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Home Loan Package The ultimate in savings and flexibility

Huge range of savings on home loans and other products

To help you save big money

The Credit Union SA Home Loan Package offers a fantastic collection of benefits across our home loans, Visa credit cards, personal loans, transaction accounts, investments 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, variable rate home loans and on lines of credit

  • No application fee – save $600

  • No settlement fee – save $150

  • No top-up fee or renegotiation fee – save $300 each.

Savings on other products:

  • Earn an extra 0.25% pa on any fixed term investments for balances up to $250,000 

Features

FREE property reports

To assist you in your search for the perfect property.

Flexible home loan repayment options

Weekly, fortnightly or monthly.

Redraw extra home loan repayments

Any time, and at no cost.

Put repayments on-hold for a while

If your circumstances change.

Owner Occupied Home Loan Package

Product Name Tier Rate Comparison Rate
Variable Home Loan Package^ $100,000 - $149,999 4.99% pa 5.36% pa
Variable Home Loan Package^ $150,000 - $249,999 4.74% pa 5.12% pa
Variable Home Loan Package^ $250,000 - $499,999 4.44% pa 4.82% pa
Variable Home Loan Package^ > $500,000 4.39% pa 4.77% pa
Product Name Interest Rate Comparison Rate
1 Year Fixed^ 4.39% pa 5.08% pa
2 Year Fixed^ 4.09% pa 5.00% pa
3 Year Fixed^ 4.19% pa 4.97% pa
Product Name Tier Interest Rate
Line of Credit Package^ $100,000 - $149,999 5.34% pa
Line of Credit Package^ $150,000 - $249,999 5.09% pa
Line of Credit Package^ $250,000 - $499,999 4.79% pa
Line of Credit Package^ > $500,000 4.74% pa

Investment Home Loan Package

Product Name Tier Rate Comparison Rate
Variable Home Loan Package^ $100,000 - $149,999 5.24% pa 5.61% pa
Variable Home Loan Package^ $150,000 - $249,999 4.99% pa 5.36% pa
Variable Home Loan Package^ $250,000 - $499,999 4.69% pa 5.07% pa
Variable Home Loan Package^ > $500,000 4.64% pa 5.02% pa
Product Name Interest Rate Comparison Rate
1 Year Fixed^ 4.49% pa 5.31% pa
2 Year Fixed^ 4.19% pa 5.21% pa
3 Year Fixed^ 4.29% pa 5.17% pa
Product Name Tier Interest Rate
Line of Credit Package^ $100,000 - $149,999 5.59% pa
Line of Credit Package^ $150,000 - $249,999 5.34% pa
Line of Credit Package^ $250,000 - $499,999 5.04% pa
Line of Credit Package^ > $500,000 4.99% pa

Fees

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

How we can help

Undisputed champions of flexibility.

Sometimes a bit of certainty is as good as a holiday.

Reduce your home loan interest without lifting a finger.

Everything you get from everything we have.

Tools

Calculate your repayments for different loans, for various terms and payment frequencies.

Get a realistic estimate of your borrowing capacity based on your likely income and expenses.

Find out in an instant what the mandatory government fees will be at different property purchase prices.

^Conditions, home loan package fee (currently $395 pa) and other fees apply. 

*While we won’t charge any transaction fees, you may be charged a fee by the ATM operator if you perform transactions using an ATM that is not part of the national rediATM network. Lending criteria, fees, conditions apply and are available upon request. Financial planning services are provided by Bridges Financial Services Pty Limited ABN 60 003 474 977 AFSL 240837. Comparison rates are based on a $150,000 secured loan over 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.