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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      
  $150,000 - $249,999 4.07% pa 4.10% pa1
  $250,000 - $499,999 3.97% pa 4.00% pa1
  $500,000 and over 3.87% pa2 3.90% pa1
       
My Life Fixed Rate      
  1 Year 4.39% pa3 4.54% pa1
  2 Year 3.85% pa4 4.16% pa1
  3 Year 3.69% pa5 4.00% pa1
  5 Year 4.59% pa6 4.46% pa1
       
Basic Home Loan $150,000 and over 3.77% pa 3.81% pa1
       
Pro Pack Home Loan      
  $150,000 - $249,999 4.65% pa7 4.70% pa1
  $250,000 and over 4.40% pa8 4.45% pa1
       
Standard Variable Rate Home Loan   5.00% pa 5.05% pa1
1 Year Standard Fixed Rate Home Loan   4.54% pa3 4.97% pa1
2 Year Standard Fixed Rate Home Loan   4.00% pa4 4.67% pa1
3 Year Standard Fixed Rate Home Loan   3.69% pa9 4.44% pa1
5 Year Standard Fixed Rate Home Loan   4.74% pa6 4.92% pa1
Home Equity Overdraft   5.00% pa n/a

 

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  Investment Home Loans (currently not available)
Loan Type   Intestest Rate Comparison Rate
Pro Pack Investment Home Loan      
  $150,000 - $249,999 4.90% pa 4.95% pa
  $250,000 and over 4.65% pa 4.70% pa
       
1 Year Investment Fixed Interest Rate Loan   4.59% pa3 4.98% pa1
2 Year  Investment Fixed Interest Rate Loan   4.45% pa4 4.66% pa1
3 Year  Investment Fixed Interest Rate Loan   4.49% pa9 4.65% pa1
5 Year  Investment Fixed Interest Rate Loan   4.84% pa6 4.96% pa1

 

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  Personal / Car Loans
Loan Type Interest Rate Comparison Rate
Overdraft (unsecured) 14.46% pa  
Travel Loan 12.14% pa 12.29% pa10
Unsecured Personal Loan 12.14% pa 12.29% pa10
Secured Personal Loan 11.14% pa 11.29% pa10
New Car Variable Loan (up to 3 years old)5 10.05% pa11 10.19% pa10
New Car Fixed Loan (up to 2 years old)5 7.95% pa12 8.09% pa10

 

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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 residential loans only.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.

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.

2 The 3.87% p.a. rate applies to the My Life Variable Rate Home Loan Package minimum $500,000 on a term of up to 30 years. My Life Annual Package fee $350.

3 Fixed rate reverts to our Propack Home Loan 150K-249K tier rate after 1 year.

4 Fixed rate reverts to our Propack Home Loan 150K-249K tier rate after 2 years.

5 Rate is based on a 3 year fixed interest rate My Life Home Loan Package reverting to the My Life variable $150,000 to $249,999 rate.

6 Fixed rate reverts to our Propack Home Loan 150K-249K tier rate after 5 years.

7 A variable rate loan that offers up to 0.35% lower then our Standard Variable Home Loan rate.

8 A variable rate loan that offers up to 0.60% lower then our Standard Variable Home Loan rate.

9 Fixed rate reverts to our Propack Home Loan 150K-249K tier rate after 3 years.

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 variable rate loan.

12 Based on a secured fixed rate loan.