BSB 802-396

Perfect for

Loans over $250k

Secure borrower

Loan Features

Enjoy the perks of a Fixed Home Loan, like:

Redraw facility

Top up facility

No annual ongoing fees

Additional repayment option

  • Our Fixed Home Loan is available to personal home loan borrowers who meet the Credit Unions standard lending criteria. Click here to view the Home Loan Key Facts Sheets.
  • For loans $250k and over for a period of up to 30 years.
  • Fixed rate reverts to the Variable interest rate at expiry of the fixed rate term.
  • No early repayment without penalty (within the fixed period).



  • Direct credit
  • Electronic transfer


  • Online Redraw (electronic transfer)

Fees applicable to this product include:
• Valuation fee: at cost
• Legal fees: at cost
• Other fees may apply

This product has:
• No monthly account keeping fee for owner occupied property
• Free redraw facility
• No early repayment without penalty (within the fixed period)

Refer to the Credit Fees and Charges brochure and Fees, Charges and Transaction Limits brochure for more information.

Fixed term Interest rate Comparison rate
1 year fixed (P&I) 3.80% p.a. 4.21% p.a.
1 year fixed (IO) 4.35% p.a. 4.26% p.a.
2 year fixed (P&I) 3.90% p.a. 4.19% p.a.
2 year fixed (IO) 4.40% p.a. 4.28% p.a.
3 year fixed (P&I) 4.00% p.a. 4.19% p.a.
3 year fixed (IO) 4.65% p.a. 4.36% p.a.
5 year fixed (P&I) 4.74% p.a. 4.47% p.a.
5 year fixed (IO) 4.99% p.a. 4.57% p.a.

Interest is calculated daily on the outstanding balance and charged monthly in arrears on the last day of each month.

Refer to our rates and fees for more information.

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Important notes

Fixed rate shown is for loans $250,000 and over. 1.Rates current as at 08/05/2018 and are subject to change. Fixed rate reverts to our Variable rate after the fixed period. *Comparison rates are calculated on a loan amount of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Eligibility criteria, terms & conditions, fees & charges apply. Please refer to the Credit Fees and Charges brochure.