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Loan Rates

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Which rates are you interested to learn more about?

 

Owner Occupied Home Loans*

Loan Type Interest Rate Comparison Rate

 

 

My Life Variable Rate

(500,000 and over)  3.99% pa  4.02% pa2 Apply
  ($250,000 to $499,999)  4.09% pa  4.12% pa2 Apply
  ($150,000 to $249,999)  4.19% pa  4.22% pa2 Apply

My Life Fixed Rate

1 Year Fixed  4.39% pa1  4.54% pa2 Apply
  2 Year Fixed  4.18% pa1  4.33% pa2 Apply
  3 Year Fixed  3.95% pa1  4.25% pa2 Apply
  5 Year Fixed  4.59% pa1  4.46% pa2 Apply
Pro Pack Home Loan ($250,000 and over)  4.52% pa  4.57% pa2 Apply
  ($150,000 - $249,999)  4.77% pa  4.82% pa2 Apply
Standard Variable Rate Home Loan  5.12% pa  5.17% pa2 Apply
Basic Home Loan  4.61% pa  4.66% pa2 Apply
Interest Only Loan  5.12% pa  5.15% pa3 Apply
1 Year Fixed Interest Rate Loan  4.54% pa1  4.97% pa2 Apply
2 Year Fixed Interest Rate Loan  4.33% pa1  4.90% pa2 Apply
3 Year Fixed Interest Rate Loan  4.10% pa1  4.78% pa2 Apply
5 Year Fixed Interest Rate Loan  4.74% pa1  4.92% pa2 Apply
Home Equity Overdraft  5.12% pa n/a Apply

Investment Home Loans*

Loan Type Interest Rate Comparison Rate

 

 

Pro Pack Home Loan ($250,000 and over)  4.52% pa  4.57% pa2 Apply
  ($150,000 - $249,999)  4.77% pa  4.82% pa2 Apply
1 Year Fixed Interest Rate Loan  4.59% pa1  4.98% pa2 Apply
2 Year Fixed Interest Rate Loan  4.44% pa1  4.92% pa2 Apply
3 Year Fixed Interest Rate Loan  4.29% pa1  4.83% pa2 Apply
5 Year Fixed Interest Rate Loan  4.84% pa1  4.96% pa2 Apply

Personal / Car Loans

Loan Type Interest Rate Comparison Rate  
Overdraft (unsecured)  14.46% pa n/a Apply
Travel Loan  12.14% pa  12.29% pa4 Apply
Unsecured Personal Loan  12.14% pa  12.29% pa4 Apply
Secured Personal Loan  11.14% pa  11.29% pa5 Apply
New Car Variable Loan (up to 3 years old)5  10.05% pa  10.19% pa Apply
New Car Fixed Loan (up to 2 years old)5  7.95% pa6  8.09% pa4 Apply

VISA Credit Card

Loan Type Interest Rate Comparison Rate  
Low Rate VISA Credit Card  10.49% pa n/a Apply

Business Overdraft

Loan Type Interest Rate Comparison Rate  
Business Overdraft (Unsecured)  14.76% pa n/a Apply

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1 Reverting to the standard variable rate at that time.
2 Comparison rate calculated on a loan amount of $150,000 over a term of 25 years.
3 Comparison rate calculated on a loan amount of $150,000 over a term of 25 years. Please be aware that we do not provide Interest Only Loans for the terms specified in the table, these loans have a maximum term of five years.
4 Comparison rate based on a $30,000 loan over 5 years unsecured.
5 Secured by a bill of sale.
6 Interest rate fixed for the term of the loan – maximum 5 years.

WARNING: This comparison rate applies to the example(s) given. Different amounts and terms will result in different comparison rates.

Costs such as redraw fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Please note: Fees and charges apply. Sydney Credit Union Ltd's normal lending criteria applies.

*Rates for new residential loans only.

Compare*

 
View all SCU rates

* Based on a Standard Variable Home Loan Comparison Rate. Information is provided by Infochoice and is subject to change. To the extent permitted by law SCU takes no responsibility for the accuracy of information or any loss you or any other person suffers due to relying on the information provided. Terms & conditions and fees & charges apply. Comparison rate based on a $150,000 loan over a term of 25 years. WARNING This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.