The Finance Algorithm
Central West CUL logo

Central West CUL

Every product Central West CUL publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 5 Nov 2026.

  • Deposits are covered by the government's Financial Claims Scheme up to $250,000 per account holder. Who shares a cap
  • Australian credit licence and AFS licence 245415, held by Central West Credit Union Limited; credit licence since 4 February 2011. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
No change yetCentral West Credit Union hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.

43 products in 6 categories

  1. Savings & transaction accounts13
  2. Home loans10
  3. Term deposits8
  4. Personal loans5
  5. Business loans5
  6. Overdrafts2

Central West CUL's rates today

Central West CUL's best rate in each category, next to the best you'll find anywhere and the typical institution's best, as of 7 November 2026. Only products anyone can apply for are counted.

Where Central West CUL sits among every institution's best

Central West Credit Union Ltd 6.34%Everyone else, 104 in all

Owner occupier, principal & interest, 80% LVR. One dot per institution, at its lowest variable home loan rate anyone can apply for; hover or tap a dot for its name.

RateCentral West CULBest anywhereTypical institution
Variable home loanOwner occupier, principal & interest, 80% LVR6.34%Premium Smart Home Loan5.93%SCCU's BROKER HOME LOAN6.38%of 104 institutions
Savings accountBase plus any bonus, when its conditions are met1.30%S6 Golden Account5.75%Defence Bank Limited's iSaver4.85%of 73 institutions
12-month term depositBest rate for a 12-month term2.85%500+ (6m to <12m) I15.75%Suncorp Bank's Term Deposit5.30%of 65 institutions
Personal loanLowest advertised rate, fixed or variable, leaving out car loans7.15%Set-Off Loan5.80%Plenti Personal Loan7.96%of 68 institutions
Business loanLowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower7.40%Business Car Loan - New Vehicle6.33%SCCU's BUSINESS LOAN7.89%of 47 institutions

Central West CUL home loan repayments

Repayments at Central West CUL's lowest published rate for each loan type: owner occupier at 80% LVR unless marked investor, principal and interest, products open to anyone.

Loan amount
$600,000
Loan term
30 yrs
The $600,000 you borrowInterest over 30 years
  1. VariablePremium Smart Home Loan
    6.34%6.40% comparison
    $3,729a month

    $742,618 in interest, $1,342,618 repaid in all

  2. 1-year fixedSmart Fixed Rate Home Loan 1 year
    6.59%7.18% comparison
    $3,828a month

    $778,077 in interest, $1,378,077 repaid in all

  3. 2-year fixedSmart Fixed Rate Home Loan 2 year
    6.59%7.14% comparison
    $3,828a month

    $778,077 in interest, $1,378,077 repaid in all

  4. Investor variableSmart Investment Home Loan
    7.46%7.52% comparison
    $4,179a month

    $904,391 in interest, $1,504,391 repaid in all

Principal and interest, monthly, as if the rate held for the whole term: a fixed rate reverts to a variable one when the fixed period ends. Fees, offsets and extra repayments aren't included; the repayment calculator handles those. Not Central West CUL's own calculator: confirm the rate with Central West CUL before you apply.

Central West CUL home loan rates

Compare across banks

10 products

Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.34%, with a comparison rate of 6.40%, on its Premium Smart Home Loan: 39th lowest of 104 lenders, level with 10 others.

Central West CUL savings and transaction account rates

Compare across banks

13 products

Its highest savings rate is 1.30%, on its S6 Golden Account: 67th highest of 84 institutions.

Central West CUL term deposit rates

Compare across banks

8 products

Its highest 12-month term deposit rate is 2.85%, on its 500+ (6m to <12m) I1: 65th highest of 65 institutions.

RateCentral West CULBest anywhereTypical institution
6-month term depositBest rate for 6 months2.85%$500+ (3m to <6m) I85.47%Heartland Bank's Broker Term Deposit5.10%of 63 institutions
12-month term depositBest rate for 12 months2.85%500+ (6m to <12m) I15.75%Suncorp Bank's Term Deposit5.30%of 65 institutions
2-year term depositBest rate for 2 years5.00%$5000+ (12m - 24m) I45.60%Judo Bank's Personal Term Deposits4.90%of 55 institutions

Central West CUL personal loan rates

Compare across banks

5 products

Its lowest advertised personal loan rate is 7.15% variable, with a comparison rate of 7.36%, on its Set-Off Loan: 38th lowest of 69 lenders.

Central West CUL business loan rates

Compare across banks

5 products

Its lowest advertised business loan rate is 7.40% variable, with a comparison rate of 7.82%, on its Business Car Loan - New Vehicle: 17th lowest of 49 lenders.

Central West CUL overdraft rates

Compare across banks

2 products

Its lowest advertised overdraft rate is 12.50% variable, on its Visa Access Account: 20th lowest of 23 lenders.

Rate changes since 18 Sept 2026How every lender responded

Has Central West Credit Union passed on the RBA's November 2026 rate rise?

Central West Credit Union hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.

Its published savings rates haven't moved since the RBA's 4 Nov 2026 rise.

  1. Thu 5 Nov

    • Central West Credit Union lifted 1 savings rate by 0.10 percentage points.

      0.10

  2. Wed 4 Nov

    • Central West Credit Union cut 1 savings rate by 0.10 percentage points.

      0.10

  3. Mon 2 Nov

  4. Fri 30 Oct

  5. Thu 8 Oct

Published by Central West CUL under the Consumer Data Right, last changed by them on 5 Nov 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.