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TMCU

Every product TMCU publishes under the Consumer Data Right, with its rates set beside every other bank's. It last changed one on 23 Oct 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 240718, held by Transport Mutual Credit Union Limited; credit licence since 15 March 2011. Complaints it can't resolve go to the Australian Financial Complaints Authority (AFCA). ASIC register
No change yetTMCU hasn't changed its published variable home loan rates since the RBA's 4 Nov 2026 rise.

37 products in 4 categories

  1. Home loans12
  2. Savings & transaction accounts10
  3. Term deposits9
  4. Personal loans6

TMCU's rates today

TMCU'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 TMCU sits among every institution's best

Transport Mutual Credit Union Ltd 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.

RateTMCUBest anywhereTypical institution
Variable home loanOwner occupier, principal & interest, 80% LVR6.14%1 YEAR FIXED RATE LOAN5.93%SCCU's BROKER HOME LOAN6.38%of 104 institutions
Savings accountBase plus any bonus, when its conditions are met0.01%MULTI-ACCESS ACCOUNT5.75%Defence Bank Limited's iSaver4.85%of 73 institutions
Personal loanLowest advertised rate, fixed or variable, leaving out car loans7.14%GREENROAD5.80%Plenti Personal Loan7.96%of 68 institutions
Business savings accountEach institution's best interest-paying business account, base plus any bonus0.01%BUSINESS ACCOUNT5.40%Great Southern Bank Business+'s Business+ Saver0.55%of 34 institutions

TMCU home loan repayments

Repayments at TMCU'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. VariableREFI SPECIAL OWNER OCCUPIED
    6.14%6.24% comparison
    $3,651a month

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

  2. 1-year fixed1 YEAR FIXED RATE LOAN
    6.24%6.56% comparison
    $3,690a month

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

  3. 2-year fixed2 FIXED RATE HOME LOAN
    6.54%6.60% comparison
    $3,808a month

    $770,954 in interest, $1,370,954 repaid in all

  4. Investor variableREFI SPECIAL INVESTMENT
    6.49%6.59% comparison
    $3,788a month

    $763,847 in interest, $1,363,847 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 TMCU's own calculator: confirm the rate with TMCU before you apply.

TMCU home loan rates

Compare across banks

12 products

Its lowest owner-occupier variable home loan rate (principal and interest, 80% LVR) is 6.14%, with a comparison rate of 6.24%, on its REFI SPECIAL OWNER OCCUPIED: 9th lowest of 104 lenders, level with 5 others.

TMCU savings and transaction account rates

Compare across banks

10 products

Its highest savings rate is 0.01%, on its MULTI-ACCESS ACCOUNT: 72nd highest of 84 institutions, level with one other.

TMCU term deposit rates

Compare across banks

9 products

RateTMCUBest anywhereTypical institution
6-month term depositBest rate for 6 months3.60%3M TO LESS THAN 6M5.47%Heartland Bank's Broker Term Deposit5.10%of 63 institutions
2-year term depositBest rate for 2 years3.55%24 MTHS [EDVEST]5.60%Judo Bank's Personal Term Deposits4.90%of 55 institutions

TMCU personal loan rates

Compare across banks

6 products

Its lowest advertised personal loan rate is 7.14% variable, with a comparison rate of 7.45%, on its GREENROAD: 37th lowest of 69 lenders.

Rate changes since 18 Sept 2026How every lender responded

Has TMCU passed on the RBA's November 2026 rate rise?

TMCU 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. Fri 23 Oct

    • TMCU lifted 1 personal loan rate by 0.25 percentage points.

      0.25

  2. Mon 12 Oct

Published by TMCU under the Consumer Data Right, last changed by them on 23 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.