Credit Union SA home loans
7 home loans with 16 options: variable or fixed from 1 to 3 years, for owner-occupiers or investors, paying principal and interest or interest only, with rates by deposit size. Headline variant: owner-occupier · P&I · ≤80% LVR · comparison rate.
- Variable Home Loan Package SpecialsOffset account · redraw · no ongoing fee6.95%
- Discounted Variable Rate Home LoanRedraw · no ongoing fee7.57%
- Standard Variable Rate Home LoanOffset account · redraw · no ongoing fee7.79%
- Variable Home Loan PackageOffset account · redraw · no ongoing fee7.84%
- Fixed Home Loan PackageRedraw · no ongoing fee–
- Fixed Rate Home LoanRedraw · no ongoing fee–
- 1-Year Fixed Home Loan Principal and InterestRedraw · no ongoing fee–
The lowest rate for each choice: the comparison rate where the lender publishes one, else the advertised rate. Every variant is on the loan's own page.
Comparison rates are based on a secured loan of $150,000 over 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.
November 20268 changes
- 13Fri
- Standard Variable Rate Home Loan Interest Only2 variants up 0.25 to 0.269 days after the RBA rise to 4.85%+0.25 to +0.26All Variable · Interest Only · ≤80% LVR
Investor 7.90 8.15 +0.25 Owner-occupier 8.51 8.77 +0.26 - 2-Year Fixed Home Loan Package Principal and Interest2 variants up 0.219 days after the RBA rise to 4.85%+0.21All 2yr Fixed · P&I · ≤97% LVR
Owner-occupier 6.86 7.07 +0.21 Investor 7.65 7.86 +0.21 - 3-Year Fixed Rate Home Loan Principal and Interest2 variants up 0.17 to 0.189 days after the RBA rise to 4.85%+0.17 to +0.18All 3yr Fixed · P&I · ≤97% LVR
Owner-occupier 7.41 7.58 +0.17 Investor 7.65 7.83 +0.18 - 1-Year Fixed Home Loan Package Principal and Interest2 variants up 0.229 days after the RBA rise to 4.85%+0.22All 1yr Fixed · P&I · ≤97% LVR
Owner-occupier 6.93 7.15 +0.22 Investor 7.79 8.01 +0.22 - 2-Year Fixed Home Loan Package Interest Only2 variants up 0.20 to 0.219 days after the RBA rise to 4.85%+0.20 to +0.21All 2yr Fixed · Interest Only · ≤80% LVR
Investor 7.70 7.90 +0.20 Owner-occupier 7.01 7.22 +0.21 - 2-Year Fixed Rate Home Loan Interest Only2 variants up 0.219 days after the RBA rise to 4.85%+0.21All 2yr Fixed · Interest Only · ≤80% LVR
Investor 7.77 7.98 +0.21 Owner-occupier 7.63 7.84 +0.21 - 3-Year Fixed Rate Home Loan Interest Only2 variants up 0.17 to 0.189 days after the RBA rise to 4.85%+0.17 to +0.18All 3yr Fixed · Interest Only · ≤80% LVR
Investor 7.73 7.90 +0.17 Owner-occupier 7.64 7.82 +0.18 - 1-Year Fixed Rate Home Loan Interest Only2 variants up 0.229 days after the RBA rise to 4.85%+0.22All 1yr Fixed · Interest Only · ≤80% LVR
Investor 7.83 8.05 +0.22 Owner-occupier 7.64 7.86 +0.22
Investor, interest-only and other LVR-band variants sit behind each product; ranks are within the variant's own cohort. Compare home loans · Home loan report
Notes on Credit Union SA home loans
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As of 13 November 2026, Credit Union SA has seven home loan products in 41 variants tracked by BankMate. Its lowest comparison rate for an owner-occupier paying principal and interest on a variable loan is 6.95% (Variable Home Loan Package Specials), ranking 112th of 149 variable owner-occupier P&I loans and sitting 0.13 points above the market average of 6.82%. Its rates last moved on 13 November 2026, 9 days after the RBA rise to 4.85%. From the provider's Consumer Data Right feed, refreshed nightly.