Home loan · 1yr Fixed
1-Year Fixed Home Loan Principal and Interest
7.77%comparison rate p.a. · 7.59% advertised
1yr Fixed · P&I · Owner-occupier · ≤97% LVR
64th of 75 1-year fixed owner-occupier P&I loans
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.
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Application fee
- $600
- Ongoing fee
- None
- Discharge fee
- None
- 1yr Fixed · P&I · Owner-occupier · ≤97% LVR
- 7.77% comparison · 7.59% advertised
- 1yr Fixed · P&I · Investor · ≤97% LVR
- 8.02% comparison · 7.84% advertised
- Application fee
- $600
- Ongoing fee
- None
- Discharge fee
- None
- Redraw fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Minimum loan
- $20,000
- 1-Year Fixed Home Loan Principal and Interest · 1yr Fixed · P&I · Owner-occupier
- RBA cash rate
November 20261 change
- 13Fri
- 2 variants up 0.229 days after the RBA rise to 4.85%+0.22All 1yr Fixed · P&I · ≤97% LVR
Owner-occupier 7.55 7.77 +0.22 Investor 7.80 8.02 +0.22
Our 1 year Fixed Rate Home Loan is perfect if you have a strict budget as you’ll know exactly what your repayments will be. Plus you pay no monthly.
Also from Credit Union SA: Variable Home Loan Package Specials 6.95% · Fixed Home Loan Package 6.99% · Discounted Variable Rate Home Loan 7.57% · Fixed Rate Home Loan 7.58% · Standard Variable Rate Home Loan 7.79% · Variable Home Loan Package 7.84%
As of 13 November 2026, the Credit Union SA 1-Year Fixed Home Loan Principal and Interest's 1-year fixed owner-occupier P&I variant has a comparison rate of 7.77% (7.59% advertised), ranking 64th of 75 1-year fixed owner-occupier P&I loans. The product comes in 2 variants; the other is investor. Its rate 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.