BDCU - Membership

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Why become a member?

You get the real deal

Everything BDCU does is to benefit our members. When BDCU saves money we channel it back into the business to lower our rates or provide new services that make a difference to you and the local community.


BDCU members tell us that they love our service - whether it's over the phone or in person, you'll always be greeted with genuine warmth by someone who will go out of their way to make to sure you're happy.



BDCU is part of one of Australia's largest ATM networks, provides online banking, and provides personalised service in each of our Centres - Bowral, Mittagong, Moss Vale, Hill Top and Goulburn.


Supporting each other

Membership is open to all residents of the Southern Highlands and Tablelands and their families and, because our members own us, all profits are channelled back to them and the community.

As a member you’ll join more than 14,000 members of the community who already share ownership. We’ve tailored memberships to provide meaningful benefits for you. For more detailed information talk to us today.


  • A number of savings and transaction accounts from which to choose
  • Loyalty rewards – the higher the value of your deposits and loans the more you benefit
  • Full share holding and voting rights


  • Free, unlimited eligible BDCU transactions*
  • No monthly transaction fees

Students and Apprentices

  • Free, unlimited eligible BDCU transactions*
  • No monthly transaction fee
  • Reduced rate student / apprentice loan
  • Discount on car and / or contents insurance

Over 50s Club Classic

  • Free, unlimited eligible BDCU transactions*
  • Bonus term deposit interest rate

Community Not-for-Profit Organisations

  • Free, unlimited eligible BDCU transactions*
  • No monthly transaction fees


  • Business memberships provide competitive interest rates and services comparable to major banks
  • Multiple signatories can be established as authorities to operate accounts. Internet banking with functionality such as batch payments, multiple login access and extra security with one-time passwords (two-factor authentication)


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* Please refer to the list of eligible transactions to see what is included. Be aware that General fees and charges may still apply. Terms and conditions apply to the memberships mentioned above. Please refer to the General Terms and Conditions, and the relevant brochures for specific accounts and services you would like to open as part of the membership.

And there's more

BDCU Honest