Home loan rates › Credit Union SA
Variable Home Loan Package Principal and Interest
Credit Union SA
Our Variable Home Loan Package is ideal for those seeking significant flexibility. The Credit Union SA Variable Home Loan Package offers a fantastic collection of benefits across our Home Loans, Visa Credit Card, Personal Loans, Term Deposits and more. You pay an annual fee of $395 and in return you’ll save an absolute bundle. Home Loan Offset Accounts are available with selected Credit Union SA Variable Rate Home Loans.
Product data
The lender's Consumer Data Right data, as collected by Homepedia. Nothing in this part comes from a channel.Rates
| Rate | Comparison* | Applies to | Conditions | Source | Since |
|---|---|---|---|---|---|
| 7.49% | 7.84% | Variable · investment · principal and interest | CDR | 1 Nov 2026 | |
| 7.24% | 7.59% | Variable · owner occupied · principal and interest | Package rate: an annual package fee usually applies | CDR | 1 Nov 2026 |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is 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. Fees and charges are payable.
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Source
CDR officialConsumer Data Right product dataShow where this comes from
- Fetched
- 1 Nov 2026
- URL
https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_HL_442V- Content hash
sha256 6d52d5da73e3777e07cf8b7cfb96fe5f6484a39f74604833ebe502127f54a2d9- Rule version
mapper@0.1.2
Consumer Data Right product dataev_cdr_6d52d5da73e3777e_b05aff1aShow details
- Checked
- 1 Nov 2026
- URL
https://openbanking.api.creditunionsa.com.au/cds-au/v1/banking/products/CREDITUNIONSA_HL_442V- Content hash
sha256 6d52d5da73e3777e07cf8b7cfb96fe5f6484a39f74604833ebe502127f54a2d9- Excerpt
- —
- Rule version
mapper@0.1.2
Page and PDF snapshots are kept by Homepedia; the hash above identifies the exact version we read. Data as at 1 Nov 2026.
Fees
| Fee | Type | Amount |
|---|---|---|
| Application fee | Upfront | $0.00 |
| Increase an existing home loan package | Event | $0.00 |
| Annual fee | Periodic | $395.00 |
| Settlement fee | Upfront | $0.00 |
| Split Loan Fee | Event | $150.00 |
| Split Loan Fee | Event | $100.00 |
| Guarantor Application Fee | Event | $200.00 |
Features and eligibility
| Item | Value | Details |
|---|---|---|
| Other | No loan application or monthly fee | |
| Redraw | ||
| Offset | ||
| Other | Unlimited fee-free additional repayments | |
| Digital banking | ||
| Extra repayments | ||
| Guarantor | ||
| Other | Split Loans are available with eligible products | |
| Eligibility: min age | 18 | |
| Eligibility: residency status | Australian citizen or permanent resident | |
| Limit: opening balance | 150000.00 | |
| Limit: max lvr | 0.97 |
Rate history
| Rate | From | To | Rate p.a. | Comparison |
|---|---|---|---|---|
| Variable · investment · principal and interest | 1 Nov 2026 | Current | 7.49% | 7.84% |
| Variable · owner occupied · principal and interest | 1 Nov 2026 | Current | 7.24% | 7.59% |
*Comparison rates are calculated on a $150,000 secured loan over a term of 25 years. WARNING: This comparison rate is 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. Fees and charges are payable.
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