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To view our interest rates click on the links below

  Owner Occupied Home Loans*
Loan Type   Interest Rate Comparison Rate
My Life Variable Rate Package $150,000 - $249,999 3.59% pa 4.00% pa1
  $250,000 - $499,999 3.59% pa 4.00% pa1
  $500,000 and over 3.59% pa 4.00% pa1
My Life Fixed Rate Package 1 Year Fixed Rate 4.39% pa2 4.50% pa1
  2 Year Fixed Rate 3.69% pa2 4.40% pa1
  3 Year Fixed Rate 3.85% pa2 4.41% pa1
  5 Year Fixed Rate 4.59% pa2 4.68% pa1
First Home Buyer Loan $150,000 minimum 3.77% pa 3.82% pa1
Basic Variable Rate Home Loan $150,000 minimum 3.77% pa 3.82% pa1
ProPack Variable Rate Home Loan $150,000 - $249,999 4.65% pa 4.70% pa1
  $250,000 and over  4.40% pa 4.45% pa1
Standard Variable Rate Home Loan   5.00% pa 5.05% pa1
1 Year Standard Fixed Rate Home Loan   4.54% pa3 4.69% pa1
2 Year Standard Fixed Rate Home Loan   3.69% pa3 4.52% pa1
3 Year Standard Fixed Rate Home Loan   3.98% pa3 4.52% pa1
5 Year Standard Fixed Rate Home Loan   4.74% pa3 4.74% pa1
Home Equity Overdraft   5.00% pa n/a

 

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  Investment Home Loans*
Loan Type   Interest Rate Comparison Rate
Pro Pack Investment Home Loan Principal & Interest 4.65% pa4 4.70% pa1
  Interest Only 4.90% pa5 4.93% pa1
1 Year Fixed Rate Investment Loan Principal & Interest 4.59% pa6 4.69% pa1
2 Year Fixed Rate Investment Loan Principal & Interest 4.15% pa6 4.61% pa1
3 Year Fixed Rate Investment Loan Principal & Interest 4.49% pa6 4.66% pa1
5 Year Fixed Rate Investment Loan Principal & Interest 4.84% pa6 4.78% pa1
1 Year Fixed Rate Investment Loan Interest Only 4.84% pa7 4.93% pa1
2 Year Fixed Rate Investment Loan Interest Only 4.40% pa7 4.87% pa1
3 Year Fixed Rate Investment Loan Interest Only 4.74% pa7 4.90% pa1
5 Year Fixed Rate Investment Loan Interest Only 5.09% pa7 4.99% pa1

 

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  Personal / Car Loans*
Loan Type Interest Rate Comparison Rate
Overdraft (unsecured) 14.46% pa  
Unsecured Personal Loan 12.14% pa 12.29% pa8
Secured Personal Loan 11.14% pa 11.29% pa8
Special Variable Car Loan (cars up to 3 yrs old) 5.95% pa9 6.09% pa10
Fixed Car Loan (cars up to 2 yrs old) 7.95% pa11 8.09% pa8

 

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  VISA Credit Card & Overdraft    
Loan Type Interest Rate
Low Rate VISA Credit Card 10.49% pa
Overdraft (unsecured) 14.46% pa
Business Overdraft (unsecured) 14.76% pa

 

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*Rates for new loans only.

1 This comparison rate is 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. All applications are subject to SCU normal lending criteria. Fees and charges, terms and conditions apply.

2 At the end of the fixed period the rate reverts to the My Life Variable $150,000 to $249,999 rate.

3 At the end of the fixed period the rate reverts to our ProPack Variable Rate Home Loan $150,000-$249,999.

4 Rate is based on a ProPack Investment Principal & Interest Loan.

5 This rate is based on a ProPack Investment Interest Only Loan

6 At the end of the fixed period the rate reverts to our ProPack Variable Rate Principal & Interest Investment Loan.

7 At the end of the fixed period the rate reverts to our ProPack Variable Rate Interest Only Investment Loan.

8 Comparison rate based on a $30,000 loan over 5 years secured. Warning: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate.

9 Based on a secured variable rate loan. New loans only - no payout of existing SCU loans. Offer available for a limited time only.

10 Comparison rate based on a $30,000 loan over 5 years secured. Warning: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate.

11 Based on a secured fixed rate loan.