Encompass has been in operation since 1953 and was created by a handful of people with tremendous tenacity and the desire to assist their fellow workmates achieve financial independence. It was formally known as Transrail Credit Union, however Encmpass Credit Union Limited changed its name in late 1997, to reflect a move to open its bond to the general community. As a member-owned cooperative, Encompass serves the needs of its members and their families by offering a wide range of financial services including savings accounts, lending products and insurance. Encompass is based on strong membership support in both the city and country, prudential standards above the industry average and statutory requirements, belief in providing services to meet demands, and management and staff that put the pursuit of excellence in service to members as its first and continuous priority.

With over 21,000 members and over $237 million worth of assets, Encompass owns four branches in the Sydney metropolitan area and one in Hamilton. For these members, there is one credit card available through Encompass Credit Union and it is a Visa Credit Card. The benefits include worldwide ATM/Eftpos access, internet and telephone payments and purchases and cash advance facilities. This credit card promises highly competitive interest rates, competitive annual fees, free balance transfers and award-winning value.

There are a number of different savings and investment accounts available to members through Encompass Credit Union to support financial control and growth. The transaction and savings accounts include the Access Plus Account, Budget Savings Account, Cash Management Account, Christmas Club Account, Deeming Account and Emoney Account. The investment accounts include the Home Loan Offset Account, Online Share Trading Account, Term Investments and Union Account.

If you are interested in finding the right credit card for you, have a look at our compare table and get an idea of which bank can offer you the best deal.

Membership Eligibility

Employees of NSW Government authorities engaged in the transportation industry primarily, State Rail, State Transit Authority, Roads and Traffic Authority, National Rail, Dept of Transport, etc. Employees of the transport industry and service providers to the industry. Persons living or working in the area serviced by the public transport network in NSW.