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Laboratories Credit Union

Every product Laboratories Credit Union publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 7 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 240807, held by Laboratories Credit Union Limited; credit licence since 1 February 2011. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
Passed on in fullLaboratories Credit Union lifted its variable home loan rates by 0.25 percentage points from 6 Nov 2026, passing on the RBA's 4 Nov 2026 rise in full.

24 products in 4 categories

  1. Home loans12
  2. Savings & transaction accounts5
  3. Personal loans5
  4. Term deposits2

Laboratories Credit Union's rates today

Laboratories Credit Union'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 Laboratories Credit Union sits among every institution's best

LCU 6.85%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.

RateLaboratories Credit UnionBest anywhereTypical institution
Variable home loanOwner occupier, principal & interest, 80% LVR6.85%Intelligent Mortgage 1 Year Fixed5.93%SCCU's BROKER HOME LOAN6.38%of 104 institutions
Savings accountBase plus any bonus, when its conditions are met4.36%Savvy Saver5.75%Defence Bank Limited's iSaver4.85%of 73 institutions
12-month term depositBest rate for a 12-month term5.25%Monthly Interest 12 Month Term Deposit5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions
Personal loanLowest advertised rate, fixed or variable, leaving out car loans10.85%Home Renovation Loan5.80%Plenti Personal Loan7.96%of 68 institutions

Laboratories Credit Union home loan repayments

Repayments at Laboratories Credit Union'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. VariableIntelligent Mortgage 1 Year Fixed
    6.85%6.86% comparison
    $3,932a month

    $815,360 in interest, $1,415,360 repaid in all

  2. 1-year fixedIntelligent Mortgage 1 Year Fixed
    6.80%
    $3,912a month

    $808,158 in interest, $1,408,158 repaid in all

  3. 2-year fixedIntelligent Mortgage 2 Years Fixed
    6.90%
    $3,952a month

    $822,576 in interest, $1,422,576 repaid in all

  4. Investor variableIntelligent Mortgage Investment Loan 1 Year Fixed Rate
    7.00%7.01% comparison
    $3,992a month

    $837,053 in interest, $1,437,053 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 Laboratories Credit Union's own calculator: confirm the rate with Laboratories Credit Union before you apply.

Laboratories Credit Union home loan rates

Compare across banks

12 products

Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.85%, with a comparison rate of 6.86%, on its Intelligent Mortgage 1 Year Fixed: 89th lowest of 104 lenders.

Laboratories Credit Union savings and transaction account rates

Compare across banks

5 products

Its highest savings rate is up to 4.36% (0.01% base plus a 4.35% bonus when its conditions are met), on its Savvy Saver: 47th highest of 84 institutions.

Laboratories Credit Union term deposit rates

Compare across banks

2 products

Its highest 12-month term deposit rate is 5.25%, on its Monthly Interest 12 Month Term Deposit: 43rd highest of 65 institutions, level with 3 others.

RateLaboratories Credit UnionBest anywhereTypical institution
6-month term depositBest rate for 6 months4.35%Monthly Interest 12 Month Term Deposit5.47%Heartland Bank's Broker Term Deposit5.10%of 63 institutions
12-month term depositBest rate for 12 months5.25%Monthly Interest 12 Month Term Deposit5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions
3-year term depositBest rate for 3 years4.60%Fixed Term Deposit5.60%Judo Bank's Personal Term Deposits4.25%of 44 institutions

Laboratories Credit Union personal loan rates

Compare across banks

5 products

Its lowest advertised personal loan rate is 8.05% variable, with a comparison rate of 8.33%, on its New Wheels Car Loan: 56th lowest of 69 lenders.

Rate changes since 18 Sept 2026How every lender responded

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

Laboratories Credit Union lifted its variable home loan rates by 0.25 percentage points from 6 Nov 2026, passing on the RBA's 4 Nov 2026 rise in full.

It has lifted 4 savings rates since, typically by 0.35 percentage points.

  1. Sat 7 Nov

  2. Fri 6 Nov

  3. Fri 2 Oct

Published by Laboratories Credit Union under the Consumer Data Right, last changed by them on 7 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.