This product is available in different versions. Pick the right version for you here.
The details shown below are for an owner occupier taking out a principal & interest loan of at least $20,000 with an LVR below 90%
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 this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | < 90% | $20,000 | |
| | Owner Occupier | Interest Only | < 80% | $20,000 | |
| | Investor | Principal & Interest | < 90% | $20,000 | |
| | Investor | Interest Only | < 80% | $20,000 |
Owner Occupier (Principal & Interest)
LVR < 90%
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
3.44% p.a.
4.62% p.a.
$0.00
Credit Union SA Fixed Rate Home Loan
3.44% p.a.
4.62% p.a.
$0.00
Credit Union SA Fixed Rate Home Loan
3.44% p.a.
4.62% p.a.
$0.00
3.84% p.a.
5.01% p.a.
$0.00
Credit Union SA Fixed Rate Home Loan
3.84% p.a.
5.01% p.a.
$0.00
Credit Union SA Fixed Rate Home Loan
3.84% p.a.
5.01% p.a.
$0.00
3.84% p.a.
5.01% p.a.
$0.00
Credit Union SA Fixed Rate Home Loan
3.84% p.a.
5.01% p.a.
$0.00
Credit Union SA Fixed Rate Home Loan
3.84% p.a.
5.01% p.a.
$0.00
4.04% p.a.
5.28% p.a.
$0.00
Credit Union SA Fixed Rate Home Loan
4.04% p.a.
5.28% p.a.
$0.00
Credit Union SA Fixed Rate Home Loan
4.04% p.a.
5.28% p.a.
$0.00
n/a
n/a
n/a
n/a
3.64% (4.90%*)
3.44% (4.74%*)
3.44% (4.62%*)
n/a
n/a
n/a
n/a
4.97% p.a.
$600.00
$0.00
$0.00
$150.00
n/a
$0.00
$350.00
$20,000
none
none
90.00%
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%. $2,500 cashback available for refinancing a loan of $250,000 or more with an LVR less than 80%.
n/a
n/a
n/a
n/a
4.04% (5.30%*)
3.84% (5.14%*)
3.84% (5.01%*)
n/a
n/a
n/a
n/a
5.37% p.a.
$600.00
$0.00
$0.00
$150.00
n/a
$0.00
$350.00
$20,000
none
none
80.00%
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.
$2,500 cashback available for refinancing a loan of $250,000 or more with an LVR less than 80%.
n/a
n/a
n/a
n/a
3.99% (5.28%*)
3.84% (5.13%*)
3.84% (5.01%*)
n/a
n/a
n/a
n/a
5.36% p.a.
$600.00
$0.00
$0.00
$150.00
n/a
$0.00
$350.00
$20,000
none
none
90.00%
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
$2,500 cashback available for refinancing a loan of $250,000 or more with an LVR less than 80%.
n/a
n/a
n/a
n/a
4.29% (5.58%*)
4.04% (5.41%*)
4.04% (5.28%*)
n/a
n/a
n/a
n/a
5.66% p.a.
$600.00
$0.00
$0.00
$150.00
n/a
$0.00
$350.00
$20,000
none
none
80.00%
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.
$2,500 cashback available for refinancing a loan of $250,000 or more with an LVR less than 80%.
I am fortunate enough to be a member of Credit Union SA. Their interest rate on their home loans...
Read full review
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.
Less
Chris | South Australia
reviewed over 4 years ago
Credit Union Sa has allowed us to buy our house but are extremely conservative in lending to the...
Read full review
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.
Less
Ben | South Australia
reviewed over 4 years ago
I live in Brisbane and they are in Adelaide, however they make you jump through hoops and...
Read full review
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.
Less
Emma | Queensland
reviewed over 5 years ago
Being a single working mother, they couldn't have been more helpful. They were in a word... awesome!
Read full review
Being a single working mother, they couldn't have been more helpful. They were in a word... awesome!
Less
Ruth | South Australia
reviewed about 6 years ago
At a time when every customer is a number, the Credit Union SA retains the personal skills that...
Read full review
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.
Less
Matt | South Australia
reviewed over 7 years ago
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.
Promoted
Newcastle Permanent
Real Deal Home Loan
3.32% p.a. variable
3.36% p.a.
$0
Promoted
Bank of Queensland
Fixed Rate
2.99% p.a.
fixed 3 years
3.79% p.a.
$450
Promoted
IMB Bank
Fixed Home Loan
2.99% p.a.
fixed 3 years
3.51% p.a.
$799
Promoted
loans.com.au
Fixed Home Loan
3.19% p.a.
fixed 3 years
3.43% p.a.
$520
Promoted
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
2.99% p.a.
fixed 3 years
4.08% p.a.
$0
Promoted
Mortgage House
Fix and Save
n/a
n/a
$840
Promoted
loans.com.au
Smart Loan Fixed (Package)
3.19% p.a.
fixed 3 years
3.63% p.a.
$520
Promoted
IMB Bank
Fixed Home Loan
2.99% p.a.
fixed 3 years
3.51% p.a.
$799
