2014 Note: the interest tier applicable is paid on the entire balance and not just the portion. Express Saver S50... top rate with Internet & phone access Interest calculated on total daily balance and paid monthly. First Home Saver Account S60 Interest calculated on total daily balance and paid monthly. 3.65% 3.65% Everyday Saver S1 Interest calculated on total minimum monthly balance and paid monthly. 1.20% $50,000 or more 0.50% $30,000 to $49, % $10,000 to $29, % $0 to $9,999 Everyday Saver S22 and S % 0.45% 0.05% 0.01% Interest calculated on the total daily balance and paid monthly. $50,000 or more $30,000 to $49,999 $10,000 to $29,999 $0 to $9,999 Christmas Saver S8 Interest calculated on the total minimum monthly balance and paid on 31st October. Budget Account S5/Insurance Account S6 Interest calculated on the total minimum monthly balance and paid monthly. 0.50% 0.01% FIXED TERM DEPOSITS From 2 September 2014 Term Min $5,000 and above Interest Paid 3 Months 3.60% At maturity 4 Months 3.60% At maturity 5 Months 3.60% At maturity 6 Months 3.65% At maturity 7 Months 3.65% At maturity 8 Months 3.65% At maturity 9 Months 3.65% At maturity 10 Months 3.65% At maturity 11 Months 3.65% At maturity 12 Months 3.70% Annually * 13 to 14 Months 3.70% Annually * 15 to 24 Months 3.90% Annually * 12 to 14 Months 3.60% Monthly 15 to 24 Months 3.80% Monthly Interest paid annually and at maturity. *For terms longer than 12 months, interest is paid at 12 months and then maturity. Seen a better rate? If you have seen a better advertised rate from another Bank, Building Society or Credit Union let us know and we ll see if we can match it! Also, don t forget that it may be possible to negotiate rates for investment amounts in excess of $500,000. Interest rates subject to change. All rates quoted per annum (p.a.).

6 Current Loan Interest Rates All rates are per annum & Aurizon employees and their families. HOME LOANS From 1 September 2013 Comparison Rate Economy Home Loan L % 4.99% RCU Wealth Builder Loan L % 4.99% First Home Loan L % 4.93% Home Mortgage Loan L % 5.42% Investment Mortgage Loan L % 5.42% Comparison rates based on a loan of $150,000 for 25 years. Secured by mortgage. FIXED RATE HOME LOANS From 17 September 2014 Comparison Rate Lockit Home Loan 1 year 4.59% 5.37% Lockit Home Loan 3 years 4.84% 5.31% PERSONAL AND CAR LOANS From 1 September 2013 Comparison Rate New Car Loan L22 Comparison rate based on a secured $30,000 loan for 5 years. Secured by Bill of Sale. Any Age Car Loan L12 Comparison rate based on a secured $30,000 loan for 5 years. Secured by Bill of Sale. Personal Loan L11 Comparison rate based on unsecured $10,000 loan for 3 years. 9.14% 9.35% 10.94% 11.16% 13.99% 15.04% OVERDRAFTS From 1 September 2013 Tilt... Your All-in-One Mortgage Overdraft S % Tilt... Your Investment Mortgage Overdraft S % Unsecured Overdraft S % When these Accounts are in credit, interest is calculated and paid as per the corresponding Everyday Saver S22. Minimum overdraft limit is $2,000. WARNING: Comparison rates apply only to the examples given. Different amounts & terms will result in different comparison rates. Costs such as redraw fees or early repayment fees & costs savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. This document forms part of the Product Disclosure Statements (PDS) for Standard Savings Accounts, Express Saver Accounts, First Home Saver Accounts, and Term Deposits. A core PDS document contains a product summary & Terms & Conditions for these products. The Schedule of Fees & Charges also forms part of the PDS for First Home Saver Accounts, and Standard Savings Accounts. Interest rates subject to change. All rates quoted per annum (p.a.). All rates quoted are per annum. These rates can change without notice. Fees, charges, terms and conditions apply (available on request). Applications for term loans and overdrafts are subject at all times to credit assessment and approval. For up-to-date information on interest and comparison rates phone us on or visit our website at ABN AFSL/ACL