Interest Rates

As a Member-Owned institution, we don't have Shareholders taking our profits. All profits are returned to Members through better rates and fees. See how we compare.

 

Residential Loans

Interest Rate p.a.

Comparison Rate p.a.
Standard Variable Rate Home Loan 6.90% 6.99% **
Non-Standard Variable Home Loan 8.99% 9.08%**
1 Year Fixed Rate Home Loan POA# POA #
3 Year Fixed Rate Home Loan POA # POA #
5 Year Fixed Rate Home Loan POA# POA#

 

Commercial Loans

Interest Rate p.a.

Comparison Rate p.a.

Qualifying Mortgage Commercial Loan

 8.95% 9.04% **
Non-Qualifying Mortgage Commercial Loan 9.95% 10.04% **

Residential and Commercial Loan Rates are effective from 26th July 2011

 

Personal & Car Loans

Interest Rate p.a.

Comparison Rate p.a.
B Green Car Loan 8.99% 9.20% ^
Used Car Loan
(Loan in excess of $10,000)		 12.99% 13.23% ^
Secured Personal Loan 13.99% 14.66% ^^
Unsecured Personal Loan 14.99% 15.63% ^^

Personal and Car Loan Rates are effective from 3rd May 2012

 

Savings Accounts
 Interest Rate p.a.
  $0 - $499 $500 - $1,999 $2,000 - $4,999 $5,000 - $9,999 $10,000 - $19,999 $20,000 - $49,999 $50,000+
Savings & Business 1 0.00% 0.10% 0.15% 0.50% 0.50% 0.50% 0.50%
Cash Management 2 0.00% 0.10% 0.10% 2.50% 2.75% 3.00% 3.50%
Super Savers Childrens 1 0.15% 0.15% 0.25% 0.25% 0.25% 0.25% 0.25%
Special Purpose Saving 2 0.15% 0.25% 1.00% 1.00% 1.00% 1.00% 1.00%
Christmas Club 1 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50%

 

Term Deposit Accounts
 Interest Rate p.a.
  $500 - $4,999 $5,000 - $24,999 $25,000 - $49,999 $50,000+
3 Month Term 1.00% 4.00% 5.00% 5.00%
6 Month Term 1.00% 4.00% 5.00% 5.00%
9 Month Term 1.00% 4.50% 5.00% 5.00%
12 Month Term - Interest paid on maturity 1.00% 4.50% 5.00% 5.00%
12 Month Term - Interest paid monthly 1.00% 4.50% 4.50% 4.50%
24 Month Term 1.00% 4.50% 4.75% 5.00%

Savings and Term Deposit Rates are effective from 3rd May 2012

Please download our Saving and Term Deposit Rate Schedule
Saving and Term Deposit Rate Schedule

Please download our Loan Comparison Rate Schedule
Loan Comparison Rate Schedule

 

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Lending Terms and Conditions
* Reverting to the Home Loan Plus variable rate at that time, currently 6.90% p.a
** Comparison rate calculated on a loan amount of $150,000 over a term of 25 years.
^ Car Loan Comparison interest rates based on $30,000 loan for 5 years.
^^ Personal Loan Comparison interest rates based on $10,000 for 5 years.
# POA: Interest rate is available upon application.

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. A comparison rate schedule is available at the Credit Union.

Savings Terms and Conditions
1 Interest paid on minimum monthly balances
2 Interest calculated daily - paid monthly