Credit Union SA2-Year Fixed 40 Year Home Loan Package
Our 2 year Fixed Home Loan Package is perfect if you have a strict budget as you’ll know exactly what your repayments will be. 40 Year Fixed Package Home Loans are available for 31 to 40 years, for properties located in South Australia. Lending criteria applies and a suitability assessment will be complated as part of the application process. Plus you pay no monthly or redraw fees. The Credit Union SA Fixed 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.
At a glance
- Fixed
- 2 yrs 6.34%
- 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 |
|---|---|---|---|---|
| 2-year fixed home loanOwner occupier, principal & interest, 80% LVR | 6.34% | 6.09%BankVic's Fixed Rate Home Loan - 2 years | 6.62%of 84 institutions | 6th lowest of 84, level with 3 others |
Rates
Every rate Credit Union SA publishes for this home loan, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | Owner occupied, P&I | 2 yrs fixed | 1–80% LVR | 6.34% | 7.41% | - |
| Fixed | Owner occupied, P&I | 2 yrs fixed | 80–97% LVR | 7.39% | 7.63% | - |
Rate changes
2 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 9 Oct 2026 | Fixed, Owner occupied, P&I, 2 yrs fixed, 1–80% LVR | 6.09% | 6.34% | up 0.25 |
| 9 Oct 2026 | Fixed, Owner occupied, P&I, 2 yrs fixed, 80–97% LVR | 7.14% | 7.39% | 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
8 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 happen5
- Guarantor Application Fee$200
- Increase an existing home loan packageNo fee
- Rate Lock Fee$600
- Split Loan Fee$100
- Split Loan Fee$150
Features
- No loan application or monthly fee
- 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
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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.