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Police Credit Union Ltd

Every product Police Credit Union Ltd publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 4 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 238991, held by Police Credit Union Limited; credit licence since 20 December 2010. ASIC register
No change yetPolice Credit Union hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.

100 products in 7 categories

  1. Home loans54
  2. Business loans13
  3. Savings & transaction accounts11
  4. Term deposits8
  5. Personal loans7
  6. Overdrafts5
  7. Credit cards2

Police Credit Union Ltd's rates today

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

Police Credit Union Limited 6.14%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.

RatePolice Credit Union LtdBest anywhereTypical institution
Variable home loanOwner occupier, principal & interest, 80% LVR6.14%Low Rate Home Loan Special Offer - Owner Occupied5.93%SCCU's BROKER HOME LOAN6.38%of 104 institutions
3-year fixed home loanOwner occupier, principal & interest, 80% LVR6.29%3 Year Fixed Rate Home Loan 80% LVR - 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 met5.35%Focus Saver Account5.75%Defence Bank Limited's iSaver4.85%of 73 institutions
12-month term depositBest rate for a 12-month term5.35%ADELAIDE TERM DEPOSIT5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions
Personal loanLowest advertised rate, fixed or variable, leaving out car loans7.49%Fixed Rate Personal Loan5.80%Plenti Personal Loan7.96%of 68 institutions
Credit card purchase rateOngoing purchase rate, not introductory offers8.74%SoLo Credit Card7.49%Unity Bank's Low Rate Visa Credit Card12.49%of 51 institutions
Business loanLowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower6.49%Commercial Vehicle Fixed Loan6.33%SCCU's BUSINESS LOAN7.89%of 47 institutions

Police Credit Union Ltd home loan repayments

Repayments at Police 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. VariableLow Rate Home Loan Special Offer - Owner Occupied
    6.14%6.18% comparison
    $3,651a month

    $714,535 in interest, $1,314,535 repaid in all

  2. 1-year fixed1 Year Fixed Rate Home Loan 80% LVR - Owner Occupied
    6.19%7.20% comparison
    $3,671a month

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

  3. 2-year fixed2 Year Fixed Rate Home Loan 80% LVR - Owner Occupied
    6.29%7.12% comparison
    $3,710a month

    $735,574 in interest, $1,335,574 repaid in all

  4. 3-year fixed3 Year Fixed Rate Home Loan 80% LVR - Owner Occupied
    6.29%7.03% comparison
    $3,710a month

    $735,574 in interest, $1,335,574 repaid in all

  5. 5-year fixed5 Year Fixed Rate Home Loan 80% LVR - Owner Occupied
    6.49%6.97% comparison
    $3,788a month

    $763,847 in interest, $1,363,847 repaid in all

  6. Investor variableLow Rate Home Loan Special Offer - Investment
    6.29%6.33% comparison
    $3,710a month

    $735,574 in interest, $1,335,574 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 Police Credit Union Ltd's own calculator: confirm the rate with Police Credit Union Ltd before you apply.

Police Credit Union Ltd home loan rates

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54 products

Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.14%, with a comparison rate of 6.18%, on its Low Rate Home Loan Special Offer - Owner Occupied: 9th lowest of 104 lenders, level with 5 others.

Police Credit Union Ltd savings and transaction account rates

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11 products

Its highest savings rate is up to 5.35% (0.00% base plus a 5.35% bonus when its conditions are met), on its Focus Saver Account: 13th highest of 84 institutions, level with 7 others.

Police Credit Union Ltd term deposit rates

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8 products

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

RatePolice Credit Union LtdBest anywhereTypical institution
3-month term depositBest rate for 3 months4.30%ADELAIDE TERM DEPOSIT5.30%Heartland Bank's Broker Term Deposit4.60%of 55 institutions
6-month term depositBest rate for 6 months5.15%ADELAIDE TERM DEPOSIT5.47%Heartland Bank's Broker Term Deposit5.10%of 63 institutions
12-month term depositBest rate for 12 months5.35%ADELAIDE TERM DEPOSIT5.75%Suncorp Bank's Term Deposit5.30%of 65 institutions
2-year term depositBest rate for 2 years5.15%ADELAIDE TERM DEPOSIT5.60%Judo Bank's Personal Term Deposits4.90%of 55 institutions
3-year term depositBest rate for 3 years5.15%ADELAIDE TERM DEPOSIT5.60%Judo Bank's Personal Term Deposits4.25%of 44 institutions

Police Credit Union Ltd credit card rates

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2 products

Its lowest credit card purchase rate is 8.74%, on its SoLo Credit Card: 2nd lowest of 51 card issuers.

Police Credit Union Ltd personal loan rates

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7 products

Its lowest advertised personal loan rate is 6.49% fixed, with a comparison rate of 6.90%, on its The Best Car Loan: 18th lowest of 69 lenders, level with 6 others.

Police Credit Union Ltd business loan rates

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13 products

Its lowest advertised business loan rate is 6.49% fixed, on its Commercial Vehicle Fixed Loan: 3rd lowest of 49 lenders, level with one other.

Police Credit Union Ltd overdraft rates

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5 products

Its lowest advertised overdraft rate is 7.49% variable, on its Allegro Line of Credit: the lowest of 23 lenders.

Rate changes since 18 Sept 2026How every lender responded

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

Police 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. Wed 4 Nov

    • Police Credit Union lifted 3 savings rates by 0.10 to 0.25 percentage points.

      0.10 to 0.25

  2. Tue 3 Nov

  3. Mon 2 Nov

  4. Sat 31 Oct

  5. Sat 10 Oct

Published by Police Credit Union Ltd under the Consumer Data Right, last changed by them on 4 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.