BSB 802-395

Are you curious to find out more about our current rates? To make it simple, we’ve placed all our rates in the one spot so you can check them out below.

We’ve even included, some information about our fees and charges. Don’t fret, they’re easy to understand. But if you have any questions, just call us 1300 937 824.

Our current rates:

Owner Occupied Home Loan Rates

Rate Comparison Rate
Variable
Variable Principal and Interest 4.20% p.a. 4.24% p.a1
Variable Interest Only 4.25% p.a. 4.29% p.a.1
Variable Lite Principal and Interest 5.10% p.a. 5.14% p.a.1
Variable Lite Interest Only 5.15% p.a. 5.19% p.a.1
Standard Variable 5.10% p.a. 5.14% p.a.1
Standard Variable Interest Only 5.15% p.a. 5.19% p.a.1
Two Year Introductory Variable 3.85% p.a. 4.71% p.a.1
Two Year Introductory Variable Reference Rate 4.85% p.a. 4.89% p.a.1
Fixed
1 year Fixed 4.10% p.a.2 4.23 % p.a.1
2 year Fixed 4.15% p.a.2 4.23% p.a.1
3 year Fixed 4.40% p.a.2 4.29% p.a.1
5 year Fixed 4.74% p.a.2 4.46% p.a.1
Fixed Lite 
1 year Fixed Lite 4.10% p.a.3 5.04% p.a.1
2 year Fixed Lite 4.15% p.a.3 4.96% p.a.1
3 year Fixed Lite 4.40% p.a.3 4.95% p.a.1
5 year Fixed Lite 4.74% p.a.3 4.99% p.a.1

Investment Home Loan Rates

Rate Comparison Rate
Variable Invest
Variable Invest Principal and Interest 4.70% p.a. 4.74% p.a.1
Variable Invest Interest Only 4.80% p.a. 4.84% p.a.1
Variable Invest Lite Principal and Interest 5.45% p.a. 5.58% p.a.1
Variable Invest Lite Interest Only 5.55% p.a. 5.68% p.a.1
Standard Variable Invest 5.45% p.a. 5.58% p.a.1
Standard Variable Investment Interest Only 5.55% p.a. 5.68% p.a.1
Fixed Invest
1 year Fixed Invest 4.60% p.a.2 4.73% p.a.1
2 year Fixed Invest 4.65% p.a.2 4.73% p.a.1
3 year Fixed Invest 4.70% p.a.2 4.74% p.a.1
5 year Fixed Invest 5.24% p.a.2 4.97% p.a.1
Fixed Invest Lite
1 year Fixed Invest Lite 4.60% p.a.3 5.50% p.a.1
2 year Fixed Invest Lite 4.65% p.a.3 5.43% p.a.1
3 year Fixed Invest Lite 4.70% p.a.3 5.38% p.a.1
5 year Fixed Invest Lite 5.24% p.a.3 5.49% p.a.1

Personal Loan Rates

Rate Comparison Rate
Fixed Personal Loans
Car Loan (New) 6.34%p.a. 6.62%p.a.4
Car Loan (Used) 7.49%p.a. 7.77%p.a.4
Personal Loan (Unsecured) 11.79%p.a. 12.08%p.a.

Overdraft Rates

Variable Rate Comparison Rate
Personal Overdraft (Unsecured) 14.71%p.a. N/A
Personal Overdraft (Mortgage Secured) 11.86%p.a. N/A.

Small Business Loans

Variable Rate Comparison Rate
Small Business Loan (Unsecured) 8.50%p.a. N/A
Small Business Loan (Secured) 6.80%p.a. N/A.

Grandfathered Products (No longer available after 1 December 2015)

Variable Rate Comparison Rate
All In One Home Loan 5.08%p.a. N/A
All In One Home Loan Invest 5.38%p.a. N/A
Basic Variable 4.38%p.a. 4.52%p.a.
Basic Variable Invest 4.78%p.a. 4.91%p.a.

 

 Interest rates effective 03/04/2017 and are subject to change.
1 Comparison rates are calculated on a loan amount of $150,000 over a term of 25 years.
2 Fixed rate reverts to our Variable rate or Variable Invest rate as applicable after the fixed period.
3 Fixed rate reverts to our Variable Lite or Variable Invest Lite rate as applicable after the fixed period.
4 Comparison rates are calculated on a secured loan amount of $30,000 over a term of 5 years.
5 Comparison rates are calculated on an unsecured loan amount of $30,000 over a term of 5 years.
6 For new business only. Eligibility criteria, terms & conditions, fees & charges apply and are available on request.
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. Eligibility criteria, terms & conditions, fees & charges apply. Please refer to the Credit Fees and Charges brochure for current details on fees and charges applicable to our Loans. Interest on all loans is calculated on the daily balance at a daily rate equivalent to the annual rate divided by 365.

Transaction Accounts

Everday Lite
Balance Interest Rate
$0 – $19,999 0.05% p.a.
$20,000 – $49,999 0.15% p.a.
$50,000 – $99,999 0.50% p.a.
$100,000 + 0.75% p.a.
Everyday
Balance Interest Rate
$0 + 0.00% p.a.
Everyday Plus
Balance Interest Rate
$0 – $1,999 0.00% p.a.
$2,000 – $50,000 1.00% p.a.
$50,001 + 2.00% p.a.
Everyday Business
Balance Interest Rate
$0 – $499 0.00% p.a.
$500 – $19,999 0.05% p.a.
$20,000 – $49,999 0.15% p.a.
$50,000 – $99,999 0.50% p.a.
$100,000+ 0.75% p.a.

Savings Accounts

Wildlife Saver
Balance Interest Rate
$0 plus (base interest) 0.05% p.a.
$0 plus 2.25% p.a.1
Saver
Balance Interest Rate
$0 – $1,999 0.00% p.a.
$2,000 + 2.05% p.a.
Bonus Saver
Balance Interest Rate
$0 plus (base interest) 0.05% p.a.
$0 plus 2.25% p.a.2
Cash Management
Balance Interest Rate
$0 – $4,999 0.05% p.a.
$5,000 – $9,999 0.05% p.a.
$10,000 – $19,999 0.70% p.a.
$20,000 – $49,999 1.00% p.a.
$50,000 – $99,999 1.50% p.a.
$100,000 + 2.00% p.a.

Term Deposit Accounts

Interest on Maturity3
$1,000 – $4,999 $5,000- $9,999 $10,000 – $24,999 $25,000 – $99,999
1-3 months 1.50% p.a. 1.90% p.a. 2.00% p.a. 2.10% p.a.
4-6 months 1.50% p.a. 1.95% p.a. 2.05% p.a. 2.15% p.a.
7-12 months 1.50% p.a. 2.00% p.a. 2.05% p.a. 2.15% p.a.
Six Monthly Interest
$1,000 – $4,999 $5,000 – $9,999 $10,000 – $24,999 $25,000 – $99,999
13-23 months 1.35% p.a. 1.85% p.a. 1.90% p.a. 2.00% p.a.
24 months 1.40% p.a. 1.90% p.a. 1.95% p.a. 2.05% p.a.
Monthly Interest
$1,000 – $4,999 $5,000 – $9,999 $10,000 – $24,999 $25,000 – $99,999
12 months 1.40% p.a. 1.70% p.a. 1.75% p.a. 2.00% p.a.
24 months 1.50% p.a. 1.80% p.a. 1.85% p.a. 2.10% p.a.
36 months 1.50% p.a. 1.80% p.a. 1.85% p.a. 2.10% p.a.
Privilege Plus Club
$1,000 – $4,999 $5,000 – $9,999 $10,000 – $24,999 $25,000 – $99,999
Regular income plus (with fortnightly interest) – 12 months N/A 1.80% p.a. 1.85% p.a. 1.95% p.a.

For interest rates on term deposit amounts of $100,000+, please contact us directly on 1300 937 824.

Grandfathered Products (No longer available after 1 December 2015)

CU+ Saver
Balance Rate
Base Interest 0.05% p.a.
Maximum Interest 2.30% p.a.
Christmas Promise
Balance Interest Rate
$0 – $1,999 0.10% p.a.
$2,000 + 1.00% p.a.

 

Interest rates effective 22/05/2017 and are subject to change.
1 Earn Bonus Interest when you make at least one deposit and no withdrawals in the same calendar month. Bonus interest will not apply in the month the account is closed.
2 Earn Bonus Interest when you make deposits of $100 or greater per month and no withdrawals are made in the calendar month. Bonus interest will not apply in the month the account is closed.
3 Privilege Plus Club members receive an extra 0.10% on Interest on Maturity TDs.
Western City Credit Union is a division of Community Alliance Credit Union Ltd the product issuer of the deposit and payment products. Any advice given is of a general nature only and does not take into consideration your objectives, financial situation or needs. Please consider the appropriateness of the advice before acting. Refer to the Account and Access Facility Conditions of Use and the Fees, Charges and Transaction Limits brochure for current details.

Western City Credit Union Credit Fees and Charges

Download the brochure below to find out more about our credit fees and charges.

Credit Fees and Charges brochure

 

Western City Credit Union Fees Charges and Transactions Limits

Download the brochure below to find out more about our fees, charges and transaction limits.

Fees, Charges and Transaction Limits brochure