Central West Credit Union LtdS11 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%
Rates
The one rate Central West Credit Union Ltd publishes for this account.
| 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 |
Fees
10 fees published, grouped by when they're charged.
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 transaction7
- DECLINED_ATM/EFT_FEE
Under 18 years of age
$0.50 - DIRECT_DEBIT_REJECTION_FEE$10
- EFTPOS
Discounts apply Relationship Balance Under 21 years of age
$0.50 - STAFF_ASSISTED_BPAY_TRANSACTION_FEE$1
- STAFF_ASSISTED_DIRECT_TRANSFER_FEE
$10 for immediate transfer
$5 - OVER_THE_COUNTER_CASH_WITHDRAWALS
Discounts apply Under 18 years of age Relationship Balance
$1.50 - 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
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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.