Credit Union SA home loan reviews

Credit Union SA
Credit Union SA's overall rating for home loans

(as rated by the Mozo community)

8.5 / 10

based on 14 reviews

Price

Features

Customer service

Convenience

Trust

Featured home loan from Credit Union SA

Recent Credit Union SA home loan reviews

Credit Union SA

Credit Union SA Variable Rate Home Loan (Owner Occupier, Principal & Interest) home loan review

Overall rating   10 / 10

Great

The staff are friendly and will help with all your questions.

Full review

The staff are friendly and will help with all your questions.

    Price   8 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   10 / 10

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Anne, South Australia, reviewed about 3 years ago

Credit Union SA

Credit Union SA home loan review

Overall rating   8 / 10

Good

Good

    Price   7 / 10

    Features   7 / 10

    Customer service   8 / 10

    Convenience   7 / 10

    Trust   7 / 10

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Jatinder, South Australia, reviewed over 3 years ago

Credit Union SA

Credit Union SA home loan review

Overall rating   10 / 10

Excellent

Credit Union SA provided us with a 'line of credit' funding for our house, which gave us the flexibility to manage our finances without any other requirement than that we make the minimum required payment at the appropriate times. Their...

Full review

Credit Union SA provided us with a 'line of credit' funding for our house, which gave us the flexibility to manage our finances without any other requirement than that we make the minimum required payment at the appropriate times. Their attitude was helpful and very informative in giving us ALL possible options. They have also managed our accounts extremely well with no illegal deductions from our accounts such as we suffered from with Homestart (South Australia). We are currently going through a lean period and Credit Union SA have found a way for us to cope until things get better. I commend them highly.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   3 / 10

    Trust   10 / 10

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Bill, South Australia, reviewed over 3 years ago

Credit Union SA

Credit Union SA Fixed Rate Home Loan (Owner Occupier, Principal & Interest) home loan review

Overall rating   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 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...

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.

    Price   10 / 10

    Features   5 / 10

    Customer service   9 / 10

    Convenience   7 / 10

    Trust   10 / 10

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Chris, South Australia, reviewed over 3 years ago

Credit Union SA

Credit Union SA Fixed Rate Home Loan (Owner Occupier, Principal & Interest) home loan review

Overall rating   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 point of being restrictive. When we do get to refinancing we will probably be forced to go elsewhere.

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.

    Price   5 / 10

    Features   2 / 10

    Customer service   6 / 10

    Convenience   4 / 10

    Trust   7 / 10

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Ben, South Australia, reviewed over 3 years ago

Credit Union SA

Credit Union SA Fixed Rate Home Loan (Owner Occupier, Principal & Interest) home loan review

Overall rating   4 / 10

Good loan rates

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.

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.

    Price   5 / 10

    Features   4 / 10

    Customer service   1 / 10

    Convenience   0 / 10

    Trust   0 / 10

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Emma, Queensland, reviewed almost 5 years ago

Credit Union SA

Credit Union SA Fixed Rate Home Loan (Owner Occupier, Principal & Interest) home loan review

Overall rating   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!

Full review

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

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Ruth, South Australia, reviewed over 5 years ago

Credit Union SA

Credit Union SA home loan review

Overall rating   9 / 10

Great service, competitive rates!

Credit Union SA have been the best home loan provider I have ever been with. I have had direct access to a Branch Manager whenever I needed them. They call you back when they promise, and the call centre staff just cannot do enough to help you!...

Full review

Credit Union SA have been the best home loan provider I have ever been with. I have had direct access to a Branch Manager whenever I needed them. They call you back when they promise, and the call centre staff just cannot do enough to help you! Happy to recommend them to all my friends and family!

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   7 / 10

    Trust   10 / 10

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Name not supplied, South Australia, reviewed over 5 years ago

Credit Union SA

Credit Union SA home loan review

Overall rating   9 / 10

total package incl. having friendly staff

the flexibility of the product

Full review

the flexibility of the product

    Price   8 / 10

    Features   10 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   10 / 10

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Sam, Queensland, reviewed about 6 years ago

Credit Union SA

Credit Union SA home loan review

Overall rating   9 / 10

Peasure to deal with

They are just a pleasure to deal with and sort problems out (if any) quickly.

Full review

They are just a pleasure to deal with and sort problems out (if any) quickly.

    Price   8 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   10 / 10

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Jenny, South Australia, reviewed over 6 years ago

Credit Union SA

Credit Union SA Fixed Rate Home Loan (Owner Occupier, Principal & Interest) home loan review

Overall rating   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 larger institutions have lost. Their staff make you feel welcome as soon as you step through the door.

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.

    Price   8 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   6 / 10

    Trust   8 / 10

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Matt, South Australia, reviewed over 6 years ago

Credit Union SA

Credit Union SA home loan review

Overall rating   9 / 10

Charges are low and customer service is first-class

Full review

Charges are low and customer service is first-class

    Price   9 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

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Jennifer, South Australia, reviewed over 7 years ago

Credit Union SA

Credit Union SA home loan review

Overall rating   9 / 10

Very competitive rates and easy friendly service

Full review

Very competitive rates and easy friendly service

    Price   7 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   5 / 10

    Trust   10 / 10

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Airlie, South Australia, reviewed over 7 years ago

Credit Union SA

Credit Union SA home loan review

Overall rating   10 / 10

Very good customer service and a competitive rate.

Full review

Very good customer service and a competitive rate.

    Price   10 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Roland, South Australia, reviewed over 8 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Home loan comparisons on Mozo - rates updated daily

  • MOZO EXPERTS CHOICE AWARDS 2018

    loans.com.au Essentials Variable 80 (Owner Occupier, Principal & Interest)

    loans.com.au Essentials Variable 80 (Owner Occupier, Principal & Interest)

    • A super-low rate available to purchases & refinance
    • No monthly fees, Redraw facility with no minimum
    • Split loan facility – up to five free splits with fixed rate or identical variable loan product

    interest rate

    3.64% p.a. variable

    comparison rate*

    3.66% p.a.

    upfront fees

    $520

    Go to site

    More info

    • A super-low rate available to purchases & refinance
    • No monthly fees, Redraw facility with no minimum
    • Split loan facility – up to five free splits with fixed rate or identical variable loan product
    • Interest rate: 3.64% p.a. variable
    • Comparison rate*: 3.66% p.a.
    • Upfront fees: $520
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.2

    Based on 636 loans.com.au home loan reviews

    Need more information?
    Go to site

    More info

  • HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

    HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager

    interest rate

    3.59% p.a. variable

    comparison rate*

    3.61% p.a.

    upfront fees

    $150

    Go to site

    More info

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager
    • Interest rate: 3.59% p.a. variable
    • Comparison rate*: 3.61% p.a.
    • Upfront fees: $150
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free online
    • Offset account: no
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $7,500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.0

    Based on 109 HSBC home loan reviews

    Need more information?
    Go to site

    More info

  • Bank Australia Basic Home Loan Special (LVR<80%, Owner Occupier)

    Bank Australia Basic Home Loan Special (LVR<80%, Owner Occupier)

    • Special rate of 3.66% p.a. comparison rate applies to a maximum LVR of 80%
    • Redraw available. Flexible repayments
    • Loan repayment pause for eco-upgrades to your home or maternity leave

    interest rate

    3.65% p.a. variable

    comparison rate*

    3.66% p.a.

    upfront fees

    $0

    Go to site

    More info

    • Special rate of 3.66% p.a. comparison rate applies to a maximum LVR of 80%
    • Redraw available. Flexible repayments
    • Loan repayment pause for eco-upgrades to your home or maternity leave
    • Interest rate: 3.65% p.a. variable
    • Comparison rate*: 3.66% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $250.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $10,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.8

    Based on 79 Bank Australia home loan reviews

    Need more information?
    Go to site

    More info

  • Queensland Country Credit Union Discount Ultimate Home Loan Special (Principal & Interest, LVR<90%) (Package)

    Queensland Country Credit Union Discount Ultimate Home Loan Special (Principal & Interest, LVR<90%) (Package)

    • Available for Owner Occupied or Residential Investment purposes
    • Fully featured home loan including 100% offset and redraw (Owner Occupied loans only)
    • Bank with Queensland’s largest regionally based, Member-owned Credit Union

    interest rate

    3.61% p.a. variable

    comparison rate*

    3.97% p.a.

    upfront fees

    $0

    Go to site

    More info

    • Available for Owner Occupied or Residential Investment purposes
    • Fully featured home loan including 100% offset and redraw (Owner Occupied loans only)
    • Bank with Queensland’s largest regionally based, Member-owned Credit Union
    • Interest rate: 3.61% p.a. variable
    • Comparison rate*: 3.97% p.a.
    • Upfront fees: $0
    • Ongoing fees: $350.00 yearly
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $5,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier, Investor
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    9.4

    Based on 22 Queensland Country Credit Union home loan reviews

    Need more information?
    Go to site

    More info

  • Well Home Loans Well Balanced (Owner Occupier, Principal & Interest, LVR <80%)

    Well Home Loans Well Balanced (Owner Occupier, Principal & Interest, LVR <80%)

    • Well Balanced home loan is a low rate home loan with free online redraw and no valuation fee.
    • Purchase, Refinance or Equity Release purposes allowed
    • Optional 100% interest offset sub-account with Visa debit card access

    interest rate

    3.49% p.a. variable

    comparison rate*

    3.53% p.a.

    upfront fees

    $600

    Go to site

    More info

    • Well Balanced home loan is a low rate home loan with free online redraw and no valuation fee.
    • Purchase, Refinance or Equity Release purposes allowed
    • Optional 100% interest offset sub-account with Visa debit card access
    • Interest rate: 3.49% p.a. variable
    • Comparison rate*: 3.53% p.a.
    • Upfront fees: $600
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes - $10/month
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $10,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Need more information?
    Go to site

    More info

*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.

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*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.

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