CENTRAL WEST CREDIT UNION LTD
S11 Mortgage Offset Account
An Offset home loan allows you to pay off your loan faster by using your savings to reduce the amount of interest you pay.
At a glance
- Pricing
- Rates on application
- Base rate
- 0.00%
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable100% offset, this account can only be offset against a Mortgage Smart Variable Rate Home Loan | — | — | — | 0.00% | — | paid every 1 mo |
§ 02 — Fees · 10
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| DORMANT_ACCOUNT_FEE | Event | $10 | — | Charged after 2 years of inactivity |
| MONTHLY_VISA_CARD_FEE | Periodic | $2 | — | Fee is applicable to active cards only Relationship Balance Under 16 years of age |
| PAPER_STATEMENT_FEE | Periodic | $2.50 | — | Under 16 years of age |
| DECLINED_ATM/EFT_FEE | Transaction | $0.50 | — | Under 18 years of age |
| DIRECT_DEBIT_REJECTION_FEE | Transaction | $10 | — | — |
| EFTPOS | Transaction | $0.50 | — | Discounts apply Relationship Balance Under 21 years of age |
| STAFF_ASSISTED_BPAY_TRANSACTION_FEE | Transaction | $1 | — | — |
| STAFF_ASSISTED_DIRECT_TRANSFER_FEE | Transaction | $5 | — | $10 for immediate transfer |
| OVER_THE_COUNTER_CASH_WITHDRAWALS | Withdrawal | $1.50 | — | Discounts apply Under 18 years of age Relationship Balance |
| OVERDRAWN_ACCOUNT_FEE | Withdrawal | $10 | — | — |
§ 03 — Features
Offset accountDigital bankingUnlimited transactionsApple, Samsung & Google pay
- · Funds at Call
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Australian Residents only
§ 05 — Compare
§ 06 — Run the numbers
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Published by Central West CUL under the Consumer Data Right, last changed by them on 9 June 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.