Credit Union SA
Variable 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.
Home loansBank updated 20 Aug 2026
At a glance
- Variable (owner occ. P&I)
- 6.99% · 7.35% comparison
- Variable (investor P&I)
- 7.24%
- Max LVR
- 97%
- Features
- offset, redraw, extra repayments
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Investment · P&I | — | — | 7.24% | 7.59% | — |
| VariableLow Deposit Package Variable Home Loan | Owner occupied · P&I | — | — | 6.99% | 7.35% | — |
§ 02 — Fees · 7
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Guarantor Application Fee | Event | $200 | — | — |
| Increase an existing home loan package | Event | No fee | — | — |
| 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
Offset accountRedrawExtra repaymentsGuarantor optionDigital banking
- · No loan application or monthly fee
- · Unlimited fee-free additional repayments
- · 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.