Interest
6.24%p.a.
Comparison*
6.56%p.a.
Est. repayment
$3,075
LVR ≤80%
Credit Union SA Home Loan Rates
Tracked products
95
Variable product example
6.34%
A verified Credit Union SA product example is Package Variable <80% LVR Owner Occupied P&I Special: 6.34% p.a. (6.70% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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.
Fixed product example
6.24%
A verified Credit Union SA product example is 3-Year Fixed XL Home Loan Package: 6.24% p.a. (6.56% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 1% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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.
Variable example comparison
6.70%
A verified Credit Union SA product example is Package Variable <80% LVR Owner Occupied P&I Special: 6.34% p.a. (6.70% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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.
Last updated
1 November 2026
Credit Union SA is one of the Australian home-loan lenders we track daily. We currently surface 95 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?
Ratesniffers compares Credit Union SA home loan products by comparison rate. A verified Credit Union SA product example is Package Variable <80% LVR Owner Occupied P&I Special: 6.34% p.a. (6.70% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. A verified Credit Union SA product example is 3-Year Fixed XL Home Loan Package: 6.24% p.a. (6.56% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 1% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. 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?
A verified Credit Union SA product example is Package Variable <80% LVR Owner Occupied P&I Special: 6.34% p.a. (6.70% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. A verified Credit Union SA product example is 3-Year Fixed XL Home Loan Package: 6.24% p.a. (6.56% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 1% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. These selected examples do not establish the lowest rate across every product or borrower scenario.
How many home loan products does Credit Union SA offer?
Ratesniffers currently tracks 95 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 | 6.24% p.a. | 6.56% p.a. | 97% |
| Fixed 3-year Owner-occupier P&I | 6.24% p.a. | 6.56% p.a. | 97% |
| Fixed 2-year Owner-occupier P&I | 6.34% p.a. | 6.58% p.a. | 97% |
| Fixed 2-year Owner-occupier P&I | 6.34% p.a. | 6.58% p.a. | 97% |
| Fixed 3-year Owner-occupier P&I | 6.24% p.a. | 6.60% p.a. | n/a |
| Fixed 3-year Owner-occupier P&I | 6.24% p.a. | 6.60% p.a. | n/a |
| Variable Owner-occupier P&I | 6.29% p.a. | 6.65% p.a. | 60% |
| Fixed 2-year Owner-occupier P&I | 6.34% p.a. | 6.66% p.a. | n/a |
| Fixed 2-year Owner-occupier P&I | 6.34% p.a. | 6.66% p.a. | n/a |
| Variable Owner-occupier P&I | 6.34% p.a. | 6.70% p.a. | 80% |
| Variable Investor interest-only | 6.74% p.a. | n/a | 60% |
| Fixed 3-year Investor interest-only | 6.74% p.a. | n/a | 80% |
60 of 95 tracked Credit Union SA home loan products
Interest
6.24%p.a.
Comparison*
6.56%p.a.
Est. repayment
$3,075
LVR ≤80%
Interest
6.34%p.a.
Comparison*
6.58%p.a.
Est. repayment
$3,108
LVR ≤80%
Interest
6.34%p.a.
Comparison*
6.58%p.a.
Est. repayment
$3,108
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
6.29%p.a.
Comparison*
6.65%p.a.
Est. repayment
$3,092
LVR ≤60%
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
6.34%p.a.
Comparison*
6.70%p.a.
Est. repayment
$3,108
LVR ≤80%
Interest
6.74%p.a.
Comparison*
Not available
Est. interest only / month
$2,808
LVR ≤60%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.74%p.a.
Comparison*
Not available
Est. interest only / month
$2,808
LVR ≤80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.79%p.a.
Comparison*
6.61%p.a.
Est. repayment
$3,256
LVR ≤80%
Interest
6.79%p.a.
Comparison*
6.75%p.a.
Est. repayment
$3,256
LVR not stated
Interest
6.79%p.a.
Comparison*
6.75%p.a.
Est. repayment
$3,256
LVR not stated
Interest
6.79%p.a.
Comparison*
Not available
Est. interest only / month
$2,829
LVR ≤80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.79%p.a.
Comparison*
6.61%p.a.
Est. repayment
$3,256
LVR ≤80%
Interest
6.84%p.a.
Comparison*
Not available
Est. interest only / month
$2,850
LVR ≤80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.49%p.a.
Comparison*
6.85%p.a.
Est. repayment
$3,157
LVR not stated
Interest
6.49%p.a.
Comparison*
6.85%p.a.
Est. repayment
$3,157
LVR not stated
Interest
6.49%p.a.
Comparison*
6.85%p.a.
Est. repayment
$3,157
LVR ≤60%
Interest
6.54%p.a.
Comparison*
6.90%p.a.
Est. repayment
$3,174
LVR ≤80%
Interest
6.59%p.a.
Comparison*
6.91%p.a.
Est. repayment
$3,190
LVR not stated
Interest
6.59%p.a.
Comparison*
6.91%p.a.
Est. repayment
$3,190
LVR not stated
Interest
7.04%p.a.
Comparison*
7.03%p.a.
Est. interest only / month
$2,933
LVR not stated
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.04%p.a.
Comparison*
7.03%p.a.
Est. interest only / month
$2,933
LVR not stated
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.04%p.a.
Comparison*
7.00%p.a.
Est. repayment
$3,340
LVR not stated
Interest
7.04%p.a.
Comparison*
7.00%p.a.
Est. repayment
$3,340
LVR not stated
Interest
7.04%p.a.
Comparison*
Not available
Est. interest only / month
$2,933
LVR ≤80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.14%p.a.
Comparison*
7.01%p.a.
Est. interest only / month
$2,975
LVR not stated
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.14%p.a.
Comparison*
Not available
Est. interest only / month
$2,975
LVR ≤80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.29%p.a.
Comparison*
Not available
Est. repayment
$3,424
LVR ≤97%
Interest
7.29%p.a.
Comparison*
Not available
Est. interest only / month
$3,038
LVR ≤80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.24%p.a.
Comparison*
7.33%p.a.
Est. repayment
$3,075
LVR ≤97%
Interest
7.04%p.a.
Comparison*
7.40%p.a.
Est. repayment
$3,340
LVR ≤97%
Interest
6.34%p.a.
Comparison*
7.45%p.a.
Est. repayment
$3,108
LVR ≤97%
Interest
7.14%p.a.
Comparison*
7.46%p.a.
Est. repayment
$3,374
LVR ≤97%
Interest
6.79%p.a.
Comparison*
7.49%p.a.
Est. interest only / month
$2,829
LVR not stated
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.49%p.a.
Comparison*
7.52%p.a.
Est. repayment
$3,493
LVR not stated
Interest
7.49%p.a.
Comparison*
7.52%p.a.
Est. repayment
$3,493
LVR not stated
Interest
7.49%p.a.
Comparison*
7.52%p.a.
Est. repayment
$3,493
LVR not stated
Interest
7.49%p.a.
Comparison*
7.52%p.a.
Est. repayment
$3,493
LVR not stated
Interest
6.49%p.a.
Comparison*
7.54%p.a.
Est. repayment
$3,157
LVR ≤97%
Interest
7.49%p.a.
Comparison*
7.54%p.a.
Est. repayment
$3,493
LVR ≤97%
Interest
7.54%p.a.
Comparison*
Not available
Est. repayment
$3,510
LVR ≤97%
Interest
7.54%p.a.
Comparison*
Not available
Est. interest only / month
$3,142
LVR ≤80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.79%p.a.
Comparison*
7.59%p.a.
Est. repayment
$3,256
LVR ≤97%
Interest
7.24%p.a.
Comparison*
7.59%p.a.
Est. repayment
$3,407
LVR not stated
Interest
7.24%p.a.
Comparison*
7.59%p.a.
Est. repayment
$3,407
LVR not stated
Interest
7.24%p.a.
Comparison*
7.59%p.a.
Est. repayment
$3,407
LVR 60 to 80%
Interest
7.24%p.a.
Comparison*
7.59%p.a.
Est. repayment
$3,407
LVR not stated
Interest
7.24%p.a.
Comparison*
7.59%p.a.
Est. repayment
$3,407
LVR not stated
Interest
7.24%p.a.
Comparison*
7.59%p.a.
Est. repayment
$3,407
LVR ≤97%
Interest
7.24%p.a.
Comparison*
7.59%p.a.
Est. repayment
$3,407
LVR 60 to 80%
Interest
7.59%p.a.
Comparison*
7.01%p.a.
Est. interest only / month
$3,163
LVR not stated
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.59%p.a.
Comparison*
7.55%p.a.
Est. repayment
$3,527
LVR ≤97%
Interest
7.59%p.a.
Comparison*
Not available
Est. interest only / month
$3,163
LVR ≤80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.74%p.a.
Comparison*
7.61%p.a.
Est. interest only / month
$2,808
LVR not stated
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.14%p.a.
Comparison*
7.63%p.a.
Est. interest only / month
$2,975
LVR not stated
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.59%p.a.
Comparison*
7.64%p.a.
Est. interest only / month
$3,163
LVR not stated
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
*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
The starting interest input uses this selected Credit Union SA product example: Package Variable <80% LVR Owner Occupied P&I Special: 6.34% p.a. (6.70% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. Change the loan amount, rate or term to model your own mortgage. Repayments are principal and interest estimates, assume the entered rate remains unchanged, and exclude fees. Changes to these inputs do not establish product eligibility or approval.
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 amount you want to borrow.
Use the interest rate, not the comparison rate. Change it to model an actual offer or your own scenario.
Use the term in your offer or choose the number of years to model.
Monthly repayment
$3,108
Fortnightly repayment
$1,434
Total interest
$618,849
30 years at 6.34% (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 54,000 members with $2.0 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 12 September 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 8 Oct 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?
Ratesniffers compares Credit Union SA home loan products by comparison rate. A verified Credit Union SA product example is Package Variable <80% LVR Owner Occupied P&I Special: 6.34% p.a. (6.70% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. A verified Credit Union SA product example is 3-Year Fixed XL Home Loan Package: 6.24% p.a. (6.56% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 1% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. Compare Credit Union SA at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments, use /calculators/extra-repayment.
What is the lowest Credit Union SA home loan rate?
A verified Credit Union SA product example is Package Variable <80% LVR Owner Occupied P&I Special: 6.34% p.a. (6.70% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. A verified Credit Union SA product example is 3-Year Fixed XL Home Loan Package: 6.24% p.a. (6.56% comparison rate), 36-month fixed, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 1% to 80%), as of 20 October 2026. This is a selected example, not every product or a personalised offer. 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. These selected examples do not establish the lowest rate across every product or borrower scenario.
What is the monthly repayment on a $600,000 Credit Union SA home loan?
For a hypothetical $600,000 principal-and-interest loan over 30 years, keeping this variable interest rate unchanged gives about $3,729 a month before fees. The selected source example is Package Variable <80% LVR Owner Occupied P&I Special: 6.34% p.a. (6.70% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. Variable rates can change; this calculation does not establish eligibility or approval. 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. Use /calculators/repayment to model your own amount and term.
How much do you need to earn for a $500,000 Credit Union SA home loan?
There is no single salary requirement for a Credit Union SA home loan. The lender assesses income, expenses, debts and repayment capacity. APRA's residential mortgage framework generally requires governed authorised deposit-taking institutions to apply a minimum 3 percentage point buffer above the payable interest rate, ignoring temporary introductory discounts, with prudent limited policy exceptions. This does not establish Credit Union SA's actual assessment rate or approval criteria. Confirm the applicable lender policy and use /calculators/income-required for an illustrative estimate, not approval.
How does Credit Union SA's home loan rate compare to the market?
A verified Credit Union SA product example is Package Variable <80% LVR Owner Occupied P&I Special: 6.34% p.a. (6.70% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band up to 80%), as of 20 October 2026. Across 30 covered listed lenders, the median advertised interest rate of one selected owner-occupier principal-and-interest variable example per lender at 80% LVR is 6.44% p.a., as of 20 October 2026. This describes those selected examples, not the whole market or rates approved for borrowers. 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.
How many home loan products does Credit Union SA offer?
Ratesniffers currently tracks 95 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?
Compare Credit Union SA's available product conditions and total costs with your existing loan. A listed rate does not establish refinance eligibility. Allow for discharge, establishment and any fixed-loan early repayment costs, and confirm applicable lender terms before switching. Compare the table with /home-loans/refinance.
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 1 November 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.