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Home loan · 3yr Fixed

Fixed Rate Home Loan

Rate
Loan for
Repayments
Deposit

7.58%comparison rate p.a. · 7.04% advertised

3yr Fixed · P&I · Owner-occupier · ≤97% LVR

61st of 73 3-year fixed owner-occupier P&I loans

Go to Credit Union SA

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
Compare all 859 home loans
Compare Credit Union SA Fixed side by side

1yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
7.86% comparison · 8.39% advertised
1yr Fixed · Interest Only · Investor · ≤80% LVR
8.05% comparison · 8.09% advertised
2yr Fixed · P&I · Owner-occupier · ≤97% LVR
7.67% comparison · 7.19% advertised
2yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
7.84% comparison · 7.99% advertised
2yr Fixed · P&I · Investor · ≤97% LVR
7.92% comparison · 7.44% advertised
2yr Fixed · Interest Only · Investor · ≤80% LVR
7.98% comparison · 7.69% advertised
3yr Fixed · P&I · Owner-occupier · ≤97% LVR
7.58% comparison · 7.04% advertised
3yr Fixed · Interest Only · Owner-occupier · ≤80% LVR
7.82% comparison · 7.84% advertised
3yr Fixed · P&I · Investor · ≤97% LVR
7.83% comparison · 7.29% advertised
3yr Fixed · Interest Only · Investor · ≤80% LVR
7.90% comparison · 7.54% advertised

Application fee
None
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

  • Fixed Rate Home Loan · 3yr Fixed · P&I · Owner-occupier
  • RBA cash rate
4.005.006.007.008.00SepOctToday7.58% p.a. today

November 20265 changes

  1. 13Fri
    • 2 variants up 0.17 to 0.189 days after the RBA rise to 4.85%
      All 3yr Fixed · P&I · ≤97% LVR
      Owner-occupier7.417.58+0.17
      Investor7.657.83+0.18
      +0.17 to +0.18
    • 2 variants up 0.219 days after the RBA rise to 4.85%
      All 2yr Fixed · Interest Only · ≤80% LVR
      Owner-occupier7.637.84+0.21
      Investor7.777.98+0.21
      +0.21
    • 2 variants up 0.17 to 0.189 days after the RBA rise to 4.85%
      All 3yr Fixed · Interest Only · ≤80% LVR
      Owner-occupier7.647.82+0.18
      Investor7.737.90+0.17
      +0.17 to +0.18
    • 2 variants up 0.229 days after the RBA rise to 4.85%
      All 1yr Fixed · Interest Only · ≤80% LVR
      Owner-occupier7.647.86+0.22
      Investor7.838.05+0.22
      +0.22
    • 2 variants up 0.209 days after the RBA rise to 4.85%
      All 2yr Fixed · P&I · ≤97% LVR
      Owner-occupier7.477.67+0.20
      Investor7.727.92+0.20
      +0.20

Our 3 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% · 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 14 November 2026, the Credit Union SA Fixed Rate Home Loan's 3-year fixed owner-occupier P&I variant has a comparison rate of 7.58% (7.04% advertised), ranking 61st of 73 3-year fixed owner-occupier P&I loans. The product comes in 10 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.