Credit Union SA
Home Loan Offset Account
Our Home Loan Offset Account offers all the convenient day-to-day banking features you need, but with the huge added advantage of also lowering the amount of interest you pay on your eligible variable rate home loan and no monthly fees.
Savings & transaction accountsBank updated 29 June 2026
At a glance
- Base rate
- 0.00%
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | — | — | — | 0.00% | — | paid every 1 mo |
§ 02 — Fees · 8
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Arrears | Event | $15 | — | Payable whenever we send you a letter because you do not make a repayment in full on or before the due date and the default continues for 3 days or more. |
| Currency Conversion | Event | 3.00% of transaction | — | Payable when you perform a transaction in a currency other than Australian dollars using a Visa card. This fee is included in the AUD amount debited to your account and comprises 2.00% charged by thi… |
| Direct Debit Dishonour | Event | $10 | — | Payable when you have insufficient funds at the time a direct debit is set to occur and the direct debit is dishonoured |
| Lost VISA Card | Event | $10 | — | Payable when you lose or misplace your VISA Card and we need to order you a new card |
| Overdraft or overlimit fee | Event | $15 | — | Payable when you perform a transaction in a currency other than Australian dollars using a Visa card. This fee is included in the AUD amount debited to your account and comprises 2.00% charged by thi… |
| Deposit Periodic | Periodic | No fee | — | Where permitted by the account terms and conditions, you can perform unlimited transactions of the following types and we will not charge you a transaction fee: ATM enquiry, ATM transfer, ATM withdra… |
| Paper Statement | Periodic | $2 | — | If you have not opted in for eStatements and we send a paper statements to your nominated postal address we have on record. Note: An electronic statement can be requested at any time with no fee paya… |
| Transaction | Transaction | No fee | — | — |
§ 03 — Features
Instant paymentsPayIDDigital bankingUnlimited transactionsApple PayGoogle PayGarmin PaySamsung Pay
- · Round-ups (origin account)
- · Round-ups (destination account)
- · Lock, block and control your card
- · Business Banking can be attached to the product
§ 04 — Eligibility & limits
- · Minimum age 18
§ 05 — Compare
§ 06 — Run the numbers
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Published by Credit Union SA under the Consumer Data Right, last changed by them on 29 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.