Orange Credit Union Home Loans

Orange Credit Union is a customer-owned bank providing home loans, personal loans, car loans, bank accounts, investment accounts and insurance products. Orange Credit Union is based in Orange, NSW, and services customers around Australia.

What home loans does Orange Credit Union offer?

Orange Credit Union offers variable and fixed rate home loans. At the time of writing, Orange Credit Union offers the following variable rate home loans for owner-occupiers and investors:

Introductory 1 Year Variable Rate Home Loan
Introductory 2 Year Variable Rate Home Loan
Introductory 3 Year Variable Rate Home Loan
Base Variable Rate Home Loan
Standard Variable Rate Home Loan
Essential Low Rate Variable Home Loan

At the time of writing, Orange Credit Union offers the following fixed rate home loans for owner-occupiers and investors:

Essential 1 Year Fixed Rate Home Loan
Essential 2 Year Fixed Rate Home Loan
Essential 3 Year Fixed Rate Home Loan
Essential 1 Year Fixed Rate Home Loan
Essential 2 Year Fixed Rate Home Loan
Essential 3 Year Fixed Rate Home Loan

Orange Credit Union also offers bridging loans and interest-only options.

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Orange Credit Union home loan features

Orange Credit Union home loans can have a variety of features. Some of these may include:

an ability to increase the loan amount
additional payments being accepted
no annual fee
redraw facility
flexibility with repayment frequency, such as monthly, fortnightly or weekly
flexibility with variable or lump sum repayments.

The inclusions above represent a selection of the features that may be available with certain Orange Credit Union home loans. Canstar is not making any suggestion or recommendation. Conditions may apply to different features and the features that apply to different home loan products may vary.

Check upfront with Orange Credit Union and ensure that you read relevant loan documentation, such as the Target Market Determination (TMD) and Key Facts Sheet (KFS), to determine all the current loan terms and conditions for the product you are considering and whether it meets your needs.

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Orange Credit Union home loan FAQs

How do you apply for an Orange Credit Union home loan?

Before getting started, you might first like to take a look at our applying for a home loan checklist for some pointers, and use the Canstar website to compare home loans with other providers before choosing a product that suits your needs.

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If you decide to apply for an Orange Credit Union home loan, you can do this through its website, over the phone or in person at an Orange Credit Union office.

Can you make extra repayments on an Orange Credit Union home loan?

Orange Credit Union says it allows additional repayments for no fee on its home loans at the time of writing. Terms and conditions may apply. Contact Orange Credit Union for details.

To give you an idea of how making extra repayments could save you money in interest over the life of your loan, you might like to try our Extra Repayments Calculator.

Home Loans Extra Repayments Calculator

Are redraw facilities offered on Orange Credit Union home loans?

Orange Credit Union offers redraw facility and offset options on some home loans. Contact Orange Credit Union for details.

If you’re in the market for a home loan, compare some of your home loan options with Canstar:

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Who can join Orange Credit Union?

If you live in Orange, its surrounding districts or have family ties to the Orange community, you may be are eligible to become an Orange Credit Union member. Contact Orange Credit Union to find out more.

About Orange Credit Union

Orange Credit Union is a regional customer-owned bank based in Orange. It was established in 1964 with only 19 members. Today, Orange Credit Union says it services over 12,500 members in the Orange community and surrounding areas.

The credit union says it has been helping the community for almost 60 years, with a focus on customers’ “financial wellness”. Lending decisions are made locally and Orange Credit Union says it offers personalised service, and is “in the business of helping people to make the most of their money”.

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