Home loan · 3yr Fixed
Fixed Home Loan Package
6.99%comparison rate p.a. · 6.24% advertised · With the Year Fixed Home Loan Package · $395 a year
3yr Fixed · P&I · Owner-occupier · ≤97% LVR
46th of 73 3-year fixed owner-occupier P&I loans
The same choices at every rate type
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
- None
- Ongoing fee
- None
- Discharge fee
- None
- 1yr Fixed · P&I · Owner-occupier · ≤97% LVR
- 7.15% comparison · 6.79% advertised
- 1yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
- 7.23% comparison · 7.59% advertised
- 1yr Fixed · P&I · Investor · ≤97% LVR
- 8.01% comparison · 7.04% advertised
- 1yr Fixed · Interest Only · Investor · ≤80% LVR
- 8.03% comparison · 7.29% advertised
- 2yr Fixed · P&I · Owner-occupier · ≤97% LVR
- 7.07% comparison · 6.39% advertised
- 2yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
- 7.22% comparison · 7.19% advertised
- 2yr Fixed · P&I · Investor · ≤97% LVR
- 7.86% comparison · 6.64% advertised
- 2yr Fixed · Interest Only · Investor · ≤80% LVR
- 7.90% comparison · 6.89% advertised
- 3yr Fixed · P&I · Owner-occupier · ≤97% LVR
- 6.99% comparison · 6.24% advertised
- 3yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
- 7.21% comparison · 7.04% advertised
- 3yr Fixed · P&I · Investor · ≤97% LVR
- 7.72% comparison · 6.49% advertised
- 3yr Fixed · Interest Only · Investor · ≤80% LVR
- 7.78% comparison · 6.74% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- None
- Package (Year Fixed Home Loan Package)
- $395 a year
- Redraw fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Minimum loan
- $150,000
- Fixed Home Loan Package · 3yr Fixed · P&I · Owner-occupier
- RBA cash rate
November 20266 changes
- 13Fri
- 2 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 - 2 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 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
Owner-occupier 7.01 7.22 +0.21 Investor 7.70 7.90 +0.20 - 2 variants up 0.229 days after the RBA rise to 4.85%+0.22All 1yr Fixed · Interest Only · ≤80% LVR
Owner-occupier 7.01 7.23 +0.22 Investor 7.81 8.03 +0.22 - 2 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
Owner-occupier 7.03 7.21 +0.18 Investor 7.61 7.78 +0.17 - 2 variants up 0.179 days after the RBA rise to 4.85%+0.17All 3yr Fixed · P&I · ≤97% LVR
Owner-occupier 6.82 6.99 +0.17 Investor 7.55 7.72 +0.17
Our 3 year Fixed Home Loan Package is perfect if you have a strict budget as you’ll know exactly what your repayments will be. The Credit Union SA Fixed Home Loan Package offers a fantastic collection of benefits across our Home Loans, Visa Credit Card, Personal Loans, Term Deposits and more. You pay an annual fee of $395.
Also from Credit Union SA: Variable Home Loan Package Specials 6.95% · Discounted Variable Rate Home Loan 7.57% · Fixed Rate Home Loan 7.58% · 1-Year Fixed Home Loan Principal and Interest 7.77% · Standard Variable Rate Home Loan 7.79% · Variable Home Loan Package 7.84%
As of 13 November 2026, the Credit Union SA Fixed Home Loan Package's 3-year fixed owner-occupier P&I variant has a comparison rate of 6.99% (6.24% advertised), ranking 46th of 73 3-year fixed owner-occupier P&I loans. The product comes in 12 variants; the others are investor, interest-only and other fixed terms. 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.