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The Credit Union SA Home Loan Package offers a fantastic collection of benefits across our home loans, Visa Credit Card, personal loansTerm Deposits and more.

You pay just one annual fee of $395 and in return you’ll save an absolute bundle.

Home loan savings

  • Big rate reductions – save on fixed rate home loans and variable rate home loans
  • No application fee – save $600
  • No settlement fee – save $150
  • No top-up fee or renegotiation fee – save $300 each.

Savings on other products

Plus, as a Credit Union SA member you receive:


Home Loan Offset Account

Home Loan Offset Accounts are available with selected Credit Union SA Variable Rate Home Loans. This offers all the convenient day-to-day banking features you need, but with the huge added advantage of also lowering the amount of interest you pay on your eligible variable rate home loan. It’s completely free from transaction fees+ and there are no monthly fees.

Here's how it works

Let’s say your variable rate home loan balance is $250,000. If you link your Home Loan Offset Account with a balance of $50,000 to your home loan, you will only be charged interest on your home loan based on a $200,000 balance. Over the life of the loan it could save you thousands. Home Loan Offset Accounts are available with selected Credit Union SA Variable Rate Home Loans.


Talk to us about a home loan today – we’re here to help.

Call us (08) 8202 7777 Make an appointment

Features

FREE CoreLogic RP Data property reports

To assist you in your search for the perfect property.

Request a Property Report

Flexible home loan repayment options

Weekly, fortnightly or monthly.

Redraw extra home loan repayments

Any time, and at no cost.

Special Offer Variable Home Loan Package

Product Name LVR Tier Interest Rate Comparison Rate
Owner Occupied Variable Home Loan Package^1 0.00% - 80.00% > $150,000 3.49% pa 3.90% pa
Owner Occupied Variable Home Loan Package - Interest only^#1 0.00% - 80.00% > $150,000 3.89% pa 4.29% pa
Investment Variable Home Loan Package^1 0.00% - 80.00% > $150,000 3.89% pa 4.29% pa
Investment Variable Home Loan Package - Interest only^#1 0.00% - 80.00% > $150,000 4.09% pa 4.48% pa

Special Offer 2 Year Fixed Home Loan Package

Product Name LVR Tier Interest Rate Comparison Rate
Owner Occupied Fixed Home Loan Package^2 0.00% - 80.00% > $150,000 3.59% pa 4.60% pa
Owner Occupied Fixed Home Loan Package - Interest only^#2 0.00% - 80.00% > $150,000 4.39% pa 4.98% pa
Investment Fixed Home Loan Package^2 0.00% - 80.00% > $150,000 3.95% pa 5.07% pa
Investment Fixed Home Loan Package - Interest only^#2 0.00% - 80.00% > $150,000 4.25% pa 5.37% pa

Owner Occupied Variable Home Loan Package

Product Name Tier Rate Comparison Rate
Variable Home Loan Package^ > $150,000 4.35% pa 4.74% pa
Variable Home Loan Package - Interest only^# > $150,000 4.65% pa 5.03% pa

Owner Occupied Fixed Home Loan Package

Product Name Interest Rate Comparison Rate
1 Year Fixed^ 4.29% pa 4.73% pa
1 Year Fixed - Interest only^# 4.59% pa 5.02% pa
2 Year Fixed^ 4.09% pa 4.69% pa
2 Year Fixed - Interest only^# 4.39% pa 4.98% pa
3 Year Fixed^ 4.09% pa 4.67% pa
3 Year Fixed - Interest only^# 4.39% pa 4.96% pa

Investment Variable Home Loan Package

Product Name Tier Rate Comparison Rate
Variable Home Loan Package^ > $150,000 4.87% pa 5.24% pa
Variable Home Loan Package - Interest only^# > $150,000 5.17% pa 5.54% pa

Investment Fixed Home Loan Package

Product Name Interest Rate Comparison Rate
1 Year Fixed^ 4.54% pa 5.21% pa
1 Year Fixed - Interest only^# 4.84% pa 5.51% pa
2 Year Fixed^ 4.34% pa 5.15% pa
2 Year Fixed - Interest only^# 4.64% pa 5.44% pa
3 Year Fixed^ 4.34% pa 5.10% pa
3 Year Fixed - Interest only^# 4.64% pa 5.39% pa

Fees

Fee Amount
Application Fee$0
Redraw Fee$0
Package Fee$395

Tools

The Borrowing power calculator will determine what amount a lender may lend you based on your income and expenses.

The Home Loan Repayment calculator allows you to calculate your repayments for different loans, for various terms and payment frequencies.

Compare two different loans using their individual honeymoon rates, upfront fees, monthly fees and discharge fees.

The Buying and Selling Costs calculator will calculate the costs of buying and selling, including real estate agent costs and stamp duty.

+While no transaction fees are charged by us, a fee may be charged by the ATM operator if transactions are performed within and outside of Australia using ATMs that are not part of the rediATM network. The amount of the fee may vary at different ATMs and will be disclosed and charged at the time of the transaction. This is general advice only. Before acquiring any financial product you should consider whether or not it is suitable for you.

^Conditions and annual package fee of $395 applies.

#Interest only interest rates apply when you request to only repay interest charges on you loan. For construction loans, you will only be charged interest only interest rates if, after your construction period, your repayments will not be principal & interest repayments.

LVR=Loan to Value Ratio.

1This offer is available on new loans with minimum new borrowings of $150,000. Bridging loans are not eligible for this offer.

2This offer is available on new loans with minimum new borrowings of $150,000. Bridging and construction loans are not eligible for this offer

These offers are limited and may be withdrawn or altered at any time without notice. Interest rates are subject to change. Conditions, fees and lending criteria apply and are available on request. Comparison rates are based on a $150,000 secured loan for 25 years. WARNING: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Download a copy of our Home Loan Interest Rates, Fees and Charges.

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