Credit Union SAHome 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.
At a glance
- Base rate
- 0.00%
Rates
The one rate Credit Union SA publishes for this account.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | - | - | - | 0.00% | - | paid every 1 mo |
Fees
8 fees published, grouped by when they're charged.
While you hold it2
- Deposit Periodic
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…
No fee - Paper Statement
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…
$2
When you make a transaction1
- TransactionNo fee
When particular things happen5
- Arrears
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.
$15 - Currency Conversion
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…
3.00% of transaction - Direct Debit Dishonour
Payable when you have insufficient funds at the time a direct debit is set to occur and the direct debit is dishonoured
$10 - Lost VISA Card
Payable when you lose or misplace your VISA Card and we need to order you a new card
$10 - Overdraft or overlimit fee
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…
$15
Features
- Round-ups (origin account)
- Round-ups (destination account)
- Lock, block and control your card
- Business Banking can be attached to the product
Eligibility and limits
- Minimum age 18
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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.