Credit Union SA Fixed Rate Home Loan

The details shown below are for an owner occupier taking out a principal & interest loan of at least $20,000 with an LVR below 97%

The details shown below are for an owner occupier taking out a interest only loan of at least $20,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan of at least $20,000 with an LVR below 90%

The details shown below are for an investor taking out a interest only loan of at least $20,000 with an LVR below 80%

Choose the version of loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 97%

    Loan: $20,000

  • Owner Occupier (Interest Only)

    LVR < 80%

    Loan: $20,000

  • Investor (Principal & Interest)

    LVR < 90%

    Loan: $20,000

  • Investor (Interest Only)

    LVR < 80%

    Loan: $20,000

4.29% p.a.

5.13% p.a.

$0.00

Credit Union SA Fixed Rate Home Loan

4.29% p.a.

5.13% p.a.

$0.00

4.59% p.a.

5.43% p.a.

$0.00

Credit Union SA Fixed Rate Home Loan

4.59% p.a.

5.43% p.a.

$0.00

4.54% p.a.

5.48% p.a.

$0.00

Credit Union SA Fixed Rate Home Loan

4.54% p.a.

5.48% p.a.

$0.00

4.84% p.a.

5.78% p.a.

$0.00

Credit Union SA Fixed Rate Home Loan

4.84% p.a.

5.78% p.a.

$0.00

Details

Rates and fees information correct as at 14 December 2018. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • 4.49% (5.34%*)

  • 4.29% (5.22%*)

  • 4.29% (5.13%*)

  • (*)

  • (*)

  • (*)

  • (*)

  • 5.37% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $150.00

  • none

  • $0.00

  • $350.00

Other financial bits
  • $20,000

  • none

  • none

  • 97.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $10,000 p.a.

  • none

  • yes - free

  • $500.00

  • yes

  • no

  • Legal and valuation fees payable at cost

  • $5,000 First Home Buyers Grant when you borrow at least $250,000 to purchase or build a home with LVR over 80%.

*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 fees 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. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 14 December 2018. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • 4.79% (5.64%*)

  • 4.59% (5.52%*)

  • 4.59% (5.43%*)

  • (*)

  • (*)

  • (*)

  • (*)

  • 5.67% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $150.00

  • none

  • $0.00

  • $350.00

Other financial bits
  • $20,000

  • none

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $10,000 p.a.

  • none

  • yes - free

  • $500.00

  • yes

  • no

  • Legal and valuation fees payable at cost. Interest only up to 5 years.

  • $5,000 First Home Buyers Grant when you borrow at least $250,000 to purchase or build a home with LVR over 80%.

*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 fees 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. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 14 December 2018. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • 4.74% (5.72%*)

  • 4.54% (5.58%*)

  • 4.54% (5.48%*)

  • (*)

  • (*)

  • (*)

  • (*)

  • 5.76% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $150.00

  • none

  • $0.00

  • $350.00

Other financial bits
  • $20,000

  • none

  • none

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $10,000 p.a.

  • none

  • yes - free

  • $500.00

  • yes

  • no

  • Legal and valuation fees payable at cost

  • $5,000 First Home Buyers Grant when you borrow at least $250,000 to purchase or build a home with LVR over 80%.

*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 fees 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. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Details

Rates and fees information correct as at 14 December 2018. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • 5.04% (6.01%*)

  • 4.84% (5.88%*)

  • 4.84% (5.78%*)

  • (*)

  • (*)

  • (*)

  • (*)

  • 6.06% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $150.00

  • none

  • $0.00

  • $350.00

Other financial bits
  • $20,000

  • none

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free up to $10,000 p.a.

  • none

  • yes - free

  • $500.00

  • yes

  • no

  • Legal and valuation fees payable at cost. Interest only up to 5 years.

  • $5,000 First Home Buyers Grant when you borrow at least $250,000 to purchase or build a home with LVR over 80%.

*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 fees 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. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Customer Reviews

How are Credit Union SA home loans rated by the Mozo community?

Overall customer rating
8.5/10
Price
8.2/10
Features
7.6/10
Customer service
8.5/10
Convenience
6.7/10
Trust
8.6/10

Latest reviews of Credit Union SA Fixed Rate Home Loan

  • Overall
    9/10
    Very happy with Credit Union SA

    I am fortunate enough to be a member of Credit Union SA. Their interest rate on their home loans...

    I am fortunate enough to be a member of Credit Union SA. Their interest rate on their home loans of 4.41% (4.42% comparison rate) would be amongst the lowest there are. Additionally their credit card charges the very low rate of 10.49% on both purchases and cash advances. ATM's are readily available as they use the Rediteller system. The only disadvantage of this credit union would be the fact they have limited locations (only 5 in the metropolitan area). However, with internet banking readily available, this can be overcome. They are also a very personable financial institution, with each call to them going directly to a local person rather than a machine or call centre. They offer the full range of services that a bank does, just without the fees. Additionally, being a non-profit organisation, financial gains are placed back into the community, particularly the education sector.

    Price
    10/10
    Features
    5/10
    Customer service
    9/10
    Convenience
    7/10
    Trust
    10/10

    Chris | South Australia

    reviewed over 3 years ago

  • Overall
    5/10
    Sound lenders but overly conservative.

    Credit Union Sa has allowed us to buy our house but are extremely conservative in lending to the...

    Credit Union Sa has allowed us to buy our house but are extremely conservative in lending to the point of being restrictive. When we do get to refinancing we will probably be forced to go elsewhere.

    Price
    5/10
    Features
    2/10
    Customer service
    6/10
    Convenience
    4/10
    Trust
    7/10

    Ben | South Australia

    reviewed over 3 years ago

  • Overall
    4/10
    Good loan rates

    I live in Brisbane and they are in Adelaide, however they make you jump through hoops and...

    I live in Brisbane and they are in Adelaide, however they make you jump through hoops and generally treat you like you are a pain to deal with.

    Price
    5/10
    Features
    4/10
    Customer service
    1/10
    Convenience
    0/10
    Trust
    0/10

    Emma | Queensland

    reviewed almost 5 years ago

  • Overall
    10/10
    Fantastic service and great options

    Being a single working mother, they couldn't have been more helpful. They were in a word... awesome!

    Being a single working mother, they couldn't have been more helpful. They were in a word... awesome!

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Ruth | South Australia

    reviewed over 5 years ago

  • Overall
    8/10
    Great rates and fantastic customer service

    At a time when every customer is a number, the Credit Union SA retains the personal skills that...

    At a time when every customer is a number, the Credit Union SA retains the personal skills that larger institutions have lost. Their staff make you feel welcome as soon as you step through the door.

    Price
    8/10
    Features
    8/10
    Customer service
    10/10
    Convenience
    6/10
    Trust
    8/10

    Matt | South Australia

    reviewed over 6 years ago

Credit Union SA

About Credit Union SA

Credit Union SA is a credit union providing its financial services to the South Australian region. Credit Union SA offers a wide range of financial products and services in credit cards, savings accounts, personal loans, home loans and car insurance. Credit Union SA pride themselves on providing excellent customer service and friendliness through all their financial products.

See Credit Union SA home loans

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3.99% p.a.

4.38% p.a.

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3.59% p.a.

3.61% p.a.

$150

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3.65% p.a.

3.66% p.a.

$0

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UHomeLoan - Offer

3.59% p.a.

3.59% p.a.

$0

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Variable Rate Loan

3.54% p.a.

3.59% p.a.

$567

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Well Home Loans

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Well Balanced

3.49% p.a.

3.53% p.a.

$600

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NAB

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Base Variable Rate Home Loan

3.87% p.a.

3.91% p.a.

$600

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Smart Loan Fixed (Package)

3.99% p.a.
fixed 3 years

4.31% p.a.

$520

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Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan

4.04% p.a.
fixed 3 years

4.84% p.a.

$0

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UBank

UBank

UHomeLoan (Fixed)

3.74% p.a.
fixed 3 years

4.01% p.a.

$395

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Virgin Money

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Reward Me Fixed Rate Home Loan

3.87% p.a.
fixed 3 years

4.02% p.a.

$150

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Bank Australia

Bank Australia

Basic Home Loan (Fixed)

3.89% p.a.
fixed 3 years

3.91% p.a.

$0

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Well Home Loans

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Well Balanced Fixed

3.83% p.a.
fixed 3 years

3.62% p.a.

$600

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NAB

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Tailored Home Loan (Fixed, Choice Package)

3.99% p.a.
fixed 3 years

4.86% p.a.

$0

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Beyond Bank

Beyond Bank

Fixed Rate Total Home Loan (Package)

3.83% p.a.
fixed 3 years

4.89% p.a.

$0

*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 fees 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. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.