Credit Union SA Home Loans

Credit Union SA is a South Australia-based credit union providing home loans, personal loans, bank accounts, insurance, credit cards and financial advice.

What home loans does Credit Union SA offer? 

Here’s a snapshot of Credit Union SA’s home loans on Canstar’s database. The results are based on a loan amount of $600,000 in South Australia, at 80% LVR and available for principal and interest repayments, for the purpose of refinancing. Before committing to a particular home loan product, check upfront with your lender and read the PDS to confirm whether the terms of the loan meet your needs and repayment capacity.  *Comparison rate based on loan amount of $150,000. Read the Comparison Rate Warning.

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Credit Union SA home loan features

  • Offset account available (on selected loan products)
  • Redraw facility available (on selected loan products)
  • Additional repayments allowed (on selected variable loans)
  • No fee for early repayment (on selected variable loans)
  • Package your home loan with a savings account for a discounted rate (on selected loan products)
  • Repayments may be made weekly, fortnightly, or monthly
  • Flexibility to put repayments on-hold for a fixed term or switch to interest-only (on selected loan products)

The inclusions above represent a selection of the features available with Credit Union SA home loans, although the features listed may not apply to every home loan Credit Union SA offers. Canstar is not making any suggestion or recommendation to you about a particular product. Additional conditions may apply to different features. Check upfront with Credit Union SA and ensure that you read the product disclosure statement (PDS) or other loan documentation to determine all the current loan terms and conditions for the product you are considering, and whether it meets your needs, before committing to it.

What types of home loans does Credit Union SA offer?

At the time of writing, Credit Union SA offers the following types of home loans:

  • Standard + Discounted Variable rate home loan
  • Fixed rate home loan
  • Interest only home loan
  • Investment home loan
  • Package home loan
  • Refinancing home loan

See our comparison tables for details of Credit Union SA home loans in Canstar’s database:

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Credit Union SA FAQs

Consider following our applying for a home loan checklist, and use the Canstar website to compare home loans with other providers before choosing a product that suits your needs. If you decide to apply for a Credit Union SA home loan, you can do this by sending an online enquiry, logging into internet banking if you are an existing customer, or over the phone.

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Credit Union SA allows extra repayments on their variable interest home loans. Terms and conditions may apply. Contact Credit Union SA for details.

Find out what difference extra repayments could make to your loan using Canstar’s extra repayments calculator.

Home Loans Extra Repayments Calculator

Credit Union SA’s variable rate home loans offer a redraw facility. Fees and charges may apply to the use of a redraw facility. Contact Credit Union SA for details or learn more about redraw facilities here.

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

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Credit Union SA is South Australia’s third-largest credit union, serving more than 49,000 members across the state and beyond. It was formed in 2009 from when two smaller credit unions, Satisfac and Powerstate, merged and it now manages more than $1 billion in total assets.

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Written by: Sam Bloom | Last updated: November 20, 2018