Credit Union SAVariable Home Loan Package Principal and Interest
Our Variable Home Loan Package is ideal for those seeking significant flexibility. The Credit Union SA Variable 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 and in return you’ll save an absolute bundle. Home Loan Offset Accounts are available with selected Credit Union SA Variable Rate Home Loans.
At a glance
- Variable (owner occ. P&I)
- 7.24%7.59% comparison
- Variable (investor P&I)
- 7.49%
- Max LVR
- 97%
- Features
- offset, redraw, extra repayments
How it compares
This home loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This home loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Variable home loanOwner occupier, principal & interest, 80% LVR | 7.24% | 5.93%SCCU's BROKER HOME LOAN | 6.38%of 104 institutions | 95th lowest of 104, level with one other |
| Investor variable home loanInvestment, principal & interest, 80% LVR | 7.49% | 5.94%AAA Financial Corporation's Portfolio Loan | 6.59%of 104 institutions | 97th lowest of 104 |
Rates
Every rate Credit Union SA publishes for this home loan, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Investment, P&I | - | - | 7.49% | 7.84% | - |
| VariableLow Deposit Package Variable Home Loan | Owner occupied, P&I | - | - | 7.24% | 7.59% | - |
Rate changes
2 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 9 Oct 2026 | Variable, Investment, P&I | 7.24% | 7.49% | up 0.25 |
| 9 Oct 2026 | Variable, Owner occupied, P&I | 6.99% | 7.24% | up 0.25 |
Each change is logged the night it appears in the rates Credit Union SA publishes. See how every lender answered the RBA on the rate tracker.
Fees
7 fees published, grouped by when they're charged.
- When you take it outVaries2 fees, each listed below
- While you hold it$395Annual fee
- When you close it or pay it offNo fee published
When you take it out2
- Application feeNo fee
- Settlement feeNo fee
While you hold it1
- Annual fee$395
When particular things happen4
- Guarantor Application Fee$200
- Increase an existing home loan packageNo fee
- Split Loan Fee$100
- Split Loan Fee$150
Features
- No loan application or monthly fee
- Unlimited fee-free additional repayments
- Split Loans are available with eligible products
Eligibility and limits
- Minimum age 18
- Residency: Australian citizen or permanent resident
- Maximum LVR 97%
- Opening balance $150,000
Compare it with others
Put this product through a calculator
Published by Credit Union SA 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.