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Every product gmcu publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 2 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 241364, held by Goulburn Murray Credit Union Co-operative Limited; credit licence since 1 February 2011. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
No change yetGoulburn Murray Credit Union hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.

30 products in 5 categories

  1. Savings & transaction accounts11
  2. Term deposits8
  3. Home loans6
  4. Business loans3
  5. Personal loans2

gmcu's rates today

gmcu'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 gmcu sits among every institution's best

Goulburn Murray Credit Union Co-Operative Ltd 6.19%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.

RategmcuBest anywhereTypical institution
Variable home loanOwner occupier, principal & interest, 80% LVR6.19%Standard Variable Plus5.93%SCCU's BROKER HOME LOAN6.38%of 104 institutions
3-year fixed home loanOwner occupier, principal & interest, 80% LVR6.59%Fixed Rate Home Loan6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package6.69%of 80 institutions
Savings accountBase plus any bonus, when its conditions are met4.80%Advantage Saver5.75%Defence Bank Limited's iSaver4.85%of 73 institutions
12-month term depositBest rate for a 12-month term5.15%Fixed Term Deposit - 12 months5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions
Personal loanLowest advertised rate, fixed or variable, leaving out car loans7.79%Personal Loan - Secured5.80%Plenti Personal Loan7.96%of 68 institutions
Business loanLowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower18.75%Business/Farm/Commercial Loan - Unsecured6.33%SCCU's BUSINESS LOAN7.89%of 47 institutions

gmcu home loan repayments

Repayments at gmcu'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. VariableStandard Variable Plus
    6.19%6.35% comparison
    $3,671a month

    $721,532 in interest, $1,321,532 repaid in all

  2. 1-year fixedFixed Rate Home Loan
    6.24%6.35% comparison
    $3,690a month

    $728,545 in interest, $1,328,545 repaid in all

  3. 2-year fixedFixed Rate Home Loan
    6.19%6.35% comparison
    $3,671a month

    $721,532 in interest, $1,321,532 repaid in all

  4. 3-year fixedFixed Rate Home Loan
    6.59%6.46% comparison
    $3,828a month

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

  5. Investor variableStandard Variable Plus Investment
    6.39%6.55% comparison
    $3,749a month

    $749,679 in interest, $1,349,679 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 gmcu's own calculator: confirm the rate with gmcu before you apply.

gmcu home loan rates

Compare across banks

6 products

Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.19%, with a comparison rate of 6.35%, on its Standard Variable Plus: 16th lowest of 104 lenders, level with 6 others.

gmcu savings and transaction account rates

Compare across banks

11 products

Its highest savings rate is up to 4.80% (0.01% base plus a 4.79% bonus when its conditions are met), on its Advantage Saver: 38th highest of 84 institutions, level with one other.

gmcu term deposit rates

Compare across banks

8 products

Its highest 12-month term deposit rate is 5.15%, on its Fixed Term Deposit - 12 months: 53rd highest of 65 institutions, level with one other.

RategmcuBest anywhereTypical institution
6-month term depositBest rate for 6 months5.15%Monthly Income Term Deposit - 6 months5.47%Heartland Bank's Broker Term Deposit5.10%of 63 institutions
12-month term depositBest rate for 12 months5.15%Fixed Term Deposit - 12 months5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions
2-year term depositBest rate for 2 years4.90%Fixed Term Deposit - 24 months5.60%Judo Bank's Personal Term Deposits4.90%of 55 institutions

gmcu personal loan rates

Compare across banks

2 products

Its lowest advertised personal loan rate is 7.79% fixed, with a comparison rate of 8.04%, on its Personal Loan - Secured: 49th lowest of 69 lenders.

gmcu business loan rates

Compare across banks

3 products

Its lowest advertised business loan rate is 18.75% variable, on its Business/Farm/Commercial Loan - Unsecured: 49th lowest of 49 lenders.

Rate changes since 18 Sept 2026How every lender responded

Has Goulburn Murray Credit Union passed on the RBA's November 2026 rate rise?

Goulburn Murray 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. Mon 2 Nov

    • Goulburn Murray Credit Union lifted 2 savings rates by 0.25 percentage points.

      0.25

  2. Tue 6 Oct

  3. Fri 2 Oct

Published by gmcu under the Consumer Data Right, last changed by them on 2 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.