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GMCU外匯交易平臺怎麽樣,正規靠譜嗎?

WikiFX | 2025-05-20 16:33

摘要:GMCU (Goulburn Murray Credit Union Co-Operative Ltd) was founded in 1985 and is regulated under ASIC with license No. 241364, though the status is listed as “Exceeded.” The institution provides standard financial services such as home loans, personal banking accounts, and insurance products, but does not offer other trading services or demo accounts.

GMCU Review Summary
Founded1985
Registered Country/RegionAustralia
RegulationASIC (Exceeded)
ServicesLoans, banking accounts, term deposits, insurance
Demo Account❌
Trading PlatformMobile Banking App
Customer SupportPhone: 1800 694 628
Email: info@gmcu.com.au
Mail Address: PO Box 860, Shepparton, VIC 3632

GMCU Information

  GMCU (Goulburn Murray Credit Union Co-Operative Ltd) was founded in 1985 and is regulated under ASIC with license No. 241364, though the status is listed as “Exceeded.” The institution provides standard financial services such as home loans, personal banking accounts, and insurance products, but does not offer other trading services or demo accounts.

GMCU Information

Pros and Cons

ProsCons
Various contact channelsExceeded ASIC license
Wide range of traditional banking services
Multiple account choices
Long operation time

Is GMCU Legit?

  Yes, Goulburn Murray Credit Union Co-Operative Ltd (GMCU) is regulated. It holds an Investment Advisory License issued by the Australia Securities & Investments Commission (ASIC) under license number 241364. However, its regulatory status is marked as Exceeded, which may indicate the license is no longer valid or has surpassed its intended scope.

GMCU License

GMCU Services

  GMCU offers a broad range of retail banking services including home and personal loans, various account types, term deposits, and insurance options.

CategoryServices
Home LoansStandard Variable Plus, Fixed Rate, Construction Fixed Rate
Personal LoansSecured Personal Loan, Unsecured Personal Loan
Transaction AccountsMy Everyday Account, My Freedom Account, My Connect Account
Savings AccountsAdvantage Saver, Online Saver, Cash Manager Account
Term DepositsFixed Term Deposits, Monthly Income Deposits
InsuranceHome, Motor, Caravan & Trailer, Landlord Insurance
Products and Services

Account Type

  GMCU offers several types of real (live) accounts tailored to everyday banking needs, including personal transaction and savings accounts.

Account TypeSuitable for
My Everyday AccountIndividuals needing a general transaction account
My Freedom AccountStudents or concession card holders seeking fee waivers
My Connect AccountPeople who prefer digital banking with no branch access
Advantage Saver AccountRegular savers wanting bonus interest
Online Saver AccountOnline-focused savers
Cash Manager AccountMembers managing larger cash flows

GMCU Fees

  GMCU's fees are moderate to high compared to industry standards, particularly for unsecured lending products like personal loans and overdrafts.

Loan TypeInterest Rate (p.a.)
Home Loan (Owner Occupied, <80% LVR)5.94% - 5.79%
Home Loan (Owner Occupied, >80%-95% LVR)6.34% - 5.79%
Home Loan (Investment, <80% LVR)6.14% - 6.09%
Home Loan (Investment, >80%-95% LVR)6.54% - 6.09%
Personal Loan (Secured)7.79%
Personal Loan (Unsecured)14.95%
Overdraft (Secured)9.99% - 10.60%
Overdraft (Unsecured)17.69%
Business/Farm Loan (Secured)10.54% - 12.00%
Business/Farm Loan (Unsecured)18.75%
GMCU Fees

Trading Platform

Trading PlatformSupportedAvailable Devices
Mobile Banking App✔iOS, Android
Trading Platform

Deposit and Withdrawal

  GMCU does not explicitly mention charging fees for deposits or withdrawals.

Payment MethodFeesProcessing Time
Direct Entry Credit/Typically same-day
Direct Entry DebitDishonour fees may apply if insufficient fundsBased on supplier schedule
Periodical Payments/As scheduled
Internet/Mobile Banking/Instant or same-day
In-branch Deposit/Instant or by end of day
Deposit and Withdrawal

相關交易商

超限經營
GMCU
公司名稱:Goulburn Murray Credit Union Cooperative Ltd
天眼評分
3.40
官方網址:http://www.gmcu.com.au/
5-10年 | 澳大利亞監管 | 投資諮詢牌照 | 展業區域存疑
天眼評分
3.40

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