Credit Union SA3-Year Fixed Rate Home Loan Interest Only
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.
Home loansBank updated 8 Oct 2026
At a glance
- Max LVR
- 80%
- Features
- redraw, extra repayments
Rates
Every rate Credit Union SA publishes for this home loan, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Investment, Interest only | 3 yrs fixed | - | 7.54% | 7.73% | - |
| Fixed | Owner occupied, Interest only | 3 yrs fixed | - | 7.84% | 7.64% | - |
Rate changes
2 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 9 Oct 2026 | Fixed, Investment, Interest only, 3 yrs fixed | 7.29% | 7.54% | up 0.25 |
| 9 Oct 2026 | Fixed, Owner occupied, Interest only, 3 yrs fixed | 7.59% | 7.84% | 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
RedrawExtra repaymentsGuarantor optionDigital banking
- Split Loans are available with eligible products
Eligibility and limits
- Minimum age 18
- Residency: Australian citizen or permanent resident
- Maximum LVR 80%
- Opening balance $20,000
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.