Benefits include:
 | A saving of $170 p.a. on average, by banking with us, compared to the four major banks.* |  | Competitive interest rates on deposits and loans. |  | Low cost banking facilities. |  | Competitive loan packages. |  | Superior, personalised service. |  | And much more!
| *as calculated by CANNEX.
Spread the word to family and friends, get them to join and go into the draw to win one of our monthly prizes:
 | $1000 for the referring Member. |  | $500 for the new Member. | When the completed new Member’s application is received by us, both the referring Member and the new Member will be entered into the draw. The more eligible people you refer, the more chances you have at winning!
For more information about membership for family and friends, call one of our friendly Member Service Consultants on 1300 654 822 or click here to download an application form.
Terms and Conditions: 1.The promoter of the competition is Victoria Teachers Credit Union of 277 Camberwell Road, Camberwell, Victoria, Australia, ABN 44 087 651 769. 2.The competition is not open to contractors or employees and is conditional on acceptance of these conditions. 3.All valid entries will be placed in the draw. 4.To be eligible for the prize draws, new Members must have become active Members. For the purpose of this competition, an active Member is classified as having purchased a membership share and taken up any of the following products: opened an everyday transaction account and credited their whole salary or part of their salary (minimum of $100 per month) to their transaction account; or taken out and funded a loan account; or taken out an insurance policy; or opened a Term Deposit account or savings account and made a deposit into it. 5.The competition commences Tuesday 1 July 2008 and concludes Tuesday 30 September 2008. 6.The monthly prize draws will take place at 10:00am at Victoria Teachers Credit Union, 277 Camberwell Road, Camberwell, on the following dates: Friday 5 September, Friday 10 October and Friday 14 November, to allow Members time to organise their payroll credits. The winners will be notified by telephone and will also be advertised in the notices section of Slate. 7.Members and new Members must be over 18 years of age to be eligible to enter, and a resident of Victoria. 8.Prize money will be credited directly to Members’ accounts. 9.Members will receive one entry into the draw for each referred active Member. 10.Coupon details must be attached to the new Member’s application for membership form. Prize money donated by CGU Insurance.
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