Interest
6.29%p.a.
Comparison*
6.65%p.a.
Est. repayment
$3,092
LVR ≤60%
Credit Union SA · Variable · Updated November 2026
Credit Union SA Variable Home Loans, November 2026
Credit Union SA lists 24 variable home loans in the Ratesniffers index today. The lowest is 6.29% p.a. (comparison rate 6.65% p.a.), on Package Variable <60% LVR Owner Occupied P&I Special. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.
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Credit Union SA variable home loan rates, November 2026
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
6.79%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
6.49%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
7.29%p.a.
Comparison*
Not available
Est. repayment
$3,424
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
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
7.24%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
6.79%p.a.
Comparison*
7.68%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
7.74%p.a.
Comparison*
Not available
Est. interest only / month
$3,225
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
7.74%p.a.
Comparison*
7.79%p.a.
Est. repayment
$3,579
LVR ≤97%
*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 · Variable
Credit Union SA variable home loans, what to weigh
Variable rates move with the lender's pricing decisions and the cash rate cycle. Less certainty, more flexibility, unlimited extra repayments, full offset. 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 variable option has the same price.
See also Credit Union SA's full product range, repayment calculator, and refinance savings calculator.