Target
Market Determinations

A Target Market Determination (TMD) is a determination that LCU has made to describe the class of customers this product has been designed for; specify product distribution conditions; specify review periods and triggers; and set out reporting requirements.

A TMD is not a product disclosure statement and is not a full summary of the product features or the terms of the product. It is not intended to be a customer disclosure document and does not take into account any person’s individual objectives, financial situation or needs.

If you are interested in acquiring an LCU Banking Product, please carefully read the LCU Account and Access Facility Conditions of Use; Summary of Accounts & Availability of Access Facilities and Fees & Charges brochure before making a decision. This information is available on our Disclosure Documents page or by request.

If you are interested in acquiring Home Loan products, please carefully read the relevant Home Loan Key Fact Sheet and Fees and Charges brochure before making a decision. Fees, charges, terms and conditions apply. This information is available on request.

You can access the Target Market Determinations (TMDs) for our products below. If you require a copy or further information, please email us at info@lcu.com.au or call us on (02) 9859 0585.

Savings Accounts

• S1 On Call Account – Target Market Determination
• Visa Debit Card – Target Market Determination
• S50 ESaver – Target Market Determination
• S34 Savvy Saver – Target Market Determination
• S33 Young and Free – Target Market Determination

Fixed Term Deposits

• I5 Fixed Term Deposit – Target Market Determination
• I3 Fixed Term Deposit – Target Market Determination

Home Loan Products

• Owner Occupied Home Loans – Target Market Determination
• Offset Account – Target Market Determination
• Investment Home Loans – Target Market Determination
• Bridging Loan – Target Market Determination

Personal Lending

• Personal Lending – Target Market Determination
• Line Of Credit – Target Market Determination
• Overdraft – Target Market Determination