Loans

To check the current Home Loan rates on the different loans available, visit our rates page.

Conditions, fees and lending criteria apply and are available on request

We offer Home Loan Offset Accounts on our Standard Variable Rate Home Loans and variable loans under a Home Loan Package. To find out more visit the Compare Home Loans page.

Providing you redraw a minimum of $500 at a time, you can redraw excess funds at any time for no fees. To find out more visit the Compare Home Loans page.

Our car loans offer multiple repayments options. Please check the product details for weekly, fortnightly and monthly options.

Struggling to save up enough of a deposit to buy your first home or first investment property? Then our Family Guarantee could be just the thing to get you into a place you can call your own. Our Family Guarantee enables first home buyers with limited savings to enter the property market sooner*.

Here's how it works – If your parents or other family members have equity in their home, investment property or have a Term Deposit with Credit Union SA, you can use that equity or investment to guarantee a portion of your loan.

Which family members can provide a Family Guarantee?

• Parents
• Parents-in-law
• Step-parents

Credit Union SA will consider the provision of guarantees by other immediate family members where a guarantee from the above-mentioned family members would not be appropriate.

When can a Family Guarantee be used?

Guarantees from family members can only be provided to assist first home buyers/investors to:

• purchase a new property;
• purchase an established property;
• build a new home.

Where a borrower is entitled to a government grant, the entitlement will not be affected by the provision of a Family Guarantee. Family Guarantees will not usually be accepted by the Credit Union where offered to support borrowings for a second/subsequent property or for any other purpose.

To find out more about leveraging the equity in Mum and Dad's home so you can get into yours, have an obligation-free chat with one of our experienced staff, Mobile Managers or download our guide.

*Subject to responsible lending criteria.

Generate a Home Loans Key Facts Sheet (HLKFS) on our website.

A Home Loans Key Facts Sheet (HLKFS) will provide you with information about our standard home loans that you can compare with other financial institutions. To generate one you'll need to select the home loan product type and enter the loan amount and loan term.

Yes, our Personal Loans offer flexible repayment options, no fees for extra repayments, and no fees for early repayment of loan in full.

You can apply for a Car or Personal Loan through any of the following methods.

Apply online

Or,

• Use the online application service on Internet Banking
• Make an appointment with one of our Mobile Lending Managers
• Call us on 13 8777
• Visit us at 400 King William Street, Adelaide

Yes, you can get pre-approval in preparation for finding the wheels you want. Visit us at 400 King William Street, Adelaide or call us on 13 8777 for more information.