Refinance for a better deal

Make the switch and save

An example of how much could you save over 25 years, if you refinance a $250,000 loan with Credit Union SA.

Credit Union SABig 4 Banks
ProductVariable Home Loan Package ≤70% – special offerAverage standard variable rate
Rate6.04% pa17.53% pa2
Ongoing monthly repayments$1,617$1,853
Total repayment$485,062$555,708
OutcomeWith Credit Union SA you'll save an extra $70,646Stick with their rate, and you'll pay an extra $70,646

This scenario is based on an average owner occupied principal and interest loan of $250,000 over 25 years, comparing a 6.04% pa rate (comparison rate of 6.41% pa) including a $395 annual fee, with a 7.53% pa standard variable rate with no annual fee.

Plus, as a Credit Union SA member you receive:

View Home Loans View Home Loan Rates

Get in touch with us today

So if you’re keen to find a better home loan and do more with your money, Credit Union SA can help you find the loan to suit your needs.

The first step is simply to talk to us and we can guide you from there. One of our Mobile Lending Managers can visit you at your convenience - just make an appointment when it suits you. You can also call us on (08) 8202 7777 or visit us at 400 King William Street, Adelaide.

Make an appointment Call us (08) 8202 7777

Loan Comparison Calculator

Use our calculator to compare your current home loan with Credit Union SA.

Start your application now

For a home loan that makes you feel at home – get in touch with us today.

Apply online

Start your home loan application online anytime, anywhere.

Details you’ll need to have handy:

  • Your income and living expense details
  • Information about what you own and what you owe.

We’ll call you back within 48 hours to talk you through the next steps.

Apply now

Connect with a Mobile Lender

Don’t have time to visit us?

No problem. We can come to you!

Simply book an appointment with one of our Mobile Lending Managers at a time and place that suits you.

Make an appointment

Call or visit us

We're here to help.

Call us on (08) 8202 7777

  • Monday to Friday 8am – 8pm (ACST)
  • Saturdays 8am – 2pm (ACST)

Visit us at 400 King William Street, Adelaide

  • Monday to Friday 8am – 5.30pm (ACST)
  • Saturdays 10am – 2pm (ACST)
  • Sunday – Closed


Offer valid as at 26/07/2023 is limited and may be withdrawn or altered at any time without notice. This offer is available on new loans with minimum new borrowings of $150,000 where the LVR is 80% or less and where no cashback is taken. Bridging loans are not eligible for this offer. Interest rates are subject to change.


Average standard variable rate used was current as at 25/07/2023 and sourced from the Canstar comparison website at canstar.com.au/home-loans


Other fees and charges may apply. This is general advice only and you should consider the terms and conditions before determining whether any of our products are suitable to your situation.

The target market for this product can be found within the product’s Target Market Determination (TMD), available at creditunionsa.com.au/legal/terms-and-conditions/target-market-determination