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Interest Rates |
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We also offer competitive interest rates to Schools and Preschools.
For further information, visit Schools and Preschools Interest Rates.
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Loans |
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Annual % Rate (p.a.)
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Comparison Rate (p.a.)
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Basic Home / Investment Loan
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8.72% |
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8.77%2 |
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Offset Home / Investment Loan
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9.22% |
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9.27%2 |
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Revolving Line of Credit
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9.27% |
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N/A |
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Bridging Loan
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9.22% |
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9.27%2 |
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Construction Loan
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9.22% |
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9.30%2 |
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Standard Home Loan
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9.15% |
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9.20%2 |
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Standard Home Loan - fixed for 1 year1
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8.99% |
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9.18%2 |
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Standard Home Loan - fixed for 3 years1
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9.29% |
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9.24%2 |
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Standard Home Loan - fixed for 5 years1
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9.29% |
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9.27%2 |
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New Car Loan
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9.95% |
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9.96%3 |
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Used Car Loan
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10.95% |
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10.99%4 |
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Share Loan
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11.20% |
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11.20%5 |
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Personal Loan
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12.70% |
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12.70%6 |
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Revolving Personal Loan
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12.70% |
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N/A |
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Student Loan
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11.70% |
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11.74%4 |
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Student Loan (deferred)
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12.20% |
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12.24%4 |
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Line of Credit
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14.49% |
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N/A |
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Credit Card
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14.24% |
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N/A |
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Interest is calculated daily. Interest rates are per annum, current at the time of printing and are subject to change without notice. 1. Rates are indicative only. Fixed Rates are fixed at the date of funding. 2. Comparison rate calculated on a secured loan amount of $150,000 for a term of 25 years. 3. Comparison rate calculated on a secured loan amount of $30,000 for a term of 5 years. 4. Comparison rate calculated on a secured loan amount of $10,000 for a term of 3 years. 5. Comparison rate calculated on an unsecured loan amount of $2,500 for a term of 2 years. 6. Comparison rate calculated on an unsecured loan amount of $10,000 for a term of 3 years. 7. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate.
 To download a Comparison Rate Schedule, click here.
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Term Deposits |
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$500- $19,999
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$20,000- $49,999
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$50,000- $99,999
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$100,000+
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30 days
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5.75% |
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6.00% |
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6.25% |
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6.50% |
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60 days
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6.00% |
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6.25% |
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6.50% |
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6.75% |
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90 days
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7.25% |
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7.50% |
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7.60% |
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7.70% |
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120 days
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7.35% |
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7.55% |
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7.75% |
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7.85% |
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180 days
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7.50% |
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7.60% |
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7.80% |
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8.00% |
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270 days
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7.50% |
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7.60% |
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7.80% |
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8.00% |
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1 year
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7.80% |
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7.90% |
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8.00% |
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8.10% |
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2 years
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7.70% |
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7.80% |
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7.90% |
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8.00% |
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Savings Accounts (Interest calculated daily and credited quarterly - except S98 and I3) |
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Everyday and Budget Accounts (S1, S2)
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$0-$14,999
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0.05%p.a. |
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$15,000-$29,999
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0.10%p.a. |
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$30,000 and over
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0.25%p.a. |
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Deeming Account (S9)
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$0-$39,400
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4.00%p.a. |
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$39,401 and over
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6.00%p.a. |
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Cash Management (S10)
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$0-$4,999
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0.05%p.a. |
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$5,000-$19,999
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4.65%p.a. |
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$20,000-$49,999
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5.35%p.a. |
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$50,000-$99,999
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6.90%p.a. |
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$100,000 and over
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7.00%p.a. |
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Regular Income Term Deposit (I3) (Conditions Apply)
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Minimum Deposit $5,000
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8.00%p.a. |
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Christmas Club (S3)
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all amounts
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1.00%p.a. |
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First Access (S18)
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0.75%p.a. |
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First Saver (S19)
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$0-$1,999
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5.50%p.a |
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$2,000 and over
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7.00%p.a |
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Online Saver Accounts (S99)
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$0-$1,999
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0.05%p.a. |
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$2,000 - $149,999
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7.00%p.a. |
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$150,000 +
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8.00%p.a. |
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Bonus Saver Account (S98)
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Base Rate
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With Bonus Rate* |
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$0-$14,999
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0.05%p.a.
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5.95%p.a.
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$15,000-$29,999
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0.10%p.a. |
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5.95%p.a. |
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$30,000+
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0.25%p.a. |
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5.95%p.a. |
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*Bonus rate applies when no withdrawals and at least one deposit is made in the month
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The relevant provisions of the Credit Union Code of Practice apply to these services and facilities. The Credit Union may charge a fee for these services and facilities. Refer to the Fees and Charges brochure, available on request. Full terms and conditions including variations to interest rates are prescribed in the Terms and Conditions brochure, available on request. Subject to change without notice. |
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