Credit Union SAInvestment Variable Home Loan Package Interest Only
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
- Max LVR
- 80%
- Features
- offset, redraw, extra repayments
Rates
The one rate Credit Union SA publishes for this home loan.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | Investment, Interest only | - | 1–80% LVR | 7.74% | 7.93% | - |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 9 Oct 2026 | Variable, Investment, Interest only, 1–80% LVR | 6.79% | 7.74% | up 0.95 |
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 80%
- Opening balance $150,000
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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.