Credit Union SA
1-Year Fixed Home Loan Package Principal and Interest
Our 1 year Fixed Home Loan Package is perfect if you have a strict budget as you’ll know exactly what your repayments will be. The Credit Union SA Fixed Home Loan Package offers a fantastic collection of benefits across our Home Loans, Visa Credit Card, Personal Loans, Term Deposits and more. You pay an annual fee of $395.
Home loansBank updated 20 Aug 2026
At a glance
- Fixed
- 1 yr 6.29%
- Max LVR
- 97%
- Features
- redraw, extra repayments
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Investment · P&I | 1 yr fixed | — | 6.54% | 7.52% | — |
| Fixed | Owner occupied · P&I | 1 yr fixed | — | 6.29% | 6.66% | — |
§ 02 — Fees · 8
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Guarantor Application Fee | Event | $200 | — | — |
| Increase an existing home loan package | Event | No fee | — | — |
| Rate Lock Fee | Event | $600 | — | — |
| Split Loan Fee | Event | $100 | — | — |
| Split Loan Fee | Event | $150 | — | — |
| Annual fee | Periodic | $395 | — | — |
| Application fee | Upfront | No fee | — | — |
| Settlement fee | Upfront | No fee | — | — |
§ 03 — Features
RedrawExtra repaymentsGuarantor optionDigital banking
- · No loan application or monthly fee
- · Split Loans are available with eligible products
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Australian citizen or permanent resident
- · Maximum LVR 97%
- · Opening balance $150,000
§ 06 — Run the numbers
Put this product through a calculator
Published by Credit Union SA under the Consumer Data Right, last changed by them on 20 Aug 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.