Interest
5.99%p.a.
Comparison*
6.31%p.a.
Est. repayment
$2,995
LVR ≤80%
Credit Union SA Home Loan Rates
Tracked products
90
Lowest variable
6.04%
Lowest fixed
5.99%
Lowest comparison
6.31%
Last updated
11 Sept 2026
Credit Union SA is one of the Australian home-loan lenders we track daily. We currently surface 90 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 are Credit Union SA home loan rates?
Credit Union SA home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 6.04% p.a. and the lowest fixed rate currently 5.99% p.a., checked daily (last verified 11 Sept 2026). Compare Credit Union SA against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
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 5.99% p.a. These figures come from the 60 Credit Union SA products on this page that pass data-quality checks, ranked by comparison rate, checked daily (last verified 11 Sept 2026).
How many home loan products does Credit Union SA offer?
Ratesniffers currently tracks 90 Credit Union SA home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 60 that pass our data-quality checks on this page. 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 type | Rate | Comparison rate | Max LVR |
|---|---|---|---|
| Fixed 3-year Owner-occupier P&I | 5.99% p.a. | 6.31% p.a. | 97% |
| Fixed 2-year Owner-occupier P&I | 6.09% p.a. | 6.33% p.a. | 97% |
| Fixed 2-year Owner-occupier P&I | 6.09% p.a. | 6.33% p.a. | n/a |
| Fixed 2-year Owner-occupier P&I | 6.09% p.a. | 6.33% p.a. | n/a |
| Fixed 1-year Owner-occupier P&I | 6.29% p.a. | 6.34% p.a. | 97% |
| Fixed 3-year Owner-occupier P&I | 5.99% p.a. | 6.35% p.a. | n/a |
| Fixed 3-year Owner-occupier P&I | 5.99% p.a. | 6.35% p.a. | n/a |
| Variable Owner-occupier P&I | 6.04% p.a. | 6.41% p.a. | 60% |
| Fixed 1-year Owner-occupier P&I | 6.29% p.a. | 6.47% p.a. | n/a |
| Fixed 1-year Owner-occupier P&I | 6.29% p.a. | 6.47% p.a. | n/a |
| Variable Investor interest-only | 6.49% p.a. | n/a | 60% |
| Fixed 3-year Investor interest-only | 6.49% p.a. | n/a | 80% |
60 of 90 tracked Credit Union SA home loan products
Interest
6.09%p.a.
Comparison*
6.33%p.a.
Est. repayment
$3,027
LVR ≤80%
Interest
6.09%p.a.
Comparison*
6.33%p.a.
Est. repayment
$3,027
LVR not stated
Interest
6.09%p.a.
Comparison*
6.33%p.a.
Est. repayment
$3,027
LVR not stated
Interest
6.29%p.a.
Comparison*
6.34%p.a.
Est. repayment
$3,092
LVR ≤80%
Interest
5.99%p.a.
Comparison*
6.35%p.a.
Est. repayment
$2,995
LVR not stated
Interest
5.99%p.a.
Comparison*
6.35%p.a.
Est. repayment
$2,995
LVR not stated
Interest
6.04%p.a.
Comparison*
6.41%p.a.
Est. repayment
$3,011
LVR ≤60%
Interest
6.29%p.a.
Comparison*
6.47%p.a.
Est. repayment
$3,092
LVR not stated
Interest
6.29%p.a.
Comparison*
6.47%p.a.
Est. repayment
$3,092
LVR not stated
Interest
6.49%p.a.
Comparison*
Not available
Est. repayment
$3,157
LVR ≤60%
Interest
6.49%p.a.
Comparison*
Not available
Est. repayment
$3,157
LVR ≤80%
Interest
6.14%p.a.
Comparison*
6.51%p.a.
Est. repayment
$3,043
LVR not stated
Interest
6.14%p.a.
Comparison*
6.51%p.a.
Est. repayment
$3,043
LVR 60 to 80%
Interest
6.14%p.a.
Comparison*
6.51%p.a.
Est. repayment
$3,043
LVR ≤80%
Interest
6.54%p.a.
Comparison*
Not available
Est. repayment
$3,174
LVR ≤80%
Interest
6.59%p.a.
Comparison*
Not available
Est. repayment
$3,190
LVR ≤80%
Interest
6.24%p.a.
Comparison*
6.60%p.a.
Est. repayment
$3,075
LVR not stated
Interest
6.24%p.a.
Comparison*
6.60%p.a.
Est. repayment
$3,075
LVR not stated
Interest
6.34%p.a.
Comparison*
6.66%p.a.
Est. repayment
$3,108
LVR not stated
Interest
6.34%p.a.
Comparison*
6.66%p.a.
Est. repayment
$3,108
LVR not stated
Interest
6.54%p.a.
Comparison*
6.72%p.a.
Est. repayment
$3,174
LVR not stated
Interest
6.54%p.a.
Comparison*
6.72%p.a.
Est. repayment
$3,174
LVR not stated
Interest
6.79%p.a.
Comparison*
6.78%p.a.
Est. repayment
$3,256
LVR not stated
Interest
6.79%p.a.
Comparison*
Not available
Est. repayment
$3,256
LVR ≤80%
Interest
6.79%p.a.
Comparison*
Not available
Est. repayment
$3,256
LVR ≤80%
Interest
6.79%p.a.
Comparison*
Not available
Est. repayment
$3,256
LVR ≤80%
Interest
6.89%p.a.
Comparison*
6.76%p.a.
Est. repayment
$3,290
LVR not stated
Interest
6.89%p.a.
Comparison*
Not available
Est. repayment
$3,290
LVR ≤80%
Interest
7.04%p.a.
Comparison*
Not available
Est. repayment
$3,340
LVR ≤97%
Interest
6.14%p.a.
Comparison*
7.07%p.a.
Est. repayment
$3,043
LVR not stated
Interest
5.99%p.a.
Comparison*
7.09%p.a.
Est. repayment
$2,995
LVR ≤97%
Interest
7.09%p.a.
Comparison*
6.73%p.a.
Est. repayment
$3,357
LVR not stated
Interest
7.09%p.a.
Comparison*
Not available
Est. repayment
$3,357
LVR ≤80%
Interest
6.79%p.a.
Comparison*
7.15%p.a.
Est. repayment
$3,256
LVR ≤97%
Interest
6.09%p.a.
Comparison*
7.20%p.a.
Est. repayment
$3,027
LVR ≤97%
Interest
6.89%p.a.
Comparison*
7.21%p.a.
Est. repayment
$3,290
LVR ≤97%
Interest
6.54%p.a.
Comparison*
7.27%p.a.
Est. repayment
$3,174
LVR not stated
Interest
7.09%p.a.
Comparison*
7.27%p.a.
Est. repayment
$3,357
LVR ≤97%
Interest
7.24%p.a.
Comparison*
7.27%p.a.
Est. repayment
$3,407
LVR not stated
Interest
7.24%p.a.
Comparison*
7.27%p.a.
Est. repayment
$3,407
LVR not stated
Interest
7.24%p.a.
Comparison*
7.27%p.a.
Est. repayment
$3,407
LVR not stated
Interest
7.24%p.a.
Comparison*
7.27%p.a.
Est. repayment
$3,407
LVR not stated
Interest
7.24%p.a.
Comparison*
7.28%p.a.
Est. repayment
$3,407
LVR ≤97%
Interest
6.14%p.a.
Comparison*
7.29%p.a.
Est. repayment
$3,043
LVR not stated
Interest
7.29%p.a.
Comparison*
Not available
Est. repayment
$3,424
LVR ≤97%
Interest
7.29%p.a.
Comparison*
Not available
Est. repayment
$3,424
LVR ≤80%
Interest
6.24%p.a.
Comparison*
7.30%p.a.
Est. repayment
$3,075
LVR ≤97%
Interest
6.29%p.a.
Comparison*
7.31%p.a.
Est. repayment
$3,092
LVR ≤97%
Interest
6.14%p.a.
Comparison*
7.35%p.a.
Est. repayment
$3,043
LVR not stated
Interest
6.99%p.a.
Comparison*
7.35%p.a.
Est. repayment
$3,323
LVR ≤97%
Interest
6.49%p.a.
Comparison*
7.36%p.a.
Est. repayment
$3,157
LVR not stated
Interest
7.09%p.a.
Comparison*
7.36%p.a.
Est. repayment
$3,357
LVR not stated
Interest
6.54%p.a.
Comparison*
7.37%p.a.
Est. repayment
$3,174
LVR not stated
Interest
6.89%p.a.
Comparison*
7.38%p.a.
Est. repayment
$3,290
LVR not stated
Interest
6.79%p.a.
Comparison*
7.39%p.a.
Est. repayment
$3,256
LVR not stated
Interest
7.39%p.a.
Comparison*
Not available
Est. repayment
$3,458
LVR ≤80%
Interest
7.04%p.a.
Comparison*
7.40%p.a.
Est. repayment
$3,340
LVR ≤97%
Interest
6.34%p.a.
Comparison*
7.41%p.a.
Est. repayment
$3,108
LVR ≤97%
Interest
6.54%p.a.
Comparison*
7.43%p.a.
Est. repayment
$3,174
LVR not stated
*Important Information and Comparison Rate Warning
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
Credit Union SA home loan repayment calculator
Pre-filled with Credit Union SA's lowest advertised variable rate in the table above, 6.04% p.a. Change the loan amount, rate or term to model your own mortgage. Repayments are principal and interest estimates and exclude fees, so the comparison rate in the table is the better guide to total cost.
The amount you want to borrow.
Credit Union SA's lowest variable today: 6.04%.
Most owner-occupier loans run 25 to 30 years.
Monthly repayment
$3,011
Fortnightly repayment
$1,390
Total interest
$583,824
30 years at 6.04% (P&I)
For a fuller model, use the repayment calculator, see how extra payments change the balance with the extra repayments calculator, or check what you can borrow with the borrowing power calculator.
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 fees, offset and limits at a glance
- Application or establishment fee
- Various
- Discharge fee
- $350
- Settlement fee
- $150
- Additional valuation fee
- $300
- Rate lock fee
- Higher of $600 or 0.15% of loan amount
- Loan portability
- $300
- Offset account
- 100%
- Minimum offset balance
- $0
- Capitalising LMI
- Yes, up to 95% LVR in some cases dependent on buyer type
- Maximum total lending
- $3m before seeking CEO / Board approval
- Extra repayments on fixed
- Yes up to $10,000 per year
- When the fixed rate is locked
- From 90 days of signing document
Checked 4 Sept 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.
Credit Union SA home loans: frequently asked questions
What are Credit Union SA home loan rates?
Credit Union SA home loan rates are in the live table on this page. The lowest variable rate Ratesniffers ranks is currently 6.04% p.a., and the lowest fixed rate is 5.99% p.a., checked daily (last verified 11 Sept 2026). Compare Credit Union SA against the wider market at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments on a Credit Union SA balance, use /calculators/extra-repayment.
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 5.99% p.a., based on the 60 Credit Union SA products Ratesniffers ranks by comparison rate, checked daily (last verified 11 Sept 2026). The advertised rate isn't always the rate Credit Union SA approves, a broker can often negotiate a sharper deal on your scenario.
What is the monthly repayment on a $600,000 Credit Union SA home loan?
At Credit Union SA's lowest variable rate of 6.04% p.a., a $600,000 principal and interest loan over 30 years repays about $3,613 a month, and $500,000 about $3,011. That is an estimate at the advertised rate before fees; the comparison rate in the table above carries the fees, and a fixed or interest-only loan repays differently.
How much do you need to earn for a $500,000 Credit Union SA home loan?
There is no single salary. Like every Australian lender, Credit Union SA must assess a new home loan at a rate at least 3 percentage points above the loan's rate under APRA's serviceability buffer, so 6.04% p.a. is assessed at about 9.04% p.a., then test that repayment against income after living expenses and other debts. The income required calculator at /calculators/income-required works this backwards from a property price and deposit.
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 20 basis points below the market median of 6.24% 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 90 Credit Union SA home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 60 that pass our data-quality checks on this page. Every rate is checked daily against each lender's current published pricing 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 6.31% 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 11 Sept 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.