Credit Union SA3-Year Fixed Rate Home Loan Principal and Interest
Our 3 year Fixed Rate Home Loan is perfect if you have a strict budget as you’ll know exactly what your repayments will be. Plus you pay no monthly.
At a glance
- Fixed
- 3 yrs 7.04%
- Max LVR
- 97%
- Features
- 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 |
|---|---|---|---|---|
| 3-year fixed home loanOwner occupier, principal & interest, 80% LVR | 7.04% | 6.24%Credit Union SA's 3-Year Fixed 40 Year Home Loan Package | 6.69%of 80 institutions | 59th lowest of 80, level with 4 others |
Rates
Every rate Credit Union SA publishes for this home loan, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Investment, P&I | 3 yrs fixed | - | 7.29% | 7.65% | - |
| Fixed | Owner occupied, P&I | 3 yrs fixed | - | 7.04% | 7.41% | - |
Rate changes
2 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 9 Oct 2026 | Fixed, Investment, P&I, 3 yrs fixed | 7.04% | 7.29% | up 0.25 |
| 9 Oct 2026 | Fixed, Owner occupied, P&I, 3 yrs fixed | 6.79% | 7.04% | 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
5 fees published, grouped by when they're charged.
When you take it out1
- Settlement fee$300
When particular things happen4
- Guarantor Application Fee$200
- Rate Lock Fee$600
- Split Loan Fee$100
- Split Loan Fee$150
Features
- Split Loans are available with eligible products
Eligibility and limits
- Minimum age 18
- Residency: Australian citizen or permanent resident
- Maximum LVR 97%
- Opening balance $20,000
Compare it with others
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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.