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Make the switch and save

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

 Credit Union SABig 4 Banks
Product Variable Home Loan Package^ Average standard variable rate
Rate 3.49% pa1 5.21% pa2
Ongoing monthly repayments $1,250 $1,492
Total repayment $384,941 $447,668
Outcome With Credit Union SA you'll save an extra $62,727 Stick with their rate, and you'll pay an extra $62,727

Make the switch and save

Talk to us about the benefits of refinancing with Credit Union SA


3.49% pa variable rate1

3.90% pa comparison rate

Minimum new owner occupied borrowings of $150,000 where the loan to value ratio is 80% or less.


Refinancing with the Credit Union SA Home Loan Package means you can enjoy a fantastic collection of benefits for your home loan, Visa Credit Card, Personal Loans, Term Deposits and more. You pay just one annual fee of $395 and in return you’ll be able to do more with your money. 

Home Loan savings:

  • Big rate reductions – save on fixed rate home loans and variable rate home loans
  • No application fee – save $600
  • No settlement fee – save $150
  • No top-up fee or renegotiation fee – save $300 each.
  • No annual fee on any Credit Union SA Visa Credit Card
  • Save 0.50% pa off the standard rates for any Personal Loans
  • Earn an extra 0.25% pa on any fixed Term Deposits for balances up to $250,000 

Plus, as a Credit Union SA member you receive:

Contact us

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

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

^Conditions and annual package fee of $395 applies.

1This offer is available on new loans with minimum new borrowings of $150,000. Bridging loans are not eligible for this offer. This offer is limited and may be withdrawn or altered at any time without notice. 

2Average standard variable rate used was current as at 19/06/19 and sourced from the Canstar comparison website at

This offer is limited and may be withdrawn or altered at any time without notice. Interest rates are subject to change. Conditions, fees and lending criteria apply and are available on request. Comparison rates are based on a $150,000 secured loan for 25 years. WARNING: These comparison rates are 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.

Download a copy of our Home Loan Interest Rates, Fees and Charges

3While we won’t charge any transaction fees, you may be charged a fee by the ATM operator if you perform transactions using an ATM that is not branded Commonwealth Bank, ANZ, Westpac, NAB or BankSA (including overseas ATMs). 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.

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