BSB 802-249 | 
13 22 49
Rates and Fees Loan Interest Rates
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, rates and fees. Take a look at our current interest rates below.
Home Loan Rates
| Rate | Comparison Rate | |
| Variable Home Loans | ||
| Standard Variable | 6.69% pa | 6.73% pa1 |
| Basic Variable | 6.02% pa | 6.15% pa1 |
| All in One Home Loan | 6.72% pa | N/a |
| Flying Start | 5.39% pa# | 6.60% pa1 |
| Fixed Home Loans | ||
| 1 year fixed | 5.95% pa | 6.66% pa1 |
| 2 year fixed | 5.95% pa | 6.59% pa1 |
| 3 year fixed | 5.99% pa | 6.53% pa1 |
| 5 year fixed | 6.19% pa | 6.51% pa1 |
Personal Loan Rates
| Rate | Comparison Rate | |
| Variable Personal Loans | ||
| Variable Rate New Car Loan | 9.15% pa | 9.33% pa2 |
| Fixed Personal Loans | ||
| New Car Loan - Secured by Bill of Sale | 9.60% pa | 9.78% pa2 |
| Secured Personal Loan | 10.60% pa | 10.87% pa3 |
| Unsecured Personal Loan | 11.99% pa | 12.36% pa4 |
Overdraft Rates
| Rate | Comparison Rate | |
| Unsecured | 15.70% pa | Na |
| Mortgage Secured | 12.85% pa | Na |
Additional Information
1 The comparison rate is based on a $150,000 secured loan for a term of 25 years.
2 The comparison rate is based on a $30,000 secured loan for a term of 5 years.
3 The comparison rate is based on a $20,000 secured loan for a term of 5 years.
4The comparison rate is based on a $15,000 secured loan for a term of 5 years.
# The interest rate is 1.30% below the Standard Variable rate for a period of 12 months for new loans approved from 9 Nov 2011. For loans approved prior to 9 Nov 2011 the interest rate is 1.25% below the Standard Variable rate for a period of 12 months. After 12 months the rates revert back to the Standard Variable rate applying at that time.
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 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. Download a comparsion rate schedule.
Interest on all loans is calculated on the daily balance at a daily rate equivalent to the annual rate divided by 365. Fees and charges apply.
Interest rates effective 17/05/2012 and are subject to change.
