Credit Union SA · Refinance · Updated November 2026

Credit Union SA Refinance Home Loans, November 2026

Credit Union SA lists 24 refinance home loans in the Ratesniffers index today. The lowest is 6.24% p.a. (comparison rate 6.56% 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 refinance home loan rates, November 2026

Credit Union SA3-Year Fixed XL Home Loan Package

3y FixedRedraw

Interest

6.24%p.a.

Comparison*

6.56%p.a.

Est. repayment

$3,075

LVR ≤80%

Enquire

Credit Union SA3-Year Fixed 40 Year Home Loan Package

3y FixedRedraw

Interest

6.24%p.a.

Comparison*

6.56%p.a.

Est. repayment

$3,075

LVR ≤80%

Enquire

Credit Union SA2-Year Fixed XL Home Loan Package

2y FixedRedraw

Interest

6.34%p.a.

Comparison*

6.58%p.a.

Est. repayment

$3,108

LVR ≤80%

Enquire

Credit Union SA2-Year Fixed 40 Year Home Loan Package

2y FixedRedraw

Interest

6.34%p.a.

Comparison*

6.58%p.a.

Est. repayment

$3,108

LVR ≤80%

Enquire

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

3y FixedRedraw

Interest

6.24%p.a.

Comparison*

6.60%p.a.

Est. repayment

$3,075

LVR not stated

Enquire

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

3y FixedRedraw

Interest

6.24%p.a.

Comparison*

6.60%p.a.

Est. repayment

$3,075

LVR not stated

Enquire

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

VariableOffsetRedraw

Interest

6.29%p.a.

Comparison*

6.65%p.a.

Est. repayment

$3,092

LVR ≤60%

Enquire

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

2y FixedRedraw

Interest

6.34%p.a.

Comparison*

6.66%p.a.

Est. repayment

$3,108

LVR not stated

Enquire

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

2y FixedRedraw

Interest

6.34%p.a.

Comparison*

6.66%p.a.

Est. repayment

$3,108

LVR not stated

Enquire

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

VariableOffsetRedraw

Interest

6.34%p.a.

Comparison*

6.70%p.a.

Est. repayment

$3,108

LVR ≤80%

Enquire

Credit Union SA1-Year Fixed XL Home Loan Package

1y FixedRedraw

Interest

6.79%p.a.

Comparison*

6.61%p.a.

Est. repayment

$3,256

LVR ≤80%

Enquire

Credit Union SA1-Year Fixed Home Loan Principal and Interest

1y FixedRedraw

Interest

6.79%p.a.

Comparison*

6.75%p.a.

Est. repayment

$3,256

LVR not stated

Enquire

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

1y FixedRedraw

Interest

6.79%p.a.

Comparison*

6.75%p.a.

Est. repayment

$3,256

LVR not stated

Enquire

Credit Union SA1-Year Fixed 40 Year Home Loan Package

1y FixedRedraw

Interest

6.79%p.a.

Comparison*

6.61%p.a.

Est. repayment

$3,256

LVR ≤80%

Enquire

Credit Union SA3-Year Fixed Rate Home Loan Interest Only

3y FixedRedraw

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

Enquire

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.

Credit Union SA3-Year Fixed Home Loan Package Interest Only

3y FixedRedraw

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

Enquire

Credit Union SA3 Year Fixed Package Owner Occupied IO

3y FixedRedraw

Interest

7.04%p.a.

Comparison*

Not available

Est. interest only / month

$2,933

LVR ≤80%

Based on a $500,000 balance

Enquire

Credit Union SA2-Year Fixed Home Loan Package Interest Only

2y FixedRedraw

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

Enquire

Credit Union SA2 Year Fixed Package Owner Occupied IO

2y FixedRedraw

Interest

7.14%p.a.

Comparison*

Not available

Est. interest only / month

$2,975

LVR ≤80%

Based on a $500,000 balance

Enquire

Credit Union SADiscounted Variable Owner Occupied P&I

VariableRedraw

Interest

7.29%p.a.

Comparison*

Not available

Est. repayment

$3,424

LVR ≤97%

Enquire

Credit Union SA3 Year Fixed Package Owner Occupied P&I

3y FixedRedraw

Interest

6.24%p.a.

Comparison*

7.33%p.a.

Est. repayment

$3,075

LVR ≤97%

Enquire

Credit Union SA3 Year Fixed Owner Occupied P&I

3y FixedRedraw

Interest

7.04%p.a.

Comparison*

7.40%p.a.

Est. repayment

$3,340

LVR ≤97%

Enquire

Credit Union SA2 Year Fixed Package Owner Occupied P&I

2y FixedRedraw

Interest

6.34%p.a.

Comparison*

7.45%p.a.

Est. repayment

$3,108

LVR ≤97%

Enquire

Credit Union SA2 Year Fixed Owner Occupied P&I

2y FixedRedraw

Interest

7.14%p.a.

Comparison*

7.46%p.a.

Est. repayment

$3,374

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 · Refinance

Credit Union SA refinance home loans, what to weigh

Credit Union SA's refinance-eligible products. Compare against your existing rate plus exit costs. 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 refinance option has the same price.