Loan Interest Rates
Our interest rates have been designed with you in mind - our members.
We do not inflate rates as we do not have shareholders taking a percentage of our profits. Any profits we make are returned to you through better products, more competitive rates and lower fees.
| Home Loans | Interest Rate | Comparison Rate * |
| Variable Home Loan | 6.91 % p.a. | 6.97 % p.a. |
| Construction Loan | 6.91 % p.a. | 7.05 % p.a. |
| Bridging Loan | 6.91 % p.a. | 6.99 % p.a. |
| Interest Only Home Loan (10 yrs) | 6.91 % p.a. | 6.96 % p.a. |
| Cash Secured Home Loan | 6.91 % p.a. | 6.91 % p.a. |
| Personal / Car Loans | Interest Rate | Comparison Rate ** |
| Variable Personal Loan | 13.80 % p.a. | 13.80 % p.a. |
| 1 Yr Fixed Personal Loan | 10.25 % p.a. | 10.25 % p.a. |
| 2 Yr Fixed Personal Loan | 11.25 % p.a. | 11.25 % p.a. |
| 3 Yr Fixed Personal Loan | 12.25 % p.a. | 12.25 % p.a. |
| Special Fixed Rate Car Loan | 6.31 % p.a. | 6.31 % p.a. |
| New Car Loan | 10.00 % p.a. | 10.00 % p.a. |
| Used Car Loan | 11.00 % p.a. | 11.00 % p.a. |
| Overdrafts | Interest Rate | Comparison Rate |
| Unsecured Overdraft | 13.80 % p.a. | N/a |
| Mortgage Secured Overdraft | 7.91 % p.a. | N/a |
| Budget Saver Overdraft | 13.80 % p.a. | N/a |
| Visa Credit Card | Interest Rate | Comparison Rate |
| Visa Credit Card – Cash Rewards | 15.80 % p.a. | N/a |
| Visa Credit Card - Standard | 13.30 % p.a. | N/a |
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* Home Loan comparison rates are calculated on a loan amount of $150,000 over a term of 25 years
** Personal & Car Loan comparison rates are calculated on a loan amount of $30,000 over a term of 5 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.
