Credit Union SA · Owner-occupier · Updated September 2026

Credit Union SA Owner-occupier Home Loans, September 2026

Credit Union SA lists 24 owner occupier home loans in the Ratesniffers index today. The lowest is 5.99% p.a. (comparison rate 6.31% p.a.) on a 3-year fixed term, on 3-Year Fixed XL Home Loan Package. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.

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Credit Union SA owner occupier home loan rates, September 2026

Credit Union SA3-Year Fixed XL Home Loan Package

3y FixedRedraw

Interest

5.99%p.a.

Comparison*

6.31%p.a.

Est. repayment

$2,995

LVR ≤80%

Enquire

Credit Union SA2-Year Fixed XL Home Loan Package

2y FixedRedraw

Interest

6.09%p.a.

Comparison*

6.33%p.a.

Est. repayment

$3,027

LVR ≤80%

Enquire

Credit Union SA2-Year Fixed Rate Home Loan Principal and Interest

2y FixedRedraw

Interest

6.09%p.a.

Comparison*

6.33%p.a.

Est. repayment

$3,027

LVR not stated

Enquire

Credit Union SA2-Year Fixed Home Loan Package Principal and Interest

2y FixedRedraw

Interest

6.09%p.a.

Comparison*

6.33%p.a.

Est. repayment

$3,027

LVR not stated

Enquire

Credit Union SA1-Year Fixed XL Home Loan Package

1y FixedRedraw

Interest

6.29%p.a.

Comparison*

6.34%p.a.

Est. repayment

$3,092

LVR ≤80%

Enquire

Credit Union SA3-Year Fixed Rate Home Loan Principal and Interest

3y FixedRedraw

Interest

5.99%p.a.

Comparison*

6.35%p.a.

Est. repayment

$2,995

LVR not stated

Enquire

Credit Union SA3-Year Fixed Home Loan Package Principal and Interest

3y FixedRedraw

Interest

5.99%p.a.

Comparison*

6.35%p.a.

Est. repayment

$2,995

LVR not stated

Enquire

Credit Union SAPackage Variable <60% LVR Owner Occupied P&I Special

VariableOffsetRedraw

Interest

6.04%p.a.

Comparison*

6.41%p.a.

Est. repayment

$3,011

LVR ≤60%

Enquire

Credit Union SA1-Year Fixed Home Loan Principal and Interest

1y FixedRedraw

Interest

6.29%p.a.

Comparison*

6.47%p.a.

Est. repayment

$3,092

LVR not stated

Enquire

Credit Union SA1-Year Fixed Home Loan Package Principal and Interest

1y FixedRedraw

Interest

6.29%p.a.

Comparison*

6.47%p.a.

Est. repayment

$3,092

LVR not stated

Enquire

Credit Union SAVariable Home Loan Package Specials

VariableOffsetRedraw

Interest

6.14%p.a.

Comparison*

6.51%p.a.

Est. repayment

$3,043

LVR not stated

Enquire

Credit Union SAXL Home Loan Package

VariableOffsetRedraw

Interest

6.14%p.a.

Comparison*

6.51%p.a.

Est. repayment

$3,043

LVR 60 to 80%

Enquire

Credit Union SAPackage Variable <80% LVR Owner Occupied P&I Special

VariableOffsetRedraw

Interest

6.14%p.a.

Comparison*

6.51%p.a.

Est. repayment

$3,043

LVR ≤80%

Enquire

Credit Union SA3-Year Fixed Home Loan Package Interest Only

3y FixedRedraw

Interest

6.79%p.a.

Comparison*

6.78%p.a.

Est. repayment

$3,256

LVR not stated

Enquire

Credit Union SA3 Year Fixed Package Owner Occupied IO

3y FixedRedraw

Interest

6.79%p.a.

Comparison*

Not available

Est. repayment

$3,256

LVR ≤80%

Enquire

Credit Union SA2-Year Fixed Home Loan Package Interest Only

2y FixedRedraw

Interest

6.89%p.a.

Comparison*

6.76%p.a.

Est. repayment

$3,290

LVR not stated

Enquire

Credit Union SA2 Year Fixed Package Owner Occupied IO

2y FixedRedraw

Interest

6.89%p.a.

Comparison*

Not available

Est. repayment

$3,290

LVR ≤80%

Enquire

Credit Union SADiscounted Variable Owner Occupied P&I

VariableRedraw

Interest

7.04%p.a.

Comparison*

Not available

Est. repayment

$3,340

LVR ≤97%

Enquire

Credit Union SADiscounted Variable Rate Home Loan Principal and Interest

VariableRedraw

Interest

6.14%p.a.

Comparison*

7.07%p.a.

Est. repayment

$3,043

LVR not stated

Enquire

Credit Union SA3 Year Fixed Package Owner Occupied P&I

3y FixedRedraw

Interest

5.99%p.a.

Comparison*

7.09%p.a.

Est. repayment

$2,995

LVR ≤97%

Enquire

Credit Union SA1-Year Fixed Home Loan Package Interest Only

1y FixedRedraw

Interest

7.09%p.a.

Comparison*

6.73%p.a.

Est. repayment

$3,357

LVR not stated

Enquire

Credit Union SA1 Year Fixed Package Owner Occupied IO

1y FixedRedraw

Interest

7.09%p.a.

Comparison*

Not available

Est. repayment

$3,357

LVR ≤80%

Enquire

Credit Union SA3 Year Fixed Owner Occupied P&I

3y FixedRedraw

Interest

6.79%p.a.

Comparison*

7.15%p.a.

Est. repayment

$3,256

LVR ≤97%

Enquire

Credit Union SA2 Year Fixed Package Owner Occupied P&I

2y FixedRedraw

Interest

6.09%p.a.

Comparison*

7.20%p.a.

Est. repayment

$3,027

LVR ≤97%

Enquire

*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 · Owner-occupier

Credit Union SA owner-occupier home loans, what to weigh

Credit Union SA's owner-occupier panel, P&I and offset-eligible products at every LVR band, ranked sharpest-first by comparison rate. Rates and eligibility can differ across products and LVR tiers, so use the lender page above for current product-level figures rather than assuming every owner-occupier option has the same price.