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Credit Union SA Home Loan Rates

Active products
47
Lowest variable
6.04%
Lowest fixed
6.34%
Lowest comparison
6.08%
Last updated
28 July 2026

Credit Union SA is one of the Australian home-loan lenders we track daily. We currently surface 47 active products from Credit Union SA, refreshed from authoritative lender sources. The product table below sorts by comparison rate by default, the true-cost metric mandated by the National Consumer Credit Protection Act 2009, so you can see total cost, including standard fees, at a glance.

What is the lowest Credit Union SA home loan rate?

The lowest Credit Union SA variable home loan rate Ratesniffers tracks is 6.04% p.a., and the lowest fixed rate is 6.34% p.a. These figures come from the 43 Credit Union SA products on this page, ranked by comparison rate, refreshed daily (last updated 28 July 2026).

How many home loan products does Credit Union SA offer?

Ratesniffers currently tracks 43 Credit Union SA home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.

Credit Union SA home loan rates at a glance

Product typeRateComparison rateMax LVR
Variable Owner-occupier P&I6.04% p.a.6.08% p.a.100%
Variable Owner-occupier P&I6.04% p.a.6.08% p.a.100%
Variable Owner-occupier P&I6.04% p.a.6.08% p.a.100%
Variable Owner-occupier P&I6.04% p.a.6.08% p.a.100%
Variable Owner-occupier P&I6.04% p.a.6.08% p.a.100%
Variable Investor P&I6.24% p.a.6.28% p.a.100%
Variable Investor P&I6.24% p.a.6.28% p.a.100%
Variable Investor P&I6.24% p.a.6.28% p.a.100%
Variable Investor P&I6.24% p.a.6.28% p.a.100%
Fixed 1-year Owner-occupier P&I6.34% p.a.6.38% p.a.100%
Fixed 2-year Owner-occupier P&I6.34% p.a.6.38% p.a.100%
Fixed 2-year Owner-occupier P&I6.34% p.a.6.38% p.a.100%

43 Credit Union SA home loan products

Negotiate Credit Union SA rates with a broker

Advertised rates aren't always the rate Credit Union SA actually approves. Our broker negotiates against your specific scenario, no fee.

Talk to a broker

Who is Credit Union SA?

Credit Union SA is an Adelaide-based mutual created by teachers more than 65 years ago, and the education community remains central to it today, with education-specific banking benefits and school programs. It serves over 50,000 members with more than $1 billion in assets.

It is one of South Australia's largest locally based credit unions, with profits returned to members rather than shareholders.

Who suits a Credit Union SA home loan?

Credit Union SA tends to suit South Australian borrowers, particularly educators and their families, who want local customer-owned banking with sector-specific benefits. Compare its home-loan pricing against the wider market in the live table above.

Background facts checked 21 July 2026. Rates above refresh independently.

Credit Union SA home loans: frequently asked questions

What is the lowest Credit Union SA home loan rate?

Credit Union SA's lowest variable home loan rate is currently 6.04% p.a., and its lowest fixed rate is 6.34% p.a., based on the 43 Credit Union SA products Ratesniffers ranks by comparison rate, refreshed daily (last updated 28 July 2026). The advertised rate isn't always the rate Credit Union SA approves, a broker can often negotiate a sharper deal on your scenario.

How does Credit Union SA's home loan rate compare to the market?

Credit Union SA's lowest variable home loan rate today is 6.04% p.a., which is 5 basis points below the market median of 6.09% p.a., which puts Credit Union SA among the more competitive lenders on variable rates today. This is computed daily from the live rates across the lenders Ratesniffers tracks, so it reflects where Credit Union SA sits right now rather than a fixed snapshot.

How many home loan products does Credit Union SA offer?

Ratesniffers currently tracks 47 Credit Union SA home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 43 that pass our data-quality checks on this page. Every rate is refreshed daily and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.

Is Credit Union SA competitive for refinancing?

It depends on your loan size and LVR. Credit Union SA's lowest comparison rate is currently 6.08% p.a., worth checking against the wider market before you switch. On a $500,000 loan, even a 0.30% p.a. difference is about $100 a month, so comparing Credit Union SA against the sharpest available rate usually pays off.

How often are Credit Union SA's home loan rates updated?

Ratesniffers refreshes Credit Union SA's home loan rates daily; this page was last updated 28 July 2026. Rates can change whenever Credit Union SA reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.

Credit Union SA rates by borrower and loan type

The same Credit Union SA panel, filtered to the scenario you're actually shopping for.

Compare home loans across the market by purpose

The whole visible panel, sliced by what borrowers actually search for.

Other lenders you might compare

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Mortgage guides and market context

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