Central West Credit Union LtdS18 Smart Plus (secured by mortgage over residential property)
For customers who have a Smart or Premium Smart Variable Rate Home Loan who require a overdraft on their transaction account
At a glance
- Variable
- 1.25%
- Upfront fee
- $150
Rates
Every rate Central West Credit Union Ltd publishes for this overdraft, 6 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableOnly members with a Smart or Premium Smart Housing Loan are eligible for this product. Debit interest is charged every month | - | - | - | 7.70% | - | - |
| Variable | - | - | up to $5,000 | 1.25% | - | paid every 1 mo |
| Variable | - | - | $10,000–$25,000 | 1.40% | - | paid every 1 mo |
| Variable | - | - | $25,000–$50,000 | 1.45% | - | paid every 1 mo |
| Variable | - | - | $5,000–$10,000 | 1.30% | - | paid every 1 mo |
| Variable | - | - | $50,000+ | 2.20% | - | paid every 1 mo |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 2 Nov 2026 | Variable, $50,000+ | 2.10% | 2.20% | up 0.10 |
Each change is logged the night it appears in the rates Central West CUL publishes. See how every lender answered the RBA on the rate tracker.
Fees
6 fees published, grouped by when they're charged.
- When you take it out$150OVERDRAFT_ESTABLISHMENT_FEE
- While you hold itUp to $2.502 fees, each listed below
- When you close it or pay it offNo fee published
When you take it out1
- OVERDRAFT_ESTABLISHMENT_FEE
Only applicable when applying for an Overdraft facility
$150
While you hold it2
- MONTHLY_VISA_CARD_FEE
Fee is applicable to active cards only Relationship Balance Under 16 years of age
$2 - PAPER_STATEMENT_FEE
Under 16 years of age
$2.50
When you make a transaction2
- DIRECT_DEBIT_REJECTION_FEE$10
- OVERDRAWN_ACCOUNT_FEE$10
When particular things happen1
- DORMANT_ACCOUNT_FEE
Charged after 2 years of inactivity
$10
Features
- Funds at Call
Eligibility and limits
- Minimum age 18
- Residency: Australian Residents only
Compare it with others
Put this product through a calculator
Published by Central West CUL under the Consumer Data Right, last changed by them on 1 Nov 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.