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Orange Credit Union Ltd

Every product Orange Credit Union Ltd publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 8 Oct 2026.

  • Deposits are covered by the government's Financial Claims Scheme up to $250,000 per account holder, one cap shared with Bank Orange under the same banking licence. Who shares a cap
  • Australian credit licence and AFS licence 240768, held by Orange Credit Union Limited; credit licence since 1 February 2011. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
No change yetOrange Credit Union hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.

32 products in 4 categories

  1. Home loans14
  2. Savings & transaction accounts8
  3. Term deposits7
  4. Personal loans3

Orange Credit Union Ltd's rates today

Orange Credit Union Ltd'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 Orange Credit Union Ltd sits among every institution's best

Orange Credit Union Ltd 6.39%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.

RateOrange Credit Union LtdBest anywhereTypical institution
Variable home loanOwner occupier, principal & interest, 80% LVR6.39%Basic Variable Rate Home Loan5.93%SCCU's BROKER HOME LOAN6.38%of 104 institutions
3-year fixed home loanOwner occupier, principal & interest, 80% LVR6.64%Premium Home Loan Fixed 36 mths P&I Owner Occupied6.24%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 met3.75%BONUS SAVER5.75%Defence Bank Limited's iSaver4.85%of 73 institutions
12-month term depositBest rate for a 12-month term5.35%12MTH FIXED TERM DEPOSIT WEALTH BUILDER5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions
Personal loanLowest advertised rate, fixed or variable, leaving out car loans10.89%Secured Personal Loan5.80%Plenti Personal Loan7.96%of 68 institutions

Orange Credit Union Ltd home loan repayments

Repayments at Orange Credit Union Ltd'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. VariableBasic Variable Rate Home Loan
    6.39%6.44% comparison
    $3,749a month

    $749,679 in interest, $1,349,679 repaid in all

  2. 1-year fixedPremium Home Loan Fixed 12 mths P&I Owner Occupied
    6.44%6.45% comparison
    $3,769a month

    $756,755 in interest, $1,356,755 repaid in all

  3. 2-year fixedPremium Home Loan Fixed 24 mths P&I Owner Occupied
    6.34%6.43% comparison
    $3,729a month

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

  4. 3-year fixedPremium Home Loan Fixed 36 mths P&I Owner Occupied
    6.64%6.51% comparison
    $3,848a month

    $785,215 in interest, $1,385,215 repaid in all

  5. Investor variablePremium Home Loan Fixed 12 mths Interest Only Investment
    6.79%
    $3,908a month

    $806,720 in interest, $1,406,720 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 Orange Credit Union Ltd's own calculator: confirm the rate with Orange Credit Union Ltd before you apply.

Orange Credit Union Ltd home loan rates

Compare across banks

14 products

Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.39%, with a comparison rate of 6.44%, on its Basic Variable Rate Home Loan: 54th lowest of 104 lenders, level with 5 others.

Orange Credit Union Ltd savings and transaction account rates

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8 products

Its highest savings rate is up to 3.75% (0.25% base plus a 3.50% bonus when its conditions are met), on its BONUS SAVER: 52nd highest of 84 institutions, level with one other.

Orange Credit Union Ltd term deposit rates

Compare across banks

7 products

Its highest 12-month term deposit rate is 5.35%, on its 12MTH FIXED TERM DEPOSIT WEALTH BUILDER: 18th highest of 65 institutions, level with 9 others.

RateOrange Credit Union LtdBest anywhereTypical institution
3-month term depositBest rate for 3 months1.00%3MTH FIXED TERM DEPOSIT5.30%Heartland Bank's Broker Term Deposit4.60%of 55 institutions
6-month term depositBest rate for 6 months1.25%6MTH FIXED TERM DEPOSIT5.47%Heartland Bank's Broker Term Deposit5.10%of 63 institutions
12-month term depositBest rate for 12 months5.35%12MTH FIXED TERM DEPOSIT WEALTH BUILDER5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions
2-year term depositBest rate for 2 years4.55%24MTH FIXED TERM DEPOSIT WEALTH BUILDER5.60%Judo Bank's Personal Term Deposits4.90%of 55 institutions

Orange Credit Union Ltd personal loan rates

Compare across banks

3 products

Its lowest advertised personal loan rate is 6.89% variable, with a comparison rate of 7.26%, on its New Car Loan: 29th lowest of 69 lenders, level with one other.

Rate changes since 18 Sept 2026How every lender responded

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

Orange 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 8 Oct

  2. Wed 7 Oct

Published by Orange Credit Union Ltd under the Consumer Data Right, last changed by them on 8 Oct 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.