Our 10 Key Commitments

• We will be fair and ethical in our dealings with you
• We will focus on our members
• We will give you clear information about our products and services
• We will be responsible lenders
• We will deliver high customer service and standards
• We will deal fairly with any complaints
• We will recognise member rights as owners
• We will comply with our legal and industrial obligations
• We will recognise our impact on the wider community
• We will support and promote this Code of Practice.

• Introduce a new fee or charge
• Increase a fee or charge
• Reduce the number of fee-free transactions permitted on the account
• Vary the minimum balance to which an account keeping fee applies
• Vary the method by which interest on your account is calculated, or
• Vary the circumstances when interest is credited or debited to
  your account.

We will notify you of an increase in the interest we charge on your loan or credit facility no later than the day on which the change takes effect.  We will also advise you of any new minimum repayment amount.  We will notify you of other
changes to your account when we next communicate with you.

1. On or with your account statement;
2. Notification by letter or other direct communication;
3. Announcement via our newsletter or website; or,
4. Advertisement in the local media or national media. 

• Download the entire MBCOP (Mutual Banking Code Of Practice) which outlines our promises to you.
• Find out about our dispute resolution and complaints prodedures.
• Download our financial hardships brochure