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Refinance Offer

Make the switch and save

How much you could save over 25 years, if you refinance a $250,000 loan with Credit Union SA?

Let's compare:

This scenario is based on a principal and interest loan of $250,000 over 25 years, comparing a 3.79% pa rate including a $395 annual fee, with 5.22% pa standard variable rate with no annual fee.

Talk to us about the Credit Union SA Refinance Offer:

3.79% pa variable rate1

4.19% pa comparison rate3

Refinancing with the Credit Union SA Home Loan Package Refinance Offer means you can enjoy a fantastic collection of benefits for your home loan, Visa credit card, personal loans, investments and more. You pay just one annual fee of $395 and in return you’ll be able to do more with your money. You'll also enjoy: 

  • Free redraw
  • 100% Home Loan Offset Account 
  • No application fee 
  • Unlimited additional fee-free repayments

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 Managers can visit you at your convenience - just make an appointment when it suits you. You can also visit a branch (we are open Saturday mornings) or call us. 

Make an appointment Call us 8202 7777

Why refinance?

There are many reasons why you might consider refinancing your home loan.

  • To borrow some extra money to fund home improvements.
  • You’re not happy with your current bank and you want to switch your home loan to a lender that treats you better.
  • To pay off your loan quicker.
  • To access features and flexibility that weren’t available to you when you applied for your first mortgage.
  • Or you might want to reduce your loan costs by switching to a lower interest rate. 

Find out more on our help me to refinance a home loan page.

Help me to refinance

Lending criteria, conditions, home loan package fee (currently $395 pa) and other fees apply. Interest rate is current as at 25/8/2017 and is subject to change.

1This rate is available for owner occupied loans where $150,000 or more of the amount is refinanced from another financial institution to Credit Union SA and where the Loan to Value Ratio (LVR) is 70% or less. This offer is limited and may be withdrawn at any time.

2Average standard variable rate used was current as at 22/08/17 and sourced from the Canstar comparison website at

3Comparison rate is based on a $150,000 secured loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.